vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-20 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: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights. Under 15usc1681 section 602 states I have a right to privacy.

15usc1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666b a creditor may not treat a payment on a credit card account under and open any consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: VA

Complaint narrative:
See document attached

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 2023-10-20 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: LA

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It 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 2023-10-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I have multiple accounts with Affirm and have been trying to update my cellphone to my new number so I can access my account online to make Payments after being a victim of a hacker on XXXX I immediately notified this creditor of needing to update, email, cell and payment information to protect me from further harm and removal of compromised information on my account. They updated all but cellphone which is how you access account and obtain codes. I have uploaded my TX drivers license 5 times, done facial recognition photos, spoken with multiple agents and supervisors all saying the same thing over and over.with script I have had 2 agents return my call to new cell phone number as part of verification responded to email links provided all requested items and still no update to my cell.phone number on my account I should not have to call over and over and send same sensitive documents over multiple times on multiple occasions I need this resolved it's been over a month

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am filing this complaint to SYNCB/CHEVRO for allowing fraudulent account on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account is reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.

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 2023-10-20 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: NM

Complaint narrative:
In XXXX I had an XXXX XXXX XXXX file my taxes, while filing for my taxes me or the preparer didn't notice that my W2 had the incorrect Social security number for me. After filing my taxes I had received my federal and state taxes that year. But as of XXXX I had noticed my incorrect Social Security Numbers were incorrect for XXXX & XXXX W2 forms. Not until my boss had not mentioned that I was laid off and I was filing for unemployment I had made her correct my W2 form social security number to the correct #. I don't know if she reported the changes but I do not have a correct W2 form with correct Social security number for XXXX. My identity has been stolen from XXXX and I had to file for an extension for XXXX due to the fax my new tax preparer had mention that someone who wasn't me had filed for my taxes without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: NM

Complaint narrative:
In XXXX I had an XXXX XXXX XXXX file my taxes, while filing for my taxes me or the preparer didn't notice that my W2 had the incorrect Social security number for me. After filing my taxes I had received my federal and state taxes that year. But as of XXXX I had noticed my incorrect Social Security Numbers were incorrect for XXXX & XXXX W2 forms. Not until my boss had not mentioned that I was laid off and I was filing for unemployment I had made her correct my W2 form social security number to the correct #. I don't know if she reported the changes but I do not have a correct W2 form with correct Social security number for XXXX. My identity has been stolen from XXXX and I had to file for an extension for XXXX due to the fax my new tax preparer had mention that someone who wasn't me had filed for my taxes without my consent.

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 2023-10-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 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: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The Experian and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. THE LATE ACCOUNT BELOW NEEDS TO BE CORRECTED OR UPDATED COMPLETELY FROM 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 explanation
Consumer complaint received 2023-10-20 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: Eastern Account Systems of Connecticut, Inc.
State: MI

Complaint narrative:
I received an alert from several credit monitoring services that a new collection account was placed on my consumer credit reports from Eastern Account Systems , IncXXXX Eastern Account Systems , Inc has never contacted me by mail, phone or email about any debt, nor did I give them consent or authorization to access my credit reports from any credit reporting agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS
State: TX

Complaint narrative:
I HAVE IDENTIFIED INFORMATION ON MY REPORTS THAT ARE A RESULT IDENTITY THEFT. THESE ITEMS ARE NOT RELATED TO ANY TRANSACTIONS COMPLETED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: TX

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate 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 2023-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting XXXX XXXX  Account # XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. XXXX Account # XXXX. XXXX Account # XXXX, and 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 a consumer reporting agency can not furnish a 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.

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 2023-10-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting XXXX XXXX Account # XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. XXXX Account # XXXX. XXXX Account # XXXX, and 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 a consumer reporting agency can not furnish a 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Americas Car-Mart, Inc.
State: TX

Complaint narrative:
I received no information from company nor would they assist or agreed to assist with the identification of the sales agent or proof it was me that co signed. When I had to have a co sign for my own account. I only learned about this account XXXX moths ago and thats the reason I was never notified or contacted and it is why the account being open closed for years but I only was notified a few months ago that I had late payments of a closed account in collections

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXXXXXX XXXX {$2800.00XXXX XXXX XXXXXXXX XXXX {$2800.00} XXXX5 U.S.C, 1681section 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. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-10-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
I had hardship of lost job of cov19 in XXXX, My mortgage with XXXX XXXX XXXX sold my mortgage to Carrington. 

All FORBEARANCE DUES ALREADY PAID IN FULL ON LAST XX/XX/XXXX BUT CARRINGTON WANT TO PUT ESCROW ON MY MORTGAGE OF 16YRS THAT I NEVER HAD ESCROW. 
( THAT WOULD INCREASE MY MONTHLY PAYMENT TO $ XXXX $ XXXX MO ). 

Carrington intending FORECLOSURE & CHARGE LATE FEE my property. 

I received twice NOTICE OF INTENT FORECLOSURE, LAST ONE IS XXXX XXXX, XXXX SINCE XX/XX/XXXX TO -TODAY I HAVE BEEN ASKING TO REMOVED ESCROW CHARGES BUT THEY DENIED. 

MY PROPERTY MORTGAGE ALREADY PAID ABOUT 80 %. 
I never missed any payment of HOME INSURANCE, HOA , COUNTY TAXES IN THESE 16 YRS. 

I AM IN MY XXXX, very hard to find job to get some extra money to pay my mortgage. 

My source income from XXXX ONLY ABOUT $ XXXX month. 
With that amount I received barely can make more payment. 

Please help me to get out of Carrington THREAT. 
THANK YOU FOR ANY ASSISTANCES. 

BEST REGARDS,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
I'm reaching out to you today to seek your assistance with an ongoing issue that has arisen since my mortgage was transferred from Home Point Financial to Mr. Cooper on XX/XX/2023. 

Prior to the transfer, I had an open insurance claim, and I had mailed a check for a little over {$8000.00} from XXXX XXXX to Home Point. Since the mortgage company also needed to endorse the check, Home Point XXXX-ed the check to Mr. Cooper. However, the situation took an unexpected turn, and I am now facing an unacceptable delay in receiving these insurance claim funds. 

For over two weeks in early XXXX, Mr. Cooper informed me that they had not received the check. To resolve this issue, I contacted Home Point to obtain the XXXX tracking number. I learned that the check had been signed for on XX/XX/XXXX. When I provided this information to Mr. Cooper, they seemed confused, questioned the address it was sent to, and even claimed not to have an office in the state to which it was addressed ( South Carolina ). 

Subsequently, I contacted XXXX XXXX to request a stop order on the check, but it had already been cleared. XXXX XXXX confirmed that the check was, in fact, endorsed by Mr. Cooper and included an account number. When I conveyed this to Mr. Cooper, they initially denied having my money, despite the evidence that they had endorsed and deposited the check, which was now residing in a specific account. 

After some back and forth, Mr. Cooper acknowledged that their mortgage division is indeed located in South Carolina and the check was received there. They assured me that they would request an internal transfer from that division to the loss draft division, estimating that it would take 3-5 business days for the funds to be available for the insurance claim. That was on XX/XX/XXXX. However, as of XX/XX/XXXX, the money still had not transferred. I called Mr. Cooper once again, and they informed me that the transfer was still pending, but they were uncertain as to why. 

I contacted Mr. Cooper again on XX/XX/XXXX, only to be told that the transfer was still pending. I emphasized that transferring funds within the same company should not be an arduous process. 

The ongoing delay in releasing my funds has raised concerns that extend beyond a simple administrative error. There seems to be a significant delay, and I'm left with the impression that there may be more at play than meets the eye. It's my hope that the funds are not being intentionally held for an extended period and being pooled to earn interest while Mr. Cooper provides excuses and stalls the release of funds. This not only causes undue financial hardship but also raises ethical concerns. 

I kindly request your assistance in addressing this matter and thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
It seems that the company is just trying to set me up to fail. I lost my job in XXXX and have been trying to get Unemployment Forbearance from Lakeview LoanCare since XXXX. I first applied online through their website on XX/XX/XXXX, it takes 5 business days. Their website said " Submit documents we are requesting in the document section ''. The document section had no documents shown. I called about it. They said give it about 2 days. I checked and submitted the documents which was my last pay stub of income source. I got declined. I called and asked why I didn't get the assistance and they said I needed to submit income ( even though I lost my job in XXXX ) I needed income from another source, not from my last job. My unemployment finally hit, I tried reapplying online on their website but it said it is not working to call the number. I did on XX/XX/XXXX. They said they'll submit a packet in the mail that should arrive in 10 business days. I received it around XXXX. I scanned and emailed them the application on XX/XX/XXXX and said it would take about 5 business days. They never reached out to me about it. I called XX/XX/XXXX to check on the application process and they said it never started because they never received it. Their imaging didn't go through because it usually takes 24-72 hours for them to receive from email to their system. They're not tech savvy enough to know why they didn't receive the XXXX  that I scanned. They told me to try again and reach out to them after 24-72 hours ( 1-3 business days ). I submitted it immediate and asked them to stay on the line so that they could verify that they received the email. They said they couldn't and that they don't have access to that part of the system. That I should reach out to them 4 days later. I'm just trying to hold off on my mortgage payments for 2-3 months while I find a job.

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 2023-10-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing this request that I have been a victim of identity theft and I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. 

Kindly eliminate the accompanying records as they are false and were opened without my assent or 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 2023-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/2023 I attempted an ATM withdraw in the amount of {$500.00} from Regions Bank in XXXX, TN XXXX XXXX, using my XXXXXXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ). The machine malfunctioned and did not disburse funds. The machine prompted me to remove my atm card in order to disburse funds. I took my card but the message remained on the screen. No funds were ever disbursed. I tried to cancel the transaction but the machine locked up then timed out. I went to another bank and got my funds. I noticed a few days later my account was debited for {$500.00} which included the {$4.00} transaction fee. I filed a dispute with XXXX. The results were not favorable and showed I received the funds which is totally inaccurate. I further requested another investigation to include a full audit and to include video from the atm machine.

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