vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-28 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: PA

Complaint narrative:
I hope this letter finds you well. I am writing to address a concerning issue regarding the reporting of my credit history by Transunion. Specifically, I am disputing a medical debt that was charged-off and subsequently sold to another creditor, XXXX XXXX XXXX ( XXXX ). The account number associated with this debt is # XXXX. 

According to the Fair Credit Reporting Act ( FCRA ), it's essential for credit reporting agencies like Transunion to ensure the accuracy and fairness of the information they report. However, I've discovered that XXXX is inaccurately reporting a charged-off medical debt on my credit report. 

Furthermore, as outlined in 15 U.S. Code 1692j, it is unlawful to design, compile, and furnish any form with the knowledge that it would create the false belief in a consumer that someone other than the creditor is involved in the collection of the debt. Despite this, XXXX XXXX actions suggest otherwise, leading to confusion and potential misinterpretation of the debt collection process. 

Additionally, XXXX failed to provide me with an opt-out form, as required by 15 U.S. Code 6802. This omission deprived me of the opportunity to exercise my right to opt out of the information reporting on my credit report, further exacerbating the issue. 

Moreover, the Privacy Act of 1974 explicitly prohibits the sharing of patient information with collection agencies or any third party without proper authorization. XXXXXXXX XXXX disregard for this law has not only compromised my privacy but also infringed upon my rights as a consumer. 

The presence of this medical collection on my credit report has had detrimental effects on my ability to engage in financial transactions, including obtaining mortgages and extensions of credit. It has caused immense stress and difficulty for both me and my family, hindering our ability to operate fairly in commerce. 

In light of these violations and the resulting impact on my financial well-being, I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify the inaccuracies in XXXX XXXX reporting. I also urge XXXX to comply with all relevant laws and regulations to ensure fair and accurate credit reporting practices are upheld. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will work diligently to address this issue and ensure a fair resolution. 

Sincerely, 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 2024-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I had a Sears credit card ending with XXXX. I had a financial difficulty, worked something out with Sears and made a payment with agreement on the phone to pay to delete. After Sears closed down, they sold the account to a 3rd party. 
In XX/XX/2023, I saw a negative report from them on my credit report so I called the credit card to dispute it. They refused to settle but also refused to remove it from credit report. They sent me a letter stating that they are no longer attempting to collect the remaining balance on my account. They refused to acknowledge my settlement payment that I already paid to delete from Sears because they're now the new owner of the account. Please help me to have them remove the negative report from my credit report because it is hurting my opportunities to purchase a house. 
I can be reached at my email : XXXX or my cell ( XXXX ) XXXX. I give you permission to talk to my wife on my behalf as well. 
Thank you so much for your understanding. 
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 2024-02-28 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: OK

Complaint narrative:
When i called sunrise collections in XXXX XXXX  they ask me for my information, I gave them my name address and phone number. I told them the account with XXXX XXXX XXXX XXXX XXXX was not mine. They told me i need to file a dispute and they sent me a form to fill out with all my information. I did not trust them with my information, so I filed a dispute with XXXX and XXXX removed the sunrise post from my credit post. On XXXX XX/XX/2024 the Sunrise collections came back on my credit report so i refiled a dispute with 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 2024-02-28 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: TX

Complaint narrative:
The presence of this account has caused me considerable distress, to the extent that it is affecting my ability to sleep. I have provided all the necessary documentation for its removal, and I sincerely implore you to remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
My mother had a home with a mortgage through Newrez/ Shellpoint. When she passed away I took over the home and the mortgage. I was unable to pay for the mortgage but I have now tried to take over and bring the loan current and Ive called the mortgage company ( shellpoint ) multiple times and they have set me up on multiple payment plans telling me it will bring my home out of foreclosure. Since then they have canceled them after paying them. Now my home is about to be sold. I wasnt aware it was actually going to be sold because when I would call them and tell them I got notices they told me they would go away after my last payment. Ive made almost all my payments and now they said its canceled and they were keeping my money and still going to sell the house. 
They claim it was canceled because I didnt have the right paper work but they requested the paperwork necessary for the plan the first time and my lawyer sent everything asked for to them. They approved me so Im not sure how they can just all of a sudden say we need more paper work your stuff is canceled? How can they approve me for a plan if the necessary paperwork wasnt there to begin with? It seems very much like a scam and Im livid and unsure where I will be living in two weeks if this continues on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: TX

Complaint narrative:
The presence of this account has caused me considerable distress, to the extent that it is affecting my ability to sleep. I have provided all the necessary documentation for its removal, and I sincerely implore you to remove it from my credit report.

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 2024-02-28 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: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-02-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
My husband and I leased a XXXX XXXX XXXX pick-up and the lease ended. I contacted Ally financial to extend the lease for 6 months and was informed that it was approved. They sent me documents and I sent them back via fax. I have the fax confirmation that the forms went through. I am being told that the did not receive the signature page however the signature page was sent back. There was an additional signature page that was signed on a double-sided legal-size letter. This was also signed however when it went through the fax, it did not pick it up on the receiving end. Ally did in fact however receive a signed and dated signature page. 

I contacted Ally two times on XX/XX/XXXX as well as today on XX/XX/XXXX. On XX/XX/XXXX, I spoke with 3 different representatives. It was extremely difficult to hear them as there were numerous people in the background. I requested a call back for a better connection and I was informed that they can not make calls out, only in. It seemed that this was a third-party handling lease issues and it did not seem as though they were in the United States due to the bad connection. 

I planned to make the payment today as it is due for the lease extension. The payments have been made on the account. They are now telling me that they closed this and I need to return the vehicle. We are not in any position to do that at this time, and this is why the extension was filed. My husband uses this vehicle for work as he is self-employed. They are trying to take away his ability to work by forcing this issue. We were already approved of the extension. We filed for the extension due to the high prices of vehicles etc. as well as the need to save up for a down payment, we are in need of the additional time to be able to return for a new lease or purchase the vehicle. Ally Bank is discriminating against us by not allowing the additional signature page to be sent over. They did in fact receive a signature page. I am trying to work with this company, and they refuse to help us. We are not behind on the payments. 
We need immediate assistance. It is not right what they are doing to us.

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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I hope this letter finds you well. I am writing to address a concerning issue regarding the reporting of my credit history by Equifax. Specifically, I am disputing a medical debt that was charged-off and subsequently sold to another creditor, XXXX XXXX XXXX XXXX XXXX XXXX The account number associated with this debt is # XXXX. 

According to the Fair Credit Reporting Act ( FCRA ), it's essential for credit reporting agencies like Equifax to ensure the accuracy and fairness of the information they report. However, I've discovered that XXXX is inaccurately reporting a charged-off medical debt on my credit report. 

Furthermore, as outlined in 15 U.S. Code 1692j, it is unlawful to design, compile, and furnish any form with the knowledge that it would create the false belief in a consumer that someone other than the creditor is involved in the collection of the debt. Despite this, XXXX 's actions suggest otherwise, leading to confusion and potential misinterpretation of the debt collection process. 

Additionally, XXXX failed to provide me with an opt-out form, as required by 15 U.S. Code 6802. This omission deprived me of the opportunity to exercise my right to opt out of the information reporting on my credit report, further exacerbating the issue. 

Moreover, the Privacy Act of 1974 explicitly prohibits the sharing of patient information with collection agencies or any third party without proper authorization. XXXX 's disregard for this law has not only compromised my privacy but also infringed upon my rights as a consumer. 

The presence of this medical collection on my credit report has had detrimental effects on my ability to engage in financial transactions, including obtaining mortgages and extensions of credit. It has caused immense stress and difficulty for both me and my family, hindering our ability to operate fairly in commerce. 

In light of these violations and the resulting impact on my financial well-being, I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify the inaccuracies in XXXX 's reporting. I also urge XXXX to comply with all relevant laws and regulations to ensure fair and accurate credit reporting practices are upheld. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will work diligently to address this issue and ensure a fair resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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: TX

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2024-02-28 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: TX

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2024-02-28 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: CA

Complaint narrative:
Trans Union credit report will not remove an item in collections on my credit report. I have requested many times that they verify the information that is not mine and it continuously comes back as verified. I have reported and put a freeze on my credit credit and identity theft but they do not seem to care. 

I requested multiple times that this removed even provided them copies of police reports and they still do not take it off This is for merchant, XXXX XXXX for a company in which I am not associated

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 2024-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
There claim going on XXXX now it XXXX and now have never received my fund yet and bank allowing people fraud my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-28 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: TX

Complaint narrative:
It is crucial to highlight that I have no affiliation with the specified creditors and did not approve this inquiry. Please take swift measures to eliminate it from my credit report. Thank you for promptly addressing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-28 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: TX

Complaint narrative:
I have no affiliation with the listed creditors and did not initiate this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: TX

Complaint narrative:
I kindly request the removal of this inaccurate account from my credit report, as it is not linked to me and I did not consent to its establishment. I have attached the necessary documentation to support my position. I thank you for your prompt attention to this matter and for taking the necessary steps to correct this issue by removing the account from my credit report.

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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: IL

Complaint narrative:
Every month, since XX/XX/XXXX, I have notices that Mohela ( my student loan lender ) is providing an incorrect balance and inaccurate actual monthly payment to all 3 credit reporting agencies. Because, I am trying to improve my credit score, the accuracy of this information is very important. Even the XXXX XXXX monthly balance and actual payment is missing, not reported at all. I believe if all of this information was reported correctly, my credit score would be higher. 

Every month, I have had to file a dispute with all 3 credit reporting agencies against Mohela. When I contact Mohela they tell me that they are reporting the correct information. 

Only last month did I learn that Mohela is using a third party distribution center to send the updates to all of the credit reporting agencies. I believe this is were the breakdown may be happening. 

Today is XX/XX/XXXX and all 3 credit reporting agencies are still showing the incorrect balance of {$87000.00} for XXXX. I understand the reporting is one month behind, and that Mohela reports information being reported for the month of XXXX is still showing incorrectly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Autovest, L.L.C.
State: MS

Complaint narrative:
I got a car from XXXX in XXXX. I had a co-signer who agreed to help pay on this vehicle. I was laid off from my job months later and the co-signee was no longer willing to help. I spoke with XXXX XXXX and told them that I needed to return the vehicle, because I could not afford to pay it. They sent a tow truck out to pick the vehicle up and I did not hear back from XXXX XXXX about this vehicle. I received a call from my job on XX/XX/XXXX, saying that I am getting garnished for XXXX dollars from Autovest LLC. My job provided me the number to call, because at the time, I had no idea what debt I owed to have a garnishment. The number was to XXXX XXXX. The lady stated they have had my case since XXXX. I asked her to provide me with the original contract that I signed, the information on the vehicle, a copy of a valid, legal and lawful contract signed by myself and a legal representative of their lawfirm, and all documents for this debt they state I owe. I have not heard back from them.

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 2024-02-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AZ

Complaint narrative:
They sent physical mail and an email. I then went on their website and filed a complaint/dispute on the debt, as the rental company falsely charged us for damages we did not commit. This dispute was filed on the XXXX of XXXX and we never received a response. From there, I was notified that we had a collections notice added to our XXXX XXXX on the XXXX. 

I also tried to call their line to get in contact with someone, never received a response, and now have a report of debt on my XXXX XXXX, all without a single response from the debt collection company, which feels almost as if it is illegal to do something like that.

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