vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-13 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: GA

Complaint narrative:
XXXX XXXX. XXXX XXXX XXXX, TX XXXX Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you  fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX # XXXX unverified account XXXX XXXX XXXX XXXX XXXX # XXXX unverified account Bankruptcy chapter XXXX-discharge # XXXX unverified account Please remove all none account holding inquiris.

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 2019-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I paid a {$110.00} debt to XXXX XXXX directly instead of to the XXXX XXXX XXXX they used. 
I paid this in 2016. I still have it as a negative on my credit report. I worked really hard to get good credit, and neither company will do anything about erasing this. 
I called both XXXX XXXX and XXXX XXXX XXXX   XXXX agreed after looking at my account that I had paid it. XXXX will not remove this. 
Please help. 
Thank you.

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 2019-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: BTH Management
State: NC

Complaint narrative:
On XX/XX/XXXX I reached out to Plaza services about a debt that I had no prior knowledge of. The representative was VERY RUDE AND SARCASTIC. She refused to put the manager on the phone. She refused to assist me and abruptly hung up on me. I called back to get information on a debt they a attempting to collect that I have no knowledge of and a guy answered laughing in my face, put me on hold for a long time, then another person answered refusing to help me AGAIN.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 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: GA

Complaint narrative:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

Bankruptcy chapter XXXX-dismissed # XXXX Unverified public record

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 2019-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
I was told by the company I purchased the car from that my payments would be using simple interest where my interest payments would be constant. I also feel like I was taken advantage of in my situation without a car and they gave me an interest rate over 25 % that will never be paid off. I have had the loan for 3 years and I owe more on it now than when I originally took out the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the date below : XX/XX/2018 - 30 days late! 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Finco Holding Company LLC
State: UT

Complaint narrative:
I have asked the company on several occasions to only contact me through us mail or email. 
The most recent contact attempt to locate me was on XX/XX/XXXX when they called 3 of my relatives who were included in my Cease and desist and those same relatives have asked the company to not call them as well. Due to pending small claims court action through XXXX Justice Court I had requested a copy of my entire file and you will see below is a list of the companies memos made on my account from different employees, 17 different times they have made notes in my account as far as a Cease and desist account. However they continue to contact me and continue to contact my references while I have included them in my requests to not contact. They have my current information to locate me as we have ongoing litigation through the XXXX justice court, There is no reason for them to continue to contact my references when I have told them to stop. My references have also told them to stop calling. Most recent calls were on XX/XX/XXXX. I have written documentation to show my requests and the company continues to ignore those requests. 

XX/XX/XXXX Called refs XXXX XXXX w/XXXX, Asked DNC @ XXXX XXXX XX/XX/XXXX Called XXXX, I called back asked again DNC @ XXXX XXXX XX/XX/XXXX Called XXXX, asked DNC @ XXXX XX/XX/XXXX Called asked DNC @ XXXX XXXX XX/XX/XXXX Called, I hung up on the caller @ XXXX XX/XX/XXXX Company acknowledges DNC on file XX/XX/XXXX XXXX ( employee ) will talk to XXXX to see about calling @ XXXX XX/XX/XXXX email, I explain DNC only written communication thru email @ XXXX XXXX XX/XX/XXXX email, I request no phone calls or emails only XXXX  mail communication @ XXXX XX/XX/XXXX Company acknowledges Email only on my file @ XXXX XXXX XX/XX/XXXX I emailed regarding credit bureau reporting was given the wrong information entirely XX/XX/XXXX Company acknowledges DNC or email @ XXXX XXXX XX/XX/XXXX Company calls refs - XXXX and XXXX although its marked DNC @ XXXX XX/XX/XXXX I ask  again DNC me or refs @ XXXX XX/XX/XXXX Company acknowledges DNC again @ XXXX XX/XX/XXXX Company acknowledges DNC again @ XXXX XXXX XX/XX/XXXX Company acknowledges DNC again @ XXXX XXXX I have sent an email to the Branch Manager, XXXX XXXX and CC 'd her Regional Manager Mrs. XXXX addressing my concerns twice on XX/XX/XXXX and XX/XX/XXXX I received no response from either in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been a victim of Identity Theft due to a data breach. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several fraudulent accounts all of which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. I have place my dispute in with all the consumer reporting agencies via mail, yet to no avail.

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 2019-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
This toll free number keeps calling early in the morning all day and through the evening. 
XXXX. They call on my home phone @ XXXX, or my cell phone number @ XXXX. I have no idea who is calling because I do not recognize the phone number.

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 2019-05-13 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This company sent a letter to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL. I know the person that lives there and the person gave me the letter today. I asked Midland Funding to STOP sending me letters threatening me with a lawyer or possible lawsuit. My identity was stolen and I dont have any account with XXXX XXXX. The person who opened the account put a different name, MY NAME IS NOT XXXX XXXX XXXX ; that means that is not mine and I didnt authorized it. Moreover, Im asking this company to STOP any type of communication with me or my family member before I put a lawsuit against them for harrasing me. Lastly, this company has a lawsuit against them for signing affidavits illegally and fake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-13 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
This company sent a letter to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL. I know the person that lives there and the person gave me the letter today. I asked XXXX XXXX to STOP sending me letters threatening me with a lawyer or possible lawsuit. My identity was stolen and I dont have any account with XXXX XXXX. The person who opened the account put a different name, MY NAME IS NOT XXXX XXXX XXXX ; that means that is not mine and I didnt authorized it. Moreover, Im asking this company to STOP any type of communication with me or my family member before I put a lawsuit against them for harrasing me. Lastly, this company has a lawsuit against them for signing affidavits illegally and fake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-13 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: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I got a prepaid card to build credit. ALWAYS PAID ON TIME. I was never late and it fifth third reported negatively to my credit on multiple occasion late 60 days or more. Which is incorrect and a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 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: CA

Complaint narrative:
I have been a victim of Identity Theft due to a data breach. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several fraudulent accounts all of which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until  further due diligence has been performed for a reasonable conclusion has been determined. I have place my dispute in with all the consumer reporting agencies via mail, yet to no avail.

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 2019-05-13 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: CA

Complaint narrative:
I have been a victim of Identity Theft due to a data breach. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several fraudulent accounts all of which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. I have place my dispute in with all the consumer reporting agencies via mail, yet to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
MCM needs to remove their fraudulent account. No such account exists on my XXXX  or XXXX  credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: DCI Credit Services, Inc.
State: ND

Complaint narrative:
on the date of XX/XX/2016 my boss was talking to me about something, and it was payday ... i looked at my check stub and i noticed a garnishment in the amount of {$200.00} taken from my check, i had to call payroll and ask them what this was about regarding the garnishment, i asked why i never received any documentation. was never told why i never received any documentation, i was never notified, so they talked to someone about my debt, threatened them with arrest or something. i was also at my bank on the date of XXXX and saw someone talk with a bank teller asking about my information, she told him that she cant give him any information like that, he threatened to have her arrested. also on the date of XXXX at my previous employer XXXX  XXXX, a debt collector came in to my job and asked for imformation about me, which she never gave, he again threatened to have my boss arrested, also on the date of XXXX, my current employer received a call from the debt collector, later in the day they informed me that they were just " verifying something '', i asked " verifying what ''? i was never told or notified of anything, the debt collectors are : DCI credit services INC, XXXX XXXX XXXX XXXX XXXX, ND XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: IL

Complaint narrative:
i have requested XXXX company to produce any legal document that has my name instead they keep sending a statement with a third party name and reporting it on my XXXX XXXX Report and after numerous attempts and letters I only get a statement with a third party name and nothing Im requesting from them if XXXX can not produce any legal papers with my legal name with my signature they must remove this item from my reports ASAP

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 2019-05-13 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 — Was not notified of investigation status or results
Company: Phoenix Financial Services LLC
State: LA

Complaint narrative:
This company has purchased a debt that has been sold 4 times. The original creditor says they have no record of this medical debt. Ive never lived wherever this medical practice is and they have no signatures, licenses, ids or anything showing me being there. I've threaten lawsuits before and always have had the debt removed thru investigations of credit bureuas. This creditor refuses to provide me with anything proving this debt belongs to me. I have sent to letter asking for validation with no timely response. If they have no proof they legally can not continue reporting something false. 
Tracking of validation letters. 
XXXX XXXX Has not marked disputed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 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: TX

Complaint narrative:
Phoenix Financial is trying to collect a debt that doesn't belong to me I talked to one of their representatives they have my name however the date of birth doesn't belong to me, belongs to my son still they '' don't want to remove the account under my name and my ss # and is affecting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 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: SD

Complaint narrative:
I have experienced various forms of harassment by the California Government including XXXXl XXXX as a child. I am trying to remove the addresses that do not belong to me from my credit report. The address listed was initially removed and then added back by Experian. This address does not belong to me and never did. The address is associated with fraud by XXXX XXXX and members of the California Government. 

I want this address removed from my credit report. 

There is a XXXX XXXX who lives in this apartment complex as well as a family member who belongs to a weird XXXX. 

This address does not belong to me and never did under any legislative statutes.

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 2019-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
We are refinancing with another financial institution, we need our mortgage to be assigned to the new lender. We have spent hours on the Fone ( it takes 45 minutes to a full hour to be able to speak to a rep ) to get the department that handles that, but the reps answering the call dont understand what we need and is unable to get us to the right department. We had one operator that promised that we would get an email from them with the information but nothing was sent nothing was received

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 2019-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GreenSky, LLC
State: CA

Complaint narrative:
GreenSky LLC. and XXXX XXXX XXXX  of XXXX, IL. 

GreenSky at XXXX  XXXX, XXXX, GA XXXX at the time of my application of the loan clearly states in the flyer and on the phone that this loan is no interest loan for one year. This loan is in conjunction with XXXX XXXX college counseling. 
However, when the first bill came, i was charged {$240.00} interests in and {$440.00} interests in the second bill. They even sent me a letter in attempt to collect the interests. 

It is an intentional misrepresentation of the contract and an attempt to illegally change the terms of the contract. This kind of consumer lending is NOT Acceptable. 

My account number is : XXXX XXXX XXXX XXXX. I will attach the flyer and the statement and the collection letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief