vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Offices of Robert A. Schuerger Co., LPA
State: DC

Complaint narrative:
Hello, I was reached out to Schuerger Law Group ( https : //www.schuergerlaw.com ) via phone ( that was recorded ) on XX/XX/ indicating that they are a debt collection agency looking to collect about {$5000.00} from me through my previous university. 

During the call, I asked the representative for a validation request because the debt they indicated sounded much more inflated than the number I believe I owed. She denied me this request while berating me and yelling at me through the phone. I immediately told her to escalate the call to her manager and asked for a validation request through him, and he agreed. In the email I received to opt-in to their communications, I responded ( attached ) indicating the amount I owed about and a list of questions I am entitled to ask. 

On XX/XX/, nearly 2 months later, I received what I suppose is their validation request, but it looks to be an invoice ( attached ) from the university I attended, listing a debt to be around {$1600.00}. I never received an actual Billing Statement from this group. I reached out to my university 's XXXX XXXX XXXX on XXXX to confirm the debt amount, the amount a collection agency is able to increase the debt, and the debt collection agency my debt was sent to. After gathering this information, I can clearly identify the Schuerger Law Group was providing misinformation about my debt and hoping to deceive me into paying a higher amount. I have reached out to them to let them know that I will be submitting a complaint to CFPB I also reached out to CFPB on XX/XX/ to validate whether this complaint is warranted or not, and the representative agreed that I should move forward with a complaint due to the false information provide AND because the collection agency did not provide the full scope of a validation request ( they did not provide me an option to dispute the claim ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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 a fraudulent account on my credit report, which I reported it to XXXX XXXX XXXXXXXX, yet XXXX XXXX XXXXXXXX is not removing this fraudulent account. XXXX XXXX XXXXXXXX has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXX XXXX XXXXXXXX has refused to do this. The following is the fraudulent account : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3100.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$4600.00} which were open at an address which I have never lived at and it has nothing to do with me. Accounts showing above are indicating with an address ( XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ) which is not mine and I never lived there.

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 2023-05-04 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: MT

Complaint narrative:
I have contacted the credit reporting companies through multiple dispute letters. I have contacted the creditor and each have blamed each other for not be able to correct errors in my Credit report. I have contacted Equifax, XXXX, XXXX, and XXXX, with no results on removal of this account. I will attach a copy of a document from Equifax showing an account with my husband, a do not send anymore dispute letters, and a copy of the loan history from XXXX XXXX XXXX. The report document from Equifax shows that account number XXXX XXXX XXXX XXXX  was discharged through bankruptcy XX/XX/XXXX, This account for {$24000.00} was reaffirmed and paid in full ( 1st error ). The Payment History stops XX/XX/XXXX, If you will look at the loan history I have included you will see that the loan was paid through XX/XX/XXXX ( 2nd error ). 
While this loan covers 7 years the " Terms '' on the Equifax report show O ( 3rd error ). The " High balance '' and the " Recent balance '' are Not reported ( 4th and 5th error ). These errors from XXXX XXXX XXXX  are also in Equifax, XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Brightfunders, LLC
State: PA

Complaint narrative:
This all started when I was granted a deferment/forbearance with my Mortgage company ( Lower Mortgage ) back in XXXX XXXX XXXX. This was due to medical issues and was to defer 4 months of payments ( XX/XX/XXXX through XX/XX/XXXX ) and would be added to the back end of the Mortgage loan. Each month I would receive a statement, the statement for XXXX stated I was past due, so I called the loss mitigation department at Lower ( the department that granted the deferment ). Every time I called they said that it was a mistake and that they would take care of it. This happened for the next couple of months until the reinstatement process happened and when I made my normal mortgage payment in XX/XX/XXXX the XXXX statement showed current. I then checked my credit report and noticed that it dropped nearly XXXX points due to the fact that Lower collections department sent in to the credit bureaus that I was past due. I called Lower, they admitted the mistake but said there was nothing that they could do and I would have to straighten it out with the credit bureaus which I did. I filed disputes with all 3 agencies ( XX/XX/XXXX ) and was able to get my credit back to close to where it was prior. Now in XX/XX/XXXX I checked credit report again and noticed a XXXX drop. This was again due to Lower submitting a report of missed payments to the credit bureaus. I tried to login to my account and am unable to, a notification comes up " please contact support your account status is limiting your access to additional information ''. I called the number XX/XX/XXXX ( collections department ) they stated that they were showing that I had not made a payment since XXXX XXXX  XXXX which they again admitted an error. Also had a representative from Lower show up to my house on XX/XX/XXXX to verify that I lived there. I have contacted Lower just about everyday since XX/XX/XXXX to see if they have rectified their error and every time they don't know why it is taking so long and that they email their manager. Every time that I ask to speak to a Supervisor or Manager they are either " too busy '' or " are only going to tell you the same thing that I am telling you ''. I have not received any emails or phone calls from them stating that my account is past due and all of the mailed statements from Lower show that I am current. Don't know how they make an error like this and why it takes so long for them to correct it.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: IA

Complaint narrative:
PAID IN FULL -- -- in response to letter sent XX/XX/XXXX XXXX LVNV FUNDING LLC/Resurgent capital services XXXX XXXX is REPORTING INNACURATE and fraudulent information and not validated INORMATION and continues to since Before XX/XX/XXXX, to Present, the balance is incorrect on A LVNV FUNDING LLC/Resurgent capital services XXXX collections account # XXXX ( closed / XXXX Or XXXX closed and paid even with the ACCOUNTS and TRADELINES ARE CLOSED AND OR PAID IN FULL. XXXX is reporting Inaccurate and fraudulent information as these accounts has been and is closed since XXXX and is PAID IN FULL. balances and all information are inaccurate as they are not factual Reporting LVNV FUNDING LLC/Resurgent capital services XXXX and all companies are negligent compliance by reporting this information as accurate when in fact, they are not XXXX XXXX has reported over several times as accurate when clearly, they are not. LVNV FUNDING LLC/Resurgent capital services and XXXX are violating My consumer rights and FCRA laws . LVNV FUNDING LLC/Resurgent capital services is I believe retaliating with unethical practices by providing intentionally inaccurate information as Resurgent capital services LVNV violated federal and state laws by garnishing funds that were exempt and continues to report inaccurate data to XXXX. This is one of several accounts of false information and reporting inaccurate information and Credit data. FUNDS were RECEIVED XX/XX/XXXX Filings Title : LVNV FUNDING VS XXXX XXXX Case : XXXX XXXX ( XXXX ). Any LVNV FUNDING LLC accounts and data must be DELETED from XXXX and XXXX due to violations of the FCRA and LVNV Funding LLC Be fined {$1000.00} to {$10000.00} per FCRA Violation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: American Credit Acceptance, LLC
State: AL

Complaint narrative:
XXXX XXXX I called American credit Acceptance and XXXX to get my car note refinancing. They told me they can not help me. So I called my bank and they wasn't able to help. So I called back to American Acceptance and XXXX and told them to come get the car. It was also during XXXX. I put brand new tries all round the car and oil change.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: MI

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account numbers listed below has violated my rights. 15 U.S.C 1681 Section 602 A. I have the rights 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 XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX BALANCE XXXX XXXX XXXX XXXX ACCOUNT XXXX BALANCE XXXX XXXX ACCOUNT XXXX XXXX BALANCE XXXX XXXX ACCOUNT XXXX XXXX  BALANCE 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 2023-05-04 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:
In accordance with the fair credit reporting act XXXX Account numbers listed below has violated my rights. 15 U.S.C 1681 Section 602 A. I have the rights 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 XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX BALANCE XXXX XXXX XXXX XXXX ACCOUNT XXXX BALANCE XXXX XXXX ACCOUNT XXXX XXXXXXXX BALANCE XXXX XXXX ACCOUNT XXXX XXXXXXXX BALANCE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: NC

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
It is the Credit Reporting agencies duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are not. XXXX is reporting 10 inaccurate late payments for the XXXX with the account number of XXXX. This includes late payment ( s ) 30 days from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. It also includes XXXX XXXX XXXX, XXXX, XXXX and XX/XX/XXXX. These are incorrect and supposed to be reported as Paid as Agreed. Furthermore, pursuant to 15 U.S.C 1681 a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person ( s ) making the report. A transaction constitutes these late payments resulting in XXXX violating my Federally protected rights. To add to this, I did not give XXXX written instruction/permission to furnish these inaccurate late payment ( s ) on my consumer report of file, thus violating 15 U.S.C. 1681 b ( a ) ( 2 ). It is clear that XXXX has violated my Federally protected rights under the FCRA and the inaccurate reporting is causing me undue hardship and my reputation severe harm and discrimination.

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 2023-05-04 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: WI

Complaint narrative:
It is the Credit Reporting agencies duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are not. XXXX is reporting 10 inaccurate late payments for the XXXX with the account number of XXXX. This includes late payment ( s ) 30 days from XXXX XXXX, 30 days from XXXX XXXX, 30 Days XXXX XXXX, 60 Days XXXX XXXX 60 Days XXXX XXXX 90 Day XX/XX/XXXX. It also includes 30 Days XXXX, XXXX, XXXX and XX/XX/XXXX. These are incorrect and supposed to be reported as Paid as Agreed. Furthermore, pursuant to 15 U.S.C 1681 a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person ( s ) making the report. A transaction constitutes these late payments resulting in XXXX violating my Federally protected rights. To add to this, I did not give XXXX written instruction/permission to furnish these inaccurate late payment ( s ) on my consumer report of file, thus violating 15 U.S.C. 1681 b ( a ) ( 2 ). It is clear that XXXX has violated my Federally protected rights under the FCRA and the inaccurate reporting is causing me undue hardship and my reputation severe harm and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: NJ

Complaint narrative:
I have inquiries I dont recognize on my report such as Experian Business credit date XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX on Experian On XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, On XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 2023-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BCA Financial Services, Inc.
State: NJ

Complaint narrative:
When I signed up for my high deductible and 20 % co-insurance plan, I did calculations based on fair and average delivery costs. However, the hospital billed much higher than Fair Health Consumer and Healthcare Bluebook published average rates. The average cost for the mother and baby is a total charge of {$15000.00}, plus the XXXX XXXX observation room fair price should be {$600.00}, for a total cost of XXXX. The hospital charged a total above {$44000.00}. Secondly, the commercial insurance acceptance for a XXXX XXXX  with XXXX XXXX is very high. The bill was a whopping XXXX, XXXX above the maximum amount other insurances accept. In short, the insurance paid above {$19000.00} already to XXXX XXXX which is XXXX higher than the average rate that hospitals charge for the services I received. This is without the additional XXXX which I owe. 
Another more serious complaint I have is against the hospital is its unfair collection procedure. Less than XXXX hours after XXXX XXXX XXXX, a hospital employee asked me to pay a bill of XXXX based on charges of XXXX just for my stay in the hospital. This was before any EOB or proper insurance processing was conducted. The bill was nothing less than extortion. The actual amount I owed, after insurance processing was significantly lower than this trumped up, false bill presented to me. This is clearly fraudulent and unethical and dishonest practice. It also takes unfair advantage of the vulnerability of a XXXX XXXX XXXX XXXX XXXX In my weakened state, I caved into the pressure and allowed the hospital employee to charge my card for {$1100.00} instead of the $ XXXX they initially demanded in conversation with me. The card was declined due to insufficient account balance. 
XXXX XXXX who managed the Debit card I offered the hospital, has record of XXXX XXXX charging my card XXXX XXXX less than XXXX hours after my baby was born, for the amount of {$1100.00}. Permission to charge my card for this amount was obtained through disreputable business practice, intimidation, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Bills Of Exchange Act, Federal Reserve Act, 18 usc 241/242, Truth & Lending Act, CDCA, HJR -192. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, Federal Reserve Act ( Section 16 part 2 ), and Bill of exchange Act. They also knowingly and willing conspiring to deprive me of human rights under color of law title 18 usc 241/242.

Fact : Section 18 usc 241 : makes it unlawful for two or more persons to agree to injure, threaten, or intimidate a person in the United States in the free exercise or enjoyment of any right or privilege secured by the Constitution or laws of the Unites States or because of his or her having exercised such a right.

Fact : Section 242 of Title 18 makes it a crime for a person acting under color of any law to willfully deprive a person of a right or privilege protected by the Constitution or laws of the United States According to federal reserve act section 16 part 2 : it states my Application was used as a bill of exchange to fund the account as collateral!

Fact : Federal Reserve Act : Section16 ( 2 ) Application for notes by Federal Reserve banks Any Federal Reserve bank may make application to the local Federal Reserve agent for such amount of the Federal Reserve notes hereinbefore provided for as it may require. Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application. Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application.

As you should know, FACT : Federal Reserve Act Section 29. Civil Money Penalty c ). The maximum daily amount of any civil penalty which may be assessed pursuant to subsection ( c ) for any violation, practice, or breach described in such subsection is -- 1. in the case of any person other than a member bank, an amount to not exceed {>= $1,000,000} ; and 2. in the case of a member bank, an amount not to exceed the lesser of -- * {>= $1,000,000} ; or * 1 percent of the total assets of such member bank.

In conclusion you are commanded to deleted from all consumer reports and compensate for ALL VIOLATIONS!!! Failure to perform will lead to a federal lawsuit against your corporation for breach of agreement and securities fraud accordingly to Bill of Enchange Act, and Federal Reserve Act

Company response to consumer: Closed with explanation