vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation
State: MO

Complaint narrative:
World Finance Corporation has engage in unfair behavior and willfully noncompliance with the law, knowingly using deceptive tactics on undermine my credibility and give lenders the wrong impression. On XX/XX/2022 I sent a letter to World Finance Corporation and they did not provide me proof, bearing my signature instead they sent a letter from a different address, World Finance Corporation, asking me for information that they did not have or know. Also I sent the second letter to World Finance Corporation they sign and received it on XX/XX/2022 and ask for the second to third time that I request World Finance Corporation and XXXX on XX/XX/2022 and XX/XX/2022 to please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I have added copies to show how World Finance Corporation falsify information or do not have accurate information because this account was open as identity theft and reporting a serious error on my credit report under my social security number or took information from my disputes and refurbished as new. Also in my high lighted copies of proof you see were World Finance Corporation has try to say they have requested information but never respond to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Lennar Financial Services, LLC
State: FL

Complaint narrative:
Received an email from a sales person at Lennar offering 4.99 % rates at no cost. They are not MLOs and there is no NMLS. and that rate is clearly not available to everyone... ..or anyone for that matter. Here is teh body of teh email in case the attachment does not work. 

From : XXXX XXXX XXXX Date : Tue, XX/XX/2022 at XXXXXXXX XXXX  Subject : XXXX XXXX DEALS/BONUSES/INCENTIVES ! CALL XXXX @ XXXX To : XXXX XXXX XXXX XXXX 's Super Deals and weekly specials are attached!!! 
We just released new inventory priced to sell fast! 
We are also offering special financing at 4.99 % * ( lower rates and programs available ) rate fixed for 30 years at NO COST to your client when using Lennar Mortgage!! Contact me for more details before funds run out for this financing program! 

We're also offering 3 % Commission & Realtor Bonuses in selected homes!! 

Hurry before these special price homes sell and don't let your client miss out on our amazing Special Financing! All this in addition to closing costs contributions noted on the price list! 

Call or Text XXXX I can help you in ANY Lennar community on the list! 
XXXX XXXX *special financing rates subject to credit approval with Lennar Mortgage . For more details, please contact loan officer with Lennar Mortgage. Inventory, prices, special financing and incentives subject to change at any time without prior notice. 

XXXX " XXXX '' XXXX XXXX XXXX Consultant XXXX Mobile XXXX XXXX, FL This e-mail is not a solicitation, offer, acceptance of an offer, a negotiation or amendment of terms for the sale of a home. Any such activities must be properly presented and executed in compliance with company policy. If you would like to stop receiving marketing email messages from us at any time, please click here or simply reply to any message and type " Unsubscribe '' in the subject line. Lennar strictly adheres to the CAN-SPAM act and will immediately remove your email address from our records upon request. This e-mail may contain information which may be confidential or privileged. If you are not the intended recipient, please immediately notify the sender at the e-mail address referenced above and delete this email without copying, distributing, or disclosing it. Offers, incentives and seller contributions are subject to certain terms, conditions and restrictions, which may include the use of designated lenders or closing agents and are subject to change or substitution by Lennar without notice. Equal Housing Opportunity.

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 2022-07-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX, I just checked my report, and Ive discovered that the items I requested for you to investigate and delete are still on my report, I am not sure what's going on but you seem to be ignoring my letters. I have been sending you letters for a couple of months now but the negative items are still there like you're completely disregarding it, I am not even getting any response from you people. I was told by a lawyer that this is a violin of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance and I am willing to take it to the next step should you continue your negligence.

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 2022-07-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Monterey Financial Services LLC
State: MO

Complaint narrative:
I received a 0 % interested loan through XXXX. However, my loan is serviced by a company called Monterey Financial. 

When paying the loan off early, XXXX customer portal double-charged my payment. Ive been trying to get the overpayment back for a week, but since Monterey is the servicing the account, I have to go through them and theyre dragging their feet saying it could take almost two weeks to get a refund, which makes no sense when they were instantly able to take my money. Theyve been very misleading. This has caused overages with my bank because money needed for other automatically withdrawn bills could not go through.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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: AFNI INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  account # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A. Section 2 : it also states the consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I have called the phone number listed ( XXXX ) at various times to limit sharing of personal information, however, I am not able to input my choices and am told to call back at another time. There is no clear way to limit sharing of my personal information at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX, I just checked my report and Ive discovered that the items I requested for you to investigate and delete are still on my report, I am not sure what's going on but you seem to be ignoring my letters. I have been sending you letters for a couple of months now but the negative items are still there like you're completely disregarding it, I am not even getting any response from you people. I was told by a lawyer that this is a violin of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance and I am willing to take it to the next step should you continue your negligence.

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 2022-07-27 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: FL

Complaint narrative:
My name is XXXX XXXX, I just checked my report and Ive discovered that the items I requested for you to investigate and delete are still on my report, I am not sure what's going on but you seem to be ignoring my letters. I have been sending you letters for a couple of months now but the negative items are still there like you're completely disregarding it, I am not even getting any response from you people. I was told by a lawyer that this is a violin of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance and I am willing to take it to the next step should you continue your negligence.

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 2022-07-27 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: Great American Finance Co
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Great American FinanceXXXX, 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 explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cascade Capital, LLC
State: VA

Complaint narrative:
I had a motorcycle accident in XXXX and was treated in a hospital that was within my insurer 's network, but the ER doctor was not. Six months later, I received a bill for approximately {$9000.00}. I worked with the company ( XXXX XXXX ) to resolve the bill in late XXXX. In XXXX of XXXX, I was contacted by a collections agency ( XXXX XXXX XXXX ) claiming that the bill was in collections. This was posted to my credit report at the time, preventing me from engaging in my plan of buying a house. I worked with XXXX XXXX again to obtain proof that the debt was resolved. The collections agency was pleased with this proof and broke off contact. In XX/XX/XXXX, I was again contacted by another collections agency ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) attempting to collect the debt. I again provided them proof of the debt having been resolved and they disengaged. Earlier this week, I was once again contacted by a collections agency ( Cascade Receivables ) seeking to collect on this debt. It appears that, whenever I prove that I resolved my debt, the collections agency sells the debt to someone else. I feel that they are just continuing to pursue this until I give up and pay to get them off my back. 

Current case with Cascade Receivables has Reference # XXXX and Reference # XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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: PA

Complaint narrative:
TransUnion recently reported a wrong address to my credit report. 
The wrong address that needs to be deleted is : 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 explanation
Consumer complaint received 2022-07-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX, I just checked my report and Ive discovered that the items I requested for you to investigate and delete are still on my report, I am not sure what's going on but you seem to be ignoring my letters. I have been sending you letters for a couple of months now but the negative items are still there like you're completely disregarding it, I am not even getting any response from you people. I was told by a lawyer that this is a violin of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance and I am willing to take it to the next step should you continue your negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-07-27 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: FL

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-07-27 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX  XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 THIS ACCOUNT IS LINKED TO AN ADDRESS I NEVER LIVED AT.

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 2022-07-27 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: PA

Complaint narrative:
So, I asked Equifax to look into some unauthorized inquiries on my credit report. They are lines of credit that i did not apply for. I asked them to please look into this and verify and send me some type of explanation. They send me a template letter back saying that " Inquiries are factual record of file access and will remain on my credit report for 2 years ''. 
I want them removed because they are UNAUTHORIZED, and I gave NO PERMISSION to have these pulled. 

I want the following UNAUTHORIZED and UNVERIFIED inquiries removed from my Equifax report! 

XXXX XXXX, XXXX XX/XX/XXXX XXXXXXXX  XX/XX/XXXX XXXX XX/XX/XXXX I please ask that the CFPB makes this company do their job and hold them accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I applied for a credit card from Capital One and the last page, which has the final submit or apply button, stated that the applicant would have the option of accepting or rejecting the credit offer. However, after selecting the submit or apply button, I was immediately informed that my application was accepted and an account opened. None of the terms were disclosed to me prior to the account being opened and I was never given the opportunity to reject the offer. Now I must choose between closing the account, or leaving it open and not using ; unsure which action will best serve my credit score/credit worthiness. 

The important points : 1 ) None of the terms were disclosed to me prior to the account being opened 2 ) and I was never given the opportunity to reject the offer 3 ) the company lied on the online application ( i.e., stating there was opportunity to accept or reject offer of credit after approval and terms were known )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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: TX

Complaint narrative:
In accordance with the Fair credit Reporting Act, XXXX  Account : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section ( 602 ) states that I have the right to privacy. 15 U.S.C. 1681 Section 604 ( A ) Section 2 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 2022-07-27 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Byrider Franchising, LLC
State: OH

Complaint narrative:
I have a car loan through CNAC. They have consistently called me multiple times in a day. On XX/XX/22 they called me XXXX times once at XXXX, XXXX and again at XXXX pm. They have called twice on XX/XX/22 once at XXXX am and again at XXXX am and it is currently only XXXX am. I have asked them to cease all calls and communicate only through letter or email, however I have still received calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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: MD

Complaint narrative:
I disputed something with the credit reporting agency, after 30 days they did not put account in dispute which is a violation of US code 1679 ( a ) ( 1 ). 

I want this information deleted off 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 2022-07-27 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 THIS ACCOUNT IS LINKED TO AN ADDRESS I NEVER LIVED AT.

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