vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: American Credit Acceptance, LLC
State: MA

Complaint narrative:
Have had my car loan through XXXX XXXX XXXX for a year. Through this time, it has always been through autopay. A payment was scheduled through automatic payments for XX/XX/year> as I pay biweekly in the ampunt of {$340.00}. I received a text on XX/XX/year> reminding from XXXX XXXX XXXX stating my regularly scheduled automatic payment was due on XX/XX/year>. The payment was not withdrawn even with this being an automatic service and with the funds available in there. On XX/XX/year> I received a text from XXXX XXXX stating my loan was sold on XX/XX/year> to Amerian Credit Acceptance ( ACA ) and that my autopay was canceled due to the company being sold. This was the first and only communication I have received about this transaction and still had not had any contact with ACA. I was able to get the phone number for them and called. In this call, it stated my name and information was in fact on file but my payment was past due as of XX/XX/year>. Even though I did not know my loan was purchased by them or that my autopay was canceled until XX/XX/year>. After speaking with XXXX different representatives, all located in the XXXX two of which are named XXXX and XXXX, I was informed that even with making my normal payment, they will not remove it from a past due status for reporting and that all they would do is waive the transaction fee for processing my payment. They also repossess vehicles even if you have on time payments or if you have a singular past due payment even if it was not your fault. I asked why I had not received any information for the past week about the purchase of my loan from the previous institution, let alone prior to purchase. The customer service and collections department supervisor XXXX stated they would have notified me but this did not occur at all. The previous institution which operated through XXXX XXXX has had countless phone calls from consumers with loans in the same exact situation as me. I can not make a payment to a financial institution, let alone on time, if I do not even know my car loan was sold or to whom it was sold. When I asked XXXX how can I pay my loan on time for XX/XX/year> if I did not even know ACA existed or purchased my loan until XX/XX/year>. The only response I was offered was " sorry '' and continued to argue that I had time to pay my loan before it's due date although it was purchased by ACA without my knowledge or being informed of the sale which is legally required, until a week after it was sold and after the due date had passed. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Foreclosure
Company: SN SERVICING CORPORATION
State: WA

Complaint narrative:
When I started questioning the process the servicer for XXXX XXXX stepped up their efforts to perform the foreclosure. They performed most of the requirements but missed at least 3 that I know of. I also uncovered that there is/was a most definite conflict of interest by the trustee of the deed of trust, XXXX XXXX XXXX She was/is a stockholder of the law company that represents the lender/servicer thus giving her an undeniable interest in whether my home is foreclosed upon. Furthermore, I have recently learned that XXXX XXXX was the defendant on a class action law suit in XXXX claiming that they were using predatory lending techniques and other deceptive practices on borrowers. I got my loan originally from them in XXXX and was most definitely a victim, but I was never contacted and made to know this. They continued to let me be a victim until finally now they have foreclosed on my home. I have paid them close to {$300000.00} on this loan and still to this day, according to them I still owe them {$130000.00}. My original loan was less than that. I seek remedy for this injustice as I have now been notified that they want me to vacate the property in 20 days, ( 14 left ). They have treated me very unjust and I need help to expose their fraud. Also, I should add, that I the process of foreclosure on my property they did not strictly adhere to all of Washington state laws and RCW codes specifically, RCW 61.24.040 that requires the sale be published in a local approved newspaper and that the auction take place where and when they say it will be. It did not take place, but yet the trustee sent paperwork to the county auditor stating it did and claiming ownership of my property. Im am now in such distress that I am at the verge of breakdown. Again, Please help me get the time needed to express my case to the judge. And I need to find out if I cant get any relief from the class action law suit that XXXX XXXXXXXX XXXX XXXX  settled in XXXX without claiming guilt, since I was a victim but never notified. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: EQUIFAX, INC.
State: IN

Complaint narrative:
Dear Equifax, XXXX XXXX XXXX, I sent documents to get these unauthorized hard inquiries that are still listed on my credit file. 
XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Under the FCRA law, 15 USC 1681a ( 4 ), a " hard inquiry '' or " hard pull '' is defined as any adverse action as defined in section 1681m ( a ) of this title taken by a person based in whole or in part on a consumer report. '' These hard inquiries were made without my knowledge or consent, and do not reflect any applications or requests I have made. As such, they are considered unauthorized hard inquiries under the FCRA. Pursuant to 15 USC 1681i, I am requesting the immediate removal of these hard inquiries from my credit file. Failure to do so would be a violation of my rights of the FCRA. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: EQUIFAX, INC.
State: TN

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 informationisinaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: TN

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 informationisinaccurate.

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 2024-07-05 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: NY

Complaint narrative:
I respectfully request the deletion of these incorrect personal information from my credit report, as its not up to date anymore. It is crucial that you promptly remove this incorrect personal information from my records.

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 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
To Whom It May Concern : We are writing to inform you that we have filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your company 's failure to remove debts included in our federal bankruptcy. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( a ) ( 1 ), and the automatic stay provisions under Section 362 ( a ) of the United States Bankruptcy Code, debts discharged in bankruptcy should no longer be reported as active debts. Furthermore, any attempts to report or collect these debts are prohibited immediately upon filing for bankruptcy. 

Despite our previous attempts to resolve this issue directly with Care Credit, the incorrect reporting of these debts remains on our credit report. This debt is still being reported to all three credit reporting agencies, and most notably, XXXX has continued to show the balance, late payments, and the debt to date. We expect immediate action to rectify this situation in compliance with federal law. 

Please confirm receipt of this notice and provide an update on the status of the removal of the aforementioned debts from our credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX & XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX Date of Birth Mark : XXXX Date of Birth XXXX : XXXX Last four of social for XXXX : XXXX Last four of social for 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 2024-07-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LD Holdings Group, LLC
State: NC

Complaint narrative:
I opened a {$50000.00} HELOC with Loan Depot on XX/XX/year> and was funded {$46000.00} by transfer to my checking account on XX/XX/year>. Loan Depot held a {$1000.00} origination fee and overnighted a check payable to XXXX in the amount of {$2300.00} to me even though I had explained that I had paid that debt off in full prior to closing. Consequently, I have a {$50000.00} balance with Loan Depot and a check payable to XXXX in the amount of {$2300.00} that I can not use. I am paying interest on {$2300.00} that I do not have access to. I have made numerous attempts by phone to Loan Depot to rectify this untenable situation ; however, I am always told it will be investigated and I will receive a call back within a couple days. The call back never occurs and if the agent with whom I last spoke provides contact information, they never reply to voicemails to return my call. Loan Depot employees with whom I most recently engaged ( after I started keeping records of phone calls ), XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX ( no last name provided ). 

I was asked by XXXX XXXX in XXXX to provide proof from XXXX that the debt was paid in full, which I provided to her. She never responded to me after such proof was provided. I will attach the proof provided to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: FL

Complaint narrative:
I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 explanation
Consumer complaint received 2024-07-05 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: FL

Complaint narrative:
I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXXXX/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 2024-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Torriere Holdings INC
State: TX

Complaint narrative:
This company called me regarding a debt that my relative owed. They were trying to get information on where this relative is located or if they are employed or if I had a phone number or if I could relay message to them. I tried to ask them who they were and why they were calling and they did not give me information of who they were and why they were calling. All they said was they are corporate office based out of XXXX and they are trying to get a hold of my relative for a personal matter. They did not indicate what business they were all they said was they are SRS. After investigating myself I found out that they are spire recovery solutions and they are out of XXXXXXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am extremely frustrated and disappointed with the lack of response from your bureau regarding my dispute submitted over 30 days ago. According to the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond to disputes within this time frame. However, I have received no communication or resolution. 

This delay is a clear violation of my rights under the FCRA and has caused unnecessary stress and inconvenience. I provided all the necessary documentation and details to support my dispute, yet it remains unaddressed. 

I demand an immediate and thorough investigation into my dispute, as well as a detailed explanation of why my dispute was not handled within the legally required timeframe. This inaction is unacceptable and undermines the credibility of the credit reporting process. 

Please address this issue promptly and ensure that the inaccuracies on my credit report are corrected without further delay.

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 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am extremely frustrated and disappointed with the lack of response from your bureau regarding my dispute submitted over 30 days ago. According to the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond to disputes within this time frame. However, I have received no communication or resolution. 

This delay is a clear violation of my rights under the FCRA and has caused unnecessary stress and inconvenience. I provided all the necessary documentation and details to support my dispute, yet it remains unaddressed. 

I demand an immediate and thorough investigation into my dispute, as well as a detailed explanation of why my dispute was not handled within the legally required timeframe. This inaction is unacceptable and undermines the credibility of the credit reporting process. 

Please address this issue promptly and ensure that the inaccuracies on my credit report are corrected without further delay.

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 2024-07-05 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: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I was not told my final payment needed to be made via another method. I was charged extra fees. They refused to waive and added a fee to pay off my loans final payment.

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 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-07-05 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation