vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: UT

Complaint narrative:
Hi, Today I received a letter from " I.Q. Data International , Inc. '' stating that I owed a Principal Balance to a previous apartment complex named " XXXX XXXX '' out of XXXX, CO in the amount of {$2700.00} + Interest of {$570.00}. 

I have confirmation that this debt was paid XX/XX/2021. I have provided proof and they want me to call back weekly - every Friday? 

This is false debt and has been paid and the amount showing on the account due from the apartment complex is fully paid with a {$0.00} balance from years ago. 


Thank You,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI

Complaint narrative:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

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 2023-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX BANK OF AMERICA CHARGED ME XXXX from XXXX. I wasnt aware this account was mine or even open because I had a Business account effective XX/XX/XXXX. XXXX provided the bank with information that it was a recurring charge therefore Bank of America allowed the charge to go through despite the fact the credit card had been closed do to fraud charges on the account. I didnt notice the charge in XXXX or in XXXX quite frankly because my son died on XX/XX/XXXX and I failed to review charges and just paid credit card. always in full and on time. When I first noticed the charge I called XXXX and was told they did not have that charge on my account and to contact the bank. because they were looking at my business account. The only account I was aware of and they were aware of. So, BOA reversed the credit. I called and attempted to explain the whole situation, however they were not goin to budge unless I could show proof of cancellation. Today I was finally able to get into this account and it was under an alias email account that I never had access to and did not know it existed. The account showed the emails were never opened and there was no computer of mine that was using the account. Once again I called XXXX and they closed the account. They told me to contact the bank to pursue a credit because 30 days had passed. I tried to explain everything to BOA and once again they would not listen to my explanation. I have emails from XXXX proving everything I am saying is truthful. I did not ask for a credit on the prior 2 years I was charged for the account that I was unaware I was being charged for. I take responsibility for not verifying the charges on my bill regardless of life circumstances. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account Name -XXXX XXXX XXXX XXXX  Law offices of XXXX Account number 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.

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 2023-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC
State: MD

Complaint narrative:
Vehicle was totaled XX/XX/22 payoff was sent but during the process they added late fees while they held the check for 3 weeks. American Credit Acceptance then agreed to waive XXXX fee but have not even though they have several notes confirming that they will waive. Now it has been 3 months and it is still showing open and balance owed on all 3 credit reports. Just spoke to XXXX ( a member of management ) and was advised that the fee shows waived in one system but not another and he would have to contact the credit dept to escalate meanwhile this will be the 4th month that they have reported this loan as open and late to all 3 credit company 's.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion reported an account # XXXX XXXX XXXX XXXX. I have provided court documents that show I do not owe anything. This needs to be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America is refusing to give me the credit back for purchase that I did not make, someone charged to my credit card {$6300.00} twice in XXXX on XX/XX/2023

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 monetary relief
Consumer complaint received 2023-02-03 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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

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 2023-02-03 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: NJ

Complaint narrative:
I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

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 2023-02-03 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: NY

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

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 2023-02-03 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
XXXX I advised Chase Auto Finace to XXXX XXXX XXXX. On XXXX Chase Auto Finance put in a Order To Repossess my personal property ( The Vehicle ) in which was assigned to XXXX XXXX XXXX XXXX, Signed by XXXX XXXX. On XXXX XXXX XXXX XXXX XXXX illegally seized my personal property ( The Vehicle ) without my consent. This company told me to schedule an appointment in order to get my personal belongs, before I could do that they instructed me to turn over the keys to ( The Vehicle ). I filed a poilice report with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for stolen vehicle. On XXXX I went to the LOT where ( The Vehicle ) was held, Called the local police department in that area to retrieve my personal property, then I was told by XXXX XXXX XXXX XXXX it was an Order To Repossess in place on my personal property ( The Vehicle ). I also found out that knowingly and willingly these compianies conspired these unlawful acts against me. Both companies was aware of the 1st XXXX XXXX XXXX ordered and continued to proceed with unlawful acts. I will incude a peronalized letter, picture proof of the fraudulent act, the first initial XXXX XXXX XXXX order, and ATTEMPT TO COLLECT A DEBT FORM.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: CT

Complaint narrative:
I am applying for a loan modification with the VA and with Loan Depot. When my application was approved for the modification process with the VA. I was told on two separate occasions that I did not need to make any payments towards my mortgage until XXXX 2023. I spoke to 2 different people. One was a man and the other a women. Both advised me that I did not need to make any payments. I listened to their advice. 

Today XX/XX/2023, I spoke to a representation from Loan Depot to make my loan payment. I was told by her that I should have been making payments and that the information that was given to me was incorrect and that Loan Depot did not train their representatives well enough. I am behind on my mortgage XXXX due to the information that was provided to me by loan depot representatives. Is there anything that can be done about this?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: GA

Complaint narrative:
This collection account ( XXXX XXXX  ) is a fraudulent account, i dont recognize this account, I want it removed from my XXXX and transunion reports, i have sued XXXX and won my case because XXXX has leaked all my personal information on the dark web, and my information was compromised, I have fraudulent accounts show up on my credit reports and I have been disputing these accounts constantly, I want this account deleted and blocked from my report, im tired of my name being used to open an accounts in my name, and please no fraud alert on my report thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

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. 

XXXX XXXX XXXX Account # 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 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 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have contacted XXXX who has directed me to Equifax and XXXX. Equifax and XXXX who keeps directing me back to XXXX I am an authorized user on this account and it use to show on my Equifax and XXXX but it seems they have removed the trade line in correctly. I need it to put back on my Equifax report and XXXX. I am getting no where with anyone. Below is the beginning of the account number. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX off XX/XX/2016 misinformation on all three-credit reporting in which the account sent to two other collection agencies, and four the past six years paying repair companies and reinvestigations. on and about i called XXXX XXXX XXXX and was forwarded to another collection company in XXXX  and was paid in full, Experian shows thansfer XXXX and XXXX shows Charged off with different dates. 

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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to my consumer to any. Consumer reporting agency 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 2023-02-03 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: Rent Recovery Solutions
State: TX

Complaint narrative:
XXXX reported an account # XXXX Rent Recovery Solutions. I have provided court documents that show I do not owe anything. This needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: CarMax, Inc.
State: FL

Complaint narrative:
Contacted the dealer to notify them that different companies inquired on my credit being that a fraudulent application was made through their company. I told them that I do not authorize any one nor did I give authorization to run my credit to apply for any kind of financing with company and they stated that it would be moved and I have even addressed all the lenders directly and all directed me back to the dealer Carmax and theyre refusing to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: MARINER FINANCE, LLC
State: OH

Complaint narrative:
Mariners Finance is going into my report bureaus ( XXXX ) and putting inquirys on it behind my back, I have not applied for any loans through them, did that long time ago and they ripped me off so I learned a lesson they are underhanded and are allowed to do damage to others. 
I was receiving offers via U.S. mail, I would send them back telling them I am not interested stop mailing your garbage to my address, this didn't work, so I went online to a OPT OUT ALL IN ONE website and opted out of all junk mail coming to me, that didn't work, they still mailed me, so I emailed their main firm in XXXX MD and demanded they remove me and stop bothering me, they said they would, but now here 's this! they are going into my credit bureaus and snooping around, I never opted in to receive any marketing mailings from anyone of any sort yet these crooks wont leave me alone

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
My monthly XXXX bill was {$10.00} every month until they put me on a new plan without my permission in XX/XX/XXXX. That new plan was {$50.00}. I had auto pay on my account so they took my money. I canceled my service, and they refused to send me a refund so I disputed the charge. They gave me a XXXX cent courtesy credit so they want {$50.00}. I received a letter from a collection agency today XX/XX/XXXX. {$50.00} is what the collection agency is going after.

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 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have contacted chase who has directed me to XXXX and Transunion. XXXX and Transunion who keeps directing me back to chase. I am an authorized user on this account and it use to show on my XXXX and Transunion but it seems they have removed the trade line in correctly. I need it to put back on my XXXX report and Transunion. I am getting no where with anyone. Below is the beginning of the 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 2023-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
I have contacted Shellpoint ( Newrez ) several times regarding my homeowners insurance on loan XXXX. They refuse to pay my homeowners insurance to travelers insurance policy # XXXX. Now it has expired, and shellpoint is fraudulently charging my escrow account for overpriced insurance that they purchased for me. Shellpoint refuses to address this issue and I have wasted hours on the phone with them trying to get them to do their job which is to pay my travelers homeowners insurance. I want a refund on the fraudulent overpriced insurance charges placed on my escrow account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation