vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: World Omni Financial Corp.
State: SC

Complaint narrative:
My car was repossessed without any notice of the right to cure. 

I had set up a payment via an automated phone system. Where it said I had a payment agreement in place for XX/XX/XXXX. There were not ANY OTHER prompts saying I had to make that payment online. So I thought the payment was being auto-drafted from my account because that's how it's always been done. Only to find out they never drafted the funds from my account which I was unaware of. 

As a result, I woke up this morning my car was missing. They repossessed my vehicle and now I'm trying to get it back asap. 

The company that I have this loan with is Southeast Toyota Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602, states, I have the right to privacy. 15 USC 1681, Section 604 a, Section 2, it also states, a consumer reporting agency can not furnish an account with my written instructions. Under 15 USC 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 2024-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
This account has inaccurate reporting. The company has failed to properly investigate. These accounts do not belong to me. If not resolved, I will sue for damages.

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 monetary relief
Consumer complaint received 2024-08-26 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: FL

Complaint narrative:
I just recently looked at my credit report and noticed some fraudulent accounts appearing on it. Reinvestigate and remove the accounts listed below. 

Account Name : XXXX XXXX XXXX Account Number : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report.

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 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: MS

Complaint narrative:
Recently, after viewing my credit report this account has been open and closed off each bureau within ( 8 ) days they have fraudulent open and closed this account. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the FCRA requires consumer reporting agencies ( or CRAs ) to conduct a reasonable reinvestigation to determine whether disputed information in a consumer 's file is inaccurate. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. Remove this information immediately!!! 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 2024-08-26 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: OK

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Do you know or have any idea how distressing it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

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.

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 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: NC

Complaint narrative:
THIS CREDITOR HAS WRITTEN THIS ACCOUNT AS A PROFIT/LOSS. I'VE CONTACTED XXXX TWICE PLEADING FOR THE 1099C TO BE ISSUED SO THAT IT CAN BE FILED WITH MY TAX RETURN. I'VE HAD NO SUCCESS AT OBTAINING THIS DOCUMENT AFTER NUMEROUS REQUEST. PER IRS, ONCE THE ACCOUNT IS CONSIDERED PROFIT/LOSS IT IS NOW TAXABLE INCOME FOR THE CONSUMER. 

THIS ACCOUNT IS NO LONGER VALID AND INCOME CAN NOT BE REPORTED ON TO A CREDIT PROFILE. I HAVE CONTACTED THE CREDIT REPORTING AGENCIES ATTEMPTING TO GET THIS RESOLVED. I AM REQUESTING THAT MY CREDIT PROFILE IS UPDATED WITH THE CORRECT INFORMATION, THERE SHOULD NOT BE A BALANCE. 

REPORTING INCOME TO MY CREDIT PROFILE IS IN VIOLATION OF 15 USC 1681E ( B ). THESE COMPANIES HAVE THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY TO MY CONSUMER 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 2024-08-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CCF Intermediate Holdings LLC
State: VA

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX XXXX  was listed on my credit report showing collection for late payments dating back to XXXX and a balance of & XXXX. On XX/XX/XXXX I sent them a debt validation request. On XX/XX/XXXX I received a response showing the original creditor as SpeedyCash for a debt created on XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX working and living in XXXX, XXXX, and XXXX XXXX, XXXX. Upon returning to the XXXX in XXXX, I recalled sending Speedy Cash a copy of my passport showing that I NEVER applied for any loan. 
The validation information sent from XXXX XXXX XXXX does not contain my signature, correct address, or banking account, nor an agreement showing how they became a creditor. I have filed disputes with credit bureaus and they all returned as a valid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: WI

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.

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 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
My XXXX was hacked on XX/XX/XXXX ( 2 months ago tomorrow ). I woke up the next day and tried to get my XXXX account back. The hackers manipulated my XXXX search and provided me a phone number to call. I spent approximately XXXX XXXX XXXX hours talking to them that day. They were calling me from TD Bank 's XXXX XXXX number having me send XXXX and buy gift cards to try to save my money. Then I decided to drive to the bank and when I got there I found out I was never actually speaking to anybody at TD Bank. I had a police report filled out and provided it to the bank. And since then they have done nothing. I have not received any of my money back. It seems as if they have now locked me out of my account so I can't give you the exact amount. It is close to {$1000.00}. I am the XXXX XXXX XXXXXXXX XXXX  and need my money back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MI

Complaint narrative:
Refer to Complaint # XXXX. Still not resolved by Mohela even after they acknowledged that they made a mistake. 

Mohela transitioned to a new platform in early XXXX. When my account transferred from old account to new account, a loan that I paid off is showing in my balance. It is referenced as XXXX XXXX XXXX XXXX XXXX. The loan was paid on XX/XX/XXXX. it was for a loan disbursed on XX/XX/XXXX. They payoff amount was {$45000.00} under confirmation # XXXX. Mohela has confirmed they see the payoff and keep telling me the system will update, but it has not. Interest is accruing on a paid off loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to file a complaint against XXXX, XXXX, and Experian regarding the inaccurate information on my credit reports that they have failed to remove despite my numerous attempts. 

Over the past year, I have written to XXXX, XXXX, and Experian eight times requesting that they update my credit report to reflect only my current and accurate personal information. However, despite providing ample documentation, including my driver 's license, Social Security card, and recent pay stub, the credit bureaus have failed to remove the old, outdated, and incorrect information from my file. 

Specifically, my credit reports continue to list multiple, inconsistent addresses and outdated employment and contact information that do not accurately represent my stable financial situation. This incorrect data could severely impact my creditworthiness and hurt my chances with potential lenders or employers. 

I have made every effort to resolve this issue directly with the credit bureaus, but they have been unresponsive to my concerns. The persistence of these errors is causing me significant stress and concern about the potential negative consequences to my financial standing. 

I kindly request that the CFPB intervene and compel XXXX, XXXX, and Experian to immediately update my credit report to reflect only my current, verified personal information. This includes listing my correct address, employer, and phone number, and removing all outdated and inaccurate data. 

The credit reporting agencies have a legal obligation to maintain accurate information in consumer credit files. Their failure to do so in my case is unacceptable and I hope the CFPB will take appropriate action to rectify this issue. 

Thank you for your assistance in this matter. I look forward to your response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: United PanAm Financial Corp.
State: GA

Complaint narrative:
UNITED AUTO CREDIT CO denied me an extension of credit after accessing my credit. According to 15 USC 1681a ( k ) ( 1 ) which defines adverse action, one can be denied insurance and one can be denial employment. No where within 15 U.S. Code 1601- Congressional findings and declaration of purpose, does it say one can be denied an extension of the own credit. Furthermore, 15 U.S. Code 1691 - Scope of prohibition states within ( a ) Activities constituting discrimination, It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter. Applying for credit extension using my open ended credit plan ( social security number ) through, UNITED AUTO CREDIT CO, entered Consumer and Lender into a consumer credit transaction therefore a finance charge arose. Dealership states this bank is requiring a down payment for the financed purchase of vehicle, which is not in accordance with 12 CFR 1026.4 - Finance charge. I received no disclosures regarding any adverse action, the finance charge and its cost and terms, the requirement of a down payment nor the statement of reasons as to why I've been denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I recently received a check for {$500.00} from Wells Fargo, accompanied by a brief note stating that a mistake had been made and that the enclosed amount was meant to " fix it. '' However, there was no further explanation or documentation provided to clarify the nature of the error or how it impacted my now closed/sold modified mortgage account. 

This is particularly concerning because the mortgage in question is closed and was previously modified. Why was this payment sent without any detailed information regarding the error?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I recently reviewed my credit report. I see inquiries that I did not authorize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Third party company contacted me regarding for an old account already charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX, I received an email from a representative of XXXX XXXX XXXX XXXX XXXX ) that they were unable to terminate my son 's ( XXXX XXXX  ) lease ( I was the guarantor ) despite being told otherwise by a representative of XXXX XXXXXXXX on XX/XX/XXXX. He never took possession of a unit or room. I responded on XX/XX/XXXX with my dispute and documentation by email, the response I received was inaccurate. I sent an extensive email on XX/XX/XXXX detailing my perspective on the course of events, disputing the claimed debt, but never received a reply. 

On XX/XX/XXXX, I received an emailed statement that included a " move out fee '' and contained the statement : " If you have any questions regarding your account, please email XXXX. '' I emailed that address as instructed above on XX/XX/XXXX disputing the debt, but the emailed reply I received was that my son ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX and I ( his guarantor ) had already been sent to collections. I was not allowed the opportunity to dispute the debt, or even to pay the bill I had received, since our account had already been sent to collections. 

Ultimately, I would like XXXX XXXX to change their misleading practices. They pressure XXXX XXXX to sign a lease right away by promising a sign on bonus that will expire if not taken advantage of ASAP. Then they have a guarantor sign a brief guarantor statement, taking financial responsibility. After this is when the student gets a copy of the XXXX page lease, which the guarantor never receives. The lease is unacceptable ( it states that another person, regardless of their identity or criminal background and be placed in a bedroom with the leasee. ). Once the guarantor has an opportunity to review the XXXX page lease, and if the guarantor then determines that the terms are unacceptable, the guarantor is told that it is too late to terminate the lease since the leasee ( XXXX XXXX ) has signed it and the guarantor has previously signed a generic XXXX page guarantor agreement that contained none of the specifics of the lease.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: IN

Complaint narrative:
Hi I checked my credit report and see my credit was ran thru numerous of banks for a loans thats I didnt authorize I will like for them to be remove

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

Company response to consumer: Closed with explanation