vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-19 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: Exeter Finance, LLC.
State: FL

Complaint narrative:
I have always made on time payments until my step dad died from XXXX  related illness and I ended up catching XXXX  as well. Previously I would make multiple payments a month- even to principle before the pandemic hit hard I am very strategic about my credit. I also always call if I am having any hardship and keep open communication with my creditors. I ended up getting very sick and having to miss time from work. At this time I called around XXXX  payment and inquired on an extension. I was told they would send my request to a supervisor. I got so sick I absolutely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. To this day I have not fully recovered. I called back in, around XXXX  as I never received any confirmation online of my new due date. A rep told me I could not get an extension I remember telling them I spoke to someone who said I basically had gotten one. They said something about no recording being on file. I was upset and felt very confused but didn't feel well enough to escalate it. I made a XXXX payment more then my normal payment of XXXX which- I always pay more then my payment due. How unfairly I was treated because of a agents mistake or miscommunication caused me to call again about the extension later on. I mentioned how I was supposed to have an extension and requested another extension to catch up as i was under the impression in XXXX  that for XXXX I was given a month extension, as I remember being asked about my ability to back back and them sending the request. Difference is This time We did the recording right then and there and I made sure I was no longer considered behind. I recently looked at my credit with all 3 reporting agencies To my surprise I was reported for 3 missed payments which is not correct and during all these different pandemics the last thing i need is my credit to be impacted especially due to agent error and miscommunication. I have called and asked to speak to someone about removing the late payments as i never had one before this error and asked if in good will they would remove it I was told to dispute i disputed and it was updated from 3 missed payments to 4!!!! I could not get any humanity or fair treatment about this matter, I was misinformed from the beginning and this has been added stress  to my mental heath. Please remove the late payments as I made every payment before my due date or not exceeding 24 hrs of the due date, every month within the time period in question of XXXX XXXX  of XXXX  excluding XXXX XXXX XXXX as I believed I had a one month extension/deferment. It is not fair for me to be held responsible for a agent error all the late payment remarks including XXXX  should be removed. Here is only one of the many screen shots I have Im hoping we can get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: VA

Complaint narrative:
A debt collector, EOS CCA, has been attempting to collect a payment for a XXXX account that is not ours. I have repeatedly written to them requesting the information on the debt as per the Fair Credit Reporting Act. I have never received a response from them, and they continue to send letters/call about the debt. They sent the first request on XX/XX/XXXX for a XXXX account from XXXX in the amount of {$200.00}, which I responded to with a letter which they never responded to. Their second billing came on XX/XX/XXXX, which I again responded to with a letter. Their third request came on XX/XX/XXXX, which I again responded to with a letter. All correspondence is attached. We have also been getting 2-3 phone calls/day on our home phone number from a debt collector which I have not been answering. 

We had a XXXX account for this service that was disconnected in XXXX when we sold the house. All bills, including the final bill, was paid in full at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX Via Email XXXX Account Number XXXX Buyer XXXX XXXX XXXX Co-Buyer XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your Inquiry dated XX/XX/XXXX Thank you for your recent request. Listed below is a summary of your account information as of todays date. 

Original Principal Amount : {$16000.00} Payment Amount : {$180.00} Payment Frequency : Bi-Weekly Current Principal Balance : {$1300.00} Date of Last Payment : XX/XX/XXXX Current Account Status : Active Next Due Date : XX/XX/XXXX Last Reported Account Status : Active : Current Last Reported Balance : {$1300.00} Payment Habits ( Last 24 months ) : 30 days past due XXXX ( XXXX ) ; 60 days past due XXXX ( XXXX ) ; 90 days past due XXXX ( XXXX ) Bridgecrest reports to XXXX, XXXX, and XXXX XXXX. Bridgecrest Customer Service may be reached at XXXX. 

In XX/XX/XXXX, I was involved in a vehicle accident that resulted in a total loss of the vehicle. After a few months of negotiating with the insurance company, a settlement was reached in the amount of {$7500.00}. The check was sent directly to my lender Bridgecrest on XX/XX/XXXX. In addition to the {$7500.00} settlement, I also made my monthly payment of {$400.00} on XX/XX/XXXX. 

On XX/XX/XXXX, I received a letter that was very simple and easy to understand that was established by Bridgecrest notifying me of my next scheduled due date of XX/XX/XXXX. Unfortunately, Bridgecrest failed to honor the XX/XX/XXXX, due date by charging off my account on XX/XX/XXXX, due to lack of payment. Although Bridgecrest has my personal contact information, I never received a phone call, letter, or email to notify me of their intent to charge off my account. I became aware of the charge-off from an alert from XXXX indicating that my credit score has decreased. I contacted Bridgecrest to have the error corrected, but I have not been successful in my task. I decided to dispute my credit report with all three credit reporting agencies due to the inaccurate information reported by Bridgecrest. After waiting the required 30 days, I received a response indicating that the information was correct. I am not clear on the law or the rules about how each Credit Bureau collects and researches erroneous information in a dispute, but I am clear about the facts of the letter that I received from Bridgecrest advising me of my next scheduled due date on XX/XX/XXXX. XXXX, XXXX, and XXXX have all failed to remove or correct my credit report, so I am searching help from the CFPB to review the facts of the letter that I received from Bridgecrest and require all three credit agencies to remove the inaccurate information from Bridgecrest about me from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: VA

Complaint narrative:
I have received several calls from Sunrise Credit Services. Ph # XXXX stating I owe for a past due bill with XXXX. I called XXXX on a closed out account They said I have a {$0.00} balance and they never sent anything to this company. I called Sunrise back and they stated they did have an account for me but would not disclose any information until I gave the my address, SS # and such which I refuse to do. I owe these people {$0.00}. They are harassing me trying to collect $ I do not owe. 
Help CFPB!

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 2022-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Olson Associates PC
State: UT

Complaint narrative:
I took my son to the emergency room with intermountain hospital XX/XX/XXXX. My son is double insured with XXXX and XXXX. In XXXX of XXXX I did a credit check and seen that this was on my credit so I called XXXX thinking this was my fianc bill found out it was for my son. They told me there was nothing I could do since XXXX did not pay the bill now I have to. I made 2 payment under that statement and was going to pay off when I taxes. However this was sent to Olson Shaner attorney for a lawsuit. After doing some research and calling XXXX and the original debt owner I found that the bill was paid by XXXX within 3 months after this incident. I sent the call recording of XXXX XXXX saying I didnt owe the bill after months of communicating with them finally got a itemized bill showing I did not owe the bill. I also got a estimate of benefits from XXXX showing that the bill was paid as well. I then called XXXX to verify that they got the information and was told that the original bill owner is still saying I owe the bill. Im not sure what else to do at this point. I do believe this is 1 insurance fraud. 2 unfair debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: MO

Complaint narrative:
Tried to finance a vehicle and was denied due to fictitious forms, Deceptive practices and lack of a down payment when NO down payment ( Cash transaction ) is necessary nor required for a Consumer credit transaction where a finance charge is present pursuant to ( 15 U.S. Code 1605 - Determination of finance charge ) I was also provided a form falsely identifying my Credit score as a XXXX on XX/XX/2022 when that is easily proven as inaccurate. My score was XXXX until their multiple inquiries on the date of XX/XX/2022 which decreased my score to XXXX. ( see attachments provided ) This is also a violation pursuant to ( 12 CFR 1006.18 - False, deceptive, or misleading representations or means. ) ( 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 explanation
Consumer complaint received 2022-08-19 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: TX

Complaint narrative:
On XX/XX/2022 I pulled my credit repoet with experian through annualcreditreport.com and as I went through my online report I came to the personal information section where someone had broken into my online account with Experian and changed my username, password, 4 digit code, and security question along with removing the freeze I had on there. I finally spoke with a CSR about it yesterday evening and hopefully this won't happen again. The person had a California address. It is so hard nowadays to trust anyone with your personal information and when this happen with Experian I was shocked because I was trying to figure out how this was possible. I am always on top of this but I am very disappointed and upset. This was such carelessness of the credit bureau.

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 2022-08-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Marlette Funding, LLC
State: TX

Complaint narrative:
Recently in XXXX, I was shopping for a personal loan. Best Egg notified me that I was pre-qualified for the loan. I spoke with a representative from Best Egg, and decided to hold off until I decide on the loan. On XX/XX/2022, I was notified by email that loan has been " funded ''. However, I did not authorize nor sign any documents related to the loan offer. I called that following week, and explained to the representative that the loan was unauthorized and I never approved the amount to be funded. Nor did I ever sign any documents agreeing to the loan. The representative explained they will reverse the amount from my bank account, and also notify Best Egg 's fraud team that I did not authorize the loan. I explained to the representative that the loan should not be reporting to my credit or any inquiry related to Best Egg should be present. However, recently, I was notified that the loan is now being reported to my credit, even though I spoke with Best Egg, explaining it was fraud. I logged into the account online, and even after cancelling the loan after fraud, the loan still shows a XXXX balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
This is NOT A DUPLICATE and I, XXXX XXXX XXXX Social Security XXXX XXXX is filing this complaint and you call me at XXXX I'm responding to File Number # XXXX I filed a report on XX/XX/22 over 30 days ago. Also sent in a dispute to TRANSUNION. The Credit Bureaus stated that my account was properly investigated but how is that possible if the open dates are inaccurate, the date last active is inaccurate, and the date last reported is not accurate. THIS IS GROUNDS FOR REMOVAL OF THESE ACCOUNTS BELOW. They also took more than 30 days to complete the report and violated my rights under 15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions. 

THESE ACCOUNTS BELOW MUST BE DELETE FROM MY CREDIT FILE. 

XXXX XXXX US DEPT ED XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX US DEPT ED XXXX I am uploading a copy of my Credit Report. The red boxes are marked where the failure occurs.

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 2022-08-19 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: UT

Complaint narrative:
I disputed incorrect information being reported concerning an XXXX XXXX XXXX and XXXX XXXX who bought the alleged debt. 
The details of which are included in a previous complaint. Equifax continues to allow proven false information to be reported by night adjustment I have provided documents proving the information is not accurate and requesting an investigation however that investigation consisted of asking the agency if the information was accurate and of course they would say yes as they reported it. They did not ask for any documents showing the debt is accurate even after I supplied documents showing the inaccuracies. Both XXXX and XXXX removed the in accurate information. XXXX XXXX  is a preditory agency and knowingly reports false information trying to bully people into paying what they don't owe. After disputing and supplying proof Equifax should do due diligence and actually investigate if they are going to continue allowing the reported information to remain not just ask a question. The information is false and they are responsible to remove false information not ignore the proof I submitted when XXXX XXXX  has submitted nothing showing the validity nor can they I have request that information repeatedly to no avail I would be happy with the implied proof or remove from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent my request off on XX/XX/XXXX, I told the credit bureaus to " investigate every piece of information '' on the account I have listed below. 

1 ) Collection Account : XXXX XXXX XXXX XXXX Account # XXXX According to the FRCA the term " investigate consumer report '' means a consumer report or portions thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information. 

They stated the account was verified but how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on this account is still not reporting 100 % accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/2022 I requested Method of Verification from Experian regarding an ongoing dispute. As per my FCRA rights I requested a copy of the procedure, who was contacted ( I was clear that I did not want an e-oscar verification ) as the information NEVER gets updated. I have been unable to get any responses, written or otherwise from the mortgage company XXXX XXXXXXXX XXXX XXXX ) over the past 3 years of my dispute. 

Experian did NOT provide any information to me, in fact, what they did was open yet another dispute to the mortgage company with the exact same results as the past 3 years of disputes. It is clear that Experian has no intention of adhering to the FCRA requirements as it pertains to my request for information. 

I would like them to provide the requested information, or, delete the incorrect item ( which is scheduled to be deleted next year anyway )

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 2022-08-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Debt Recovery Solutions, LLC
State: VA

Complaint narrative:
This debt is from XXXX. Which I payed multiple amounts an double the amount owed. Then fell behind they contacted last year XXXX  me telling me there taking me to court an I have to pay. Being very assertive during this phone call an only tryin to get me to say I would pay. I told them no because its a illegal loan in my state which I didnt know when getting it with 299.99 % and in VA anything over 16 % is illegal an that I paid well over the original debt. so it went to collections which I have email them asking for all info like my payment history since they shut my account down an wont show what I paid. I have disputed this multiple times an they wont because they contact them tan they say everythings legit. They say I owe XXXX $ on a XXXX $ loan that I paid for multiple months. Ive told them that the original loan is illegal in my state an refuse to pay anymore of it. After they contacted me saying there a lawyer for the company. An I refused they sent it to debt recovery solutions. And they will not remove it. I have paid this debt off an some. An there still tryin to get XXXX $ On XXXX $ loan that was paid for months but is now XXXX $ I have not received a email with the info I requested to see if they can legally collect this debt. They never contacted me again after the supposed lawyer called me they sent it to collections which they never contacted me until I disputed it an they got my address. If I would have known for that year these loans are illegal in my state I wouldnt have done it. I been dealing with them for years now of calling an sending letters. I got it removed from one credit bureau but others will not an just send them my address so they start mailing letters. The letter attached is the last letter that the collections sent its roughly 8 pages. But havent send me what I asked for showing my payments made on the account even XXXX XXXX XXXX didnt they shut it down so I cant login. I have emailed them since asking for everything got no response to the email thats on the letter attached

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: HYUNDAI CAPITAL AMERICA
State: NV

Complaint narrative:
I paid off the entire loan amount for my car in XXXX of 2022. For the past 5 months, I have made a dozen calls to hyundai motor finance as well as hyundai corporate and still can not get my title or loan release letter. XXXX message boards online show many people can not get their hyundai title after paying off the balance due on their vehicle. Please see attached photo showing payoff in full in XX/XX/2022.

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 2022-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: KY

Complaint narrative:
I had over 80 small charges, many were for the exact same dollar amount on the same day ( for example {$10.00} shows on one day being charged 7 times in a row ) that I disputed with my bank, PNC Bank. 

I was given provisional credits then they reversed the provisional credits then added in a bunch of overdraft fees to take my account over {$1000.00} in the negative!!! 

I requested a copy of documentation used to make their determination ( which they said they would provide on the notices they sent in the mail ) that the charges were legit and have not received any reply whatsoever. No evidence, no call back from PNC Bank, nothing.

Company response to consumer: Closed with explanation