vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor ( Account name XXXX XXXXXXXX Account number XXXX ) has violated my rights under 15USC1681 Section 602 states that I have the right to privacy. 15USC 1681 604 ( a ) Section 2, it also states that the consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666 ( b ) a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor ( Account name XXXX XXXXXXXX Account number XXXX ) has violated my rights under 15USC1681 Section 602 states that I have the right to privacy. 15USC 1681 604 ( a ) Section 2, it also states that the consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666 ( b ) a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
My issues are two-fold. 

1. I applied for an American Express delta card to use the benefits and receive the XXXX airline bonus. I applied on XX/XX/XXXX and I had to spend $ XXXX in 3 months. This ended on XX/XX/XXXX, and I met the spending limit. I inquired on XX/XX/XXXX as to where the bonus miles were. I was told it would take 8-12 weeks after the review and the end of the billing period of XX/XX/XXXX, which would mean they should be applied by XX/XX/XXXX. I followed up again on XX/XX/XXXX and the American Express agent told me the same thing, the account is under review and it would take 8-12 weeks again. It is XX/XX/XXXX and there is still no action from American Express. 
2. I believe that they have their system set up to stop you from enrolling in automatic payments so they can collect late fees and interest charges. I can not prove it because their " system '' is the only tracking but I set up for automatic payments on XX/XX/XXXX. I put in my bank information, etc but it did not take on their side for some reason. I was issued a late fee and interest. I inquired on XX/XX/XXXX and I was told that, despite my setting it up it was " never turned on '' on their side. I can not prove it because it was all on their app, but why would I enroll in my bank account, etc? I am still getting " trailing interest charges '' this month, despite my insistence that they messed up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
This complaint is with Credit Acceptance Hello. I am aware of my full balance due on my vehicle. The remaining balance as well as the pay off quote is way more than what the original price of the vehicle was, which was around $ XXXX. My vehicle has over XXXX in miles, I pay 21 % in interest which is absurd. I have already paid over XXXX so far, it's no reason for my pay off quote to be over XXXX. I am really having a hard time paying such a high car note. My XXXX  car note is XXXX XXXX I need for my contract to be changed. Or at least the amount to change so I can pay it off sooner. The remaining balance is over XXXX to pay and they won't do nothing to help. I called multiple times and no one helps.

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 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am a victim of identity theft and have been identified as such in the U.S. District Court. The individual that is responsible has been tried, convicted and pled guilty to the charges. My credit rating has been destroyed and because of the theft I have had to sell my home and move to another state where the cost of living is lower. I was unable to qualify for a mortgage due to my low credit rating, I had to pay cash for a less expensive home and also pay for a car from my investment funds due to being unable to obtain financing. My monthly income was reduced substantially because my investment funds didnt generate enough money for my income. Because I had to pay cash for a home and a car, it reduced the amount of funds that I was able to invest with. I have had to pay higher rates for my home car and health insurance due to the credit rating. Before the identity theft my credit rating was above XXXX. Currently it is at XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and Court Docket # XXXX XXXX XXXX XXXX. 
Account # XXXX {$14000.00} Date on report XX/XX/XXXX XXXX XXXX XXXX. 
Account # XXXX {$11000.00} Not seeing this account on credit report, only with XXXX XXXX XXXX. 



XXXX XXXX XXXX XXXX  Account # XXXX {$20000.00} Date on report XX/XX/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 explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX, my husband and I were approved for a four-month repayment plan of {$580.00}. That day I received a letter from XXXX stating she received a {$1900.00} payment. I responded and stated that she was incorrect and provided proof that I paid {$2200.00}. On XX/XX/XXXX, XXXX emailed me ( attached ) saying she did not like my tone. I did not verbally speak to her ; it was by email, so I want to know how she can make any assumption. I only said I would like to know where the {$190.00} went. You will see her horrible and unprofessional response to me ( email attached ). 

Fast forward as to why I am making a complaint with CFPB, on XX/XX/XXXX, I responded to XXXX 's email about XXXX and XX/XX/XXXX payments. I stated that my husband 's XXXX and whatever back pay from his employer had stopped, which was the reason for the late payment for XXXX. I also stated I would make a payment on XX/XX/XXXX I did not say I would make one payment. XXXX assumed that's what I would do and blocked my account preventing me from making a payment. It stated, " XXXX XXXX does not have access to any loans. Please contact Customer Service ''. That wasn't the case I got paid that day and made both payments by phone since she locked me out of my account knowing I said I would make a payment. To me this was done intentionally and I was told she was out when I emailed her and called her about not being able to make my payment online, to date no response, not sure if she's still out. I asked why I was locked out they stated they ( customer service ) did not see any notes as to why my account was blocked and XXXX was out. 

XXXX XXXX XX/XX/XXXX email had me very upset, and I am taking this matter personally, 1. why would you stop me from making a payment as of today I still don't have access to my account and 2. To request a demand for the past due balance and attorney fees/foreclosure when I said I was going to make that payment. Had I not called to make the payment and with her being out on XX/XX/XXXX to remove the hold on my account, that would have put us in default/foreclosure procedure. This is scary this can destroy someone's life. I would like to have someone else from SN Service Corporation to be our accounts Representative. 

Our payments are up-to-date, and I would like to have access to my account I was told after I made those payments, I would have access and I don't.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
on XX/XX/2022 sunloan co ran my credit without my permission after speaking with a rep he advised me that this would be deleted off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: WI

Complaint narrative:
I am looking to close my checking account with Huntington bank. I have live chatted and called into Huntington to try to do this, but have been unsuccessful. It sounds like I either need to go into a branch ( and I don't have any near me ) or send a signed notarized letter in the mail with my account information to close the account. I am really just looking to get the account closed without having to go through these complicated steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Security National Financial Corp
State: AZ

Complaint narrative:
HAF program sent a total of 3 payment to my former servicer. Security national mortgage company received a payment in XXXX, another in XXXX and last one in XXXX. loan was sold and transferred XXXX  XXXX and after 90 days they have yet to send payments over to new servicer or send back to original sender. 
I have been contacting their subservicer for over 3 months and they refuse to assist me. I understand it is not cenlars fault, it is Security national mortgage company their name is on my documents. At this point they keep violating my rights as a consumer. The server refuses to return or forward payments over to my new and current servicer. I have spent too many hours on the phone and no one wants to help. Security national forced me to put my loan on a forbearance because they are not forwarding payments received in a timely manner from HAF program.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Fraudulent account appearing on credit report. 


XXXX. XXXX {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Recently tried purchasing a new home and was advised of inaccurate items on my credit report. Ive also tried purchasing a car and was unsuccessful in my purchase and had to have my wife get the car loan in her name because of these accurate items.

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 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FORD MOTOR CREDIT CO.
State: IL

Complaint narrative:
This account is not my account. The company has failed to provide me with a document that has my wet signature. It is adversely affecting my life and credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
.I Filed Mutiple dispute with the credit reporting agencies. In regard to inaccurate and fraudulent activity on my credit report. 
I never received any notifications in regard to the investigation. It been over 60 days with no answer. 
I filled a Ftc Identity theft report as well as sent a 30 and 60 demand letter to comply with the credit bureaus. Still have yet to receive any response The Credit bureaus also stated my account was properly investigation but how is that possible if the people they ask also said it was fraudulent and deleted so they giving false info, there showing late payment that wasn't late and date last reported is not accurate this ground for removal they also violated my rights 15 U.S.C 1681 Section 602 A States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish account without my written instructions 15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose...

5.According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.

I Have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( mo ) 281 SW 715 719 I may presume that no proof of the alleged Debt, nor therefore any such debt in fact Exists '' THE BUREAUS IS NOT ABOVE THE LAW PLEASE MAKE SURE THEY REMOVE THESE OFF MY ACCOUNT OR MY NEXT STOP IS TO BBB

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 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
.I Filed Mutiple dispute with the credit reporting agencies. In regard to inaccurate and fraudulent activity on my credit report. 
I never received any notifications in regard to the investigation. It been over 60 days with no answer. 
I filled a Ftc Identity theft report as well as sent a 30 and 60 demand letter to comply with the credit bureaus. Still have yet to receive any response The Credit bureaus also stated my account was properly investigation but how is that possible if the people they ask also said it was fraudulent and deleted so they giving false info, there showing late payment that wasn't late and date last reported is not accurate this ground for removal they also violated my rights 15 U.S.C 1681 Section 602 A States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish account without my written instructions 15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose... 

5.According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 


I Have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( mo ) 281 SW 715 719 I may presume that no proof of the alleged Debt, nor therefore any such debt in fact Exists '' THE BUREAUS IS NOT ABOVE THE LAW PLEASE MAKE SURE THEY REMOVE THESE OFF MY ACCOUNT OR MY NEXT STOP IS TO BBB

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Public record information inaccurate
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Ssn was breached and all information was used to open accounts in my name

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My name is XXXX XXXX XXXX I do not have any other names or aliases, and I do not wish to disclose ANY other names or aliases. Unless you can produce or present to me legally authorized evidence to retain much less report these names, I DEMAND THAT YOU DELETE THEM FROM MY CONSUMER REPORT. Otherwise, you are infringing on my consumer rights. 
My current unique address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX. I currently have NO OTHER ADDRESS and I do not wish to disclose ANY OTHER ADDRESSES. Therefore, If you are reporting ANY OTHER ADDRESSES I DEMAND THAT YOU DELETE THEM FROM MY CONSUMER REPORT. Unless you can produce or present to me your legitimate AUTHORITY to retain these on my credit report. Otherwise, you are infringing my consumer rights. 
I do NOT wish to disclose ANY EMPLOYERS, unless you can produce or present to me legally authorized and verifiable evidence to retain much less report these Employers I DEMAND THAT YOU DELETE THEM FROM MY CONSUMER CREDIT REPORT. Otherwise you are infringing myconsumer rights. 
I DO NOT give you Authorization to report my Social Security Number on my credit report or sell any information containing my Social Security Number to any company. Recording my social security number in my credit report could potentially cause security issues and may lead to IDENTITY THEFT. 
Please DELETE ANY social security numbers from my consumer credit report. 
My date of birth is XX/XX/1988. I do NOT have any OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported on my credit report. Therefore, if ANY Dates of Birth exist DELETE IMMEDIATELY or produce PROOF of your legitimate AUTHORITY to retain this on my credit report otherwise you are infringing my consumer rights. 

Thank you in advance for complying with my wishes. I would like an updated version of my corrected profile as soon as I you resolved the inaccuracies listed above.

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