vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LendUp Loans LLC
State: TX

Complaint narrative:
1 ) LendUp reported late payment even though a payment was made.

2 ) Lendup made promises of lowering my interest rate- yet doubled it upon a new loan. 

I have attempted to contact them, as they are reporting incorrect and negative marks on my credit report. I have been unsuccessful as there is no contact information on my credit report, their website is down, and I can not find a phone number. The one on my credit report is not in service.

Company response to consumer: Untimely response
Consumer complaint received 2022-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OK

Complaint narrative:
I have reported this company each month about the fees and charges that are not correct. I have sent and will continue to send complaint to have these fees removed. This company is very poor for any form of servicing. I send the payment certified mail with a cashier check. Long before it late date. They make it a point to add these fee. Please see the statement, that they held {$2500.00} before applying a payment of {$1100.00} to the account. Please escalate this to someone that can help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: Uplift, Inc
State: MI

Complaint narrative:
XXXX loanwith Uplift has been paid in full as agreed since XX/XX/2022. Uplift hasn't reported to the credit bureaus since then and it still shows a balance on my credit report. I have disputed with the bureaus amd it remains and have contact Uplift directly with no resolution. 

A XXXX  loan with Uplift hasn't been reported on since XXXX and the balance is incorrect by over {$1000.00} USD

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc.
State: AR

Complaint narrative:
Hello the vehicle was Damage with over {$7000.00} of work of damages done to the vehicle. The company received the Vehicle resold it and have not reported the correct amount which needs to be pay for the vehicle once the company resell the vehicle I will no longer be responsible for the {$28000.00} that the vehicle loan was loaned for. The company has not reported the correct payoff amount and is reporting it to my credit as a closed account years ago with {$28000.00} to be paid when the Vehicle was sold

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OK

Complaint narrative:
I have reported this company each month about the fees and charges that are not correct. I have sent and will continue to send complaint to have these fees removed. This company is very poor for any form of servicing. I send the payment certified mail with a cashier check. Long before it late date. They make it a point to add these fee. Please see the statement, that they held {$2500.00} before applying a payment of {$1100.00} to the account. Please escalate this to someone that can help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I visited a XXXX dealership to finance a car. XXXX allows you to view your payments prior to final purchase. I asked my dealer several times if the price they showed me on the screen would be monthly and several times I was assured my payments would be monthly. During my welcome call I agreed to pay extra on my autopay to boost my credit and to pay the loan off faster. After making my first payment, 2 weeks later I noticed I was being charged again. I called Bridgecrest to resolve the issue and they informed me that I was set up for bi weekly payments. I told them this was a mistake and they would not budge, informing me I would have to wait 6 months to adjust my pay frequency. I asked the dealer several times about my monthly payments. MULTIPLE dealers, because I had to leave the one I went to in XXXX since they didn't have the vehicle advertised as being available, forcing me to go to another XXXX for the vehicle I ended up with. I asked the agent on the line when signing my documents if these would be monthly payments. I have reported them to the XXXX previously for this, and they refused to rectify the situation. Over 6 months have passed and I have tried to readjust my pay frequency. 6 months of barely surviving payments I never expected to keep up with every 2 weeks nor agreed to. 6 months of missing only 4 payments and being charged daily interest, so much so that I've paid back triple the missed amount and only touched the interest. In order to not have vehicle repossessed, I have paid even more every 2 weeks. What started out as a promise of $ 192* a month, became $ 244* every 2 weeks, which became $ 303* every 2 weeks. I paid off missed payments to finally readjust my payments ( which was denied ) and was told that payments are based on how often I get paid, and I would've had to pay biweekly for 6 months regardless. I've called MULTIPLE times and this was never explained. Are you telling me monthly was NEVER on the table due to my biweekly pay? This whole time I thought they were just refusing to rectify a mistake they made, but no. No, they first out lied to get me to sign up for something they knew I wouldn't be able to handle. This is predatory!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries/ accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX 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 2022-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My identity was compromised in the XXXX data breach. Somebody has used my personal information fraudulently.

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 2022-05-03 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: EQUIFAX, INC.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act the list of account below has violated my federally protected consumer right to privacy and confidentiality under 15 U.S.C 1681. I didnt give any authorization to anyone to use my information date XXXX in person or online for to apply for any type of credit card, XXXX XXXX /Equifax has valet my right 15.U.S.C 1681 Section 602 A Section 604 A Section XXXX : its also state a consumer reporting agency can not furnish a account without my writing instruction 15 U.S.C 1692C ( A ) Without the prior consent of the consumer given direction to the debt collector or the express permission of a court of competent jurisdiction, adebt Collector may not communicate with a consumer in connection with the collection of any debt -15 U.S.C 1692 B ( XXXX ) not communicate by postcard 15 U.S.C 1692B ( XXXX ) Not state that says consumer owes any debt. 15 U.S.C1692B ( XXXX ) not use any language or symbols on any envelopes or in the contents of any communication effected by the mail or telegram that indicates that the debt collector is in the debt is in the debt collection business or that the Communication relates to the collector up a adebt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: GA

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX Bank Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 XXXX : 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 non-monetary relief
Consumer complaint received 2022-05-03 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: GA

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 XXXX : 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 2022-05-03 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: CA

Complaint narrative:
I have contacted Equifax on multiple ocassions about the inaccurate reporting on my credit file. There XXXX inquiries associated with an identity theft of my personal information. The accounts that was associated with these inquiries were removed and I was told to file a report with the FTC and forwarded a copy of the report to Equifax. 
I did on XXXX occassions! They stated they did not receive a fax that I sent using a number they forwarded to me. I then sent a letter by mail that they stated they did not receive and finally I sent a registered letter which they confessed they received and was working on the dispute. 
This letter included a copy of the FTC report and a letter a orginally sent to them. I was told they had all the paperwork and I received a letter from Equifax stating they had deleted the inquires. That was not true and they still remain after 11 months! 

These are the XXXX inquiries : XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries/ accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-05-03 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries/ accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: NV

Complaint narrative:
Credit reporting agencies are reporting wrong personal informations to lenders. 
I need all wrong personal information that are not min to be removed now. 
I have been a victim of fraud and identity theft and I want only my true information to be reported.

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 2022-05-03 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I was a victim of an fraud inquiry issue relating to companies pulling my XXXX report without my consent. The following companies are listed under hard inquires on XXXX that need to be removed/deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  account # XXXX, 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 that a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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:
In Accordance with the Fair Credit Reporting Act, XXXX U.S.C XXXX section XXXX states that I have a right to privacy. 

XXXX XXXX XXXX Section XXXX Section XXXX states that a consumer reporting agency can not furnish an account without my written instruction. 

I did not give anyone written instruction to report the account listed below to my credit report. 

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 2022-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2022 I offered to buy a bag from XXXX. The seller asked me to text her to discuss more regarding the transaction. She offered a discount if I would pay her via XXXX. 
I was hesitating at first, but fell into her scam, and pay her via XXXX. 
-The first payment on XX/XX/2022 was half the amount of the total : {$620.00} She received the money, and send me the XXXX XXXX # XXXX - I checked the tracking, and see the tracking was started to move, So I send her {$370.00} ( That is the limit I can send to her that day ) - I keep checking and see that the tracking was continued to move, so the next day XX/XX/2022 I send her the rest of the balance : {$250.00} ( for the total of {$1200.00} ) I told her that I rerouted the package to one of the XXXX XXXX stores, because I'd like someone to witness ( when I open the box ) what is in the package, to avoid any problem in the future. 
- Next day when I check the tracking, I see that the seller had requested the box to ship back to her. 
I call the bank right away to report, the banker filed the claim for me, provided XXXX claims number for the XXXX XXXX transaction that I make. 
XXXX Claim number XXXX for {$620.00} XXXX Claim number XXXX for {$370.00} XXXX Claim number XXXX for {$250.00} The banker told me that someone will call me, but NO CALL from the bank! 
At the same time, I report the scammed to the FTC, Report # XXXX I also report to the XXXX and to the XXXX XXXX Police Department. 
case # XXXX, The assigned XXXX XXXX name is XXXX XXXX. 
On XX/XX/2022 the XXXX package was delivered to my home ; I opened the box. inside I found an old pair of shoes a crushed XXXX box, and a pair of old track pant. I ran to the police station right away to show them the box, they took the box and updated the report for me. 
I called the bank, they told me that they already CLOSED THE CASE. I was very disappointed, they did not call me, at least have some courtesy to update some information to help the case. 
I ask the banker if I have no chance to recover the money, or get some kind of protection from the bank to have my money refund, he said NO. 
This is the scammer Information : XXXX XXXX email : XXXX Phone : XXXX She gave me 2 addresses : XXXX XXXX XXXX, XXXX. FL XXXX XXXX XXXX XXXX, XXXX XXXX FL 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 2022-05-03 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:
Im accordance with the Fait Credit Reporting act XXXX account XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **** 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 an 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 non-monetary relief
Consumer complaint received 2022-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA

Complaint narrative:
Fair Collection & Outsourcing has tried multiple times to collect on a debt that is not mine. They have sent notices to addresses where I do not reside and a number of their notices have had different incorrect iterations of my name. When contacted they press me for additional personal information. I have tried working with the company that initiated the debt, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, but I have been unable to verify that they are an active and legitimate business. I have never lived and or visited the the state where this apartment is located. I have filed a police report for identity theft and I have notified all three credit reporting bureaus.

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