vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: MARINER FINANCE, LLC
State: KY

Complaint narrative:
Mariner Finance contacted me today and left a message stating that they need to hear back from me today

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I received a copy of my credit reports and am writing to dispute these fraudulent accounts following information that appears on my Equifax, XXXX, and XXXX report for fraud. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Sincerely, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX {$810.00} XXXX XXXX XXXX date opened XX/XX/XXXX {$880.00} XXXX  XXXX XX/XX/XXXX {$5200.00} XXXX XXXX XXXX  Date Opened XX/XX/XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I received a copy of my credit reports and am writing to dispute these fraudulent accounts following information that appears on my Equifax, XXXX, and XXXX report for fraud.

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX {$810.00} XXXX XXXX XXXX date opened XX/XX/XXXX {$880.00} XXXX  XXXX XX/XX/XXXX {$5200.00} XXXX XXXX XXXX  Date Opened XX/XX/XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
For years since Sallie Mae transitioned to Navient I have been unable to converse with someone in the USA who can help me with other repayment options. They have continually increased my interest rates and bought other private loan companies out without having my permission to allocate my information to them. Navient has taken XXXX of my money to repay my XXXX worth of loans and the entirety of that money has gone to their jacked-up interest rates. Hardly any payments have gone to the principal of the loan. They harass you for payments when you have made payments to the point of 10+ phone calls per day. I do not have records of all calls due to the years of harassment on behalf of the company. I have detailed reports of all payments to the company that will show the continued increase in rates without giving the borrower any options to get out of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After many request, The credit reporting agency is refusing to complete a thorough investigation, as well as sending the necessary proof of accuracy and HOW they have proved that these accounts are indeed accurate. 

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating and cause a great amount of stress.

I am now requesting the description of the procedure followed to determine the accuracy and completeness. According to 15 USC 1861i ( a ) ( 6 ) ( b ) ( iii ) of the fair credit reporting act, I am now requesting the description of the procedure followed to determine the accuracy and completeness of these accounts. 
XXXX XXXX XXXX XXXX XXXXXXXX - 15 U.S CODE 1692 ( e ) 10 - Please verify the open date on this collection. I do not recall this - please verify this and remove it if it is in fact inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX - This is also completely inaccurate. - This is inaccurately reported on my report. 
XXXX - XXXX - This is also completely inaccurate. - This is inaccurately reporting on my report. 
XXXXXXXX XXXX XXXX XXXXXXXX Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please forward me an updated credit report after you have completed your Investigation and corrections. 
Additionally, I am requesting the ORIGINAL CONTRACT with the appropriate signature. Your cooperation and prompt attention are greatly appreciated. 
As proof of my identity, I have included copies of my drivers license. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 
Sincerely, 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 explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
my identity was exposed from XXXX breach. I did not authorize those inquires.

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 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
my identity was exposed from Equifax breach. I did not authorize those inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
my identity was exposed from XXXX breach. I did not authorize those inquires.

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 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them, resulting in my credit report being pulled up by these companies and hurting my credit score. I have contacted the bureau and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In your attached letter dated XX/XX/2023 you included a copy of the mortgage but you failed to send me a copy of the note can you please forward the note

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: EQUIFAX, INC.
State: NV

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I ended my lease early in XXXX with XXXX and traded in the car with a different dealer. XXXX decided to charge reconditioning fees when the car was traded in. They are the only car dealer who charges for this at the end of a lease. I have asked for a copy of the contract as I would not have normally agreed to pay transportation and reconditioning fees as it is expected for a lease to be returned. I NEVER received a copy of the contract. I paid {$400.00} of the {$630.00} they were charging me because I never got a copy of the contract. They in turn sent this report this account with several inaccuracies regarding this account to the credit bureaus. I do plan on filing a lawsuit because of this as it has tarnished my good credit per FAIR CREDIT REPORTING ACT/REGULATION V. Section 623 of the FCRA and Regulation V.

I am willing to settle this debt however as per the letter they sent on XX/XX/XXXX however this needs to be removed from my credit report or I will file a lawsuit to the fullest extent. 

Per their letter dated XX/XX/XXXX, If you fail to pay the remaining balance as requested above, Hyundai Motor Finance reserves the right to take any and all steps necessary under the terms of the contract and as provided by law to pursue collection of this debt. This may include utilizing a 3rd party collection agency in an attempt to satisfy the balance. In addition, any remaining balance will be charged off on or after 120 days after the Termination date stated above and reported to the credit reporting agencies as a charged off balance. They have not done this and reported this account to my credit report with several inaccuracies

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 2024-09-19 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I urgently request the prompt removal of these unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize them. Please rectify this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I have opened a dispute with Chase Business Credit Card twice now and been denied both times. The merchant continues to send false information that they deem valid even though I have provided information to support that the XXXX XXXX XXXX XXXX  did not provide the services paid for. 

Purchase {$3500.00} - XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX billboards and ad A contract was never signed through XXXX. And when trying to open the one sent initially it now says voided and I can not access it. 

I was told that I would receive a refund if I change my mind and have received many messages that they are working on the refund and not to worry. 

When asking for a refund and disputing these concerns with the company they sent false documents that do not even make sense. In fact, they have my husbands initials and signature were on the form and he was never even involved in this conversation or phone call. It was for XXXX XXXX. His initials and signatures have been forged. Furthermore, they sent a XXXX  with his name saying he is a XXXX XXXX I have attached a picture of the billboard they said they would create for that would be used. My husband is not a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Yet they have sent these images for my husband. 

XXXX XXXX, who I was initially working with is no longer with the company and I can not get a response through email or phone. 

XXXX XXXX, XXXX XXXX XXXX continues to assure me that refunds are being processed. And if it isnt the credit card company will take care of it. He also says he is talking with the financial department. I have tried countless times to get in touch with them to move forward on the refund.

I have tried to reopen the XXXX that was initially sent but can not as they have been voided by XXXX and therefore I can not access the link. I have no history of receiving a signed document, only documents sent to me to sign, which I never did. 

In the meantime, I have been in contact with several others who have been scammed by this company. They really need to be stopped. 

When disputing these charges they then sent new billboard images with my name and company. And even though they were supposed to do one billboard, they sent pictures of countless billboards and kiosks with my information to try to prove themselves and therefore the credit card company refused the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report 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 non-monetary relief
Consumer complaint received 2024-09-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I am, and have been for many years, struggling to deal with my student loan servicer, Navient. I have never defaulted on a loan, it is my highest priority to ensure that my loans are paid each month since I graduated in 2008. They have offered no flexibility at all. They have put me through interest only payments and forbearance in the past, which has significantly increased my overall amount on already inflated loans. They allowed for me, as a young person, to take loans with no cosigner, not understanding the impact, yet I have been taking responsibility for my commitment. I have been enrolled in a 6 month rate reduction program several times, and currently am. But I am going back and seeing documentation where they actually put a bulk of my loans in forbearance, which I DID NOT agree to. Also, when I called six months ago to reenroll in rate reduction, they told me what my " reduced '' payment would be, which was more than my original payment anyway. When I ask for documentation or notification of why they just say things like the government controls the rates. I NEVER receive paper mail for then regarding ANYTHING on my account. The ONLY communication I get is an email stating when my monthly auto pay is coming out, they love to only communicate when it is about the money you are giving them. For years and years I have just taken it and given them my money, at the mercy of whenever they want to change the rules. They never provide the documentation requested. I just scheduled an auto pay TODAY and they wouldn't even provide documentation show the change of date for my account. They rarely provide documents, even when asked, and the agents are trained customer service reps, they are not qualified or versed in explaining details, it just doesn't happen. I don't know what else to do or where to go for help. I ALWAYS ensure this bill is paid, yet they WONT work with me and have signed me up for things like a forbearance without my permission and stating I was being placed in rate reduction. It is all so confusing to begin with, but they keep doing things on the account that are making my financial wellness worse off. Now I am being told my loans are going to another servicer and I have no choice in the matter. The SAME issues presented in the lawsuit again them servicing federal loans is also happening to me, and MANY others, with their private loans. Someone please help. Is there anything to protect us that were forced into privately borrowing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: KS

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

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 2024-09-19 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: KS

Complaint narrative:
My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

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 2024-09-19 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: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation