vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-17 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: MA

Complaint narrative:
I 'm filing a complaint against XXXX for predatory lending practices. I was approved for a loan to finance the remaining amount due for a lease buyout. Then I get a message saying they ca n't get me the loan because I no longer reside in the state in which the car is housed, registered and driven ( by my mother ). That fact is fine, but why run my credit and go through the whole process that took 3 weeks if you knew that it was n't going to work? Why tell me that I was approved? Negligence and incompetence. 

Then I was told that I needed my mother to be on the loan application. Fine. I told them that my mother does n't speak English well. They called her and completed the application. Then I find out from her we were approved and that I have to sign papers. What the XXXX is going on? I 'm the primary borrower and NO ONE spoke to me about the different loan options. NO ONE talked to me about terms. And they " finalize '' a loan with the secondary borrower that does n't speak English well, is XXXX and does n't understand credit. I work in XXXX. This is unacceptable and CRIMINAL. 

The person below is who responded to my first complaint and is responsible for setting this new process in motion. 

XXXX XXXX Floor Supervisor XXXX, powered by Ally O : XXXX F : XXXX XXXXXXXXXXXX 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 2017-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK
State: GA

Complaint narrative:
This account is showing up as open and it needs to be closed : Partial account number - XXXX Address identification number - XXXX Discover XXXX, DE This account was the result of identity theft. Remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I spoke with a rep after XXXX/XXXX/XXXX with XXXX. The rep advised that the request on XXXX/XXXX/XXXX was received and confirmed that my request was pursuant to my rights afforded by FCRA 611. The rep advised that although pursuit to my rights by FCRA none of the accounts included on my request were verified with my original contract or identification provided at the time of applying because those companies are n't required to do that. I advised the agent that per my rights afforded to me by FCRA credit reporting agencies held the responsibility to verify anything added to my report with the original contract. The agent then went to advise that although you did not complete your steps as a credit reporting agency you did not remove unverifiable accounts from my file. The information in response to my complaint it states, " For public record information, TransUnion or a third-party we hire will check the applicable local, state and federal court records to verify the accuracy and/or completeness of the information reported. Once the verification responses are received, they are reviewed and the disputed information is updated accordingly. Changes made to your credit report are reflected on the investigation results that are sent to you at the conclusion of our investigation. '' This does not correlate with the information provided by the representative who confirmed TransUnion did not get proper verification under FCRA 611 and provide me copies. It also does n't correlate with the representatives advisement that the accounts were not deleted.When i first reached out to TransUnion regarding a copy of my report and the proper steps to take regarding my disputes I was then advised that for public record information, TransUnion or a third-party we hire will check the applicable local, state and federal court records to verify the accuracy and/or completeness of the information reported. Once the verification responses are received, they are reviewed and the disputed information is updated accordingly to FRCA and other laws thought were included with my report titled YOUR RIGHTS AS A CONSUMER. According to the information confirmed by your agent that had not been done and a copy of the verification documents ie ; original contract, proof of identity, and/or updated credit report was not received by mail.

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 2017-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I had my identity stolen in XXXX XXXX and a number of fraudulent credit inquiries appeared on my credit report. The only remaining credit bureau that has not removed these fraudulent inquiries is Equifax. I have called Equifax and they still have not corrected all fraudulent inquiries. Below are all the online disputes I have submitted to Equifax and still there is no action from them. I 've called the companies associated with the credit inquiries and they have sent Equifax multiple letters to remove the inquiries due to fraudulent activity. Equifax still does not remove the remaining fraudulent inquiries. 

Here are all the disputes I have filed to Equifax since XXXX XXXX and Equifax still fails to resolve this issue : XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Delivered Online XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Delivered Online XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Delivered Online XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have contacted all three bureaus for the past 5 months in reference to several fraudulent request for credit that showed up on my credit report in the inquiry field. There are over 15 inquiries within this 5 month span and this was not authorized by me the consumer. I have called them numerous times, i have filed a police report, i have submitted documentation and letters to them advising the information was fraudulently requested with my personal information after my identity was compromised. 

My entire credit file with XXXX was compromised and was showing up with me as being XXXX. Equifax had many security breaches and this bureau was assessed along with XXXX. 

With all the security breaches with the bureaus, you would think their customer service would have improved but nothing has occurred at all. 

I need some assistance in this matter as it negatively affecting my credit file. I have a fraud alert on my credit file, a credit freeze, and regularly visit the sites to see if anything has happened. 

Please provide some assistance in this matter. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
receiving numerous debt collection letters from LVNV XXXX XXXX XXXX XXXX XXXX XXXX I do not owe them money, they claim they purchase debt from XXXX but will not provide debt validation letter. 
I do not want a copy of contract with XXXX. I owed XXXX but not LVNV I need transfer or assignment of transfer to LVNV. 
they have violated the FDCPA Act please review the attached letter and documents

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 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: Danco Financial Services, LLC
State: IL

Complaint narrative:
I submitted a police report in XXXX stating that my wallet turned up missing and that I was being bombarded with inquiries and accounts from Georgia. The 3 accounts that should not be on my account are XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX. These accounts were opened in varying parts of Georgia and all were reported repossessed. I have called. I have written letters. I have submitted police reports. Years later these 3 accounts still plague my credit report. XXXX still came back claiming they had a contract signed by me for XXXX XXXX XXXX. This was not me. This credit reporting agency has not been helpful at all in the clearing of these 3 accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: TX

Complaint narrative:
On XXXX/XXXX/XXXX I received an alert stating Penn credit Corp has reported a potentially negative item on my  XXXX credit report. 

On XXXX/XXXX/XXXX I placed a call to Penn Credit Corp and the representative was not able to locate any information.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I submitted a police report in XXXX stating that my wallet turned up missing and that I was being bombarded with inquiries and accounts from Georgia. The 3 accounts that should not be on my account are XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX. These accounts were opened in varying parts of Georgia and all were reported repossessed. I have called. I have written letters. I have submitted police reports. Years later these 3 accounts still plague my credit report. Equifax still came back claiming they had a contract signed by me for XXXX XXXX XXXX. This was not me. This credit reporting agency has not been helpful at all in the clearing of these 3 accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 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: Dealer Funding, LLC
State: IL

Complaint narrative:
I submitted a police report in XXXX stating that my wallet turned up missing and that I was being bombarded with inquiries and accounts from Georgia. The 3 accounts that should not be on my account are XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX. These accounts were opened in varying parts of XXXX and all were reported repossessed. I have called. I have written letters. I have submitted police reports. Years later these 3 accounts still plague my credit report. XXXX still came back claiming they had a contract signed by me for Dealer Funding LLC. This was not me. This credit reporting agency has not been helpful at all in the clearing of these 3 accounts.

Company response to consumer: Untimely response
Consumer complaint received 2017-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have contacted all three bureaus for the past 5 months in reference to several fraudulent request for credit that showed up on my credit report in the inquiry field. There are over XXXX inquiries within this 5 month span and this was not authorized by me the consumer. I have called them numerous times, i have filed a police report, i have submitted documentation and letters to them advising the information was fraudulently requested with my personal information after my identity was compromised. 

My entire credit file with XXXX was compromised and was showing up with me as being deceased. XXXX had many security breaches and this bureau was assessed along with Transunion. 

With all the security breaches with the bureaus, you would think their customer service would have improved but nothing has occurred at all. 

I need some assistance in this matter as it negatively affecting my credit file. I have a fraud alert on my credit file, a credit freeze, and regularly visit the sites to see if anything has happened. 

Please provide some assistance in this matter. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have contacted all three bureaus for the past 5 months in reference to several fraudulent request for credit that showed up on my credit report in the inquiry field. There are over XXXX inquiries within this 5 month span and this was not authorized by me the consumer. I have called them numerous times, i have filed a police report, i have submitted documentation and letters to them advising the information was fraudulently requested with my personal information after my identity was compromised. 

My entire credit file with Experian was compromised and was showing up with me as being XXXX. XXXX had many security breaches and this bureau was assessed along with XXXX. 

With all the security breaches with the bureaus, you would think their customer service would have improved but nothing has occurred at all. 

I need some assistance in this matter as it negatively affecting my credit file. I have a fraud alert on my credit file, a credit freeze, and regularly visit the sites to see if anything has happened. 

Please provide some assistance in this matter. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Van Ru Credit Corporation
State: MD

Complaint narrative:
1 ) On XXXX XXXX, 2017 at approximately XXXX XXXX I was contacted by an individual who fail to identify himself, who I later learned was calling on behalf of Defendant, Van Ru Credit Corporation, the individual also failed to identify the subject of the call, and asked to speak to my infant child. I informed this individual that she was a minor. 
2 ) The individual who called then hung up on me. 
3 ) My wife called the phone number from which the distressing hang-up call was made and asked for more information. 
4 ) At that time the representative acknowledged that they had failed to provide the FDCPA required language and failed to do due diligence to determine the validity of the debt. 
5 ) My wife then requested documentation of the debt and was informed that as guardian of the minor  child I was not entitled to documentation of the debt. 
6 ) That Van Ru, through their agent, XXXX XXXX acknowledged that call should never have been made. Van Ru proceeded, through their representative, to admit to an FDCPA violation. 
7 ) They asserted that they knew that my baby was a minor when the phone call was placed, but Defendant placed the phone call anyway. They asserted that this occurred because the paperwork on the alleged debt did not indicate a financially responsible person. 
8 ) That at the end of the telephone conversation I still did not know what debt Van Ru is attempting to collect, and Van Ru indicated that pre-judgement interest will accrue until the alleged debt is paid.

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 2017-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have tried on at least two occasions to have credit inquires that I am unfamiliar with removed from my credit report. However, the major bureaus state that there is nothing they can do about it. 

Equifax, XXXX & XXXX : XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX Equifax : XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.

Complaint narrative:
I purchased a XXXX XXXX XXXX in XXXX of last year ( XXXX ) due to my other car being totaled in water damage. At the time I was able to manage the payment but as time progressed on my funds became limited and I could not afford that high of a car payment and still take care of my family. I eventually started making payments, not full payments. But payments to the point it would look like I was trying to work the balance down. A few months later I decided to try and get out of the car because it was to high of a payment for the size car and had and I was not satisfied with it. Did n't feel comfortable paying for a car that was n't suiting me and my family. 
I contact Chrysler Capital and told them I wanted to do a voluntary repossession because I was unable to maintain the car payments at that time. This was in XX/XX/XXXX. They at that point decided to tell me they could put my current balance due on the end of my loan to help me get caught up and be current on the loan. But I declined, cause the problem would still be there. So we processed the voluntarily repossession. I was told that they would sell the vehicle by XX/XX/XXXX and I would be responsible for the remaining balance. Which I okayed because I figured the care would be sold for the most of what was owed since it was still new and had very little miles on it. 
What I was not told was that if I failed to pay the difference it would still accumulate late fees, more payments, and affect my credit. When I surrendered the vehicle, I new that I had a balance left that was roughly {$800.00}. Which was about a payment and XXXX behind. I was not under the impression that they would report negative information to the credit bureaus like I still own the vehicle and was just refusing to pay. My monthly payments for this loan was {$470.00}. When they sold the car in XXXX the balance left was {$8600.00}. Ever since then they have been reporting negative information to my credit report such as a refusal to pay and accumulate monthly charges as if I own this vehicle. They have not called or sent any communication through the mail to me to try and settle this debt to a point where we both are satisfied. If a settlement offer does come around, I will not agree to no more than what debt I left unpaid when the car was picked up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have tried on at least two occasions to have credit inquires that I am unfamiliar with removed from my credit report. However, the major bureaus state that there is nothing they can do about it. 

XXXX, Transunion & XXXX : XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX/XXXX XX/XX/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 2017-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have tried on at least two occasions to have credit inquires that I am unfamiliar with removed from my credit report. However, the major bureaus state that there is nothing they can do about it. 

XXXX, XXXX & Experian : XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX/XXXX XX/XX/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 2017-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RFNA, LP
State: SC

Complaint narrative:
Republic Finance posted the payoff of this account, which was a check from my credit union, the day after the payment was received. Ultimately, this resulted in a 30 day late payment, which was the only payment ever reflected as 30 days or greater on this account. This is a blemish on my credit report, and it limits the availability of credit to me or the interest rate of credit available to me. In an attempt to resolve this, I called Republic a few months ago, and they stood firm.

Company response to consumer: Closed with explanation