vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Williams & Fudge, Inc
State: DC

Complaint narrative:
I had communicated to XXXX XXXX representative XXXX XXXX XXXX XX/XX/XXXX, on reducing and reinstating payments for a balance of {$10000.00}, due to the fact that normal debt repayments were difficult due to the effects of COVID-19. Also, I pointed out that the amount that they originally assessed to me had a great deal of late fees posted after dispersal of my XXXX loans, which were supposed to cover the full balance of the debt in the first place. 

On XXXX XXXX, XXXX, I received a call from Williams and Fudge ( W & F ), regarding an alleged debt of {$12000.00}, on behalf of XXXXXXXX XXXX When I called XXXX about the original balance of {$10000.00} and why it was increased or sent to a debt collector when I was in good standing with them on that same date, I only received evasive answers, with the representive XXXX XXXX stating that the office mailed over notices to an old address in XXXX. However, they have not provided copies of the letters that they sent, nor did they confirm that I received them, even though I was in active email communication with their office for several years now. I only became aware of any delinquency when I received a call from the debt collector, W & F. 

In my own letters to XXXX and W+F dated XXXX XXXX and XXXX XXXX, I requested that I get my original payment plan with XXXX to be reinstated, due to the ongoing effects of COVID-19 slowdown and due to the fact that they have a documented case where they have offered a reinstatement to a XXXX in a very similar situation ( re : Tiene v. Drexel, 2020 ). W+F only provided incomplete verification on XXXX XXXX, with no explanation for the increase and without the full contact information of the XXXX representative, XXXX XXXX, that was supposedly supervising the debt collection. 

Additionally, I requested that W & F not contact me until I received full verification of the representative at XXXX and the reason for the change in the bill amount, but that request was repeatedly violated. 

After sending a second notification asking for this information from XXXX and W & F, I reached out to a class action site ( XXXX ) for additional information and support regarding payment issues with other students in their database. Their site does not guarantee representation or even direct contact, but claimed they possessed additional information about similar cases. I did not promise confidentiality with XXXX, in any case or during any communication. 

One day after I submitted this query to XXXX XXXX XXXX  ( XXXX XXXX ), I received another call from W+F about the amount they claim is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of 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 2023-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLIANT CREDIT UNION
State: FL

Complaint narrative:
When I called Alliant CU about my bill pay and wire transfer. I got a run around, 1st I was told a false reason why my bill pay would not work then the agent spent 40 minutes finding out it was not the false reason she had made up. During this time I could not find out the issue with my account which was not associated with what she was doing. She repeatedly insulted my XXXX even after I asked her to stop saying things that were triggering my XXXX. She refused and kept putting me on hold when I asked her not to. She put me on hold for 20 minutes stretches and on the final one came back and told me she was instructed to hang up on me. I asked about my wire transfer and she said she was hanging up on me. I now do not know if my money is being transferred as I requested or not. I have asked the XXXX to accommodate my XXXX with effective communication for me but thus far the XXXX has not accommodated my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ZWICKER & ASSOCIATES
State: IL

Complaint narrative:
I had 2 credit cards with XXXX Bank. After losing a baby, losing my father, and losing my job I had fallen behind on paying them, however I had made arrangements with XXXX to make $ XXXX payments on each credit card. They could not provide me with account numbers and suggested to just schedule the payment through my bill pay and as long as I had those scheduled, no further action would be taken. I have had both payments scheduled since that moment for the XXXX of every month. They're not cashing the checks until the XXXX of the month. While that's suspicious, I had not heard from XXXX until I found out that someone was trying to serve me papers at an old address. XXXX sold my debt to Zwicker Associates PC without notifying me of that action. I've requested that XXXX take the debt back and continue with our agreement to no luck. While they have stated they're okay with Zwicker contining $ XXXX payments without a judgement or wage garnishment. I've not been able to make an arrangment with Zwicker or get a call back of any kind. They did not send any type of notice prior to submitting my debt for judgement. I've requested a debt validation letter and have not received anything back. My daughter tried to commit suicide earlier this year and the collection efforts performed by Zwicker have caused undue stress and XXXX. Forcing me to consider bankruptcy. A judgement or wage garnishment will affect my employment negatively as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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: PA

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from 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 2023-09-08 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: AL

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. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX : # XXXX, XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

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 2023-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hello my name is XXXX XXXX XXXX, and Im making a report because I have become aware my father XXXX XXXX XXXX, has opened a credit card account without me knowing or having knowledge of the account. 

I became aware of the account XX/XX/2023. He spent {$2200.00} of the XXXX limit. 

Chase has closed the account, but I just want to make sure it wont affect my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 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: FL

Complaint narrative:
I have a paid charge off that has been reporting on my credit for a couple of years now. This paid charge off has a huge impact on my ability to secure favorable credit terms and financial opportunities. I have attached supported documents from the ACTUAL creditor. I kindly ask that you conduct a thorough review of my account and consider the removal of this paid charge off. I trust that this documentation will aid your evaluation and decision-making process.

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 2023-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 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: OH

Complaint narrative:
I am currently in the process of trying to buy a home and pulled my credit report and realized there are a lot or fraudulent activities of identity theft on my report. I filed an FTC report to have these removed due to law 15 u.s.c 1681 there should be no damages to my report as this is ann defamation to my character and they have refused to remove these items. Experian, XXXX and XXXX have all Refused to remove these after numerous attempts. The fraud happened in cities and states I have never been to and I would like these removed from my credit report as they do not belong to me. This is hurting me from being able to purchase a home my current home is being sold and without these off my report I do not qualify for a mortgage. After multiple attempts these companies refuse to investigate and remove these from my credit report this is a defamation to my character I have sent these twice to each company and I will upload two separate copies of two separate reports that were made.

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 2023-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST PORTFOLIO SERVICING INC
State: MA

Complaint narrative:
My account had an available credit, then the company without any advance notice charged me an annual fee which was fine but I should have been notified in advance as the fee put my account over the limit. I immediately made a payment to bring my account to a positive. That payment posted to my account within 2 days. Then I Made my monthly payment on XX/XX/23 from the same bank checking account that all my payments have been made from for over 2 years. As of XX/XX/23 my payment still has not been posted to my credit card account. This payment cleared my bank on XX/XX/23 and the credit card company has received the money but are still holding my payment for 14 day because payment was made with unsecured funds ( personal check or AFT ) then the charged my account the monthly maintenance fee that again put my account over the limit. They have never ever in the history of my account help my payment for 14 days. This is not right. If the process my payment and it clears my bank then that payment should be posted to my account not held for weeks after they received the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX we had an emergency with our pet ( dog ) and we went for medical treatment to XXXX XXXX XXXX, located in XXXX, CA. Due to the high cost of the treatment for our pet we request a credit to the company CareCredit. The credit card was approved and we were able to get the medical services we needed to saved our pet life.

When we get the approval, nobody give us any information about a " Promotional Offer '' nor something similar, not even the people of XXXX or CareCredit. 

After this emergency, we start doing the payments directly to CareCredit, using their app, because this is not a regular credit card, and we didn't have any other transactions to be aware of, we just proceed every month with the payments. 

On XX/XX/XXXX we noticed the balance in the app was pretty much high the since we started doing payments and the last month balance, so I checked the statement and we noticed that a charge of {$1900.00} for " interest charges on purchases '' was applied to our balance, we were in shock, because they were charging interest fees every month, so we thought that this should be a mistake, and therefore, we proceed to call the company CareCredit to get this issue resolved. 

The customer service representative was very rude, telling me that we know about this " special promotion '', we tried to explained them that nobody, ever, explained XXXX something about this deferred interest, and we weren't aware of this. The customer service representative, again in a very rude tone told me that even if nobody explained me that we had " deferred interest '' promotions in our card, we are responsible and if we want to get this charges removed, we must do a payment of {$1800.00} ( more/less ) before the XX/XX/XXXX. 

This is not just unfair but misleading, this company is charging a huge interest ( the original loan amount was {$3700.00} and the interest is {$1900.00} more than 50 % not including the other interest charges they made before ). They treat customer in a very rude way and push you to pay this abusive interest with no way to resolve this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-08 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:
Transunion, XXXX, and XXXX continue to report inaccurate information that is damaging my consumer report. 

DEPTEDXXXX  Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2023-09-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: CO

Complaint narrative:
XXXX XXXX XXXX hasn't sent me a single item or call so I haven't been given any opportunity or means by which to repay the debt. XXXX dispute options were limited so I had to call them, but XXXX removed it on this basis, and as yet it's not on XXXX. 

They haven't contacted me prior to reporting nor since.

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 2023-09-08 00:00:00
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
It starts 2020. They taking payment someone account. Also my account. When. Other people find and called me. To stop payment. So I call then. Please refund ther money to ther account and put balance on my account. They put balance on my account. But never returned money to other accounts. Like alo most XXXX. It capital one criedt card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC
State: OH

Complaint narrative:
On XX/XX/2023 I was In a car accident that resulted in a total loss. I had a title loan from Wilshire consumer credit which reports on my credit as an auto loan which is not correct. I owned this vehicle before getting a loan with Wilshire consumer credit yet they have been reporting this as an auto loan. I spoke to a representative on XX/XX/2023 to let them know I was in the hospital and was in a XXXX XXXX with me and XXXX XXXX children age XXXX and XXXX. And asked if I can have an arrangement set up to pay off remaining balance in XXXX. They refused to accommodate me in any type of way and reported that I was late on this payment in XXXX. This is drastically hurting my credit report and I would like this corrected. I asked if I could push a payment to the end of the loan I was told no even though my contracted stated I could. I asked on XX/XX/2023 if they could removed this late payment from XXXX after I paid the full balance off the title loan In XXXX and they also told me no. However in my portal on their website they are reporting that I paid the vehicle off on XX/XX/2023 and I will attach proof how can I paid this car completely off on this date when my accident was on this date XX/XX/2023 this agency is reporting things fraudulently and inaccurately and has been reporting as an auto loan to my credit when I owned my vehicle outright before getting this loan. They are reporting this fraudulently as this is a title loan not an auto loan for purchase. title loans do not report to consumer reporting agencies and they have been reporting as such. I would like this late payment from XX/XX/2023 removed from my credit report as this is inaccurate information. I would also like this fraudulent auto loan removed from my Consumer report all together as this was a title loan and not an auto loan. As for law 15 u.s.c 1681 this is defamation to my character and Credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation