vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Asset Recovery Solutions, LLC
State: NJ

Complaint narrative:
Date : XX/XX/2024 Address ASSET RECOVERY SOLUTIONS , LLC Address Line : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX RE : List Account Number XXXX I am sending this letter after RECEIVING an email on XX/XX/2024. I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ). 
I am NOT requesting a verification, but I am requesting for validation. I request that your office provide me with evidence that I am obligated to pay you. 
Please provide me with the following information : XXXX. The original creditors name and address XXXX. The Original Account number associated with the debt. 
XXXX. State what the money you say I owe is for XXXX. How did you come to determine that amount? 
XXXX. Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe. 
XXXX. Show me the proof that you are licensed to collect in my state ; provide your license number. 
XXXX. Provide me with proof that the statute of limitations has not expired. 
XXXX. A valid, legible copy of the agreement stating the debt and interest charges. 
XXXX. The name and contact information of any sources contacted to verify the accuracy of the disputed item. 
XXXX. Proof that I am legally responsible for this debt. 
XXXX. Documentation outlining the chain of ownership of this debt, including any assignments or transfers. 
XXXX. Provide proof that Asset recovery is Licensed in the XXXX  of New Jersey to collect on a debt. 
If your company fails to comply or respond to this letter within the allotted time of XXXX  days from the date you receive this letter, this account must be deleted and removed immediately from my credit report. Also, all future attempts to collect this debt must stop until I receive proper validation of this debt. 

Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
As of today we are in contingency waiting more additional paperwork from the buyers to go back to underwriting. When they accepted this loan XX/XX/XXXX they told Me the process takes XXXX days. Were closing in on the XXXX  day mark yet with no finish line. They just requested last week that my buyers pay off all their debt. Provide explanitory reasons for taxes. They told us that due to new process that if we dont provide information in XXXX  days that they will push our loan to the end of the pile. However we have fought and fought with them and it just feels like they are dragging this out due to them not getting a current interest rate all while I have not been living in the house for almost a year now and I accepted this off in XXXX of 2023. I have burned through ALL my savings and XXXX dumping both my paychecks into this house payment, all while not getting any ol information from these people.

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 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2024-05-08 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: WI

Complaint narrative:
Dear Experian ; " I '', XXXX XXXX is hereby giving NOTICE OF VALIDATION/Notice of Opportunity to Cure/Liability/Conditional Acceptance in pursuant to rights and remedy by law. There are falsely reported claims in " your '' records in my name along with misrepresentation of my lawful name as re : above. Please take the time out to investigate the matters as I have done so but are unable to be provided remedy for false claims from agencies who have unlawfully and without my expressed consent or proof of contract ; willfully, intentionally and knowingly shared/traded my private information against thy will ; with the exception of XXXX XXXX XXXX and XXXX XXXX ; which are current accounts . I am exhausting all methods and if I can not find cure " in facts '' I will have no choice but to report all cases of falsified contracts " that are in the name of XXXX XXXX XXXX '' to the BUREAU OF INVESTIGATIONS , DEPARTMENT OF JUSTICE and any other agencies that may help in assist of this matter. Please remove all reports in error ; for they are causing, " I '', the living ( wo ) man, injuries and damages to my right to a fair and decent living as well as discrimination to my Lawful name without remedy for I out of good faith! Please take notice as I have done my due diligence in accordance with the laws stated in this correspondence. Please confirm validation, through correspondence, certified and notarized by a living flesh and blood witness that can attest to such facts under penalty and perjury. Please use the proper address listed above ALL OTHER ADDRESS MUST BE REMOVED AS THERE ARE NOT ASSOCIATED. Thank you for your assistance in the matter.

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 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WI

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights. 

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 furish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 2024-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I was trying to log into my account for days and it wasnt letting me in. It didnt give me a error message or notify me of anything. I tried calling customer service and they refused to help. They asked me to verify where I opened my account. I opened my account almost 20 years ago. They also asked me to verify the most recent transaction... If I cant get into my account for days how can I know what the most recent transaction is????? In the end they refused to help me. After hours on the phone I finally got someone to tell me that my account was locked and I needed to go to a branch with a statement from another bank to unlock my account. Problem is I was out of state and there were no branches near me. This is absolutely unacceptable. I have accounts with 3 other banks and I have never had to do anything remotely close to this to unlock my online access. This is a ridiculous process and it all could have been avoided with a phone call. Needless to say as soon as I unlock my account I will withdraw all my money and close it after 20 years as a customer. I guess this is how I get treated for being a longtime customer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 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: PR

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 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 an account without my written instructions.

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 2024-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This account was charged off on the following date ( XXXX, 2018 ) Since then the account has repeatedly been updated as charged off every month. 
This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account property and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts Name - XXXX XXXX Account Number- 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 2024-05-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
It has been brought to my attention that the there are some fraudulent inquiries on my report that are not authorized by the following companies. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX DATE : XXXX ACCOUNT NAME : XXXX XXXX XXXX INQUIRY XXXX ACCOUNT NAME : XXXX XXXX INQUIRY DATE : XXXX ACCOUNT NAME : XXXX XXXX XXXX  INQUIRY DATEXXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give the three credit reporting agencies permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature showing that I gave you permission to furnish any information on my behalf.

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my social security number.

The companies involved have not been able to produce the contract and a complete investigation as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: GA

Complaint narrative:
Urgent Compliance Notice : Immediate Attention Required for FCRA Violations I am writing to formally address a serious matter concerning the unauthorized disclosure of my credit information. As an individual deeply impacted by my upbringing and surrounding environment, the safeguarding of my personal data is of utmost importance to me. My unique circumstances have instilled in me a strong awareness of privacy and the critical need for consent in sharing sensitive information. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - " Permissible purposes of consumer reports, '' it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned. It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not onl violates federal law but also disregards my personal rights to privacy and control over my financial information. 
Given this unauthorized action, I demand the prompt removal of all inaccurately reported information from my consumer report. Should these issues remain unaddressed, I am prepared to seek reparation through legal channels, including but not limited to, initiating a claim for damages in small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: NJ

Complaint narrative:
I am writing to formally demand the immediate removal of specific items listed on my consumer credit report, as they are infringing on federally protected trademark rights. It has come to my attention that the negatively impacting accounts your company is erroneously reporting are being reported without proper authorization, consent, or licensing. 

The name on those accounts is a federally registered trademark, protected under the XXXX XXXX XXXXXXXX and XXXX XXXX ( XXXX ), under the serial number XXXX. The presence of this name on my credit report, associated with negatively impacting items, constitutes a misuse of this trademark. Such actions are not only misleading but also illegal as they violate federal trademark laws including the XXXX XXXX, which prohibits unauthorized use of a registered trademark in a manner likely to cause confusion, deception, or mistake ( 15 U.S.C. 1114 ).

Please be advised that the continued use of this trademark or any similar markings without explicit permission from the trademark holder constitutes an infringement of trademark rights. Failure to remove these inaccuracies from my credit report will compel me to pursue all legal remedies available under the law. This may include, but is not limited to, seeking monetary damages for defamation and further misuse of the trademark as per established precedents like XXXX XXXX v. XXXX XXXX, 599 F.2d 341 ( 9th Cir. 1979 ), where unauthorized use of a trademark was held as grounds for trademark infringement and associated damages. 

I trust that you will treat this matter with the urgency and seriousness it warrants. Please ensure that these items are removed from my credit report within 30 days from the date of this notice, as prescribed by the Fair Credit Reporting Act ( FCRA ). 

Should this matter not be resolved promptly and according to the legal stipulations mentioned, I will have no option but to seek legal recourse to protect my rights and recover damages for any harm caused by this infringement. 

I expect to receive a written confirmation from your agency within XXXX ( XXXX ) business days regarding the initiation of the items ' removal. 

Thank you for your immediate attention to this serious issue.

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 2024-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CHARLES SCHWAB CORPORATION, THE
State: NY

Complaint narrative:
I AM REWRITING THIS ENTIRE SECTION AS THE PERSON WHO TOOK IT DOWN INCLUDED A NUMBER OF ERRORS. 

I am filing this complaint due find Schwab being unable to find the transfer of monies. On XXXX XXXX XXXX XXXX was transferring XXXX ( SEE BELOW ) from his bank XXXX XXXX in XXXX to Charles Swab and company and it has been lost since then. I have contacted my bank AND each time I call I get a different story- the latest is it is stuck in XXXX. SCHwab uses XXXX when SCHwab received he money they did not allow the transfer and they SAY THE other bank says it was never sent back. The account is XXXX at SCHwab and the money is no where to be found. XXXXXXXX XXXX was trying to put it in XXXX which is my CHECKING account. To date NO one can tell me where the money IS AND none of the people involved have thE moneys. 

XXXX HAS ASSIGNED AN INCIDENT # XXXX THIS IS A CORRECTION TO THE ORIGINAL COMPLAINT. THE PERSON TAKING THE COMPLAINT TYPED THE INCORRECT AMOUNT AS WELL AS BANK NAME. 
THE TRANSACTION WAS FOR XXXXXXXX XXXX NOT XXXX. ALSO THE BANK IS SCHWAB NOT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Dear Sir/Madam, I am writing to formally lodge a complaint against Debt recovery solutions for multiple violations of consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), and the Consumer Financial Protection Act ( CFPA ).

Despite repeated requests, Debt recovery solutions has failed to provide validation information as required under 12 CFR 1006.34 ( b ) ( 5 ) of the FDCPA. Additionally, I have not been afforded the opportunity to dispute the account in question in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

Furthermore, Debt recovery solutions has engaged in false, misleading, and deceptive practices, which violate my consumer rights. Such conduct is in clear violation of the FDCPA and FCRA. 

Moreover, Debt recovery solutions lacks the authority to furnish any account to consumer reporting agencies without providing all necessary disclosures as required by law. This flagrant disregard for legal obligations constitutes a violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-s 2 ( 7 ) ( A ). 

I urge the Consumer Financial Protection Bureau to conduct a thorough investigation into these egregious violations and take appropriate action against Debt recovery solutions. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Hi, I obtained a loan in the amount of {$61000.00} from Dividend Financials for solar panels at a fixed rate of {$5.00} that compounds daily. I was informed that I would receive a 30 % tax return, about {$18000.00} in XXXX ; however, when I filed my return, I did not receive that amount. I then realized that I would only receive a return commensurate to the amount I paid in tax in XXXX. Even though I informed the Dividend Financials representative that I did not receive {$18000.00}, they continually informed me that I have to pay that amount back by XXXX of this year, XXXX, or my monthly payment amount will increase. I even said I would pay extra to the principals, but they would not allow me and stated any extra would got towards the interest. Also, I was not aware that I was paying much less than the monthly principal ( P ) and interest ( I ) which was over {$300.00} ; I found that I owed over {$600.00} on the interest when I asked to apply extra to the principal. The loan was structured so that I paid {$280.00} instead of meeting the full monthly amount to cover P & I. 

They structured the loan so that the interest amount was not being met monthly because the payment amount was much lower than that limit. I also did not know this until long after I was making payments. As a result, I was continually owing on the interest rate, and this also caused no amounts to be paid towards my principal ; to date, my principal is still {$61000.00}. The longer I take to make these payments, the more interest they are accruing, and this is a scam structure and not fair. 

I need help to stop this kind of misleading and scammy presence. They need to be sued for fraudulent business practices. I hope you can assist me, please. 

It is worth noting that approximately 10 Attorney Generals from different states, including Illinois, where I currently live for my military assignment, joined to put a stop to this practice.

Company response to consumer: Closed with explanation