vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-09 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: CA

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness, and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sentry Credit, Inc.
State: GA

Complaint narrative:
In XXXX i seen sentry credit on my account i tried calling them no answer so i mailed them. Contacted XXXX and tried disputing it but sentry credit said account was accurate. Tried mailing and contacting sentry credit since XXXX and the same w XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting 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:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from 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 explanation
Consumer complaint received 2024-03-09 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: CA

Complaint narrative:
The inaccuracies in these late payment entries are negatively impacting my ability to obtain the necessary credit, as they are substantially reducing my credit score. Professionals whom I consulted have confirmed the existence of legal safeguards designed to prevent the dissemination of erroneous credit information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Healthcare Finance Direct LLC.
State: TX

Complaint narrative:
In XX/XX/year>, I initially reached out to XXXX with the hope of improving my dental alignment and overall oral health. After following the prescribed steps and undergoing the initial scanning process, I received my first set of aligners. Unfortunately, upon trying them, I discovered that they were uncomfortably tight and did not fit properly. Consequently, I promptly visited your office to address this issue and underwent a second scanning session. 

Regrettably, despite the reassurance provided during my second visit, I have yet to receive any further correspondence or the promised product. Subsequently, I was dismayed to learn that XXXX has filed for bankruptcy, leaving customers like myself in limbo regarding the status of our orders and refunds. 

This situation has been exacerbated by the fact that Healthcare Finance Direct continues to demand payments for a service that has not been fulfilled. As a result, I am now facing undue financial burden and stress due to circumstances beyond my control. 

Given the circumstances and the lack of clarity regarding the future of XXXX, I kindly request a full refund for the services I have paid for but not received. It is only fair and just that I am reimbursed for the amount I have invested in a service that has not been delivered as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a credit report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 

I did not initiate any of these inquires furthermore if you feel like I did, please send me copies of my written signature giving consent to this matter. 

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

Under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ). 

CAINE & WEINER COMPANY INC You supposed to add notice within 30 days not 1 day over as i have proof. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
The BMW financial obviously forces negative information on your credit so they can get paid. They have spoke on phone issues and knew that I paid my car payment on the XXXX day they saw it in the system they even wrote that in the last CFPB response but kept the 30 days late on my credit. They also reported me 60 days late in XXXX  when my mother got covid and I was stuck in XXXX they would not fix it the 800 # did not work there and they did not believe me. 

THE NEW issue is the dealership at the end of the lease bought my car after the lease expired that was the agreement so I would not have to pay the excess charges. 
I explained this to BMW financial and they refuse to cooperate but still charge me for over mileage, and a bad tire which should not happen because the dealership bought the car. 
The dealership representative told me the car went to the auction, then I was told by BMW financial that the car was bought by the dealership to call them. This went on for a year and ruined my credit in charge off status for {$3000.00}. 
This is what the manager said over the phone at BMW financial There are 2 types of lease buy outs : a ) One where the dealership buys your car and takes care of all the customers cost. 
b ) The other is the dealership buys the car but DO NOT TAKE CARE OF THE CUSTOMERS COST. 
I apparently had option B, so basically the dealer bought my car, sold it made money and bmw financial profits off this by still sending me a bill with charges that should have been gone with my sale to the dealership. It was just after covid and used car prices had tripled so I could have kept the car and sell it myself if I knew I would be sent a {$3000.00} bill. 
I finally threatened litigation to the dealership XXXX XXXX bmw and they finally responded with empathy and gave me a check of {$1000.00} toward the cost and apologized for the miscommunication. 
I told all this to BMW Financial and of course they did nothing again! They never try to compromise or offer any resolution or credit to my account. They had me in collections so I was forced to pay {$1800.00}. I should not have paid so much. But it is still on my credit as a charge off and I paid It off. This was a mistake and they know this, I will send the BMW dealership emails and copy of check they gave me. The item should never been on my credit. My history of the past 3 leases and my car now, is XXXX LATES PERFECT I WILL ATTACH. IT IS ONLY BMW FALSELY REPORTING ME. 
I WANT THE LATES TO ALL BE REMOVED FROM MY CREDIT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: FL

Complaint narrative:
During 2023 I filed a complaint on this company for sending debt to credit bureaus without sending me any documentation. I received documentation dated XX/XX/, and the original documentation indicated that I owed {$340.00}, yet the original statement stated that I should have been refunded XXXX. I sent a letter telling them that I do not have any responsibility for the debt, and if they believe that I was owed this debt to provide supporting documentation. They followed with a cancellation letter, datedXX/XX/XXXX stating that they requested the item be removed from the credit bureau. 

Months later I received a letter, dated XX/XX/203, from the collection agency, asking me to settle at a lower amount. 

In addition I sent the letter to the credit bureau with the original documentation indicating I did not owe any debt and they still list my collection as verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
I currently have a loan with credit acceptance with an very HGH interest rate. I called them to let them know my car was a XXXX, if they would assist me with my issue. They agreed to allow me to pay {$100.00} bi-weekly ( did not fix my compliant ). Their response to me was to return the car and it would be a repo. I called them several times for someone to please help me. I pulled out my contract to review it, didn't understand it. I called to request my contract ( XXXX ) times they never sent over to me. I am so far behind on my loan I'm afraid they will come to repo it. I am in need of assistance, please. I appreciate your attention to my request. Credit Acceptance is the XXXX!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
Received several unauthorized bank transactions from USAA Bank ( see attached ) from XXXX. I do not even know anyone in the military nor have I even heard of this bank so the transactions were not initiated by me. Essentially $ XXXX was stolen my life savings and I can no longer pay my mortgage. 
In investigating this bank online, I found other victims of these unauthorized bank transactions & stolen money. 
A claim is submitted to my bank & they are investigating on their end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-09 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Bank/CareCredit has been made aware through documents I have sent them, dozens of pages, that I paid for treatment by DOCTOR but instead I received treatment by a man IMPERSONATING a Doctor. They have the proof I sent. But continue to insist on fake investigation of dispute to protect the merchant that is a scammer and a fraud. Im not liable for that. I was scammed. XXXX XXXX is not a XXXX nor he had any medical licensing in the time of my XXXX in XX/XX/XXXX of XXXX. He treated me pretending to be a Doctor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have notified XXXX multiple times of these unauthorized inquiries, and they still remain on my report. XXXX refuses to comply with the FRA and remove these UNAUTHORIZED inquiries on my report. PLEASE SEE ATTACHED!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting 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:
I have notified Experian multiple times of these unauthorized inquiries, and they still remain on my report. Experian refuses to comply with the FRA and remove these UNAUTHORIZED inquiries on my report. PLEASE SEE ATTACHED!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
There were illegal transactions processed on my business account that the fraud dept was already aware of and fees were also attached to these debits on XX/XX/XXXX. There is an open claim and I have a new card but I can not use it until the monies taken out are refunded to my account. 
I am recovering from a XXXX and have regular bills along with medical bills to pay. I am not able to go to the bank to get money everyday. The money to my account needs to be refunded ASAP!

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