vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: AL

Complaint narrative:
I am filing this complaint on Cashnet USA. My son has told them numerous times that my health has gone down and I'm unable to work anymore. The only income I'm receiving is my monthly pension pay. And yes, I get paid at the end of each month and only make {$890.00}. When I took the loan out, I had another full-time job that I was working while drawing my pension check. Since my health has gotten worse, I'm no longer able to work any full-time job. I'm not good at negotiating with the creditor and want all communication to go through this channel. Cashnet USA has reached out and is telling me they will settle with me if I make {$540.00} every two weeks. As you can see, I'm below the poverty level and can't afford that, not on XXXX a month. I need them to work out a realistic monthly payment with me. I really need it to be {$50.00} a month as I have to spend my money on medical.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD

Complaint narrative:
Nissan XXXX was totaled in accident on XX/XX/2022. Problems with XXXX claim adjusteXXXX that led to delay in them taking possession of vehicle. Nissan then claimed the vehicle in XXXX without any notification. We never stopped paying the loan for the vehicle. I finally got XXXX to step up on the claim at end of XXXX. Nissan received full payout shortly thereafter. 
In getting credit in XXXX, notated that vehicle marked on credit report as repossessed. I called Nissan and XXXX about this without much help. XXXX tried to intervene but Nissan wanted nothing to do with it. Multiple letters went to Nissan. Multiple disputed with credit bureaus but repossession still remains on credit. It devastated my credit and had hurt us financially. 
Nissan is continuing with the fraudulent claim that the Nissan XXXX was repossessed. They are standing by repossession. If this is true, they violated Maryland Law. If Nissan stands by the fact that it was repossessed, then it was wrongfully repossessed and in violation of Maryland law. According to MD Code XXXX. Repossession. Per that sections a Notice of intent to repossess must be sent at least 10 days before a credit grantor repossesses any tangible personal property, the credit grantor may serve a written notice on the consumer borrower of the intention to repossess the tangible personal property. No such notice was delivered to my address. I received no notice of redemption. Nissan never discussed or sent any documentation. I want this wrongful information removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: GA

Complaint narrative:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$630.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$490.00} ; XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

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 explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
Hi, we have issues with Citizens bank, which was previously complained in case XXXX. The company responded to that case with no useful information. They claimed that they have paid the property tax on behalf of us to XXXX XXXX XXXX XXXX but the latter said they never received it. We asked Citinzens Bank in the previous complaint to at least show us proof for that tax payment so we can use it to chase the government, but they just presented us some irrelevant docs and closed the case. We are really upset for our current situation, could you please help us?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/2023 I sent a letter to the credit company and contacted through the website to verify about three collection accounts that were on my credit report that are also hurting my credit which I have no knowledge of or doing of any sort. I asked to remove these several times through their website portal and through mail. One time I had no response second it was a verified statement which is false because I requested proof in the letter which by law I have that right under the " Fair Credit Reporting Act ( FCRA ) 15 USC 1681. And just ask they be deleted, if they can't be verified so I can pursue my goals of buying a home and car in the future ....

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 2023-11-29 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: GA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX 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 XXXXXXXX Balance : {$3500.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX  XXXX Balance : {$17000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XX/XX/2022.

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 2023-11-29 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: GA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I was sent a mail letter to my house address in XX/XX/XXXX  of a new credit Card that was opened. I have never applied for a credit card for this company ( citizens banking ) nor have I ever opened any accounts at all with this company. Ive also received suspicious email on XX/XX/XXXX  about a phone number being changed on the account. I reported the problem to the company on XX/XX/XXXX  and they verified it was reported fraud. Theyve notice that there was a savings account opened along with a credit card that has been recently applied for. I need this account to be completely removed and reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: NY

Complaint narrative:
MY SIGNATURE & ADDRESS DOESN'T MATCH WITH ANY OF THESE CREDITORS THAT'S REPORTING ON MY CREDIT REPORT. I NEED PROOF OF MY SIGNATURE, NAME & ADDRESS TO CONFIRM THE VALIDITY OF THESE TRANSACTION/S.

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 2023-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
The issue is with Mr Cooper Mortgage company. My loan was transferred by XXXX bank to Mr Cooper. I created my online account and scheduled several loan payments and additional principal payments {$630.00} {$310.00} {$200.00} {$300.00}. On XX/XX/XXXX all of my payments were reversed, The payments of XXXX and {$200.00} had already cleared my checking account. I contacted customer service, on XX/XX/XXXX, XX/XX/XXXXXXXX  XX/XX/XXXX, XX/XX/XXXXXXXX  XX/XX/XXXX, XX/XX/XXXXXXXX  as well as messaged, created online complaint tickets and emailed their investigation department with proof that the money cleared my checking account and payment was not applied to my mortgage, I got several conflicting explanation 's from customer service and also noticed one of my complaint tickets was deleted along with proof of my bank statement showing the payments to Mr Cooper. I took screenshots of all online interaction and emails

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I saw a hard inquiry on my credit report back in XXXX made by JPMCB on my XXXX and XXXX credit reports. I called all three companies to notify them that I didn't authorize the inquiry and it was not made by me. I then put a freeze on my credit with all three credit bureaus. I was told it would take 2-3 months for the inquiry to be removed by JPMCB, XXXX, and XXXX. I've recently removed the freeze from XXXX, XXXX, and XXXX. The changes haven't been made and it's been 5 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 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: IL

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Braviant Holdings, LLC
State: AL

Complaint narrative:
I'm writing this complaint because I need help to work out a solution for Balance Credit to work with me on a cheaper payment plan. When I took this loan out, I had a full-time job and was able to afford the payment. But on XXXX XXXX I had to quit my job because of my health and not able to work anymore. However, I've been drawing my retirement pension since XX/XX/. Right now I'm only making {$890.00} a month and that is one monthly payment. I'm not very good at negotiating so I need to do this through this channel. I need them to lower my payment to {$150.00} a month. So far I have been making this payment and will continue to make this payment. The loan payment is currently set to XXXX, and right now I can't afford to pay that along with what monthly bills I have to pay plus the medicine that I need for my health issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I opened an account with Capital on on XX/XX/XXXX as of today XX/XX/XXXX I have not received my debit card due to an error on their part. I was fine with this situation initially. I was using XXXX and online banking as needed to transfer money to my XXXX  XXXX XXXX account and back to pay for bills etc. today Capital One decided after I transferred my remaining balance into my checking account with them that they would lock out my XXXX access and Online Banking access. Essentially leaving my money in accessible my only option according to them is a transfer which according to them will take 3-5 businesses days. This defies common sense. It is their fault I am having to do everything through online banking to begin with because they didnt mail my card in a reasonable time frame so now I am expected to pay what will Amount to XXXX  of dollars in late fees between all my bills because they chose to lock access to my account arbitrarily because of too many logins it is their own system that requires so many logins its not like I like typing my password 30 times a day. This is a ridiculous policy which apparently they will implement but not a single employee within capital one has the ability to override even though the agree it is ridiculous. They you throw in the idea that they will gladly accept a wire transfer but my account is too new to allow a wire transfer to go out. Absolutely outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: TX

Complaint narrative:
My information was marketed and sold to unknown individuals or entities during Equifax data breach. I was in confinement in jail from XXXX XXXX  to XXXX XXXX. I have not applied for anything but 1 card since my release and there are several cards and items reporting on my credit.Several items on my credit report were fraudulently obtained by another person and I am attaching proof that Equifax acknowledges that I was a victim of their data breach. I have disputed items several times and Equifax has done nothing to help me. Please assist in deleting these negatives, inquiries and illegal items from my credit report please. I will attach the proof that Equifax has admitted that I was a victim of this data breach bye allowing me to submit a claim during there recent lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting ActXXXX XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.I told Experian, XXXX, and XXXX to reinvestigate XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
I had a problem with Navy Federal for denying me for getting a second pledge loan in my name. Now my credit score dropped for inaccurate credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: NY

Complaint narrative:
I hope this letter finds you well. I am writing to express my ongoing concern regarding an identity theft issue I reported in my initial letter dated XX/XX/2023. Unfortunately, the matter has not been resolved despite my efforts, and I am experiencing financial repercussions due to the prolonged delay. Here is my previous claim number XXXX. 

I have diligently followed the necessary procedures to fix this situation, but the lack of resolution within the past 90 days has prompted me to seek more help. According to my research, given the circumstances surrounding this identity theft case, I am entitled to compensation and data removal. 

I request a thorough review of my claim and a swift resolution to alleviate the financial strain I am currently facing. I would greatly appreciate your attention to this matter, and I am hopeful for a quick and positive outcome. 

Thank you for your time and 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 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I mailed notices to all CRAs to cease reporting transactions and experiences with several accounts listed on my credit report. They all claimed to investigate the matter. XXXX has yet to respond that they are investigating the matter which has been over 30 days as required by law that they have 30 days to respond they failed to do so. XXXX has updated my report with the results of removal of my XXXX XXXX accounts as they should. The other bureaus transunion and XXXX are still reporting an account which they should be in compliance with XXXX. XXXX XXXX, XXXX and XXXX needs to follow suit with ceasing my transactions which is a violation of FCRA and privacy.

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