vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
XX/XX/year> XXXX a Dispute With XXXX an XXXX, also complaint with CFPB an company responded with ( IRREFUTABLE ) information that was consistant with what i stated an account still wasnt removed. I high lighted there reponse proving balance Different amounts I have Requested copy or the original agreements that created the original debt that includes all signature of all parties. Also I requested proof of chain of ownership the includes proof of assignment that include change of ownership must be from that original creditor to the current owner without breaking chain. Also include a full accounting history from the original creditor including the date an amount of each payment, date of each delinquency leading to the collection status .If any interest of fees have accrued or been added onto the balance. Please send ( Proof ) that such fees are lawful and agreed upon in the original purchase. Proof that you are legally allowed to collect in the State of Alabama including your XXXX  party XXXX XXXX  XXXX. Also send proof that you sent the legally required notice to me before reporting this alleged debt to any consumer reporting agencies, including copies of original notice an any letter tracking your firm maintains FTC vs XXXX XXXX XXXX makes clear that it debt parking without proper notices is a violation of consumers rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: FL

Complaint narrative:
The XXXX XXXX XXXX RUINED my credit and still effects me today because of the items listed and Credit obtained through the Breach and bad actors.

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 2024-05-16 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I utilized my Kay XXXX credit card ( one I dont normally use ) to buy gifts for a friend for XXXX and forgot. In XXXX I received my first nasty call from Comenity. I admitted my error and made payments to make up the bill. I continued to make payments but continued to receive calls so, in XXXX I sent enough money to pay the account off. 
I received a call in XXXX about a late payment, confused I went online and noted that the {$500.00} check that I had sent to completely pay off this account had not been accounted for on my statement. I went next to XXXX XXXX to verify that the check had cleared my credit union. Indeed, on XXXX XXXX Comenity cashed check number XXXX for {$500.00} which should have paid off my account in full. 
I called Comenity and spoke to XXXX who informed me that he did not see a {$500.00} payment on any of my Comenity accounts. He went so far as to insinuate that he did believe I made such a payment because he could not see the cancelled check I was holding. We spent an hour on the phone and the best he could do was start an inquiry which he even admitted could take months to resolve and suggested I just keep making payments until its resolved. 
Not happy with that answer I took my cancelled check to my local Kay XXXX so someone could see the cancelled check. The associate there contacted her Comenity contact who within 2 minutes located my {$500.00} check which they had credited to my Lane Bryant account, even though the check was made out to Kay with the Kay account number on it. 
The Comenity associate I spoke to at Kay assured me they would correct the error, and all should be taken car of. Assuming all was good but still frustrated I went into the mall for some retail therapy. I headed for Lane Bryant because I was headed out of town and needed a few things. It was at Lane Bryant that I found out that Comenity had slashed my credit limit I assume because they said I wasnt making payments on my Kay account.

At home I checked my four other Comenity accounts and found the same thing. Comenity has slashed all four of my account limits that they hold because of essentially their error.

I have asked them to fix this more than one time now. They reversed a {$50.00} payment from my Lane Bryant account and credited to to my Kay card. But, in doing so they charged me a {$37.00} late payment fee on my Lane Bryant Card even tough they sill had the {$500.00} payment as well as four other payments on either side of my due dates. 
They have killed my credit report all over their error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: States Recovery Systems, Inc.
State: AZ

Complaint narrative:
I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
My Loan is with Shellpoint Mortgage : Address : XXXX XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, SC XXXX Phone : ( XXXX ) XXXX The Issue I am having with them is I have set up Autopay with My Bank so that a payment of {$200.00} dollars is submitted weekly to go toward my Monthly Payment. Shellpoint Mortgage is not applying the payments until it reaches the amount of the Monthly Payment. So if I go online it still shows that I still owe the full monthly payment and I am also receiving phone calls and text messages stating that I haven't made my payment. I requested that they apply for the payments as they come in so that I can see how much I actually owe on my Monthly payments. They refused and said that's not what their policy is. My origional loan was not throug them but was sold to them so now I have to agree to there policies without having any say in the matter?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX agent came to our home with proposal for solar energy he assured us that with solar installation there will be no electric bill but we will get money by selling electricity. XXXX agent said it would be {$40000.00}, after installation I paid {$150.00} to solar and at the same time I was receiving XXXX XXXX provider over {$500.00} to {$1000.00} pm since than I keep asking to check problem and I stop paying to Solar company lender XXXX. I am paying only to electricity not to solar since its just fraud fraud. 
XXXX XXXX got {$65000.00} from XXXX lender I never signed any documents for loan. 
I was shocked when they put to XXXX credid reporting company How can solar company do this without fixing problem my score dropped from XXXX to XXXX and I am unable to get any credit card despite many requests nothing happened still living with bad credit. 
I requested to remove solar panels immediately and explain why Solar company charging {$65000.00} when I never signed any documents and why I am getting high electricity bills its just fraud

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 2024-05-16 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
Im unaware of this debt. I didn't have a chance to dispute this debt. If you believe you gave me proper notification please sed me a certified mail receipt with my signature stating I received this notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
In my ongoing efforts to resolve discrepancies within my financial records, I have recently encountered significant obstacles in obtaining crucial information from LVNV, a debt collection agency purportedly responsible for debts attributed to my name. Despite repeated requests for documentation to validate their claims and establish the legality of their debt collection activities in my state, LVNV has failed to provide the necessary evidence, raising serious concerns about their practices and the validity of their assertions. 

Central to my inquiries is the request for a signed contract between myself and LVNV, outlining the terms and conditions under which any alleged debt would have been incurred and subsequently transferred to their agency for collection. However, despite multiple attempts to obtain this essential document, LVNV has consistently failed to furnish any such agreement, leaving their assertions regarding the debt in question unsubstantiated and lacking in credibility.

Moreover, I have also sought proof of LVNV 's legal authority to collect debts within my state, as it is incumbent upon debt collection agencies to adhere to state-specific regulations and licensing requirements. To my dismay, LVNV has yet to provide any documentation demonstrating their compliance with the laws and regulations governing debt collection activities in my jurisdiction. This failure to validate their legal standing further undermines the legitimacy of their collection efforts and raises serious doubts about their adherence to regulatory standards. 

The inability of LVNV to provide the requested documentation not only impedes my ability to assess the validity of their claims but also calls into question the integrity of their debt collection practices. Without verifiable evidence to support their assertions and establish their legal authority, LVNV 's actions appear arbitrary and potentially in violation of consumer protection laws.

In light of these concerns, I am compelled to escalate this matter and seek redress through appropriate channels. I will continue to pursue the documentation necessary to validate LVNV 's claims and ensure compliance with relevant legal and regulatory requirements. Additionally, I will explore all available avenues to challenge the legitimacy of any debts attributed to me by LVNV until such time as they provide the requisite evidence to substantiate their claims. 

It is my sincere hope that LVNV will recognize the seriousness of these allegations and cooperate fully in providing the requested documentation. Transparency and accountability are paramount in matters of debt collection, and I am committed to upholding these principles in pursuit of a fair and equitable resolution to this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX - XXXX {$220.00} XXXX XXXX XXXX {$220.00} XXXX - XXXX {$4.00} XXXX XXXX - XXXX XXXX  XXXX - XXXX {$39.00}

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 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

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. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX - XXXX {$220.00} XXXX XXXX XXXX {$220.00} XXXX - XXXX {$4.00} XXXX XXXX - XXXX XXXX  XXXX - XXXX {$39.00}

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 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

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 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

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 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Negative reporting .my information was sold or given to agencies I did not have a agreement with.

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 2024-05-16 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: IL

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX, and I earnestly hope for a swift resolution.

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 2024-05-16 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:
According to FCRA 605B, it's necessary to eliminate any inaccuracies from my credit report. I've noticed an error in my credit file, please rectify this. I'm entitled to {$1000.00} for each incorrect entry.

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 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Negative reporting .my information was sold or given to agencies I did not have a agreement with.

Company response to consumer: Closed with explanation