vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: TekCollect Inc.
State: CA

Complaint narrative:
I have been contacted during non professional business hours with repeated harassing calls. Most notable was the XXXX calls I received on XXXX XXXX while with family and resulting in disturbance at an Obscene hour. There are codes and conducts outlining professionalism and business conduct which are blatantly being violated by this collection agency in an effort to Harass me and cause my life extreme discomfort for a debt that i am not the owner of. This specific incident occurred on XX/XX/19 and phone records can be requested from cell phone provider. The problem has been on going for months. On XX/XX/19 a call was placed on my behalf to further dispute the collection and the creditor is contacting there customer who fraudulently amended the original bill to reflect my name and address in an attempt to collect monies that I do not owe. The collection company will not accept emails, has no legal team that I can contact and refuses to look at evidence and original bill to the responsible party that I have asked to provide. The collection company says they can only get the info from their customer the business which is committing fraud to collect monies from me unlawfully. Bad business practice and bully tactics to make money. Please help.

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 2020-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently obtained a copy of my credit report and noticed charges for a medical debt that does not belong to me and obviously a result of identity theft. i sent the bureaus letters asking them to verify the accuracy of the account and to send me all applicable proof as far as account statements, applications, signatures on applications services rendered but i haven't received a response. This is fraudulent and needs to be removed 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 non-monetary relief
Consumer complaint received 2020-01-03 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: FL

Complaint narrative:
I recently obtained a copy of my credit report and noticed charges for a medical debt that does not belong to me and obviously a result of identity theft. i sent the bureaus letters asking them to verify the accuracy of the account and to send me all applicable proof as far as account statements, applications, signatures on applications services rendered but i haven't received a response. This is fraudulent and needs to be removed 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 2020-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I already reached out to Experian and toXXXX CARD, XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX  and notify them of their error posting of information on my report. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations still persists on my credit report.

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 2020-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT. I HAVE NO KNOWLEDGE OF THESE INQUIRIES AND I ALSO HAVE NO IDEA HOW THEY GOT ON MY CREDIT. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 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: FL

Complaint narrative:
I am a victim of identity theft. I received a phone call from a bank about a loan that I had not applied for. That prompted me to pull my credit report to check for possible identity theft. I noticed that someone had been, and is still currently using my personal information to apply for credit cards and to open checking accounts. I CAN'T BELIEVE THIS!

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 2020-01-03 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: NRA Group, LLC
State: MA

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

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 2020-01-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
I'm writing a formal complaint against NetCredit due to failure to comply with my request to receive a transaction statement. On XX/XX/2019, I sent a written request for a transaction statement to show how my payments were applied towards principal and interest. NetCredit emailed me a copy of my payment history, nothing detailed of how my payments were applied. I spoke with several representatives who advised me my balance had increased due to interest incurring daily. I had this loan with NetCredit for a year at a payment of {$160.00}, which was automatically drafted from my checking account bi-weekly. As of today, my balance due is {$7000.00}. 

NetCredit has failed to supply me with a detailed transaction statement showing me why my balance is steadily increasing and failed to provide me with a breakdown of how the interest of 59 %, came to a payment of {$160.00}. NetCredit has not been transparent about the usury interest cap allowed for non-bank lenders outside of Georgia. I have a credit score of XXXX and NetCredit, still has me at an interest rate of 59 % for a loan amount of {$6000.00} with expectations of me paying back over {$21000.00}. NetCredit interest rate is higher than 59 %, which is not allowed in Georgia, and a violation of the usury law. I was provided an amortization schedule that shows different amounts from dates I've paid through ACH. 
As a consumer, NetCredit has provided inadequate and false loan terms and provided me a negative amortization schedule knowing the loan payment was too small to cover the interest which, is adding to the unpaid principal balance. Upon my research on NetCredit, I question if NetCredit is licensed to do business legitimately in Georgia. NetCredit has geared up to perform unfair and deceptive lending practices on consumers in Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I called Target on XX/XX/XXXX and was told if I made a payment of {$170.00} to bring my account current the 2 late fees totaling {$76.00} acceded on my account would be removed. 

I was on a payment plan to bring my account current and was told that I would no longer need be on the payment plan and the fees would be removed. I was also told my next payment would not be until XXXX as I would be back on a normal cycle since I brought my account current.. 

first fee was added to account on XX/XX/XXXX- {$38.00} second fee was added to account on XX/XX/XXXX- {$38.00} I asked the representative multiple times if the fees would be removed and he said yes. 

I received my target credit card statement on XX/XX/XXXX and I noticed the payment of {$170.00} was applied but the 2 fees where not removed.

I called Target on XX/XX/XXXX and had to call in multiple times because the representatives would hang up on me. I finally spoke with a supervisor and was told the original call recording from XX/XX/XXXX would be pulled to see what i was promised and I would receive a callback in 48 hrs. 

I did not receive a call back so I called target credit card company on XX/XX/XXXX and spoke with a different supervisor was told the representative on XX/XX/XXXX did tell me the 2 fees would be removed.

on XX/XX/XXXX I was told the fees would not be adjusted. I asked for a manager above the supervisor and was told no/ I was told it did not matter what the representative said on XX/XX/XXXX and the fees would not be removed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I AM NOW enlisting my consumer rights to compel you to ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-03 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: NJ

Complaint narrative:
I disputed some erroneous late payments with Equifax Credit Bureau. Their investigation failed to resolve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 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: BMW Financial Services NA, LLC
State: LA

Complaint narrative:
My account with BMW financial was reported late for the month of XX/XX/2019. This was my very last payment for my car loan. Before this late payment all previous payments was made 100 % on time. I contacted BMW to make payment arrangements for this payment. The representative assured me to make the payment by XXXX XXXX to avoid being late. I called in on XX/XX/2019 and made the total payment  of {$1400.00} per stated by BMW rep. Unfortunately, BMW still reported the payment late stating that it should have been made on XXXX XX/XX/2019. This have damaged my husband and I credit score horribly. I was only following the directions that I was given setting up the payment arrangements. I wrote BMW a letter explaining this. My credit report was updated to current shortly after but only with XXXX the other two credit bureau company 's was not. I contacted the other bureaus and was told that BMW refuse to update to current for the month of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 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 AM NOW enlisting my consumer rights to compel you to ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations.

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 2020-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I AM NOW enlisting my consumer rights to compel you to ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations.

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 2020-01-03 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: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 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: ERC
State: MA

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC
State: NV

Complaint narrative:
SEQUIUM ASSET SOLUTION  Acc # XXXX I don't owe them anything call the company and they said that they already removed from my file the collection company still reporting and they cant find it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I already reached out to Equifax and to XXXX XXXX, and XXXX XXXX XXXX XXXX and notify them of their error posting of information on my report. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations still persist on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: AL

Complaint narrative:
I have multiple complaints against Sunrise Credit Services , Inc . 
The first violation is that I never received the initial demand letter from the company to explain my rights under the FDCPA. They claimed that they emailed this to me within the 5 days of first phone contact but there have been court rulings stating that this is not a reliable method of delivery for initial demand letters. 
The second violation was reaching out to my phone after i specifically asked the collector to limit all communication to writing unless I prompted the contact. A week after I requested this I received a phone call from the company and when a rep answered the phone they hung up immediately. 
The third violation is of the TCPA. I never gave express consent to be contacted by an automated dialer and both times that the company reached out to me they did so by using an automated dialer.

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 2020-01-03 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT. I HAVE NO KNOWLEDGE OF THESE INQUIRIES AND I ALSO HAVE NO IDEA HOW THEY GOT ON MY CREDIT. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT. I HAVE NO KNOWLEDGE OF THESE INQUIRIES AND I ALSO HAVE NO IDEA HOW THEY GOT ON MY CREDIT. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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