vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-04 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: MI

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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: NY

Complaint narrative:
I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 


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 non-monetary relief
Consumer complaint received 2024-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: CA

Complaint narrative:
Today XX/XX/year> I was sending a payment to recipient XXXX  of XXXX XXXX dollars and when I went to the confirmation the name had changed to a different recipient that I never pressed. I tried cancelling and it didnt let me, then I called and they were no help. I need my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I disputed this account before and it came back as verified. I reached out to the debt collector and they said this account would be removed. You still have not removed it from my credit report. You are being negligent and need to remove this immediately. I will enclose a copy of this complaint. 

Collections XXXX Account # 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 2024-11-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
I got a notice of a collection reported to my credit report. I disputed it and they said it was valid. Through XXXX  I asked them to validate the debt or remove from all XXXX credit reports. I do not know who this company is and they have no authorization to report. I do not have a contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LOBEL FINANCIAL CORPORATION
State: TX

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose f

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX I have done a very good investigation of my credit report. My identity was stolen years ago. This is not my account I have hired an attorney for a lawsuit on all credit bureaus on my XXXX none of these accounts are on there. I need this removed from my credit report ASAP. 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 XXXX XXXX XXXX XXXX and XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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. 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 explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Westlake Services, LLC
State: AZ

Complaint narrative:
I fell behind on my loan, I know for a fact that I've never been 30 days late. If i know I can't make my payment I usually set up a deferment. Granted my last payment was XX/XX/year> of XXXX Westlake usually sends out an email advertising " that they're here to help '' offering a payment extension and for XXXX and XXXX. I do not have the exact date I called for an extension but it was offered and supposedly denied which has never happened to me. I receive a notice dated XX/XX/year> saying I was in default. So I'm going to assume I made the call before that day and before the due date of XXXX Westlake XXXX that they called me multiple times and even reached out to a job. I have no records of incoming calls from Westlake. If you could please provide a number that you call from so I can look. As I explained to the rep why I was falling behind, that I was in an accident. Which made me depleted my savings to keep a roof over my children 's head. After just totaling my motorcycle and recently cleared to go back to work. I walk outside and my property is missing. To be honest I didn't pay attention to the letter because I just made the deferment. I feel that you did not contact properly do to the situation a second letter could've been mailed out or even a voice message. Now your charging me all dues up front plus repo fees, on top of past repo fees that I already paid for, Late fees and XXXX fees is a little extreme and the fact I no longer have Gap insurance and the cheque was credited to the principles account that's odd. but nevertheless I do have a couple attachments, you are here now put on notice I, XXXX XXXX XXXX XXXX, hereby revoke any and all powers granted to Westlake financial services and XXXX XXXX XXXX concerning the title, registration, or any other actions related to the vehicle described above with the XXXX XXXX XXXX XXXX  ( XXXX ). This revocation is effective immediately, and I've also requested that XXXX cease any recognition of Westlake or XXXX as having authority over the aforementioned vehicle. You are now put on notice of Notice to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates ; XX/XX/scrub>XXXX  I'm now requesting you investigate this account and update these payments to paid on time immediately. 
Thank you for your understanding and prompt action.

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 2024-11-04 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates ; XX/XX/year>. I'm now requesting you investigate this account and update these payments to paid on time immediately. 
Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Peer Advisors, LLC
State: IL

Complaint narrative:
Sent notice of intent and requested appraisal for parent 's home ( reverse mortgage ) to Novad XX/XX/XXXX. Novad appraised property on XX/XX/XXXX. Novad told me after the appraisal was complete they would send me the appraisal, so that I could submit an offer for 95 % of the appraised value. I contacted NOVAD via phone and email, unsuccessfully, numerous times to get the appraisal so that I could move forth. I got no response from NOVAD. I assumed they had shut down due to the mandated COVID 19 government shut down. I continued calling and finally talked with XXXX XXXX - NOVADXXXX in XX/XX/XXXX and he finally sent the appraisal XX/XX/XXXX, He stated that our case fell through the cracks and HUD will not honor XXXX XXXX appraisal. I was denied the opportunity to act on the initial appraisal due to no fault of my own. Had to start over and get a current appraisal which is {$60000.00} more than the original. I have been disenfranchised due to NOVADS 's & HUD 's negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: MA

Complaint narrative:
In Accordance with Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC-1681. 

1. Us dept of education XXXX : account number n/a Equifax : account number n/a 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( A ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of these following items of information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Lennar Financial Services, LLC
State: AZ

Complaint narrative:
Hi, I have brought a new house no XX/XX/XXXX, the initial lender was Lennar Mortgage. Monthly payment as of signed documents is a total of XXXX ( XXXX interest and principal, XXXX property tax, XXXX hazard insurance, XXXX mortgage insurance. ) Lennar mortgage sold the mortgage to XXXX XXXX  on XX/XX/XXXX, and the mortgage payment changed to XXXX ( XXXX interest and principal, escrow impound XXXX ). XXXX XXXX mentioned they have this values based on XXXX of the other document ( not signed ) shared by Lennar mortage which calculates the property taxes wrong. 

I have reached out to Lennar mortgage since XX/XX/XXXX XXXX email multiple times, every time I get a response of they have escalated the fix to XXXX XXXX, but there is not progress so far.

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 2024-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I am being charged 23.99 % APR on the Cash advances that I pulled from this account. I understand I owe this finance charge for getting a Cash Advance. But the problem I have is that this monthly Finance Charge is being added to the Balance of Cash Advance to calculate the new interest amount at 23.99 % owed for the following month! Is this legal? The last time I pulled a Cash Advance was more than 12-months ago, yet my Cash Advance Balance continues to grow because they are adding the monthly Finance Charge amount to the bucket of Cash Advance to calculate the following months 23.99 % Interest owed. It has grown by almost {$2000.00}. I would like an explanation of why they are adding the Finance Charge to the Cash Advance bucket that calculates the interest at 23.99 %.

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 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX Balance Owed : {$0.00}

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 2024-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Do not believe that the debt that is reported on my credit report is valid

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be updated from my file right away XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: GA

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

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 2024-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Email : XXXX XX/XX/year> SPRING OAKS CAPITAL LLC XXXX XXXX XXXX XXXX, VA XXXX Phone : ( XXXX ) XXXX Subject : Cease and Desist of Unlawful and Harassing Communication Dear Sir/Madam, I am writing to formally demand that SPRING OAKS CAPITAL LLC immediately cease and desist all forms of communication regarding any alleged debt that I do not acknowledge as valid. 

Despite previous efforts to resolve this matter, your company has continued to contact me in an unwarranted and harassing manner. These actions violate my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, et seq.

Effective immediately, I demand that all further communication from SPRING OAKS CAPITAL LLC to mewhether by phone, email, or mailwill be treated as harassment and reported to the relevant legal authorities. I reserve the right to pursue legal action if this request is ignored. 

This letter serves as formal notice of my demand. I expect written confirmation within 10 days that SPRING OAKS CAPITAL LLC has received and processed my Cease and Desist request, and that no further contact will be made unless through legal representatives. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation