vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
In XX/XX/XXXX, I used a company called Loan Pal to get a loan. I used the loan for solar power on my home, buying all the parts and installation from XXXX XXXX. As happens, my original loan sold from Loan Pal, and I now owe the loan to Good Leap. My complaint is about Good Leap 's threatening practices. 

In about XX/XX/XXXX, I became unable to make loan payments on time. I explained to Good Leap I am not working or receiving money and am behind due to serious illness. They have now left a letter left taped to my door threatening me with coming into my ( fenced and gated! ) back property, and disconnect the solar panels on my house. 

First, I understand I owe a loan, but the solar panels they are threatening to disconnect were neither purchased from them, nor by them. It seems illegal since they only bought out a loan from Loan Pal. Second, can they really trespass into my property and/or break or mess with my house/home or connections because I'm behind paying?! Even car mechanics can't come open your hood and break your car if you get behind, or electricians and plumbers aren't allowed to come in your yard and tear out previous work if your check is late. I have never known such an unreasonably hostile and unprofessional acting company. I'm left freaked out someone is going to break in my gate where my loose, beloved, pets live, and then break the house connection that actually XXXX XXXX came and hooked up. What do I need to do, or can I do to make them cease this threatened and seemingly illegal action?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
FRCA Violation auto loans late payments XXXX XXXX  FRCA Violation student loans U S DEPT OF EDXXXX U S DEPT OF EDXXXX U S DEPT OF EDXXXX U S DEPT OF EDXXXX U S DEPT OF ED/XXXX FRCA Violation personal loan late payments XXXX XXXX XXXX XXXX FRCA Violation collections AMSHER COLLECTION SERV XXXX XXXX XXXX FRCA Violation inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation personal information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
FRCA Violation auto loans late payments ALLY FINANCIAL FRCA Violation student loans U S DEPT OF EDXXXX U S DEPT OF EDXXXX U S DEPT OF EDXXXX U S DEPT OF EDXXXX U S DEPT OF EDXXXX FRCA Violation personal loan late payments XXXX XXXX XXXX XXXX FRCA Violation collections XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation inquiries XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ALLY FINANCIAL XXXX XXXX XXXX XXXX FRCA Violation personal information 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 explanation
Consumer complaint received 2022-04-09 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: TX

Complaint narrative:
For the last 8 months I have been trying to get inaccurate information corrected and updated on my two XXXX accounts. These accounts are showing I was 120 days past due in XX/XX/2016. I have sent copies of my entire XXXX  payment ledgers I received directly from XXXX that validate i was never past due. Each time Equifax has said these accounts are being reported accurately. That is impossible as 1 : the payment ledgers I have submitted are directly from XXXX. I contacted XXXX to ask why they are reporting the late pays as accurate to which they responded they do not respond to disputes once the loan is paid off. I have asked Equifax on three separate occasions to tell me the manner of investigation and to send documentation they received from XXXX that made them disregard the Ledgers I sent to them I received directly from XXXX - Equifax has failed to send this.. 

I also have a collection placed on my Credit Report I sent Equifax a copy of the the letter from the collection agency that said the account is to be deleted XXXX to from my credit report - I sent in the letter and XXXX would not delete it. I asked the Rep at XXXX why this wasn't being deleted and the response was its illegal for XXXX  to remove items from a persons credit report. They are in possession of the letter stating it is to be deleted and are knowingly & willfully keeping inaccurate information on my credit report. 

I don't know what to do or how to get Equifax to remove this inaccurate information when they are in possession of my entire payment history with XXXX and XXXX  is communicating they are not confirming the information as accurate and their right out refusal to remove a collection account when they are in possession of a letter from the furnisher stating it is to be deleted except to seek legal action against Equifax. 

Equifax is in violation of the CFRA and I will be seeking legal action against them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: IL

Complaint narrative:
Hunter Warfield CORPORATION SERVICE COMPANY XXXX XXXX XXXX XXXX XXXX  XXXX District of Columbia, XXXX To : The Office of Registered Agent for Hunter Warfield From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX Acquistions are authorized to administrate ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to theConsumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation forMonetary damages. Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA.

Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/22 I alerted USAA FSB that there were some unauthorized debits to my account. Since then, USAA has frozen my account and has declined all payments, standing charges, and declines all other transactions. My account is flagged as requiring a specialist but all attempts to contact the bank have failed. I have been placed on multiple holds of 3-12hours, all of which resulted in disconnections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Today, XX/XX/2022 I entered into a consumer credit transaction with American Express. American Express denied me of my own credit. Pursuant to 16 USC 1691 ( d ) ( 6 ) I, a consumer can not be denied for credit ( only insurance and employment ) after the transaction was already complete with the credit application. Pursuant 15 USC 1601e ( b ) failing to comply shall be liable for punitive damages in an amount not greater than {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
On XX/XX/2021 I had called XXXX to cancel my auto policy. When I called the woman I had talked to went through the information, I had told her I chose a different provider to go through for my auto policy. She looked up my account and said I needed no further information she apologized the company didn't satisfy my needs and hung up. For the next 3 months I was harrassed by XXXX with phone call after phone call. Asking me to reinstate my coverage although nobody ever told me of this current balance that I apparently owed. I repeatedly told them no thank you and was finally put on a no call list. I then moved addresses. Being unaware of the mail being sent to my old address. Until I received the debt collector letter the nice people who live in my old house tracked me down to give me this letter. After almost a year of not having coverage with this company I am irate at the fact that they are not willing to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX bankruptcy discharged Account # XXXX, 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 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 explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE.

I recently received a copy of my Transunion consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-04-09 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In XX/XX/XXXX I received a letter dated XXXX XX/XX/XXXX from my credit card company informing me that there is a possibility that your personal information might have been exposed in the Equifax breach announced in XX/XX/XXXX. The letter was sent to my po box in XXXX where I had recently moved to begin a new job. 

From the Equifax website I got inconclusive results when I tried to verify my involvement in their breach. I alternatively got results stating I WAS affected and then that I was NOT affected when I searched their system. Assuming the former to be likely, I filed a claim on XX/XX/XXXX requesting, via the Equifax Data Breach Settlement Claim Summary, enrollment in Option 1, Credit Monitoring for which I would be sent instructions to your email address or your home address.

This never happened. I assumed for the past 3 years that I was receiving their credit monitoring. Only on XXXX XX/XX/XXXX did I receive an email from Equifax informing me that I was not a member of the Settlement class and not eligible for settlement benefits. Their email referred me to a phone number for the Settlement Administrator. 
A phone call to the administrator ( XXXX XXXX XXXX ) resulted in that entitys inability to find my name or social in their list. They gave me a number to call at Equifax, which simply referred me back to the XXXX phone number.

Just for grins I decided to attempt to obtain my free annual credit report online from Equifax. These efforts were also stymied with unexplained failures of their system. After hours on the phone I managed to speak with an Equifax rep, presumably in the XXXX, and she reported that according to Equifax records, my address was still a po box in DC ( actually closed since XXXX when I had moved to XXXX ). This is very strange since the Equifax Data Breach Settlement Claim Summary mentioned above for which I printed my signed copy, gives my correct address in XXXX as of XX/XX/XXXX, and my phone number and email on this form remains the same as it was then. She was unable to give me online access to my credit report but had it mailed to me. 

I also responded to the XXXX Equifax email on the link they provided, but have had no response from them regarding what they want by way of " proof of Class Membership. '' Obviously, Equifax is in no position to monitor anyones credit if they cant even keep our addresses up to date, despite having them in their own legal records, entered in their own system, and corroborated by all the agencies whose data they harvest. The fact that I have gotten no satisfaction from Equifax almost 5 years after my data was compromised, shows them worthy of investigation and stiff fines from the Federal Government.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Credit acceptance I did not authorize nor give consent to the following increased being furnished on my Consumer Report. 
XXXX XXXX / XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: MS

Complaint narrative:
I recently got a late payment ( XXXX ) notice from multiple credit monitoring services. The recent late payment notification was reported by TRANSUNION INFORMATION SERVICES on a closed charge off account ( XXXX  ) that has been closed for over 3 years. This should be impossible. This inaccurate reporting of a late payment on a 3 year old closed charge off account dropped my score XXXX points! Inaccurate reporting is a violation of the FCRA. And the listing of this account as open is coming from TRANSUNION. I disputed this with Transunion asking for this to be corrected and the account deleted. They only deleted the late payment but not the account. Leaving me with a XXXX pt hit on my FICO and now credit reporting services are starting to report me as having a recent late payment when in fact i have not been late in over 2 years. The way this account is being reported is a violation of FDCPA. AND FCRA

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 2022-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Conn's, Inc.
State: TN

Complaint narrative:
I purchased three tv mounts, washer and dryer and king size bed with mattress at Conns XXXX  in XX/XX/2021. I made my first payment of XXXX dollars in XX/XX/2021. I received phone calls stating that my account was late even though I paid before time and more then the minimum balance. I was then informed that I had two separate accounts and the balance only went to one account. I asked why did I have two accounts when I purchase all these items at the same time. They did not have answer and stated that they could merge the two accounts together when I bought the other account current however, this never occurred along with multiple phones calls and asking for this request. I begin to pay in large amounts in order to pay off the accounts. XX/XX/XXXX I paid XXXX dollars. I have asked for documentation of my payment history and yet have received. I noticed when paying large amounts of money my balance was not decreasing. I called and asked if they had applied interest to my purchase. I was informed that a interest rate was applied. I signed a contract that started that I had 12 months interest free. I looked up the interest rate which was 29.99 % that the company did not inform me of. The company refuses to take off the interest. I have tried on several occasions to reconcile the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX bankruptcy discharged Account # XXXX, 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 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 2022-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: OH

Complaint narrative:
The company has called me 7 times since XX/XX/XXXX, most recently today at XXXX. Each time they ask if they " have the pleasure of speaking with the owner of such and such company '' I do not own the company, not associated with it, never heard of it. Each time I have told them they have a wrong number and to remove me from their list, not to call again. They continue to call. I have gotten more aggressive on these latest calls letting them know that this is now harassment and they are breaking spam laws. Told them I would report this to the FCC or whoever handles it, and this is one attempt to do so. The company is here : The Offices of Credit Management , LP XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ( XXXX ) XXXX They are calling me from various phone numbers starting XXXX # # # # I can not get them to stop and I want them punished for violating my rights.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: MO

Complaint narrative:
There are several inquiries on my credit report that I did not recognize, and I did not give these companies permissible purpose to pull my credit. I have disputed them directly with the credit bureau and have not gotten a satisfactory response. I have reach out to the companies listed as having made the inquiry and they stated they would not be able to help me since I do not have an account with them. These listed inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. 
never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. 



Below are the inquiries in question. 


XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX. XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX. XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation