vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mercedes Benz Financial Services
State: PA

Complaint narrative:
I requested a XXXX month deferrment XX/XX/XXXX ; due to temp being laid off. Payments pickked back up successfuly as of XX/XX/XXXX. After numberous calls, vm, emails and letters. The company is reporting XXXX days late for the month of XX/XX/XXXX. i had a deferrment for the moths of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was also informed that maybe we did not get your intial request in XXXX, or it didnt land in the appropriate department ; fill put paperwork and lets see what happens. I filled out paperwork again XXXX  time. Finally I was tol to write a leter to dispute in XXXX texas about the XXXX  day latenes of XXXX XXXX that letter was writtine XX/XX/XXXX. I have yet to hear any update. I cslled merceds financial service back to inquire about my dispute letter. I was told that theres no way they can Track to see if mercedes dispiute dept in XXXX texas received my letter ; i was also told that there is no telephone number that they can provide me to see if they received my letter. I explaied to the representative, far as I know that this could be a ghost company im sendig letter too ; representative responded " pretty much '' overall, i was never late for any of my car payments since purchasing this vehicle XXXX. In addition i have been in mercedes benz the past XXXX yrs and never with any miss or late payment. I just dont undrstand why this matter can not be fixed within mercedes. i was also told by meredes to dispute with credit burea in which i did and they will f/u ; of course that never happended as well. Any assistance would be greatly appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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: CA

Complaint narrative:
This account was charged off on the following date XXXX XXXX XXXX but its stating that the last payment was XX/XX/XXXX but on my report its showing this account was charged off from XX/XX/XXXX to XX/XX/XXXX. This account is also reporting XXXX different balances. The report is stating that the original balance was {$20000.00} and its also stating that XXXX was written off as a charge off but XXXX is passed due. This account account has been repeatedly updated as charged off every month from XX/XX/XXXX to XX/XX/XXXX as if the account is still open and its reporting a balance when it should be XXXX since its reported as a XXXX off account and that is very illegal. A charge off account should NOT include an active payment history. Also this account is reporting a balance to XXXX and TRANSUNION which is illegal and inaccurate as well. This account is also stating and reporting that it was FIRST REPORTED XX/XX/XXXX but its no record of that reported on any of the accounts. The account was reported and In good standing from XX/XX/XXXX - XX/XX/XXXX and to mention again stated the last payment was made this year XX/XX/XXXX which is also inaccurate and a violation According to XXXX XXXX Transunion XXXX, XXXX, XXXX, and TRANSUNION are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts IMMEDIATELY : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2024-03-23 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: CA

Complaint narrative:
This account was charged off on the following date XXXX of XXXX but its stating that the last payment was XX/XX/XXXX but on my report its showing this account was charged off from XX/XX/XXXX to XX/XX/XXXX. This account is also reporting XXXX different balances. The report is stating that the original balance was {$20000.00} and its also stating that XXXX was written off as a charge off but XXXX is passed due. This account account has been repeatedly updated as charged off every month from XX/XX/XXXX to XX/XX/XXXX as if the account is still open and its reporting a balance when it should be XXXX since its reported as a XXXX off account and that is very illegal. A charge off account should NOT include an active payment history. Also this account is reporting a balance to EQUIFAX and XXXX which is illegal and inaccurate as well. This account is also stating and reporting that it was FIRST REPORTED XX/XX/XXXX but its no record of that reported on any of the accounts. The account was reported and In good standing from XX/XX/XXXX - XX/XX/XXXX and to mention again stated the last payment was made this year XX/XX/XXXX which is also inaccurate and a violation According to XXXX XXXX XXXX XXXX, XXXX, EQUIFAX, and XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts IMMEDIATELY : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
This company is continuing to violate my consumer rights by reporting inaccurate information about a closed account. The company that is reporting on my credit sold me a lemon car under the lemon law they sent me a letter of cancellation of debt but still trying to report negative information to the credit bureause about the debt which is another violation. I have proof to show the cancellation of debt in the description below.

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 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: MS

Complaint narrative:
My account with SELF FINANCIAL/ LEAD BANK was never late. I have had exceptional payment history SELF FINANCIAL /LEAD BANK and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment This was clearly a billing error made by the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment reported in XX/XX/2024, XX/XX/2024 to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

SELF FINANCIAL / LEAD BANK Never Sent the periodic statement along with the Disclosure from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
MCM has been making multiple calls a day to the wrong number. They have been contacting a third party person and an employee by the name of XXXX and or XXXX continues to leave multiple voicemails. It is embarrassing that now a third party person is aware that MCM a debt collection group is looking for me. I have not been reached out to by this company and I had to find out from this third party. I have not been given a fair opportunity to handle this matter and now others are aware of this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: MD

Complaint narrative:
Paid on loan each month on time, interest rate kept rising. Asked for info on why a contract to see increase. Was constantly harassed to sign up additional products and take out another loan to pay off current loan. 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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: MI

Complaint narrative:
IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS 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 non-monetary relief
Consumer complaint received 2024-03-23 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: MI

Complaint narrative:
IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Attempting to collect {$1000.00} not owed. I am not aware of this debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Issues Arising : I have a few issues here from my understanding it is clear to me that I have mailed out several letters to each credit bureau asking them to validate each account which seem to be quite a few of fraudulent and questionable accounts that is listed in my credit report. Which is inaccurate information that's reporting. The credit bureaus have received each letter that was sent certified mail it's been over 2 months and I Have yet to receive any validated updated information concerning these accounts in question. It's very clear and bright to me that these credit bureaus are choosing to ignore the laws and decide to take advantage of consumers. I can not express my frustration enough on how big of a stress it is and how much money I have lost constantly. sending out letters with no response being that I just sent out another letter. XXXX 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 Account # XXXX, has violated my rights. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

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 2024-03-23 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: CA

Complaint narrative:
This complaint is about Healthcare Finance Direct ( XXXX ). They were the payment processor for XXXX XXXX XXXX ( XXXX ) when XXXX was still in business. XXXX closed business/operations late last year. 

At that time, XXXX XXXX XXXX sent communication stating that services promised as part of the contract would no longer be honored. These services included ongoing access to XXXX, XXXX XXXX XXXX XXXX XXXX  ), and a lifetime guarantee for those services. They kept one singular page on the web stating that if you are on a XXXX XXXX  plan, which I was, to reach out to XXXX. 

I have made several attempts at contacting XXXX via email, phone calls, and certified mail requesting the name of who the creditor is now as well as a new addendum to the original contract. Part of the original contract stated that if there were any major changes to the contract, an addendum would be provided. Additionally, the contract expressly states more than once that XXXX is not the lender, but rather the payment processor and that XXXX is the creditor/lender/provider. 

After several attempts XXXX either refuses to provide the requested information, or they are choosing to ignore it. The only thing they've done is continued to threaten sending my account to collections and referring me back to the singular web page that XXXX put up which then just directs the user back to XXXX. 

The couple of times I've actually gotten someone on the phone, they proceed to threaten collection, argue, and continue to ignore the requests for the information mentioned above while also stating they don't know anything. 

The following is the dates of all contact attempts. 
Email- XXXX/XXXX/24, XXXX/XXXX/24, XXXX/XXXX/24, XX/XX/24, XX/XX/24 Phone- XXXX/XXXX/24, XXXX/XXXX/24, XXXX/XXXX/24 Certified mail- sent XX/XX//24 and signed for by a representative of XXXX on XXXX/XXXX/24

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Deficiency balance after repossession
Company: FC HoldCo LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/XXXX Flagship credit Acceptance po box XXXX XXXX, TX XXXX Dear Flagship Credit Acceptance, I hope this letter finds you well. I am writing to you today in the hopes of appealing to your goodwill and kindness regarding an issue that has been weighing heavily on my financial standing. 

In XX/XX/XXXX, due to unforeseen circumstances whereas I lost my job a few months prior in XXXX. I struggled to obtain unemployment, new employment, and pay rent which led to my vehicle being repossessed. Since then, I have taken significant steps to rectify the situation and improve my financial stability.

Despite the challenges I faced, I have started a new and secure job, a side business and have moved back home with family to create a more stable income for myself until I feel fully confident to get back out there. Through dedication and perseverance, I have made significant progress in rebuilding my financial health.

I am reaching out to you today to kindly request your assistance in removing the repossession from my credit report. I understand that it was a result of financial hardship, and I take full responsibility for the situation. However, I believe that the removal of this negative mark would greatly benefit my efforts to move forward and rebuild my creditworthiness.

I sincerely hope that you will consider my request. I am committed to maintaining positive financial habits and ensuring that I fulfill all my obligations moving forward. Your understanding and support in this matter would mean a great deal to me.

Thank you for taking the time to review my request. I look forward to a favorable response. 

Warm regards, 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 2024-03-23 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: MA

Complaint narrative:
I am writing to request proof of ownership for the account listed below, which appears on my credit report. This request is made under section 1682G ( B ) of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to consumer reporting agencies ( CRAs ) to provide accurate and complete information.

Account Information : Account number XXXX I have reason to believe that there may be inaccuracies in the ownership of this account, and I am requesting documentation that verifies your ownership and the validity of the debt.

Please provide the following documents : 1. Proof of ownership of the debt, such as a signed agreement or contract.

2. Documentation showing the original creditor and any subsequent assignments of the debt.

3. Any other relevant documentation that supports your ownership of the debt.

Please send the requested documentation to me at the address listed above. If you are unable to provide the requested documentation, please inform me in writing.

I appreciate your prompt attention to this matter and look forward to receiving the requested documentation.

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 2024-03-23 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation