vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
In XXXX XXXX XXXX we contacted Ally Financial about purchasing our leased vehicle, we received the payoff amount and secured a loan to payoff the vehicle. 

XX/XX/XXXX we mailed a check certified overnight to the address provided by Ally XX/XX/XXXX the check was signed for. 
XX/XX/XXXX we called to verify if check was posted. The rep. we spoke to had no knowledge of the being recieved and told us it would be 30 days to post. 

After waiting 30 days called again and Ally had no knowledge of the check being recieved we explained that it was mail certified and was signed by someone at the address they gave for the payoff. The only remedy was to launch an investigation. We gave the amount of the check, check #, and copy of the post office delivery receipt. 

we received no correspondence from Ally regarding this matter, so we continued to call again on XX/XX/2023 and XX/XX/2023 The only solution that was offered was to send another check to the same address in which the first check was lost. The only means of purchasing vehicle was mailing a check to said address. 
Since launching an investigation Ally has not contacted us about the lost check. 
Since our lease was up in XXXX we surrendered the vehicle on XX/XX/XXXX, contacted Ally at the time of the surrender as of XX/XX/2023 Ally has not picked the vehicle up from the dealership. They have sent a letter dated XX/XX/2023 of notice to report negative information to the credit bureaus. We have also received collections calls which we informed them that the vehicle was at the dealership. We were told that it was illegal for Ally to contact the dealership. We contacted the dealership to inform them that the vehicle was at the dealership.

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 2023-05-01 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: Credit Karma, LLC
State: IA

Complaint narrative:
Credit Karma and laws of title 15 USC-1692k section 813, 1692k ( 11 ), 15USCode-1681n-for every unauthorized inquiry on credit report! 
15 USC-1681b ( c ) ( 1 ) 12 USCode-83-banks can not lend money as defined by law they are the borrowers and they purchase securities. A deposit is banks record of it's debt owed to the public 15 USC-1635/12 CFR-1026.3 ( b ) ( 1 ) ( i ) ( a ) Bills of Exchange ACT of 1882 Federal Reserve ACT Currency ACT Birth certificate ACT Securities exchange ACT Federal Reserve ACT , section 16/credit denials are unlawful. The application is a Promissory Note Breach of contract which constitutes securities fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cascade Capital, LLC
State: TX

Complaint narrative:
The company is verifying information that doesn't exist. The address that theybare using doesn't exist. If you would research, you will find this to be accurate.

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 2023-05-01 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: NC

Complaint narrative:
The following accounts are incorrect, and they are adversely affecting my livelihood. 

XXXX XXXX XXXX XXXXLate Payment XXXX XXXX XXXX, XXXXUnauthorized Inquiry

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 2023-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Remove all old addresses and personal information XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX # XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA 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 2023-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Its been almost 2 months and LVNV Funding has Not responded to 2 separate validation letters attempts. 

They are non-compliant with the law. 

I have the XXXX receipts showing when they were received by LVNV. I also have copies of the 2 letters that they received and refused to respond to. 

I have no idea what these adverse, accounts are regarding as they havent provided Anything to me to validate.

LVNV also didnt alert the credit bureaus to the fact that these 2 XXXX XXXX XXXX were under dispute and that is Illegal.. 

They are disparaging my character and preventing me from obtaining new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I was forced to buy a car at XXXX XXXX in XXXX XXXXI tried to leave but 2 people came after me... I was scared..they forced me to stay for their financing through santander Consumer USA... I received a XXXX XXXX after signing contract ... the contract I digitally signed is different than the terms I was given and signed for ... the payment is over {$20.00} more and the due date changed to 13 days earlier... I requested a late month due date or my payment would always be late ... the finance guy assured me it would be the XXXX or XXXX days from purchase ... it was purchased on XX/XX/XXXX so realistically the XXXX of the month would work with the few days allowance ... when I called santander..they refused to help and said it was what the contract said..I went in to the dealership with a preapproved letter from XXXX XXXX XXXX XXXXXXXX with a rate of 7.99 % ... the dealership refused to use my preapproval and forced me in to the contract with santander at XXXX ... the finance guy said because i got a good deal they needed to recoup some money from financing ... I truly wish I could just go back to my XXXX XXXX that was paid for..I think this dealership and finance company are in cahoots ... i just want my payment amount and due date to be what I signed up for ... the dealeship gave me no paper work ..just a zip drive ... I think that is where everything changes... i signed one thing and once he had my signature ..he changed the paperwork and I didnt know because I had no paper work... it was the worst experience of my life...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently submitted a complaint # XXXX, in which I requested Transunion refrain from sharing my personal private data. The response was incomplete, inaccurate, evasive, excessively wordy, off topic and most of all completely failed to be answered. Allow me to be clear as possible, the request did not pertain to the accuracy or validity of any account ( s ) on my private personal consumer report, but in fact to stop publishing my person private data without 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 2023-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: UT

Complaint narrative:
On XX/XX/23 I received a letter from IC Systems, on the letter in giant bold letting it says " TOTAL AMOUNT OF THE DEBT NOW : {$290.00} '' Due to some health issues I wasn't able to call until XX/XX/23. I called to try and resolve the debt expecting to pay {$290.00}. I spoke to a representative named " XXXX '' and explained to her why I was calling, I repeatedly asked to pay the debt that is on the paper they sent me but she kept telling me I owed over {$700.00}. She then told me " yeah ... sorry the wording is weird on that '' but I'm not understanding how " TOTAL AMOUNT OF THE DEBT NOW '' can be taken any other way. She offered me a settlement of {$500.00}, which I wanted them to honor the amount listed on the paper. I felt this was very deceptive and a bait and switch to get me to call in so they could get my information. I asked to speak to a manager. 

Manager " XXXX '' got on the phone and just repeated the same thing she did, " {$290.00} was ADDED to the existing debt, it isn't what is owed '' even though the paper clearly says " TOTAL AMOUNT OF THE DEBT NOW ''. I tried to settle for even {$400.00} but they wouldn't work at all with me even though their notice they sent to me was extremely deceptive and I feel like it was a misrepresentation of the debt. I can include a picture of the paper they sent me, they even acknowledged they are seeing what I see but their answer was " it's worded really weird ''.

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 2023-05-01 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: AL

Complaint narrative:
I reached out the the credit bureaus in regards to a violation of section 623 ( a ) ( 3 ) for failure to enter notice of dispute for XXXX XXXX XXXX I sent a letter to Experian, XXXX, and XXXX on the XXXX of XXXX. I've disputed this account numerous times in the past 120 days and to my shocking disbelief all parties in this matter have failed to update my credit profile and stated bye law. I would like for all inaccuracies and violations to be removed 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 explanation
Consumer complaint received 2023-05-01 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: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
I got a car from a dealer which the contract was fraud and I wanted to unwind and I was asked not to make the first payment by their customer representative

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kikoff Inc.
State: MA

Complaint narrative:
The name of the company is called Kickoff. A girl that I know got my personal information and started taking credit cards and loans out in my name. XXXX XXXX XXXX XXXX for some of the credit cards that were taken out. I reached out to the company and they claim that I took out this credit line. I have no way of logging into the account or gaining access to anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03 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: IL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-05-01 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} XXXX {$0.00} {$0.00} {$0.00} - - - XXXX XXXX XXXX XXXX XXXX THIS ACCOUNT INFORMATION ; ORIGINAL CREDITOR : XXXX, ASSIGNED ON XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX  {$120.00} XXXX {$0.00} {$0.00} {$0.00} - - - XXXX XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX, ASSIGNED ON XX/XX/XXXXI have previously disputed these accounts and requested validation, no documents have been provided to validate the account, no response was received in a timely manner, and there continues to inaccurate information being reported. Since none of this worked, I decided to pay for deletion. Which they agreed to. No it is still listed on my Equifax and XXXX credit reports. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  Account # XXXX and XXXX XXXX XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: Thaxton Investment Corporation
State: TX

Complaint narrative:
XXXX has paid the Credit reporting agencies to report a collection on my consumer report. I was never sent any information to challenge the validity of the alleged debt. This has damaged my credit and has caused me to be denied extensions of my credit and caused me to pay higher interest rates and fees. I did not consent to contract with this company nor do they have permissible purpose to have my information which could be considered fraud and identity theft. This account is showing as an open collection and has Covington Credit as the original creditor which I also have no contract with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: MI

Complaint narrative:
Incorrect addresses Incorrect names Unauthorized inquiries

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 2023-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have always made timely payments on this account, and it is therefore absurd that my account would indicate otherwise. Kindly update my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have reported to XXXX that they have listed duplicate car loans on my credit report one XXXX XXXX XXXX and XXXX XXXX XXXX for over 60 days. This matter has been resolve and the dispute has been open with XXXX XXXX and Trans uNION FOR OVER 30 DAYS. I do not receive any response due to an ongoing federally constructed and orchestrated civil criminal conspiracy. I have closed and paid this account and it should reduce my dent by XXXX XXXX this is being done to deliberately negatively impact my credit and way of life by certain individuals who are XXXX and criminal informants from this house and this church in my neighborhood participating in 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 2023-05-01 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have reported to XXXX that they have listed duplicate car loans on my credit report XXXX XXXX XXXX XXXX and XXXX XXXX XXXX for over 60 days. This matter has been resolve and the dispute has been open with XXXX Equifax and XXXX XXXX FOR OVER 30 DAYS. I do not receive any response due to an ongoing federally constructed and orchestrated civil criminal conspiracy. I have closed and paid this account and it should reduce my dent by XXXX XXXX this is being done to deliberately negatively impact my credit and way of life by certain individuals who are XXXX and criminal informants from this house and this church in my neighborhood participating in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 explanation
Consumer complaint received 2023-05-01 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have reported to Experian that they have listed duplicate car loans on my credit report XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX for over 60 days. This matter has been resolve and the dispute has been open with Experian XXXX and XXXX XXXX FOR OVER 30 DAYS. I do not receive any response due to an ongoing federally constructed and orchestrated civil criminal conspiracy. I have closed and paid this account and it should reduce my dent by XXXX XXXX this is being done to deliberately negatively impact my credit and way of life by certain individuals who are XXXX and criminal informants from this house and this church in my neighborhood participating in 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 2023-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
It's been 4 months since I reported fraudulent activity on my credit card and Chase Fraud Recovery continues to tell me it is a valid transitions because the " card was present ''. To debunk this claim that my Chase Credit Card was " present '' at a XXXX store where someone purchased {$200.00} worth of items on XX/XX/XXXX... Ive sent/included : 1. The original fraud alert text message from chase that I got on my phone - in which I replied NO I did not make the transaction 2. The fraud alert email from chase- which I received right after the text message 3. A police report they made me file detailing the activity of fraud with my local police department 4. A recording they made me get of a phone call between me and the manager of the XXXX from the night of the fraud - in which he clearly says there was fraud and retells the same series of events as I described many times 5. A TRANSCRIPT of the phone call with the XXXX manager who WITNESSED the FRAUD because their system wont accept audio files or open the link I sent with the recording after they made me get one...

In addition, they have record of me calling into their customer service moments after I received the fraudulent alerts, in which the agent recognized the fraudulent activity and cancelled my credit card and issued me a new one immediately. 

I've talked to countless people their and after reviewing all this evidence and making me jump through hoops to get it, they continue to tell me it was a " legitimate transaction '' for {$200.00} at XXXX because the " card was present '' ... 

If I have to pay for this fraud I will ABSOLUTELY be closing the card and re-assessing my relationship with chase which includes 5 years of loyalty, 5 personal credit cards, and 3 business credit cards, with no defaults and a history of always on-time payments. 

I am truly appalled with how Chase has handled this...

Company response to consumer: Closed with explanation