vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Accounts : XXXX XXXX XXXX  XXXX XXXX ; Account # : XXXX XXXX  XXXX ; Account # XXXX XXXX  ( XXXX  XXXX XXXX ) ; Account # XXXX XXXX  XXXX XXXX ; Account XXXX XXXX XXXX XXXX, XXXX ; Account # XXXX Pursuant to 15 USC 6802 this is an official document to opt out the furnishing, publishing, and communication of all information regarding these accounts. Pursuant to 15 USC 1635 this is an official document to exercise my right of rescission, XXXX XXXX XXXX for any contract, transaction, information, and my signatures associated with these accounts. Pursuant to 15 USC 1692c communication in connection with debt collection, this is an official cease and desist letter to stop all communication, furnishing, information and attempts at collecting for these fraudulent accounts. This is an official request and instruction to remove and delete all information regarding these accounts. I dispute under 15 USC 1692h all letters that these companies sent me have been abusive in some form or faction and these companies cant present evidence, whether they call themselves a creditor, third party debt collector or whatever, under federal rules of particular procedures 28 USC 3002 including 18 USC 8, if they're not a United States Attorney General or assisting the United States Attorney General, if they dont have litigation authority from a federal agency to collect a debt then this company is a private attorney. Cease and desist all communication and information regarding this account until they can present evidence of a contract to collect services in accordance with 31 USC 3718. Show me that they have established a contract with the treasury to collect debt, if not, then these companies are using abusive debt collection practices. Pursuant to 15 USC 1692g I submit that I no longer validate these alleged debts until they can show me evidence of the journal or ledger entries that shows that more debt exceeds the amount of credit gained on the account. I allege that these corporations have gained 9-10x the amount of debt established. If thats the case, then according to the Generally Accepted Accounting Principles I allege that I dont owe a debt and this information violates my consumer rights. These companies have been contacted and these companies information violates FDCPA and FCRA requirements. I am the original creditor. I am the consumer.

Please Delete, Remove and Block All Information Regarding These Accounts Immediately.

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 2021-09-14 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Reliable Credit Association, Inc.
State: WA

Complaint narrative:
On a weekend not during business hours Reliable Credit made multiple attempts to contact me regarding collecting a debt. I informed them several times that I would be making a payment when the money was available. I am a fully permanently XXXX vulnerable elder adult. I receive very limited XXXX funds. I am already in direct contact with Social Security XXXX  regarding a possible error on their interpretation of reported income in XXXX and XX/XX/2020 in the XXXX XXXX  XXXX  XXXX isolation after I was laid off from the U.S. Census Bureau 2020 contract and PT work. At this time there is a pending investigation and at the time of Reliable Credits repeated attempts to collect a debt more than twice on a day, Weekend. I texted them to CEASE AND DESIST AT LEAST twice when they were attempting to collect a debt. They ignored my requests and continued to repeatably attempt to collect the debt. And told me they could not stop contacting me via phone, when I submitted texted stating my situation multiple times. And that I was required to speak to them directly on the phone for further resolution. My phone service is limited. and as said before I was not only in financial hardship when Reliable credit attempted these harrassing calls. I have made a minimum payment at this time. And because of a refund I received from the U.S. Department of Education related to my filing permanent and full disability and forgiveness of my student loans I will be paying more than 90 percent of the total payoff of this loan. In the meantime, they continue to charge me late charges, and or unwarranted penalizing fees due to my inability to make the payment less than 3 days ago. They claim I am in default and are unwilling to discuss any further details on this matter. The payment I made should post to the account within 24 hours. And the 80 to 90 percent more of the total payoff of this loan will post by end of next week.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: World Acceptance Corporation
State: TX

Complaint narrative:
I applied and received the pay day loan last year around the end-middle of XXXX. I made payments and stayed in contact with my loan officer through it all. My previous loan officer left the company leaving me with someone new. This person does not call, she texts me. She texts me all day asking for a payment, I asked if there was anything I could do to get a pause or anything because of a sudden unemployment in the family that was a loss of {$30000.00} a year and extreme medical problems. I was in debt and bills kept on piling on me. I had a XXXX, was working 2 full time jobs and going to school to provide for my family & taking care of my sister and her child because of a dangerous situation that they were in. I didn't feel like my loan officer needed to know all of this, it was never any of their business but I felt like I had to provide proof that I XXXX  a XXXX  for them to believe that I wasn't just trying to get out of the loan .... My loan officer texted me today, and threatened to take my fianc and I to court. She also discusses my finances loan with me when I have no authorization to be told any of the information, other than being a reference number to call when he doesn't answer. These people are inhumane... I know they have a job but I know that there is a way to also help your customers instead of being insensitive. This loan officer also blamed her supervisor saying they are " on her back '' about my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: GA

Complaint narrative:
Date opened : XX/XX/XXXX XXXX : {$670.00} Contacted both original creditor as well as collections agency ( which is internal ) beginning in XXXX to explain that I have been incarcerated for 19 years and have only recently been released from Federal prison in XXXX of XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: MS

Complaint narrative:
I paid regions bank off. Its showing paid off on my credit but they wont remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have disputed with TransUnion several times by mail and several times by phone about the public record showing on my report its the chapter-XXXX bankruptcy.I have asked how does TransUnion verify TransUnion first stated through the courts witch is not true then TransUnion said through a third party called XXXX. So i went to the courthouse and spoke with the clerk she stated that the courthouse does not release information to third party companies such as the credit bureaus or XXXX then i called and wrote XXXX they stated that they get there information from XXXX.I know my rights and the FCRA rules/laws.TransUnion is supposed to contact the actual furnisher witch would be the courthouse.This is false reporting and i want it removed from my credit report immediatly! Also the reporting date is incorrect its reporting XX/XX/2015 that is inaccurate information on my report witch calls for deletion.Another thing is my XXXX account along with other third party compaines are frozen so its no way TransUnion is veryfing through XXXX i will attach documents along with this for proof.

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 2021-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I was scammed by a phone number pretending to be amazon on XX/XX/2021 and transferred money to them. I ordered books that I had not received and was calling to get a refund. They said they needed to do it through my checking because I used my girlfriends card and since her name was not on the order it had to be mine. They asked for the last 4 of the debit and said they didn't need the whole number but it did not work initially so I allowed them remote access to see what was going on in the amazon app. This person then transferred me to a manager in the " banking department '' who walked me through the scam. I realized something wasn't right because this person started asking about bitcoin and cryptocurrency to which I have no dealings. I let them know that I would be hanging up and calling my bank. This person called me back from a XXXX number to which I let them know that I would be going through my bank. I tried to call and stop the transaction while it was pending but I could not. The number that XXXX provided as amazons number is XXXX, they then transferred me to a manager in the banking department at XXXX and this person had me fraudulently enter a verification code/transfer a dummy amount of {$490.00} to " XXXX XXXX '' to make sure they matched the account that was on file with amazon. This was through XXXX and the number provided for the transfer was ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There is unverified information on my reports which are causing financial harm to me and my family. The unauthorize Inquiries on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Account reported as paid in full the company contacts advising payment due repeatedly informed not what I was advised the card was lost and account had been closed for some time so nothing was due. Disputed balance supervisor advised they were escalating and enrolling in covid 19 payment plan where as no payments no fees would be assessed for 2-3 billing cycles to ensure adequate time was provided to be properly escalated with no further issues and this was occuring during death of immediate family member. 

I did not hear back from him by the end of the date provided so i paid in full with live agent end of XXXX again reconfirming i was disputing and that once remedied in my favor refund. 

Company repeatedly advised allow 30 days to see it rectified on credit bureaus then they completely switched gears saying it is accurate. NO IT IS NOT I HAVE NEVER BEEN 30 DAYS LATE IN ALL THE YEARS THIS EXISTED LEAST OF ALL 60-90 WHEN THE BALANCE IS LOWER THAN IT HAS EVER BEEN ONLY FOR ME TO PAY THE ENTIRE BALANCE JUST LIKE THAT. 

I know what I was advised twice over and I paid again under protest at the exact moment the arrangement ended further illustrating the arrangement in place

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Account reported as paid in full the company contacts advising payment due repeatedly informed not what I was advised the card was lost and account had been closed for some time so nothing was due. Disputed balance supervisor advised they were escalating and enrolling in covid 19 payment plan where as no payments no fees would be assessed for 2-3 billing cycles to ensure adequate time was provided to be properly escalated with no further issues and this was occuring during death of immediate family member. 

I did not hear back from him by the end of the date provided so i paid in full with live agent end of XXXX again reconfirming i was disputing and that once remedied in my favor refund. 

Company repeatedly advised allow 30 days to see it rectified on credit bureaus then they completely switched gears saying it is accurate. NO IT IS NOT I HAVE NEVER BEEN 30 DAYS LATE IN ALL THE YEARS THIS EXISTED LEAST OF ALL 60-90 WHEN THE BALANCE IS LOWER THAN IT HAS EVER BEEN ONLY FOR ME TO PAY THE ENTIRE BALANCE JUST LIKE THAT. 

I know what I was advised twice over and I paid again under protest at the exact moment the arrangement ended further illustrating the arrangement in place

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 2021-09-14 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: TX

Complaint narrative:
On XX/XX/2021 I reviewed my credit reports and noticed a medical collection being reported to all three credit bureaus by ARS Account Resolution. I wrote them a " Certified Letter '' on XX/XX/2021 asking them to " Validate '' this collection account that they reported under my name and social security number. I was very specific in pointing out that this was not my debt and that I'm requesting that they provide me with documentation to validate this. On XX/XX/2021 I received a one ( 1 ) page letter from ARS telling me who they represent and that they verified the information with their client and confirmed it. I wrote them again on XX/XX/2021 via " Certified Mail '' letter two ( # 2 ) and indicated to them that the information that they provided was " Unidentifiable '' to me. I also indicated that they " Did Not '' provide me with any " Validation. '' I then received another letter from ARS dated XX/XX/2021, with the exact verbiage as their letter dated on XX/XX/2021. Finally, I sent a third letter ( 3 ) dated XX/XX/2021 via " Certified Mail '' letting them know that if they could not " Validate '' this collection in which they have placed on my credit files, they need to remove it immediately. As of this date, XX/XX/2021 they have not responded and this " Unvalidated '' collection is still reflecting on my credit file. 

They are in direct violation of the FDCPA Sec 809 ( a ) ( b ) and the FCRA Sec 623.

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 2021-09-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
Since XXXX I received a letter from Lakeview confirming that my forbearace had ended and that I had to pay again or take up a payment plan ; On XX/XX/XXXX, I called and spoke with an advisor and chose between downloading the interest rate to lower the fee and / or lengthen the time and lower the interest, the advisor of the morgage company told me that they would send the two proposals so that I could choose the one that best accommodated, after that call call the XXXX XXXX XXXX XXXX XXXX XXXX  and XX/XX/XXXX and they always tell me not to worry that they will send the documents soon ; It seems to me that enough time has passed for them to send me the documents so that I can continue to pay my morgage. 
note : additionally since the month of XXXX I have tried to make payments for the page and it does not allow me because my user is blocked and what all the advisors have told me is that it is due to the arrangement contract process ; I think that is mi right to make payments and verify my account statement.

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 2021-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
The late on my credit from XX/XX/2020 is an error! Toyota accidentally charged me a {$10.00} fee, marked me late, Repossessed the car, returned the car, and told me they would fix it! They are lucky I'm not suing them for damages! The 30 day late never happened and I suffered tremendously from it! Please help me remove it from my credit so that I can obtain a small level of Justice for this horrific event! What if a child was near when they repoed my car! What if my neighbor didn't believe me! The social harm alone!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Media Collections, Inc
State: GA

Complaint narrative:
Debt collector calls my phone multiple times but does not speak on the other end. I have no knowledge of any debt from this collector. 

Moving forward, I request that all communications are via US postal mail. This debt collector does not have permission to call me or any person affiliated with me regarding this matter. 

I also request a written verification of this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-14 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 contacted the credit bureaus as well as XXXX  XXXX XXXX to remove this fraudulent closed account that was opened under my name and with my information. I disputed many times and no results. I kindly ask for the removal of this account from all my credit bureaus and my history. 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 2021-09-14 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 contacted the credit bureaus as well as XXXX  XXXX XXXX to remove this fraudulent closed account that was opened under my name and with my information. I disputed many times and no results. I kindly ask for the removal of this account from all my credit bureaus and my history. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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 contacted the credit bureaus as well as XXXX  XXXX XXXX to remove this fraudulent closed account that was opened under my name and with my information. I disputed many times and no results. I kindly ask for the removal of this account from all my credit bureaus and my history. 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 2021-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I paid XXXX XXXX off. Its showing paid off on my credit but they wont remove it

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 2021-09-14 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: MS

Complaint narrative:
I paid XXXX XXXX off. Its showing paid off on my credit but they wont remove it

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 2021-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a letter including a signed settlement and release of claims to get an account that was agreed upon by the US COURTS to remove with payment of this account. Ive requested this 3 times and there has been no investigation, no communication. Please see attached documents.

Company response to consumer: Closed with explanation