vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LD Holdings Group, LLC
State: MI

Complaint narrative:
My bank sent a physical check to Loan Depot in the amount of {$15000.00} to pay down a portion of my mortgage loan. The check was received by Loan Depot on XX/XX/2023, according to their own records. 

Loan Depot rejected the check, citing that certified funds are required. I received this letter of rejection via US mail on XX/XX/2023. I subsequently called their customer service for further explanation and a resolution but I received neither. 

I called the check-source bank about converting the check into certified funds but they are unwilling to fulfill this request as a matter of cost, remarking that it is unusual for a check to be rejected in this manner. Additionally, they can not send the funds digitally to Loan Depot, and they can not send the check to me so I can cash it and forward the funds to Loan Depot digitally. 

As a result, I'm stuck in a bureaucratic deadlock to which Loan Depot benefits as I am forced to pay more interest each month. I want Loan Depot to show me where I agreed to waive checks as a valid form of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
On XX/XX/24 Kia Motors made an inaccurate report to my consumer credit report, which resulted in my score decreasing. I have not missed any payments or made any late payments as of XX/XX/24. I called several times to get clarity on my account status and have been unsuccessful with this. I have also tried to submit a dispute directly with Kia Motors but the company has refused to allow me to do so. Since XXXX, I have spoken to several agents within several different departments and was given different information regarding my account status every time. I have asked to speak with several managers and can not seem to get through to anyone. I also received an email from Kia asking me to make my payment for XXXX by XX/XX/24 to avoid negative credit reporting, which the payment was made by XX/XX/24 and posted on XX/XX/24. Kia is still insisting that they did not receive my payment for XXXX, despite my account reflecting that they did. 
Kia needs to fix my credit report immediately or this will result in further legal action against Kia Motors.

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 2024-02-13 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: OK

Complaint narrative:
I received a declined credit notice from XXXX XXXX when I never submitted an application or had any contact with this company

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 2024-02-13 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: Cascade CISS Holdings, LLC
State: CA

Complaint narrative:
i dont recognize this company and they used my information without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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:
Fraudulent hard 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-02-13 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:
Fraudulent hard 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-02-13 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681i ( 7 ) description of reinvestigation, provide proof. I have asked and given them time to show proof on who, the name of person and contract.

PLEASE REMOVE FROM MY CREDIT REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To my knowledge, FCRA 605B states that inaccurately reported accounts should be removed from credit reports. I'm uncertain about the specifics, but please review the accounts detailed in the documents. They're inaccurately reported on my credit history, including erroneous account information and statuses. This situation has upset me, and I'm feeling unwell. I'm reaching out for your assistance.

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 2024-02-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to you to notify you of your legal obligation to adhere to the Fair Credit Reporting Act ( FCRA ), Metro 2 compliance standards, and other federal and state consumer rights. I challenge all inaccuracies or deficiencies of reporting. Please review your data on file for me and make any necessary corrections.As you may know The Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). CRAs are companies that collect and maintain consumer information, which is then used to produce consumer reports. These reports may be used by creditors, insurers, employers, and others to make decisions about granting credit, loans, insurance, or employment. Under the FCRA, CRAs must take reasonable steps to ensure the maximum possible accuracy of the information they report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Around XX/XX/XXXX, I saw an ad on XXXX XXXX XXXX XXXX, promoting loans and home investments. Being a person who XXXX XXXX XXXX and wanting to fund one of my projects, I approached them with the intention of taking out a loan in order to get the project started. I was informed that I would need to make a deposit in the amount of XXXX XXXX  as an insurance, which would then be returned to me after 14 days. 

Almost a month passed, and I did not hear anything back from anyone from XXXX XXXX. 

I got in contact with a lawyer from XXXX XXXX XXXX, a fake law firm which was supposedly dealing with these types of cases, and was recommended as a go-to point of contact in case someone needs assistance. However, the representative I was communicating with feigned ignorance in regards to the transfer I made to XXXX XXXX. 

The XXXX transfer of XXXXXXXX XXXX was made on XX/XX/XXXX from XXXX XXXX XXXX  account in XXXX, through my XXXX account, and to the Bank of America account of one of their shell companies. 

I am kindly asking you to investigate this matter thoroughly, and assist me in recovering the funds I lost to this fake loan company. 

I tried settling this matter with the Bank of America directly, as they were the recipients of the funds, however despite their promises to get back to me with a resolution, they never did. 

Attached, please find the letter containing all of the supportive statements, screenshots, and further evidence.

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 2024-02-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Benht: Economic Development Corporation
State: MA

Complaint narrative:
Hello! XXXX XXXX giant mistakedefinitely need some advice. Ive now learned that my state of MA doesnt allow payday loans but I was able to get this one when under extreme duress this summer. It was a {$630.00} loan with a 700 % interest rate ; once I was finally forced to pay it back in full, because I couldnt afford not to, that day included a previously scheduled payment AND two other payments, one of approx {$130.00} and one of approx {$650.00}, but paid abt {$2000.00} back. I called to complete the loan and was told I had to pay all of it, there would be no inclusion of the previously scheduled payment of approx {$85.00} that was taken out that day, and no they wouldnt cancel the original loan and return the insane interest difference. I am no economist or super well educated finance-wise but Ive made it 40 years without this big of a mess and that includes student loans taken out at age 18. Ultimately, I believe I was swindled, with dubious consent ; this is an expensive option emergency loan originat [ ing ] on Tribal Land. Can the loan made and repayments made be canceled/refunded on the grounds of, perhaps, my ignorance of that law? Was it illegally supplied to me, in the first place? Or is it moot because of the Tribal Land point and theres a loophole they can use? Please help me, I dont believe this is something companies are allowed to do to, I assume primarily, low- and middle-income folks who are likely in a very tight situation ; these lead to an impossibly tight and demeaning situation and I cant not say something. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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:
According to ( XXXX XXXX  ) response on XX/XX/year> there is no 1099-C for the XXXX XXXX  ending in XXXX. If there is no 1099-C than how is this account reporting as a charged-off account? 

According to Equifax a charge-off means the lender has " written the account off as a loss, and the account is closed for future charges ''. 

In XXXX response they stated the account is still open. Why is this account reported as closed on credit report? 

According to the IRS for the account to be " charged-off '' a 1099-c should be issued. Did XXXX truly charged the account off? Did XXXX XXXX receive tax benefit for this " charged off account '' CC : XXXX IRS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 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: AZ

Complaint narrative:
Requested over a month ago via cerfied mail to XXXX XXXX XXXX to provide proof of this account since it is not mine.

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 2024-02-14 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: GA

Complaint narrative:
After reviewing my consumer reports, I noticed that I have numerous inquiries. I have been notified that my data has been compromised as a result of the equifax data breach... I believe these inquiries are fraudulent and I am requested they be removed/deleted from my credit reports. The inquiries WITH MULTIPLE DATES are as followed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-02-13 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:
I want these unauthorized inquiries gone within this week 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 2024-02-13 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: CBC Companies, Inc.
State: ME

Complaint narrative:
On XX/XX/XXXX, I got confirmation that Innovis put freeze on account per my demand. At no time did I provide written permission for Innovis to make any reporting of my private consumer information to anyone. On XX/XX/XXXX, Innovis added a new address to my report without my written consent, violating FCRA ( 15 USC 1681b ). This unauthorized use of private information is identity theft ( 15 USC 1681c-2 ). It violates compliance processes ( 15 USC 1681e ) and potentially carries civil liability ( 15 USC 1681n ). Again, I previously opted out of such disclosures under FCRA Section 6802. Despite this, my information was disclosed without my written consent. I demand : 1. Immediate cease and desist of reporting my information ; and ; 2. Documentation of any disclosures and confirmation of all reporting ceasing. Failure to comply will result in legal action seeking damages. I expect a swift response and confirmation within 30 days including {$1000.00} fine fee for this trespass by Innovis.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC.
State: SC

Complaint narrative:
I purchased a car in XXXX XXXX XXXX. I recently had a look at my contract closely and the numbers aren't adding up. My interest rate is at 27.46 %. I was also told in the beginning that i wasn't approved for the loan. All of a sudden the next day I am magically approved major red flag. I feel as if they schemed a way for me to get approved. None of my payments went towards the car from day one. I have 5 payments in the beginning that never touched the car. I need answers, I also know about the 49 USC 14301 law. The whole process with this company took advantage of me as a consumer. Not to mention the amount that it shows i own as long as i had the car is still at XXXX. This makes absolutely no sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: CA

Complaint narrative:
As far as I understand, FCRA 605B mandates the removal of inaccurately reported accounts from credit reports. I'm unsure about the details, but I urge you to examine the accounts provided in the documents. They're inaccurately reflected on my credit report, with incorrect account details and statuses. This situation has left me feeling upset and unwell. Your help with this matter would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 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: VA

Complaint narrative:
1666d - If there is a balance of credit or insurance of the account in connection to a consumer credit transaction with a surplus over XXXX XXXX, this account should be credited in the amount of the credit balance, upon request, the remaining balance of the amount should be refunded to the consumer, by cash, check, or money order. The amount can not be known without knowing the journal and ledger entries of the account from the date of account opening as described in Publication IRS 583.

AFFIDAVIT Notice, it is a fact, affiant has reason to believe and do so believe, pursuant to 15 U.S. Code 1666d if there is a credit of account balance with surplus over XXXX XXXX  in accordance to the journal and ledger entries described in IRS Publication 583, the amount balance should be credited and the remaining balance must be directed to I, the consumer by check. The documentary evidence must be provided to clarify this amount as this is a formal instruction in accordance to 15 U.S.Code 1666 ( b ) ( 2 ) to provide the documentary evidence which includes books of account in accordance with 15 U.S.Code 44 to resolve this billing error.

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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
1666d - If there is a balance of credit or insurance of the account in connection to a consumer credit transaction with a surplus over XXXX dollar, this account should be credited in the amount of the credit balance, upon request, the remaining balance of the amount should be refunded to the consumer, by cash, check, or money order. The amount can not be known without knowing the journal and ledger entries of the account from the date of account opening as described in Publication IRS 583. 
AFFIDAVIT Notice, it is a fact, affiant has reason to believe and do so believe, pursuant to 15 U.S. Code 1666d if there is a credit of account balance with surplus over XXXX dollar in accordance to the journal and ledger entries described in IRS Publication 583, the amount balance should be credited and the remaining balance must be directed to I, the consumer by check. The documentary evidence must be provided to clarify this amount as this is a formal instruction in accordance to 15 U.S.Code 1666 ( b ) ( 2 ) to provide the documentary evidence which includes books of account in accordance with 15 U.S.Code 44 to resolve this billing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: DISCOVER BANK
State: CT

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
An affidavit form was submitted as a response to the initial letter response from them, and has been completed and returned as of XX/XX/2024. I have received no response. 

This account is still showing on my credit report, and there has been no validation that the account belongs to me.

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