vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: General Motors Financial Company, Inc.
State: NV

Complaint narrative:
Re : Dishonor of Private Conditional Acceptance Presentment This is a notice to inform XXXX XXXX XXXX, and principals of XXXX XXXX XXXX. ( Hereinafter Respondents ). Respondents are in Dishonor and Default for refusal and failure to respond and rebut XXXX 's presentments titled, Private Conditional Acceptance and Offer to Cure, in the form of an Affidavit, dated XX/XX/XXXX ( hereinafter Presentment ). Respondents were " Privately Noticed '' and given allotted time to respond by rebutting XXXX 's Conditional Acceptance and Offer to Cure with specificity and fact of law under the penalties of perjury pursuant to 28 U.S. Code 1746 in the form of an affidavit. Ninety ( 90 ) dats have lapsed since Respondents have been in possession of said XXXX, and Respondents have refused and/or failed to rebut said XXXX in the allotted time and specified manner therein. On XX/XX/XXXX, principals and agents of XXXX XXXX XXXX XXXX,. XXXX XXXX XXXX,. and XXXX XXXX located XXXX XXXX XXXX XXXX, XXXX XXXX, Nevada ( Hereinafter ) deceived Affiant ; a private consumer into endorsing an unconscionable contract ( see XXXX XXXX ) for the purchase of a XXXX XXXX XXXX XXXX which Respondents willfully, falsely, and knowingly purported to be safe, and in compliance with U.S.C. 49 30116 et seq,. and the applicable mechanical, safety standards and regulations of the state of Michigan and state of Nevada. XXXX XXXX XXXX XXXX, and sales representatives of XXXX XXXX, both doing business in the state of Nevada wantonly, falsely and deliberately publicized deceptive advertisements which purported the " XXXX XXXX XXXX XXXX could travel 259 miles on a full charge '', was " Mechanically Sound '' " Eco Friendly '' and " Safe '', These deceptive public announcements and false advertisements was the centerpiece of XXXX XXXX XXXX, and its franchisees ' marketing campaign to garner sales for said vehicle. Considering the public announcements by Respondents, XXXX was deceived into to trading in a XXXX XXXX XXXX and paying a substantially higher price for the purchase of a XXXX XXXX XXXX XXXX, at a price gauging note approximately {$710.00} per month that Respondents knew was unsafe, prone to ignite into fire, and mechanically defective from the onset. Said actions by Respondents are in clear violation of a litany of mechanical and safety standards pursuant to United States Codes, including violating Deceptive Trade Practice statutes pursuant to State of Nevada Statutes ; 598.0903, et seq. Since reviewing models of the XXXX XXXX XXXX XXXX on television and internet completely burned, or on fire, I have since been filled with anxiety, suffer from psychological duress, and have no peace of mind every time I attempt to enter into XXXX XXXX the XXXX XXXX XXXX XXXXXXXX for XXXX of it catching fire, my family and I being injured or killed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: FL

Complaint narrative:
Theres a fraud account from XXXX showing on my credit report that needs to be Delete and XXXX Inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). I have not initiated any transaction with these companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with these companies for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a onsumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX, XXXX XXXX XXXX, XXXX, NC 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 2022-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
the checking account has fraudulent activity that an altered check was cashed and fund withdrawn fraudulently. The case has been opened with the bank and police. The bank still has not returned the fund after one month and still not ETA. the amount is around XXXX dollars which can cause issue with paying monthly expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: FL

Complaint narrative:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-03 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: FL

Complaint narrative:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I recently submitted complaint XXXX regarding my Wells Fargo mortgage XXXX The information that Wells Fargo is providing is incorrect. I was never 13 months past due with my payments. Wells Fargo forced me in a modification while in a XXXX  XXXX bankruptcy. Well Fargo has not provided any proof that I was facing forclosure. I have records of all payment transactions made via my trustee and prior to my bankruptcy. Wells Fargo and stating the issie is with HUD and myself. In fact all documents submitted was from Wells Fargo not HUD.

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 2022-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
I have never done any buisness with Credence Resource Management whatsoever no verbal or written agreement they have been calling me non stop after I have disputed this false debt twice and no verification was ever provided they are violating my rights under the FCRA I have a right to privacy and fair credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
The Bank of America online bill pay system has always sent out paper checks to payees who are not electronically integrated into their system. About 3 months ago they started debiting my account not when those checks were cashed but instead on the day when the check was expected to be delivered in the mail to the payee. That is, they are debiting my account for checks that have not been presented by the payee for payment. How can they be allowed to do this? I complained to their corporate complaint center in a series of emails from XXXX XXXX to XXXX XXXX. They acknowledged the complaint but provided no justification. I am attaching a .pdf of the email exchange.

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 2022-10-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
I requested a refund for my federal student loans XX/XX/2021. I paid {$10000.00} to myfedloan servicing in XX/XX/2021. The balance has been reinstated on myfedloan and they say my refund request is processing, however studentaid.gov has not updated my balances and I still have no received the {$10000.00} back!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Uplift, Inc
State: GA

Complaint narrative:
I use the travel agency uplift.com. when XX/XX/XXXX of 2022 I called in to pay my bill for XXXX and XXXX. After having a brief conversation on the phone with the representative as he was confirming my identity and taking my information to pay my bill, later that evening I received the text from an unknown number which turned out to be the representative that I spoke to at this company. This representative took it upon himself to take my telephone number off my application and reach out to me for his personal gain. After letting him know that he should not have reached out to me I googled his area code and he lives in the same state as I do. That alarmed me I have been petrified ever since. I have since went and brought some kind of protection from my door, I also went to start the process of getting my license to carry a concealed weapon. This situation I feel that it is harassment, it has me nervous all the time, I'm always watching my surroundings, and I just do not feel comfortable in the place in which I reside anymore. This representative has access to my address as well as my social and of course my telephone number. I am no longer comfortable where I live and have been residing for the last 3 years. I'm hoping that someone can help me with this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-10-03 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-10-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My XXXX XXXX Balance is still reporting incorrectly on all 3 credit Bureaus for the sum of {$3200.00}. The correct balance should be {$1400.00}.

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 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma, LLC
State: TX

Complaint narrative:
I received an email from credit karma recommending I apply for a XXXX XXXX XXXX  account. The email stated that I had outstanding odds of acquiring an account. I'm all for building up my credit but when I went to apply for it XX/XX/2022, I was denied. The email that was sent out to me from credit karma was dated for XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My XXXX XXXX Balance is still reporting incorrectly on all 3 credit Bureaus for the sum of {$3200.00}. The correct balance should be {$1400.00}.

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 2022-10-03 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My XXXX XXXX Balance is still reporting incorrectly on all 3 credit Bureaus for the sum of {$3200.00}. The correct balance should be {$1400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
I believe Mr. Cooper ( Nationstar ) is harassing me via ordering excessive and unnecessary " inspections '' in addition to falsely reporting my home to be " abandoned '' to my homeowners insurance provider. They then tack on fees for each " inspection '' so that I have a backlog of unpaid fees I was unaware of. Now they've started adding it to my monthly mortgage payment. They've had my home " inspected '' approximately 20 times in approximately 2 years. Sometimes twice in the same month. This goes against every standard practice I can find online as I'm never behind more than 90 days and it's never more than 30 days between full payment is sent. I believe they falsely reported my home to be " abandoned '' because standard practice is that if the " inspector '' believes the home is abandoned the next step is to do an internal inspection. I have cameras outside my home and I've never seen anyone pull their vehicle into my driveway nor have I seen anyone walk onto my property ( aside from XXXX, XXXX, and USPS making delivery ). It stands to reason that the inspector did not truly believe my home to be abandoned because he/she never did an internal inspection, which is the next step after a drive-by inspection for a presumably abandoned home. Either the inspector doesn't exist and I'm being charged false fees or the inspector exists and is a fraudulent inspector who is getting kickbacks for falsifying reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: Early Warning Services, LLC
State: TN

Complaint narrative:
In XX/XX/2022, I requested my consumer report from Early Warning. On XX/XX/2022, Early Warning sent my consumer report labeled as " Comprehensive File Disclosure. '' After reviewing and seeing all my information that Early Warning has been providing to financial institutions, Early Warning is committing identity fraud and violating privacy protection for consumer information. Early Warning has not received written permission from me to disclose such information. I have no contract or agreement with the company to furnish my personal information ( name, SSN, address, phone number, Drivers License #, and banking information ) to any person or corporation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-10-03 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: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts and information. I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report.

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 2022-10-03 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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