vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This lender is reporting a fraudulent account to my credit profile. I have reached out to the company for removal of the fraudulent auto loan account and nothing has been done to resolve this issue. I have reached out for over 150 days. The account does not belong to me and is inaccurate. Please have this company remove the account completely from my personal credit report. By law my credit report must be accurate at all times or the information that is deemed to be fraudulent needs to be permanently removed from the report on all my credit reports. Failure to remove the account to will result in me taking legal action lawsuit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
This lender is reporting a fraudulent account to my credit profile. I have reached out to the company for removal of the fraudulent auto loan account and nothing has been done to resolve this issue. I have reached out for over 150 days. The account does not belong to me and is inaccurate. Please have this company remove the account completely from my personal credit report. By law my credit report must be accurate at all times or the information that is deemed to be fraudulent needs to be permanently removed from the report on all my credit reports. Failure to remove the account to will result in me taking legal action lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I contacted PNC Bank with a request for an amortization schedule. PNC call center representative did not send me an amortization schedule ( showing a bifurcation of the principal and interest ). I have seen a discrepancy in the amount of interest being charged during occasions where I have made a larger monthly payment to account for additional principal. PNC sent a payment history only in XXXX. This information does not clearly indicate how the monthly payments have been applied - principal versus interest. I called PNC again XX/XX/XXXX and requested my request for this documentation be escalated. XX/XX/XXXX a different representative from PNC called me to verbal explain how to read my statements. I find this rather condescending. I continued to request a payment history/amortization that demonstrates the bifurcated information. PNC continues to refuse to provide me these details. I am merely attempting to audit their methodology in how payments are applied correctly. This latest representative stated that PNC charges a daily interest amount predicated on the number of days between each month. I find this inconsistent with my other auto loans wherein a fixed amount of interest was applied to each monthly loan amount. Based on my previous experience with auto loans, I feel as though PNC is applying my overage payments to interest rather than principal. I feel they are unwilling to provide transparent information about my auto loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: MI

Complaint narrative:
it seems between XX/XX/XXXX and XX/XX/XXXX, a new account in collections was added to my report. The collection agency is JEFFERSON CAPITAL SYSTEM. The original creditor was XXXX XXXX XXXX. 

I declared bankruptcy in XXXX and this was part of the creditors who were included in the bankruptcy. At the time, XXXX dropped my credit by a large amount with one creditor. Now, 15 years later, they have dropped me with the other creditor. What can I do about this? XXXX was my young daughter 's cell phone provider. She is now an adult with XXXX children. What can be done about this besides paying them off. I am in a XXXX  from XXXX now and money is a problem. 

Also, that bill with XXXX i over XXXX XXXX XXXX. XXXX dropped it. So who is this new creditor, JEFFERSON CAPITAL SYSTEM? And how can they legally drop my credit score by this large amount when the debt was resolved with the bankruptcy?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: YSA ARM LLC DBA Oxygen XL
State: FL

Complaint narrative:
Supposedly is a " parking ticket '' from over a year ago which I called the company that manages the lot numerous times and never got ahold of anyone, I would be on the phone on hold for over an hour and when I looked into the parking management company they own the dept collection company as well and I believe i am being scammed and they wont stop harassing me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Prosper Marketplace, Inc.
State: MI

Complaint narrative:
I have been paying on this loan for nearly a year. 
When I make payments, there have been payments where 100 % of the payment is applied to interest. 
I recently switched to making payments weekly. This would normally have the effect of lowering the total amount of interest paid. Instead, the amount applied to interest rather than principal has ballooned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: GA

Complaint narrative:
US Auto Sales not only altered my loan and what I paid for a few months was completely gone when my payments was altered. They sent my loan over to Westlake Portolio and when doing so it altered my loan again. Its like I never paid anything once again, my actual loan contract has been altered by Westlake as well. My GAP coverage doesnt exist. US Auto had me paying for insurance when I was already paying for insurance myself. Ive only missed two payments which I called ahead of time to let them know I was not going to be able to due to XXXX even offered to provide documentation from the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
Fair Collections & Outsourcing received an alleged debt for an apartment lease I cosigned for. While I believe the debt it self is inaccurate, as I only agreed to a one year lease, the biggest issue is them reporting this to my credit report. They are weaponizing the credit report. At no time did they, or their client XXXX XXXX ever report the over 18 months of positive payments made. At no time did they ever say the account was XXXX, XXXX, XXXX or 120 days delinquent. They just simply placed this on my report as a chargeoff, plummeting my credit score.

The use of a credit report and or credit score to collect money is wrong! it is borderline harassment and extortion! 
At no time was I ever made aware there was a delinquency until XXXX months ago, and the tenant I helped has been out of the complex for over 2 years!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/ SS # : XXXX Dear Consumer Financial Protection Bureau, I am writing to draw your attention to a series of egregious violations that have significantly impacted my financial well-being and personal life. These violations pertain to the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other relevant consumer protection laws. 

XXXX. XXXX XXXX - Account XXXX : XXXX Violation : Disputed item appearing on credit report without evidence. 
Violation Reference : FCRA - 15 USC 1681, specifically 15 USC 1681i ( a ) ( 1 ) ( A ). 
XXXX. XXXX XXXX XXXX - Account Number : XXXX Violation : Reporting inaccurate information on a collection account ( late payment or past due ). 
Violation References : FCRA - 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). 
XXXX. XXXX XXXX - Account Number : XXXX Violation : Reporting inaccurate information on a collection account ( late payment or past due ). 
Violation References : FCRA - 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). 
XXXX. XXXX XXXX  - Account Number : XXXX Violation : Misleading false reporting, potentially violating FDCPA Section 807.

Violation Reference : FDCPA - Section 807. 
Personal Hardships : The cumulative impact of these violations has been nothing short of devastating. The compromised credit report has shattered my aspirations of securing loans at reasonable rates, obtaining suitable housing for my family, and even pursuing educational opportunities. The emotional toll is immeasurable, as I have had to witness my family 's dreams slip further out of reach due to circumstances beyond our control. 

I implore the Consumer Financial Protection Bureau to : Enforce the legal rights and protections afforded to consumers under the FCRA and FDCPA. 
Investigate these violations with a sense of urgency. 
Ensure that the relevant creditors promptly remove these unverified and inaccurate accounts from my credit report. 
Doing so would alleviate a substantial portion of the burdens that have weighed heavily on me and my loved ones. Thank you for your attention to this matter. I eagerly await a response and resolution that will help restore my financial dignity and provide hope for a brighter future. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
To : CITIBANK , N.A . I write to advise you that I plan to file a lawsuit against you in the United States District Court Middle District of Florida XXXX XXXX due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you. Please advise me of your registered agent name, address and phone number for service of process in Florida AND all branches, offices, agents, attorneys or representatives in XXXX XXXX, Florida and in any other counties in Florida who can and are authorized to accept service of process. Moreover, after filing a lawsuit, I plan to send you a Notice of a lawsuit and request to waive service of a summons to reduce costs of service and provide you with additional time to respond. This may provide you with additional time to respond, instead of 20 days. For your convenience, please provide me with your preferred address to send such Notice with the Complaint, such as your Legal Department. Local Rules of the USDC Middle District of Florida require your counsel to confer with me before filing even routine motions to ascertain whether I oppose or unoppose a motion. If your counsel files a Notice of Appearance before a Clerks Default is applied for and needs an enlargement of time to file responsive pleadings, you may file a copy of this document representing to the Court that I do not oppose up to a 30 day enlargement of time to file responsive pleading to comply with the Rules obligation to confer. However, If you do not provide me with the information requested above and you are properly served with a Summons and Complaint, I will promptly at the earliest date possible file an application for a Clerks Default and a Motion for a Default Judgment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Do too covid a new payment agreement was made do too do everything closing down. A lump some of money was paid over XXXX dollars is what they ask for too make the agreement of paying XXXX dollars a month. The company verbal agreed too this dollar amount and I ask for this Agreement too also be sent by mail. They did not do so the payments has been paid on time every month and there still reporting all payments late. From XXXX until now of XXXX I have requested over and over for them too change they refused too and said the payment is still late! If there is agreement of change of payment I asked how are the payments late you are getting paid every month on time and the payments are on automatic withdrawal how can it be late the whole world was shut down and the payments was still being paid do too hard ship not working they agreed upon XXXX dollars a month and no payments have been missed According too code 1666b and code s1006,18 is a violation I have reported this info too credit agencies about this and I was told the information was correct well I have information that shows different not only that they reported the information late every month they also tack on late fees as wellso not only they reported the payments late every month they also add on extra fees for late payments I have called the company about this more than once and they refuse too report the correct information this has effect my way of living as well reporting false information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: WI

Complaint narrative:
I qualify for PSLF and the student loan servicer is Mohela. I waived my in school status and it was to be back dated from XXXX of 2020. This document shows as approved with Mohela. They updated my payment counts and loans 3, 4, and 5 are only showing 2 payments. I called MOHELA to get this corrected as they should be showing payments of around 30 for loan 3, 24 for loan 4 and 12 for loan 5. After being out put on hold several times, the individual confirmed with me that they will resend my payments through to get corrected and it should take 2-3 buisness days. This was on the XXXX XXXX  XXXX that I called and my payment counts still have not been updated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I sold my motorcycle for {$4100.00} and use PayPal to process the payment. PayPal refuses to transfer the funds that the purchaser submitted to them to my XXXX  bank account. Theyre saying that I would need to wait at least 72 hours before I can transfer the funds.?!

Company response to consumer: Closed with monetary relief