vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
XXXX  experienced homelessness and still am. Unable to pay the debt off. Unable to get a new vehicle to get back forth to employment. {$14000.00}. XXXX tried to garnish wages or come up with payment plan which I was unable to agree with.

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 2021-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: TX

Complaint narrative:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that HUNTERWARFIELD would verify the debt. So I took it upon myself to ask HUNTERWARFIELD for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves 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 2021-09-15 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: NY

Complaint narrative:
There is a bankruptcy that is appearing on my consumer report that is in direct violation of 15 USC 1681b ( a ) ( 4 ) and 15 USC 1681b ( a ) ( 2 ). It is also is not associated with me. On XX/XX/2021, I received confirmation from United States Bankruptcy Court Eastern District New York, which I have attached to this complaint. It states that there was no bankruptcy found with my information.

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 2021-09-15 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: NY

Complaint narrative:
There is a bankruptcy that is appearing on my consumer report that is in direct violation of 15 USC 1681b ( a ) ( 4 ) and 15 USC 1681b ( a ) ( 2 ). It is also is not associated with me. On XX/XX/2021, I received confirmation from United States Bankruptcy Court Eastern District New York, which I have attached to this complaint. It states that there was no bankruptcy found with my information.

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 2021-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

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 2021-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I contacted two representatives on two separate occasions in order to get this rectified at XXXX. The lease was PAID IN FULL back in XX/XX/2021 and the leasing company XXXX continue to report a balance and OPEN 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 2021-09-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I contacted two representatives on two separate occasions in order to get this rectified at XXXX  The lease was PAID IN FULL back in XX/XX/2021 and the leasing company XXXX continue to report a balance and OPEN account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I contacted two representatives on two separate occasions in order to get this rectified at XXXX. The lease was PAID IN FULL back in XX/XX/2021 and the leasing company XXXX  continue to report a balance and OPEN 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 2021-09-15 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I didn't give XXXX XXXX XXXX XXXX XXXX permission to access my credit report. I have asked them to send me a letter as to why I was denied or what it was for and they have not.

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 2021-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I, the consumer pulled my consumer report and notice some unauthorized inquiries on my report. I called TransUnion, XXXX, and XXXX  stating that the following inquiries were unauthorized. These companies are in violation of 15 U.S. Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. No consent is identity theft. Pursuant to 15 U.S. Code 1681c-2 this information should be blocked as it is a result from identity theft. Pursuant to 15 U.S. Code 1681n ( 1 ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; meaning I the consumer am owed XXXX per inquiry as each inquiry is a violation. 
I did not consent to, authorize nor benefit from any of the following inquiries. Please block and remove the following inquiries from each bureau. 
TransUnion XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2021-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect
State: NJ

Complaint narrative:
Americollect Inc XXXX XXXX XXXX XXXX, XXXX, WI XXXX ( XXXX  XXXX XXXX XXXX ) XX/XX/2021 Re : Account # XXXX XXXX To Whom It May Concern, You are hereby notified under provisions of Public Laws 95-109 and 99-361, also known as the Fair Debt Collection Practices Act, that your services are no longer desired.

Immediately cease and desist all attempts to collect the above debt. Failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission and the Attorney General of New Jersey. Civil and criminal claims will also be pursued against you and your company.

Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future.

Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by law. 

It is my policy neither to recognize nor deal with collection agencies, and I will only settle this account with the original creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: NY

Complaint narrative:
In XXXX when I changed mortgage companies from a 30 year mortgage to a 15 year mortgage Trans union dropped my score by 33 points. My payment history on cards and mortgage is impeccable and my credit utilization is low. All my balances were decreasing. 
After a dispute they raised my score by the 33 points and had no explanation. it is funny that when I canceled my paid service with them the score dropped. 
On XX/XX/XXXX they dropped it again by 33 points, with no apparent reason. I did refile a complaint, but am at a loss why it keeps dropping as my balances decrease, my payments on time. 
I also complained that there were unauthorized inquiries on my account they never responded. 
I feel frustrated and always had score in the good range, now in poor range, when I have always paid more then a creditor requested on a monthly bill. 

Any help would be appreciated. 

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 2021-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
I am currently in the process of applying to assume the mortgage on my home following a divorce. This company has made it onerous and unreasonably difficult to do so. I initiated this process in the summer of XXXX and after 6 months of going through that process the loan was sold to this company before the assumption went through. Since then I have been trying to initiate the process with LoanCare/XXXX. I am appalled at how difficult they make it for the customer ... no direct phone number to actually speak with someone in the " Special Loans '' department as the customer service agents have referred to it, leaving me the only option of repeatedly asking through customer service phone line for someone to : 1 ) send me the assumption paperwork ( which took 4 months - the first request XX/XX/XXXX ; application packet mailed to me XX/XX/XXXX ) ; 2 ) have questions answered regarding details in said paperwork ( which no one ever could since I could only speak to general customer service agents and no one from " special loans '' ever contacted me despite several requests. As a matter of fact, the customer service agents repeatedly told me that they didn't have access to a direct phone number to " Special Loans '' dept. and all they could do was " forward '' my request to be contacted to them. ) 3 ) verify that my completed paperwork and documents were received and being processed ( again, not done even though I have certified mail confirmation on XX/XX/XXXX that it was received at their XXXX, FL location ). In thorough disgust, I sent an email through their " contact us '' portal on their website XX/XX/XXXX. I received a call on XX/XX/XXXX from a woman in the " Special Loans '' dept. who confirmed receipt of my application and said it appeared that it was sent to the " Tax Department '' for reasons unclear to her. She promised to call me back that evening with an update as well as send me an email confirmation. Neither was done. Even more astounding, when asked for the direct line to her and her department she gave me ( XXXX ) XXXX - which I later discovered was a general customer service line.

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 2021-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: GA

Complaint narrative:
AFNI, INC has engaged in collection activity prior to validating a debt and has not submitted any documentation to support their claim.

I have no idea who AFNI INC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. AFNI INC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2021. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I have requested to receive notarized validation from AFNI via certified mail RR # XXXX XXXX XXXX XXXX XXXX and the company has ignored my request. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized AFNI INC as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ AFNI INC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to AFNI INC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I'm a single Mom, my daughter has an autoimmune XXXX covered by the Americans with Disabilities Act, I am sole caretaker to my XXXX year old XXXX Vet father with XXXX  XXXX XXXX and I'm about to lose my car because the lease is up and i was denied for financing because of Citibank 's inappropriate and inaccurate credit reporting. I am also recovering from being very ill with XXXX. 

Due to XXXX, I lost 50 % of my salary in XX/XX/2020. I was not making enough to even pay my mortgage- never mind food, utilities, etc. I called XXXX XXXX and they deferred my mortgage for 3 months. XXXX XXXX  XXXX XXXX deferred my loan with them for 3 months. XXXX XXXX deferred my car lease for 3 months. On XX/XX/2020 I called Citibank and asked to defer my loan for 3 months. They noted my account of my request and told me someone would contact me. I received no contact. Instead, I received a late notice. I called Citibank again. The woman I spoke with told me my XXXX and XXXX payments were late. She alleged Citi tried to reach me. I have NO messages, voicemails, etc. She told me it was a robo-call and robo-calls don't leave messages. But, she said she could defer my payments for XXXX and XXXX making my next payment due in XX/XX/2020. She also advised I could request late fees be waived when I made my payment in XXXX. 

Before I could make a payment in XX/XX/2020, I received a notice from a collection agency! Citibank sent my account to collections. This has destroyed my credit. I can not get a loan from my credit union or car financing. Prior to this, my account was in GOOD standing - all of my accounts were and my credit report was excellent. 

Citi has continually refused to help me telling me there is nothing they can do. I broke my IRA so I can pay my loan in full ( {$5700.00} ) today! But they will not help me. All I'm looking for is to pay my loan and for Citi to remove the negative reporting from my credit report. Citibank CAN Help me but they just do not care. This is a pandemic! There must be protection for me, I just need help. Please.

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 2021-09-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX  SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX TODAYE DATE:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This a recurring problem that needs to be fixed ASAP. All 3 credit bureaus dropped my credit score significantly due to a software problem in your algorithms.

What I mean is that I had 3 high balances reported One from XXXX XXXX for XXXX, XXXX XXXX for XXXX and checking plus for XXXX All 3 of these balances were zeroed out before the statement dates before the end of XXXX, 2021. 
My credit scores should be well over XXXX  across the board.

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