vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-06 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: SANTANDER HOLDINGS USA, INC.
State: TN

Complaint narrative:
I received a copy of my credit reports, and I notice there are unauthorized credit inquiries made by CHRYSLER CAPITAL on XX/XX/2022. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiries was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act, as well as a violation of my rights to privacy. I am requesting your credit bureau and customer relations department to initiate an investigation and to determine responsible parties in these unauthorized credit inquiries. As part of your investigation, please send the names, addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing a credit inquiry ; with my signature, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 15 U.S. Code 1681j, there should be no charge for this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Random credit checks and new dispute from places I have not purchased anything from. Places like XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. I have never dealt with any of these places yet I'm being hit with derogatory marks on my credit.

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 2023-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
My parents took out a loan for XXXX over the phone which is illegal. The loan was predatory from XXXX Mortgage in XXXX. I have proof. Ocwen was paid XXXX during a modification or and know they are trying to come back again as PHH for another XXXX. I have proof and Ocwen and PHH have merged into XXXX company. I am the daughter who has the deed to my deceased parents. They are trying to make me pay the XXXX back and almost own the house. They will not accept any payments unless I sign the papers saying I will pay back the loan. I can be reached at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Security Credit Services, LLC
State: VA

Complaint narrative:
XXXX of XX/XX/XXXX I contacted Jormandy, a debt collection company I have been paying {$100.00} a month since XX/XX/XXXX for a balance owed of {$15000.00} to XXXX credit card. I asked for a deferred payment for a couple of months since I am not working and depend on my husbands income and according to my records my balance due to Jormandy is {$770.00}. My husband is in real estate and the situation with selling buying homes has left us borrowing money to pay the bills. My only income is my Social Security of {$1500.00} a month they denied my request and said that I could pay them from my SS check. I requested a balance due from them and now the balance due is {$6300.00}. 
Completely different amount than original mailed to me. 
On XX/XX/XXXX I spoke with XXXX and they informed me that I do not owed them anything, that on XX/XX/XXXX they sold my account to a debt collection company called XXXX XXXX and their phone number is XXXX. I called that number and it is no longer working and the debt collection company is no longer opened, Why do I need to keep paying if the original debt to XXXX is telling me I do not owe them any money? How can I close the account with Jormandy? Please help me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: DISCOVER BANK
State: IL

Complaint narrative:
On XX/XX/2023, I sent an affidavit of truth to the following companies regarding reporting inaccurate information to my consumer file at XXXX, XXXX and XXXX. The first complaint was sent to Discover Bank, XXXX  XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX. According to the tracking numbers that were provided in the affidavit of truth they received the information and the dispute and continue to report the errors to my credit file. The following financial institutions are continuing to violate the Fair Credit Reporting Act after I requested to exercise my right under 15 USC 1681 ( i ) ( a ) ( 2 ) ( B ) 2 Exclusions please see attached affidavit of truth.

Also, under the Fair Credit Reporting Act and the Federal Trade Commission specifically the Gramm-Leach Billey Act 15 USC 6802 Obligations with respect to disclosures of personal information and my right to opt out from credit reporting was violated by these financial institutions.

All five of these financial institutions knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non-affiliated third parties, which include XXXX, XXXX, and XXXX. They knowingly and willfully withheld information that explains how I the consumer can exercise the non-disclosure option. The following accounts are in violation of the Fair Credit Reporting Act XXXX. Discover Acct # Card ending in XXXX XXXX. XXXX  XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX Acct # XXXX XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GLA Collection Company, Inc.
State: KY

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

15 USC 1681 section 602a : States, I have rights to privacy.

15 USC 1681b : Also states a consumer reporting agency can not furnish an account without my written instructions.

This collections account is in direct violation of 15 USC 1692g, 15 USC 1692c, 15 USC 1692j, 15 USC 1681a ( 3 ), 15 USC 1681a ( 2 ) ( b ), 2021 IRS Publication 468, 15 USC 1681n, 15 USC 1681o, and 15 USC 1681e. Take this off my report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: CO

Complaint narrative:
Attempt to collect debt I dont owe

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
On XX/XX/XXXX, I received a call from MCM Midland Management LLC. I never authorized MCM to contact me, I did not give MCM this cellphone number nor the creditor whom they are trying to collect for. I do NOT wish to receive harassing phone calls to my cell number/phone. 

I repeatedly receives phone calls before XXXX XXXX  and after XXXX XXXX, I receives repeated calls throughout the day, I have asked them to stop calling the cellphone but they continue to call. 

This is a new cell phone number. I did not give MCM this cell number nor gave them authorization to call this cell phone number. 

On XX/XX/XXXX, I asked the Representative where she was calling from '? She played games on the phone not wanting to tell me MCM is Midland Management. When I asked her, " What was MCM contact number ''? She gave me my cell phone number saying it fast so I couldn't understand what numbers she was calling out. Then I realized it was my cellphone number. This is NOT a game. I want the harassing phone calls to STOP. 


MCM can't prove that I own the debt that they care calling about.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: MO

Complaint narrative:
my mortgage was sold to midland mortgage by XXXX XXXX XX/XX/XXXX, i have filed for a assumption of the loan since my name is on the title, XXXX XXXX XXXX XXXX XXXX XXXX is why im trying to assume loan, also filed for modification of loan because of that, and storm came through and took tree halfway down home insurance would nt cover that this was in XXXX of XXXX fathers day weekend, i used two house payments to have the split tree taken down and thats the only payments to mortgage i have missed, XXXX and XX/XX/XXXX, fast foward to mortgage being sold to midland mortgage by XXXXXXXX XXXX this mortgage company keeps sending me bills saying i stopped paying them, which i have bank statements saying other wise they have done nothing to my files of the assumtion packet i filed, they did send me a trial modification packet in XXXX of XXXX for XXXX dollars a month which isnt helping anyone, only to find out that FHA HAMP EXPIRED IN XXXX THIS IS A BOGUS trial modification this mortgage company is not trying to help me at all.

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 2023-03-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
I had made an inquiry online regarding a mortgage through LoanDepot. I did not authorize any hard credit inquiry on my credit report as I was not ready for that yet. I received a phone call from an agen from LoanDepot and he walked me through some of the steps and said they would do a " soft credit inquiy '' and it wouldn't affect my score and I agreed since I was not ready to move forward witht the process at that time. 

I never once, on the phone or on line, agreed t a hard credit inquiry and they one! My credit report shows a hard credit inquiry and a softy credit inquiry from them on the same day XX/XX/2023 through " XXXX ''. 

I contacted them regarding this and they are saying that I did authorize this and I absolutely did not. I asked them to pull the recording of the conversaion with the agent to prove this. 

They are saying that I authorized it and have left it at that. 

I did some research on them and it turns out that they do this a lot and I ready many reviewss with the exact same situation as I am in. 

Please help get this off my credit report and fine them and look into their practice of doing this since it seems like it has happened over and over to many other people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
An account with XXXX XXXX was opened without my permission, the company is attached to a credit card from the Barclays Bank of Delaware both accounts are reporting on my credit, I don't have any business with either company I haven't used any services or credit from either company

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 2023-03-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX  The Credit bureaus stated Account Name : XXXX  XXXX & Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Name : XXXX XXXXXXXX Account # XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report as well i have dispute as fraud with police reports and nothing has been done now we have to go by the law i have a consumer law attorney as well under 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block I asked that you comply within the timeframe To refrain from a lawsuit

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 2023-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I was affected by fraudulent and deceptive practices.

1. I was charged for a maintenance warranty service, which was added to the sales price. This illegally over capped my interest rate..

2. The car dealer documented the wrong mileage on the service contract, causing the service plan to be void. No licensed mechanic would service the vehicle. Making repairs impossible.

3. I was charged excessive add-on fees.

Due to Credit Acceptance plethora of lawsuits for fraud and deceptive practice against their consumers. I am giving Credit Acceptance a chance to correct this critical situation.

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 2023-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
Back in XX/XX/2022 the company My BJs Perks World Mastercard though Comenity Capital Bank. Had some issue with an update their company did and I had some fraud charges on my account. 

Also Because of the update they were not able to send me a replacement card. 

Eventually I got the fraudulent charges fixed and asked them to fix my credit report but that did not happen then around XXXX they were completely taken off my credit report which hurt my score over XXXX points. 

I tried to apply for a new card and got denied because It showed I still had credit with them which I still have not received a new card. 

They hurt my credit and caused a lot of stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dear CFPB Representative, I am reaching out to request your assistance in removing the fraud alert on my credit report. Despite my direct communication with the credit bureaus regarding this matter, no action has been taken. The Fair Credit Reporting Act ( FCRA ) states that credit reporting agencies must investigate and correct any inaccurate information on a consumer 's credit report. In this case, the fraud alert is an error that needs to be rectified. Therefore, I kindly request that the CFPB reach out to each of the credit bureaus on my behalf to ensure the prompt removal of the fraud alert. Thank you for your attention to this matter.

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 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX has used my credit improperly. After reviewing my credit, it was reported 2 late payments. One late payment was XX/XX/2022 and the other late payment was XX/XX/2022. In accordance with the Fair Housing Credit Reporting Act-XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602A, States I have the right to privacy. 15 U.S.C 1681 Section 604A section 2, states consumer reporting agency can not furnish a account without my written instruction.

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 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX has used my credit improperly. After reviewing my credit, it was reported 2 late payments. One late payment was XX/XX/2022 and the other late payment was XX/XX/2022. In accordance with the Fair Housing Credit Reporting ActXXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602A, States I have the right to privacy. 15 U.S.C 1681 Section 604A section 2, states consumer reporting agency can not furnish a account without my written instruction.

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 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: TX

Complaint narrative:
I was checking on my credit report when I found out that there are so many incorrect information, and unverifiable information being reported in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Re : Disputing errors on credit report To whom it may concern : I am writing to request a correction of the following information that appears on my credit report as of today XX/XX/2023. This information is fraudulent, and I did not make nor authorize for my credit to be assessed. I am the victim of identity theft and do not recognize these accounts. I am requesting that my report be updated immediately to reflect removal of the following accounts and inquiries 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 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 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please remove all fraud alerts and extended fraud alerts from my profile

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 2023-03-06 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: AL

Complaint narrative:
Random credit check and find out that my score has gone down because of accounts I have no knowledge of. From places like XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, none of these places attached to them I have used ever. I've tried several times to have removed and no results.

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