vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
first was XXXX XXXX XXXX i owed money to and was put in collections by then i made several hundred dollar payments on time got caught up then started receiving phone calls non stop about XXXX calls a day from them harassing me when i was XXXX day late on my next payment even when i was all caught up on past due owed. i got in financial hardship due to covid and told them but they still call all day over XXXX calls day harassing me even XXXX day late. lvnv funding took over acct and put me in collections for original amount owed and did not give me credit for all payments i made i notified them every couple weeks for mons they didn't have accurate info to get correct info they have me in collections for hundreds more then i owe i told them contact XXXX XXXX to get my payments i made update my credit report they didn't they transferred to true accord who then i emailed for months trying to tell them the issue they didn't care but they tried to settle the said for 60 percent of what they said i owed which was not the correct amount the amount they tried to settle for was more then correct amount i really owe i send true accord my proof bank statements that i paid asked them to update what i owe with proof i had then XXXX days later i asked true accord to now settle with new info i gave them wasczold they transferred acct back to lvnv funding as they didn't wants to be involved collecting on a debt that's fraud and not truly what i owe the have me in collections for hundreds more then what i owe i have sent proof i have been emailing them for months now for them to fix it yet lvnv refuses to put the correct amount i owe or do anything to help me fix the situation i admit i owe a couple hundred but the are charging me for the original amount i owed before all the payments i made and i can not get any help and im trying to fix my credit so i can get a place to live

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I filed a FTC complaint on XX/XX/2021 for XXXX fraudulent accounts with LVNV. LVNV has removed XXXX of the accounts and has failed to remove the account mentioned in this complaint from my XXXX report. 

I am demanding that LVNV remove the account immediately or I will be pursuing legal action against their company for illegally placing a collection on my credit report, that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have sent several notices over the past year or two to the XXXX main credit bureaus ( EXPERIAN, XXXX, AND XXXX ) to dispute information on my report that should not be on there as well as advise them that they are in violation of many federal laws with the way they have been handling my credit profile. 

First of all, i have not given these companies any authorization to utilize or distribute my personal identification documents or authentication features. It is a violation to obtain my personal data and report information attached to said documents without my consent. 

There have been multiple inaccuracies across all three bureaus on most of the accounts they are reporting on. From account opening/closing dates, balance amounts, status of the account, payments made.. etc. Neither company has consistent information reporting and i requested that they validate all the information and authenticity of the accounts that they are reporting on. But they have not supplied any detailed information about whats going or the source of their information. These accounts need to be removed from my report immediately since they are not doing their due diligence to validate and certify that the information they are reporting on is true. 

They have also allowed fraudulent collection agencies to report on my account as well and refused to properly verify and validate the information being reported. 
Its seems like any company can just obtain my social security number and name, pay them some money, and they can start reporting on my account even though no debt is owed to them and i have no knowledge of said company or any agreement with them. 
This is a violation and is fraudulent. 

The inaccuracies of these reports have caused a lot of damages to me mentally and physically and limit my ability to prosper in life. 
As a consumer, i have rights and protections under the law and these companies need to be held accountable for the many violations they are committing. 

I want these issues looked into and handled 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 2021-12-02 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: IL

Complaint narrative:
I mailed disputes to XXXX, XXXX and transunion on XX/XX/21 because there were some incorrect items reporting in my credit reports from XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX. I requested the verification of the account and in accordance to section 609, a copy of the signed credit applications and payment histories for the accounts but, I never received a response so on XX/XX/21 I send another request for disputes to all 3 bureaus. No response again and I sent another set of disputes to all 3 bureaus on XX/XX/21, and again no reposonse. I sent another 3 disputes to XXXX, XXXX, and transunion on XX/XX/21 and again no responses. Another 3 disputes sent out to each of the XXXX credit bureaus on XX/XX/21 but, at this point, since I haven't received 1 response yet, I'm not expecting to hear back... which is very disappointing since I know there's a law saying that the credit bureaus have 30 days to respond and it's now been about 6 months and I haven't received one response. I would like the CFPB to remove all of the accounts that I have been disputing for the last 6 months from my credit reports because the 3 credit bureaus have violated the law and not completed their investigations accordance with the FCRA. I am attaching a copy of my ID and social security card so you can verify my identity. Please also fine the credit bureaus the maximum amount allowed by law for ignoring the law. My next email is to my congressman and I will not let this issue go.

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 2021-12-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax does not follow federal, state or local law in my state of Pennsylvania. 
It says I have 5 hard inquiries on my equifax report when I wrote, emailed and called customer service that deals with this. They didn't do proper investigation because it is pretty easy. I had a credit freeze on my report for year 's and that stops all inquirerys to happen. So how could that do any investigation when my file was froze. That isprettty easy to pull all 5 hard pulls when it was froze.?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: MI

Complaint narrative:
I have incorrect information reporting in my credit reports from XXXX. I disputed the information with XXXX, XXXX, and Transunion on XX/XX/XXXX but, I never received a response back on the status. I sent another letter to the credit bureaus on XX/XX/XXXX but, no response again. I sent another dispute letter to all 3 on XX/XX/XXXX and just checked my reports, not one thing showing an active dispute. Are these credit bureaus just throwing my letters out? What the heck? They have to process the disputes! And they are just ignoring me. This XXXX account does not belong to me and I don't understand why it's on my report, which is why I disputed the information in the first place. I want to know what this account is and requested a copy of the original contract from the credit bureaus and XXXX to show them that it's not mine but, no responses. How are the credit bureaus allowed to function like this and just ignore people. XXXX! Please have the credit bureaus remove the XXXX account ( # XXXX ) from my credit reports along with XXXX XXXX XXXX ( account # 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 2021-12-02 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have incorrect information reporting in my credit reports from XXXX. I disputed the information with Experian, XXXX, and XXXX on XX/XX/XXXX but, I never received a response back on the status. I sent another letter to the credit bureaus on XX/XX/XXXX but, no response again. I sent another dispute letter to all 3 on XX/XX/XXXX and just checked my reports, not one thing showing an active dispute. Are these credit bureaus just throwing my letters out? What the heck? They have to process the disputes! And they are just ignoring me. This XXXX account does not belong to me and I don't understand why it's on my report, which is why I disputed the information in the first place. I want to know what this account is and requested a copy of the original contract from the credit bureaus and XXXX to show them that it's not mine but, no responses. How are the credit bureaus allowed to function like this and just ignore people. XXXX! Please have the credit bureaus remove the XXXX account ( # XXXX ) from my credit reports along with XXXX XXXX XXXX ( account # 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 2021-12-02 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Hello, I have been trying to resolve this error with Equifax for 3+ months and they continue to wait for the bank to get back to them on the information on the report, instead of realizing that they are never getting back to them. 

I had the same issue with this bank and the credit reports with the two other bureaus and they both came to a conclusion to remove the late payment on my report after waiting 30 days from the original date with no response. 

I am not asking for anything crazy, I am just trying to remove a false derogatory mark on my report and move this forward, this waiting game is hurting my credit score by over 100 points in comparison to the other bureaus. 

My first complaint on this problem was on XX/XX/21 with complaint XXXX. 

The second to get an answer was on XX/XX/21 with complaint XXXX. 

Today I am submitting this on XX/XX/21, more than three months after the original date it has taken to solve this problem. 

If you need a refresher, the original complaint was that I couldn't link my normal bank account with the filing bank where the loan was from so it was impossible to pay the loan on time, I reached out to the bank about this issue with no response and couldn't go in to fix it because the banks were closed due to covid. The online portal to link the bank accounts ( in order to transfer over the funds ) was malfunctioning and wouldn't allow me to wire over money for it. 

If the bank will not respond to Equifax 's investigation in less than 3 months then they shouldn't keep the derogatory mark on my report. 

XXXX, and XXXX both removed this from their reports for this reason. 

I hope you can find a resolution to this problem so I can finally get approved for a loan again, these marks take 7 years to fall off the record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
Defendant : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX XXXX XXXXXXXX, IL XXXX Ph : ( XXXX ) XXXX Website : XXXX XXXXXXXX XXXX XXXX XXXX, has wrongfully sent a bill for {$910.00} with my name on it to collections for debt that should be covered by my insurance. If he has waited beyond the service period of the insurance then thats not my concern. XXXX XXXX has to improve his back office billing. 

I found XXXX XXXX as a future XXXX XXXX while searching for XXXX  on the XXXX XXXX. He is a XXXX XXXX, XXXX XXXX XXXX XXXX in XXXX XXXX, IL. Truthfully XXXX XXXX is a very good XXXX with excellent customer relations and bedside manners. I have no complaints about his medical practice. He's a great XXXX. 

However as a businessman I have reservations about his office operations. XXXX XXXX billing processes and procedures internally are all but efficient. My complaint is about a medical billing sent to collections. I had XXXX under my then wife and I now have XXXX under me. 

On my last visit with XXXX XXXX, he stated that his office person could not collect on my insurance. I thought this was odd considering that my previous XXXX and XXXX both were covered with a Copay that I have with the insurance company. So I thought no worries he will take care of it, besides why should I do his medical  billing? 

That was around XX/XX/2021 and now it is XX/XX/2021 and I see that XXXX XXXX has sent this balance to collections instead of dealing with the Insurance provider. I have seen ( XXXX ) XXXX since XXXX XXXX and their billing is just fine with my {$20.00} copay. XXXX XXXX has sent my bill for {$910.00} to XXXX XXXX XXXX a XXXX XXXX out of XXXX XXXX, PA. 

I want XXXX XXXX to take responsibility for this transaction and just because he has a medical practice or business service does not give him the right to generate a debt and charge it to the customer. Once the patient enters the office the payment arrangement is already made. Through the XXXX site the patient provides all their insurance information and it is reiterated once in the Docs office. 

XXXX XXXX did not have a secretary, office clerk or nurse in the office working with him and he was handling all the responsibilities. I saw the XXXX twice before he told me that I owe {$910.00}. I told him that couldnt be so because of the way I set my insurance up. He replied very defensive and said that his person has always done his billing. I replied that I dont believe that she is correct and he said she is and I said impossible and he said then I cant see you today. I said fine. 

I am not responsible for this debt at this time and should not be held liable for paying it. 

Best Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
In XXXX when the bank did something I didn't ask for I closed all my accounts with them including my credit card at which time I paid it in full. see copy of lettering enclosed apparently they've been compiling interest since on a zero balance and when I call them to take care of it they claim there's interest due because it compiled daily until it's paid seems like a issue with their system

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
FOLLOW UP TO PREVIOUSLY SUBMITTED COMPLAINT. 

Chase did not read complaint and called to " meet a service level '' and/or " check a box ''. 

First, they contacted my spouse and not me. 

Second, they called a different number than I provided to discuss the complaint. 

Third, spouse was provided a " download '' of process and next steps. 

They did not read this issue nor create time to discuss with me. I know there is a pending dispute. I know it takes time. I know it needs to be reviewed and investigated. 

What they are failing to discuss, acknowledge or accept responsibility with is the fact that they failed to protect me, the created a delay, there is no ownership and this unauthorized charge has been floated back and forth between disputes and fraud creating a delay. 

They also mapped this charge to a card number that was reporting missing/lost. 

I promptly called back and have not received a return call. 

My spouse got the impression that we will hear back when the investigation is completed. 

THAT IS NOT THE CRUX OF MY CONCERN AND COMPLAINT. 

I am working to resolve this based on the detrimental reliance they have placed on me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-02 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: MI

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: TX

Complaint narrative:
Office of the Attorney General reported in XX/XX/XXXX my child support will never late in XXXX and XXXX. I have a XXXX balance. I screen shot the picture of XXXX balance and no lates. However upon looking at the months after it shows 30 late XXXX and 60 late in XXXX. I need this corrected. I have attached a screen shot of the item from XXXX and i need it to be corrected to show the exact same on my report for all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXX UNIVERSITY XXXX  ) XXXX ( Original Creditor : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: IL

Complaint narrative:
THIS IS NOT A DISPUTE. DO NOT START AN INVESTIGATION. 

I am aware that a consumer reporting agency can only report collections and charged to profit and loss accounts for a 7 year period only to items in a consumer file according to 15 USC 1681c ( c ) ( please find law attached ). I am aware that a consumer file and a consumer report are not the same documents according to federal law ( please find terms defined below ). 

With that being said because I am now aware the 7 year reporting period of collection and charge off 's doesn't apply to a CONSUMER REPORT and only to a consumer 's FILE I am demanding that you REMOVE the following collection and charges off 's from my Consumer Report immediately. 

XXXX XXXX XXXX XXXX - Account # XXXX - Charge Off XXXX XXXX XXXX XXXX Account # XXXX - Charge Off XXXX XXXX XXXX XXXX XXXX Account # XXXX - Charge Off Once these account are removed from my consumer report, I am requesting a copy of my Consumer Report mailed to me, NOT my consumer FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. 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 non-monetary relief