vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: AL

Complaint narrative:
I Have not received proof of bill, The Consumer Credit Reporting Act Requires anything on a credit report for the person when asked to provide proof of debt including full break down of charges, This has not been supplied to me, It is also against the law for this person to have my medical record since I have not given them access under HIPPAM they are therefore not allowed to view my medical information, I request that they immediately cease all activities and remove my record from their system and remove the report from my credit report as they are not allowed to have it there with being able to prove exactly what it was for and service rendered with a break down. It is showing they Sold to them by XXXX XXXX XXXX XXXX, and It was listed as them before on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

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 2022-12-08 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: AL

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 PLEASE SEE LETTERS FOR REFERENCE

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 2022-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Admin Recovery, LLC
State: RI

Complaint narrative:
This Debt Collection Company has called 16 times since XX/XX/2022, in addition to contacting family members more than once. Calls are repeated and unrelenting.

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 2022-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Foursight Holding LLC
State: FL

Complaint narrative:
I financed a XXXX XXXXXXXX from Foursight Capital, I made my payments on time every month between XX/XX/XXXX to XX/XX/XXXX. I trade in the XXXX for an XXXX XXXX XXXX, at XXXX XXXX XXXX XXXX, now my XXXX is being financed with XXXX XXXX. I've been making my payments for my new car the XXXX from XX/XX/XXXX- to currently. I'm checking my credit and the XXXX is still reporting on my credit, and I have 4 months of late payments due to this. The XXXX with Foursight Capital should be closed and with no late payments since I made my payments before I trade in my XXXX I need this updated because it's been hurting my credit drastically, and also I have a family, and this hurting our chances of purchasing a home. This is bringing my family a lot of stress, I tried contacting the dealership, and the bank ( Foursight Capital ) for months now, and no changes have been made. I attached paperwork confirming the trade-in, and payoff for the XXXX for Foursight Capital

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat ~ payment on a credit card account under on open end consumer credit plan as late for purpose.

335

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 2022-12-08 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: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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 XXXX 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 PLEASE SEE LETTERS FOR REFERENCE

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 2022-12-08 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: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
On XX/XX/2020 XXXX pulled my credit without my authorization. I am trying to get a pre-approval for a home loan and it showed up on my credit report. I remember they asked if I wanted a credit card and I declined. My maiden name is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I have a credit card for a TJ Maxx I opened about two years ago ( XX/XX/2020 ). My last name was misspelled and, for some reason I dont recall, it couldnt be fixed at that time. I just let it be because I still could use the card normally and I didn't think it'd be an issue. 

Fast forward to this summer, I'm in the middle of the process to get into my current job and I noticed that on my background check report it appears my misspelled last name on the " other names '' section. So when I went to a different location and asked if they could help me to correct my name there. They said yes and I put in the information they asked for- thinking it was to find my account to modify it. At the end they told me the system wouldnt allow it so I should call. I honestly dismissed it because I dont use that card that often and, again, didn't think it would cause a problem because my current legal name has always be the same. 

However, I recently was checking the activity in my report and I saw I had a new inquiry by SYNCB/TJX that was declined on XX/XX/XXXX. Apparently the way the cashier helped me was submitting an application for a new card without my consent, not fixing my name.

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 2022-12-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I did not give consent for this company to use my personal information for any reasons and by doing so have violated my rights and privacy. Not Only did they use my information they also used inaccurate information at that, damaging my reputation. The Company I am Referring to but not limited to is Equifax, Credit Bureau XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I have a credit card with Comenity Caesars reward visa, I paid my monthly statement on XX/XX/22. on XX/XX/22 I noticed that XXXX was taken from my bank as a payment to said credit card. when I called, I was informed that a letter had been sent to me on XX/XX/22 ( 2days earlier ) ; and that I had agreed to pay XXXX, I have received no such letter or agreed to pay an amount that I do not have available at the bank, I had already made my monthly payment of XXXX on XX/XX/22 why would I make another payment the same month. they always say that the conversations are recorded, I have not been offered to listen to any conversation that I allegedly agreed to. I want this credit card company investigated ; I can not be the only one they have done this to especially around the XXXX. this is a total fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Commenity bank has not reported my payments since XXXX of this year. I paid the card off on XX/XX/2022 but it still shows a balance on all the reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Associated Credit Services, Inc.
State: GA

Complaint narrative:
Associated Credited Services is repeatedly calling my phone. When I answer they drop the call. Im not sure why they are calling me. I have not received any notices in the US Mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I had automated monthly payments for parking rent paid through XXXX. These payments started XX/XX/XXXX and had no issues. 

On XX/XX/XXXX the pament was not accepted. The payment also expired on XX/XX/XXXX. However, on XX/XX/XXXX the payment was accepted. On XX/XX/XXXX I was informed by My payee they did not receive it. 

on XX/XX/XXXX I called chase bank to file a complaint. According to a chase bank representative, the registration of the phone number associated with this account changed. Someone changed the phone number to being registered with a different account so even though the funds were sent to the same place, they were diverted to a different account. I was then transferred to a different representative to file a claim in a process that left me on the phone for 39 minutes without a resolution. 

I was not tricked into sending money to someone I didn't know. This was an automatic monthyl payment, and someone switched the registration of the account associated with the number in order to steal the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I contacted XXXX, Equifax, XXXX, XXXX XXXX, XXXX XXXX, via phone, secured email and via letters. All of the companies that I have listed will not respond to my request to remove inquiries in which no credit was given or account is made. They have not responded to my request to my rights of privacy of balances, history and installments. They have not notified me about any of my rights. All of the bureaus and companies that I have listed have expressed that they will not do harm to the consumers yet they violate us repeatedly by disclosing our information for financial gain for themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: AL

Complaint narrative:
I contacted Experian, XXXX XXXX, XXXX XXXX, via phone, secured email and via letters. All of the companies that I have listed will not respond to my request to remove inquiries in which no credit was given or account is made. They have not responded to my request to my rights of privacy of balances, history and installments. They have not notified me about any of my rights. All of the bureaus and companies that I have listed have expressed that they will not do harm to the consumers yet they violate us repeatedly by misusing our information for financial gain for themselves. 

XXXX XXXX sent me a letter months ago with a code that did not work after I requested that I have a copy of my consumer file. I was told that my credit profile was frozen but it does not look that way. 
XXXX has solicited my info to multiple sources. I froze my profile with them to but they have been furnishing my information directly and indirectly.

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 2022-12-08 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: AZ

Complaint narrative:
I have disputed specifically with Experian because this issue is only with Experian. Creditors are responsible for correctly reporting information to the credit bureaus. After having my information looked over by a lawyer and looking through the credit reporting laws myself, I want to make sure the closed account under XXXX gets taken off my Experian credit report. This is important because it has had an impact on my everyday health and wellness. I know Experian didnt check it because I asked Experian to send me the information, they used to investigate that the account is accurate. I asked them to send me the documents they used to verify this information and I still have not received any. So, I dont believe Experian investigated my account dispute deeply. FDCPA Section 809. Validation of debts [ 15 USC 1692g ] states that this information is supposed to be given in under five days. If written notice is not sent within this 5-day period, then Experian is in violation of the FDCPA.

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. Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions15 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 .

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 2022-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have been trying to link my non Wells Fargo account with Wells Fargo through the online bill paying system. I missed the first attempt due to buying a home and missing the deadline. So I called had my account restored and tried again on Sunday XX/XX/2022. What they are doing is making two small deposits into your non Wells Fargo account and then taking the money back. You then go to their site to put in the amounts and date and it links your non Wells Fargo account to their website so that you can continue to pay. They unlocked my personal bank account so that I could try a second time. Yesterday XX/XX/2022 at around noon they made the two deposits of {$.00} and {$.00}. I did not check because I had other things to do. I checked today to find that those deposits had been done but my personal bank account was suspended again at XXXX today XX/XX/2022 less than XXXX hours after the deposits. 
I then called the number XXXX which is on the email they sent saying it was suspended. When I called I was informed that my bank account number was wrong even though I have paid them from it for the last two years and that the bank account was deleted from their system. This makes no sense as I again have been paying with this account for 2 years. I asked for a supervisor and was told that they could see that it was deleted I asked by who and could not get an answer. I still have Wells Fargo 's {$.00} in my account. Lucky for me I am well ahead of my payments but can only imagine that the people who are not will have to go through this and pay late fees that Wells Fargo is essentially creating by not having a working system. If I had missed a payment my credit score would be hit and I would have to pay more money to them. They have continuously showed that they will do whatever it takes to make more and more money and pay the fine that is essentially the cost of doing business. Something needs to be done for those that have inevitably been hurt by this which I can guarantee will be low income families and people of 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 2022-12-08 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:
Per original complaint XXXX, which I can no longer access because it was closed based on the " goodwill gesture '' of XXXX XXXX on XX/XX/, I was provided with the following statement ( See below & attachment ) : QUOTE : Therefore, as a goodwill gesture, we will be removing the repossession from your credit history and we are working to eliminate the remaining balance of the loan. You can consider this letter as evidence that there is no longer a deficiency balance and your loan is considered paid in full. We hope that in the future, should a similar situation present itself, you would speak with members of our collections and/or customer service teams to keep us informed of your situation and allow us the opportunity to work through the challenges and avoid repossession altogether. Sincerely, XXXX XXXX XXXX XXXX XXXX MONETARY RELIEF AMOUNT {$3300.00} Instead, the debt was reported AGAIN after this as a repossession at the close of that month dropping my credit score again. After nearly 3 months with no intervention on the company 's part, I submitted a dispute with credit agencies using this document provided by XXXX XXXX as " evidence '' for removal from my credit report. Instead of the result of the dispute being a removal, XXXX 's response, despite furnishing the credit agencies with this document from the XXXX XXXX XXXXXXXX, XXXX XXXX as it was presented in the original complaint through the Consumer Financial Protection Bureau, was to immediately report the debt TWICE in ONE WEEK as DELINQUENT ACCOUNT, DEROGATORY, COLLECTION/CHARGE OFF, amount owing ( TWO different amounts on TWO different days - See attached ), which dropped my credit score with TransUnion ANOTHER XXXX points!! XXXX is showing recent delinquent reporting from XXXX ( see attached ) - actual score will be updated within a week. XXXX Dispute is currently still pending. I shudder to think what the end result of that will be. 

There are hardly words.

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 2022-12-08 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A Creditor may may not treat a payment on a credit card account hunter an open end consumer plan as late the purpose.

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 2022-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I e contacted credit bureaus and kohls  about the innacuracies. My date of first major delinquency was XXXX XXXX. They keep saying XXXX. Payment wasnt sent in XXXX and I had balance. They kept reporting I was making payments. I would like kohls to remove tradeline from credit report. Its actually been well o er XXXX  years. My next step will have to be legal action if a remedy isnt obtained.

Company response to consumer: Closed with explanation