vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-26 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: GA

Complaint narrative:
I am disputing a collection account with XXXX XXXX XXXX. As per regulations, they are obligated to provide me with their errors and omissions policy number, the original contract, and any other relevant legal documentation supporting the collection. Additionally, I request that they delete this account from my credit report. Compliance with these requirements is crucial for resolving this matter satisfactorily and accurately. 

XXXX XXXX XXXX - XXXX Last 4 digit of SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have consistently made timely payments on this account and have never been late. I'm puzzled by the reports of late payment remarks on my accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synergetic Communication Inc
State: CA

Complaint narrative:
I was not informed by the XXXX  provider attempting to collect debt that my insurance had not paid, despite their alleged submission for payment. The amount the debt collector is demanding, {$2600.00}, differs from what the XXXX office employee had previously stated I owed, which was {$960.00}. Despite promising to get back to me, the XXXX  office has failed to do so. The debt collectors have been incessantly calling my wife 's cell phone without leaving a voicemail. After receiving numerous calls, I called back and discovered that I am responsible for the debt. However, I was never informed by the XXXX  provider that I owed anything. Each time I went in for dental work, they informed me of the portion that my insurance covered and what I was required to pay. I always paid my portion before the work was done. It is unethical for them to continue calling me in for XXXX XXXX if I owed them money. They made me believe that my insurance was covering their portion of the bill, but now it turns out that they kept that information from me, resulting in an increased bill.In addition, the debt collectors claimed to have mailed a letter to us, but it was sent to an address that we haven't lived in for almost seven years. Documents sent to me do not match and or are not complete. Also, the XXXX  care provider sharing my info is a violation of HIPAA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: FL

Complaint narrative:
I strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate accounts.

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 2024-02-26 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
My wife and I went into XXXX XXXX XXXX, and they did a soft inquiry to see if they could approve us for 0 % interest financing. When they approved me and my wife for {$1000.00} we decided we were not interested and left within minutes. Days later, I find out an account was opened in both of our names. I contacted the sales person, the store manager, and then I even called synchrony bank. They all told me the account was legitimate and would not be closed.. I had to file several disputes with the credit bureaus over and over until finally, I received letters in the mail, stating that the account was open fraudulently! 

This business is unethical! I was cussed out via text message from the sales person who illegally opened up accounts under both of our names! She ( the sales person ) committed fraud, and then synchrony bank protected them. I want answers my credit score was impacted, I looked over extended and so did my wife.

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 2024-02-26 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: WA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXXXXXX 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 2024-02-26 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: WA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Absolute Resolutions Corp.
State: MN

Complaint narrative:
About a year ago the collection agency Absolute Resolutions Investments LLC started trying to collect a debt that I settled. 
I explained that it was settled about 5 years ago. I now have a complaint summons from them, that they have started a lawsuit. I consider this harrasment and should be delt with as illegal activity by them. Not only are they violating the statue of limitation on debt they have not shown me proof of any title or assignment. They last time I paid to this card was more than 7 years ago before I started the settlement. I have seen that they have been reported to you many times for the same activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Harley Davidson Financial Services Inc
State: MN

Complaint narrative:
I am delinquent on my motorcycle payment so have decided to surrender it at my own discretion I have also been in contact with the repo agent and set things up for him to take possession of the bike he stated in a txt message that he wasnt going to meet me because Harley Davidson had charged the account off already and now the financial company wants me to drive down there again and surrender it It has cost me XXXX dollars each time I travel there and back they also continue to do hard inquiries on my credit when its already stated that I was surrendering the motorcycle this is a gross act of service

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Looking over my credit report I saw some items that I am not a consumer of, nor have I ever been. 
Please note that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed, and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof that I am legally obligated to pay you. 
Please provide me with the below mentioned things : * The amount you claim I owe you *Explain and show me how you have computed the amount *Send me the copies of any documents that prove I agreed to pay the alleged amount *Identify the original creditor *Confirm that the account has not crossed the XXXX period *Prove that youre a licensed debt collector *Show me your license numbers and registered agent.

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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/year> PenFed ( Pentagon Federal Credit Union ) sold my debt to a collection agency. I have tried to no avail to obtain a letter from PenFed confirming that they have no interest in the debt. However, PenFed is claiming that there is a {$42000.00} debt remaining after the debt was sold. It seems that PenFed is accepting money from the collection agencies while attempting to collect from the consumer as well. 

This is fraud, they are doubling dipping.

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 2024-02-26 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: GA

Complaint narrative:
I am disputing a collection account with XXXX XXXX XXXX. As per regulations, they are obligated to provide me with their errors and omissions policy number, the original contract, and any other relevant legal documentation supporting the collection. Additionally, I request that they delete this account from my credit report. Compliance with these requirements is crucial for resolving this matter satisfactorily and accurately. 

XXXX XXXX XXXX - XXXX Last 4 digit of SSN : 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 2024-02-26 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: GA

Complaint narrative:
I am disputing a collection account with XXXX XXXX XXXX. As per regulations, they are obligated to provide me with their errors and omissions policy number, the original contract, and any other relevant legal documentation supporting the collection. Additionally, I request that they delete this account from my credit report. Compliance with these requirements is crucial for resolving this matter satisfactorily and accurately. 

XXXX XXXX XXXX - XXXX Last 4 digit of SSN : 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 2024-02-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
AMERICAN HONDA FINAN, XXXX Honda Financial Services ACCOUNT XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, California XXXX To Whom it May Concern : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask AMERICAN HONDA FINAN, XXXX Honda Financial Services XXXX XXXX XXXX, XXXX, California XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commissions police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission XXXX XXXX XXXX XXXX  or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX XXXX XX/XX/1981 ss # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX fl XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
Beginning in mid-XXXX 2023, Incomm began restricting use of card funds due to new security measures. When a transaction trips their fraud algorithm, the card is declined and locked. Incomm makes no effort to resolve the card security issue by releasing the lock after a certain time period. I have several cards that I've been unsuccessful in using for weeks. 

I've been in touch with XXXX XXXX, a Specialist I, with Incomm to resolve past issues with these cards. But she has stopped replying to my emails, so I again need to resolve this with some help from a regulator. 

The card serial numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I have been restricted from accessing my TD Bank checking account and can not access my banking statements. I need bank statements for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Given the restrictions, I can not access my TD Bank online account, and TD Bank customer service will not send statements to me electronically.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Albert Corporation
State: WY

Complaint narrative:
The keep emptying my bank account every two days even though it's still a week before any payment is due. They don't give any notifications about taking money from my account seeming like theft.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have consistently made timely payments on this account and have never been late. I'm puzzled by the reports of late payment remarks on my accounts.

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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently pulled a copy of credit report and noticed credit inquiries that I have not authorized nor do I have any knowledge of. There are inquiries from creditors, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX. XXXX. I reached out to the credit reporting agencies to report this information along with getting it resolved. I have yet to receive a formal reponse I have the right to privacy and have not given any written consent for this information to be furnished to my profile, doing so is in violation of 15 USC 1681B. 

Further furnishing information to my profile due to identity theft is also in violation of 15 USC 1681 c-2

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 2024-02-26 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: IN

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

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 2024-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Healthcare Finance Direct LLC.
State: FL

Complaint narrative:
I was a client/customer of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This was a online/virtual orthodontics service that helped patients align teeth virtually. Mailing and shipping supplies and retainers with virtual correspondences with a licensed orthodontist. In XXXX of XXXX, XXXX XXXX XXXX filed for XXXX  XXXX XXXX  subsequently closing down its global operations. ALL of my patient files, images, information, medical and financial documents are not accessible any longer as the website, all accounts and the app have shut down. 
I have been noticing that the company hired by XXXX XXXX XXXX as a payment processor : XXXX XXXX XXXX, XXXX ; has been charging my XXXX card with a monthly fee of {$89.00}. I contacted XXXX XXXX XXXX XXXX and they are also very confused to these charges being that XXXX is no longer a company, and is no longer providing ANY services for billing or charging and is also in the middle of a bankruptcy case. 
XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX was the creditor and Healthcare Finance Direct LLC is the payment processor for the creditor. 
Here is a direct statement on my contract with XXXX : " Relationship of Parties. Buyer acknowledges and agrees that HFD is not a lender but rather the payment processing service provider of Provider '' I have contacted Healthcare Finance Direct twice with no avail to resolving this unethical issue. They have been very short with my on the phone. I have requested my financial records and contract to be emailed and haven't received anything. With every phone call Healthcare Finance threatens that if i cease payment, my credit will suffer! HFD has expressly stated they are only the payment processor on the behalf of XXXX, therefor, HFD has absolutely zero legal right per contract to claim they are the creditor when contract states otherwise and should NOT be billing me for a company that no longer exist and can no longer provide billable services. This is most certainly fraud and unethical practice by an LLC. Healthcare Finance Direct LLC appears to be trying to make up for money losses with XXXX with innocent customers accounts. 
XXXX has put a block on charges from this company and I requesting a refund of {$89.00} x 5 months = {$440.00} And, on behalf of all clients/patients of XXXX XXXX, a formal investigation into Healthcare Finance Direct , LLC unethical practices. 

Healthcare Finance Direct LLC : XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation