vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-09 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: Exeter Finance, LLC.
State: NM

Complaint narrative:
The account I am reporting is factually listed on my credit report incorrectly. The bureau is reporting file # XXXX, / Acct # XXXX, Original creditor Exeter Finance, as a Auto Loan. This account was a Credit Sale Agreement. I have the right to an accurate credit file and discrepancies like this are unacceptable. Please remove this account from my credit file immediately. In addition, In accordance with the Fair Credit Reporting everything on my credit report has to be 100 % accurate. The Credit bureaus stated my account was properly investigated but how can that be possible when the balance on the count mentioned below is not accurate. This is grounds for immediate removal of this account from my report. Also, for the following reasons, my rights have also been violated : 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, states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 c ( a ) ( 5 ) states ; no consumer reporting agency may make any consumer report containing any of the following items of information. I did not give any agency permission to share my personal information with XXXX XXXX XXXX. According to my credit report, the above account was noted as a repo. How can Exeter Finance, report late charges for a vehicle they sold at auction? This is also, grounds for deletion of this account on my credit report. According to my file, Exeter has this account as closed as of XX/XX/2023, I WANT THIS ACCOUNT DELETED TOTALLY FROM MY FILE. If this account is not removed within 7 days, I will hire an attorney and bring suit in the amount of {$15000.00}. This amount is {$3000.00} per each violation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) View full complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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: EQUIFAX, INC.
State: MN

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. 

XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX 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 explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: AR

Complaint narrative:
Received a call from ( XXXX ) XXXX as my home phone had scam alert and disconnected it after 2 rings. I notice I had 5 calls from this number since XX/XX/XXXX. I called it back because I have a delivery and thought it was them try to set up a date. 

XXXX said they were from Phoenix Finance debt collectors and asked my date birth and I said you tell me and then the said my name. They said I owed a XXXX XXXX ambulance bill from XX/XX/XXXX in the amount of {$160.00}??. I said no I don't and told them this was a scam. XXXX claimed they sent 2 envelopes to my address as I moved out of state. We have never received any envelopes or bill. I contacted my XXXX XXXX XXXX which I carry though my employer and asked the to check this. They have no record of any ambulance service or have never paid 2 payments on this claim for me for XX/XX/XXXX. I had XXXX contact this XXXX and conference us in and she reinerated that to XXXXXXXX @ Phoenix Financial debt collectors. He read me the statue of limits said this would be on our credit report, with a judgement against me and my employer. XXXX asked him with my permission to send and itemized bill and he said it could take up to 30 days. I have not received any bills ever pertaining to this and have confirmed with XXXX I do not owe this bill. I am concerned they will tarnish my credit report and affect my job with this unfounded claim. Phoenix contacted me XX/XX/XXXX, and XXXX XXXX and XXXX on my caller Id. Have never any documentation for this false claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
I received a summons from XXXX XXXX on XX/XX/23 without prior warning that they would take legal action. I have not been able to contact their office with the phone numbers provided in their correspondence. The call gets dropped whenever I attempt to call them. Im able to get through but the call always gets disconnected after selecting the option to continue in English. 
My phone number is incorrect on their website and the only way to update is by phone. 
I tried calling them on XX/XX/23 and submitted a call back request with a good number on their website. I attempted to call again on XXXX, XXXX, and XXXX. I also submitted call back requests on XXXX, XXXX and XXXX on their website. 
On XX/XX/23 at XXXX XXXX I went to their physical office located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX but no one appeared to be in the office as the lights were off. There was a notice on the door with the same number ( XXXX ) the calls were disconnected from. 
I only have 20 days to respond to this summons but I am unable to contact them to discuss my account.

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 2023-06-09 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: IL

Complaint narrative:
XXXX continues to report to the credit bureaus an unverifiable account. 

I have disputed this account multiple times with the bureaus to no avail. 

I have requested proof of this account from XXXX and have not received a response. On XX/XX/2023, I called XXXX and they confirmed there is no account in their database, yet they continue on a monthly basis to update the account. 

Failure by XXXX & the credit bureaus to notate account as disputed within 30 days of notification is a violation.

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 2023-06-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Mortgage was paid in advance through the month of XXXX and when we went to pay the XXXX mortgage we were told not only was the XXXX amount not paid but that also we owed an additional {$800.00} per month starting XXXX. Mortgage amount was {$1600.00}, and they now state it is {$2400.00} per month. We were not notified that this change would be happening until after it already happened. In addition, they initially refused to apply my payment I had already made to the premium for XXXX until after I notified them that I would be filing complaint against them. 
They are stating the amount owed is over a year old and they are just now discovering this. Per their verbiage used they are treating us like we are default on old payments, when in fact we were ahead. 
This company texts/calls/emails us on an almost daily basis because they see we have a lot of equity in our home, and they are trying to get us to refinance with them or purchase another property using the equity. We feel this " owed balance '' is an attempt to get us to default on the mortgage. We happen to be fortunate enough to have the money to cover the difference until it can be resolved but we know if they do this to us, they do this to others who can not afford it.

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 2023-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: CA

Complaint narrative:
On Friday XX/XX/XXXX at approximately XXXX XXXX time I spoke with XXXX XXXX at IQ Data in regards to my account. 

During our conversation as I asked more questions for clarity, she told me I was refusing to pay after I stated several times that I would continue to make my payments by the XXXX, but just did not know the amount yet. 

I asked if I could call back by the end of the month prior to my due date to confirm a payment. 

When I said this she launched into derogatory dialogue, indicating that I owed them {$6000.00} ; previous representatives indicated that my bill was only {$3000.00} ; and continued to used abusive language as she berated me and was verbally abusive. After XXXX 's abusive language ended she stated " I am noting your account as refusal to pay '' and ended the call. 

I have been paying on this account for close to a year ( over {$1000.00} has been paid to date ), but due to lack of work I was seeking to understand what a minimal payment would be for this month of XX/XX/2023. 

Lastly, when I asked if I could receive information in writing XXXX XXXX said " No, this is not something they do ''. 

I believe this collection company has violated my rights under 15 USC 1681. And I believe should be removed from all of my credit reports. 

IQ DATA 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. 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 2023-06-09 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC
State: FL

Complaint narrative:
XXXX XXXX has sent multiple loans into collection when they should not have been. I was enrolled as a full time XXXX XXXX, and by Law have 6 months post XXXX which was XX/XX/2021 to start payments. 

I would like the accounts removed from collections, as they were incorrectly placed there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-06-09 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: NC

Complaint narrative:
Company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2023-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/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 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Stellantis Financial Services US Corp.
State: LA

Complaint narrative:
Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorizations I the consumer may have given you written, unwritten, verbal, and nonverbal, per 15 USC 1602 effective immediately. The privacy act of 1974 explains that it is illegal to report private information. Also I have sent motionable instruments XXXX XXXX, previous to this complaint, not only did they keep the instruments but they did not reflect the payments to my account. 

This company has also been contacting me regarding a debt. I have received letter in the mail to include the one attached explaining they were going to reposes the vehicle. 

This has been really trying for my mental health as well.

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 2023-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NV

Complaint narrative:
Commencing on or around XX/XX/2022, I fell victim to multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX USD from my Coinbase account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I leased a car XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) where the car was serviced before driving off the lot. 

Unfortunately, the car has not performed well because the car requires a new engine after a month and a half of ownership. I am disappointed because after I contacted management in regards to the problems I faced, I was turned away because of assumption of negligence in filling fluids. I purchased an extended warranty but the warranty company wants me to pay for the tear down of the engine to see if they may cover it. I believe I was sold a lemon.

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 2023-06-09 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: FL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: CA

Complaint narrative:
I began getting calls from Enhanced Recovery Company ( ERC ) maybe two or three years ago at this point. During one of the calls, I asked the agent to verify if the account belonged to me and he just hung up. The calls stopped and I didn't think much of it. 

Maybe 1 month ago, I got a call from ERC. The agent asked who he was talking to and I told him who I was and proceeded to move towards getting me to pay money for a bill he was trying to collect on. I was driving at the time and the call was dropped. 

I happen to check on my credit report for a different matter and see that ERC has reported the debt to the credit bureau 's. They have never validated the account with me or sent me anything in writing to do so. 

I'm willing to bet, there's been other complaints about this company but if not this is the information about them I could find on the web : XXXX XXXX XXXX, XXXX, FL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
You are in Direct Violation of The Fair credit Reporting Act has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that I have the rights 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 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. remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
I was unable to pay my account timely due to the COVID 19 pandemic and would like the late payments reported on my credit report removed. Once my business picked up and I was able to secure additional financing, I paid the loan off completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
Received a odd collection saying I owed XXXX from our local XXXX XXXX from XXXX! I requested an itemized bill. What I received back was a very vague bill from another 3 party collector. I went to the XXXX in question they have zero records of this. They said dates are wrong no insurance is noted and there is no doctor name. They said it looks like I'm being billed for a visit from XXXX during XXXX  for the full amount not what insurance paid. Everything on it was not credible do not pay it. There is no record for this amount and no record of me attending on this day

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Wolf River Development Company
State: ID

Complaint narrative:
I borrowed {$700.00} from Fine Day Funds at the beginning of 2023. I have paid 4 payments totaling {$1100.00}, plus {$25.00} payment for XXXX with the hope of paying this month 's balance before the end of XXXX. When I borrowed the money from Fine Day, I thought it would help lower my debt by paying off two other bills, but this company has caused a higher debt to income ratio. 

Fine Day Funds is charging me {$2700.00} interest plus the original {$700.00} I borrowed, which will total {$3400.00}. This business charges extremely high interest rate at XXXX percent. Fine Day Funds customer service representative recently told me there is also a daily interest charge included in the amount. When I first applied for the loan, the customer service representative DID NOT mention the exorbitant interest rate and fees. 

There should be laws against predatory loan providers price gouging interest rate and fees. I recently found out that Fine Day Funds  is not XXXX  accredited. The XXXX has a long list of complaints file against Fine Day Funds with very lower review ratings.

Company response to consumer: Closed with explanation