vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmeriCollect
State: WI

Complaint narrative:
Received multiple calls from Americollect regarding a debt that I had no idea about. I inquired as to what the debt was for and informed them that I have two different insurance companies both cover ambulance rides. Americollect refused to listen and I further found out that the bill had been sent over by XXXX XXXX without them attempting to bill my insurance company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc.
State: WI

Complaint narrative:
Began receiving communication regarding multiple medical bills that were not submitted to the insurance companies although the information was provided. Informed the Debtor that the bills for my daughter should be properly submitted through my personal insurance and the state insurance. The debtor insisted that I pay in full although I requested that they submit the bills through the proper channels for payment. I reached out to both insurance companies to ensure that I was correct to find that the bills had never been submitted to the insurance companies for payment. They have submitted 22 bills to my credit file in the amounts of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX without attempting to properly process the bills for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: LA

Complaint narrative:
I submitted a dispute to the credit bureaus on XX/XX/2021 and still haven't received a response by mail. It has been over 60 days and i will not wait another 45 days for no response. I will file a complaint with the XXXX XXXX XXXX and the Federal Trade Commission since i am not aware of these accounts. This has caused stress to my life. Please remove these account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: TN

Complaint narrative:
Someone fraudulently opened up credit card and a loan in my name. As well as tried to purchase a car. These accounts do not belong to me.

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 2021-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent a letter to XXXX XXXX and the 3 Credit Bureaus ( XXXX, Transunion and XXXX  ) on XX/XX/2021, XX/XX/2021 and again on XX/XX/2021 to verify information questioning the bankruptcies listed on my credit report and wanting to find out how the accounts were verified. When I wrote to my Courthouse, they responded with a letter and stated that they do not report to the bureaus. I have attached the letter to this complaint. I am asking that both bankruptcies be removed from ALL 3 of my credit reports and XXXX XXXX. This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the item ( s ).

Please provide the following items : identify item ( s ) by the name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc.

1. The name of court representative you spoke with 2. The court address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute I am anticipating a time response to my request. If you are unable to respond in a timely manner and provide the above items, please Delete the account ( s ) from my credit report to prevent further damage.

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 2021-08-04 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: NV

Complaint narrative:
There are accounts and addresses listed on my credit reports that do not belong to me.

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 2021-08-04 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: TN

Complaint narrative:
Someone fraudulently opened up credit card and a loan in my name. As well as tried to purchase a car. These accounts do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: CITIBANK, N.A.
State: CT

Complaint narrative:
I have these accounts that does not belong to me and want them to be removed from my credit report asap. 

XXXX  1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft THD/CBNA Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft MACYS/DSNB Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXXXXXX XXXX  Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft THD/CBNA Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft BEST BUY/CBNA Account Number : XXXX This is not mine. 

5. Identity Theft MACYS/DSNB Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

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 2021-08-04 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: Porania, LLC
State: CT

Complaint narrative:
I have these accounts that does not belong to me and want them to be removed from my credit report asap. 

XXXX  1. Identity Theft XXXX Account Number : XXXX  This is not mine. 

2. Identity Theft XXXX  Account Number  : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: NV

Complaint narrative:
There are accounts and addresses listed on my credit reports that do not belong to me.

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 2021-08-04 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: NV

Complaint narrative:
There are accounts and addresses listed on my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I had a checking and savings account with Bank of America roughly about 3-4 years ago. I had this bank for quite some time and never experienced any issue with fraud much like I have never issued any fraud issues at all in my life. I had lost my information, due to losing my wallet, called the establishment to let them know. I did was I supposed to do as a consumer. They called me back and asked me if I was aware of any fraud and I let them know that my information had been stolen. Mind you this was years ago so I can not recall every aspect however I do remember calling to let them know it had been stolen and that they should have all these called recorded. They ended up closing the account which was fine because I was unsure of where my documents were as I did not have my wallet. I attempted to open a bank account for years after and was never told a reason as to why I wasnt able to open one until earlier in the year. I was given a number to call and reached to out to Bank of America to be educated that I had a fraud on my account. Which was weird because I had never been told that fraudulent activity took place I was only told if I knew about anything. I opened a claim because obviously I didnt know about it and need to open an account since I have things I need to take care of. They opened the claim and it took 3 months for me to find out they denied my claim. Once I asked why they told me that it happened on my banking app. Which was weird because I obviously never submitted a check for the said amount. I have been hung up on transferred to extensions that do not work, and been given a run around. I asked for proof of statements as well as proof at this said check and to no avail because I have not received either. I spoke to one woman who was telling me 2 different amounts. They said it was a XXXX dollar charge then it was a XXXX dollar charge. They can not supply me proof of either. I was told I would get the proof in the mail and all they sent me was the determination letter once again for the claim. This is all a mess and this is ridiculous. If you can not supply me proof then what is it that you are doing? Also I have proof of the phone calls and will need an email to send them too as they are not able to attached to a link. You will see how horribly Bank of America has handled their consumers and how there is no determination to handle this effectively.

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 2021-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: GA

Complaint narrative:
I had a merchant charge me {$200.00} for a 3 night stay. I did not stay at the hotel due to the room was unsafe the door had been kicked off the hinges and the merchant decided to refund one night. I filed a dispute with my back and they filed with the incorrect information then I had to discover there error and correct it now my dispute is just pending and every time I call the tell me its with a department that has no phone communication and I have to just wait

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
Hello. I am currently leasing a XXXX XXXX XXXX. I have been a customer since XXXX. Since I have had this vehicle ( over two years ) my payments have always been made on-time.

Earlier this year, I decided to take advantage of the auto-pay program that is offered. From my end, I appeared to have been enrolled, to my dismay on XX/XX/XXXX, while preparing my taxes, I noticed that I did not have any GMFinancial withdrawals from the bank account that I established auto-pay with.

I immediately made the two missed payments. A few days later, I received multiple credit report notification from XXXX  and XXXX. These reports dropped my score by 97 points. 

I then contacted customer service in order to have this issue rectified immediately. Customer service stated that they had called me on my office phone, and that I had not responded. I do not have an office phone and received no communication related to this issue. Had I been notified properly this issue would have been resolved right away. I was not provided adequate notification from GM. 

I was also told that GMFINANCIAL only reports to XXXX  but I received a XXXX  delinquency alert as well. Finally, the customer service agent said that they could not provide me with any further assistance and directed me to send in a letter in order to have this issue resolved.

This situation has created considerable financial duress for myself and my family. A brief review of my financial history will display that I always make on time payments and keeping my credit and finances in tact are a source of pride for me. The decrease is also substantial and does not fairly apply to this misunderstanding and miscommunication. A 97 point decrease is devastating. They also made it look like I was pass due {$3500.00} instead of the {$350.00}. That didn't process in auto pay!

I would really appreciate having these delinquencies removed having these delinquencies removed from my credit report as soon as possible.

Thank you for your consideration and support.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ascension Recovery Management
State: CA

Complaint narrative:
I sold my car in the California Cash for clunkers program last year. This year I received an erroneous collection agency ( Ascension Recovery Management, LLC ) charge for a payment of {$1400.00} dated XX/XX/2021 related to some tow yard issue with the car after my sale to California. They have been unwilling to provide support for why this charge was levied to me or how they got the car or how to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
Exeter Finance Corp is in violation of my consumer protection rights 15 U.S.C. 1692 ( g ).

They were to notify me of this debt in writing 5 days prior, I was not. As the consumer, I feel like they have caused defamation against my credit and my name. This is what this company, Exeter Finance Corp, has done to my credit profile. They auctioned the vehicle for {$20000.00}, they did a tax write-off for {$29000.00} and then they sold the debt to a collection agency by the name of XXXX XXXX XXXX XXXX. exter finance still report updates on my credit file XXXX which on my credit profile the loan was processed XXXX i need you're help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX is reporting inaccurate information about balances that I do not have. The following information is being reported and is inaccurate, {$2700.00} balance that includes but not limited to {$1100.00} reletting charge, {$810.00} carpet replacement, {$85.00} cleaning fee, as well as a {$75.00} late fee and additional interest when I do not have a contract with the collection agency in order to charge interest nor do I have an open account with them. I gave notice upon moving out so the reletting charge is invalid, carpet had no major stains or damages normal wear and tear and the tenant can not be charged full carpet replacement for normal wear and tear. I was not given a billing statement until after move out so I was unaware of amount to be paid in which I requested for amount and was not given a correct statement until I received a collection letter, therefore I will not pay a late fee for an error I did not cause. I have sent pictures and videos of the move out report proving no damages and the apartment was left in much better condition than when I moved in. This company has refused to do whats right for a XXXX and it affects me. I want a resolution as soon as possible as I have been fighting this for 2 years.

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 2021-08-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXXXXXX XXXX is reporting inaccurate information about balances that I do not have. The following information is being reported and is inaccurate, {$2700.00} balance that includes but not limited to {$1100.00} reletting charge, {$810.00} carpet replacement, {$85.00} cleaning fee, as well as a {$75.00} late fee and additional interest when I do not have a contract with the collection agency in order to charge interest nor do I have an open account with them. I gave notice upon moving out so the reletting charge is invalid, carpet had no major stains or damages normal wear and tear and the tenant can not be charged full carpet replacement for normal wear and tear. I was not given a billing statement until after move out so I was unaware of amount to be paid in which I requested for amount and was not given a correct statement until I received a collection letter, therefore I will not pay a late fee for an error I did not cause. I have sent pictures and videos of the move out report proving no damages and the apartment was left in much better condition than when I moved in. This company has refused to do whats right for a XXXX and it affects me. I want a resolution as soon as possible as I have been fighting this for 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: State Collection Service, Inc.
State: WI

Complaint narrative:
On XX/XX/2021 found that Collection Service was reporting on my credit file in the amount of XXXX I have no idea what this debt is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: AR

Complaint narrative:
On XX/XX/XXXX, I received a letter in the mail from Online Information Services- a debt collection agency. There were two notices stating I owed {$620.00} for a utility bill from XX/XX/XXXX at XXXX XXXX XXXX XXXX in XXXX, TX and another for {$820.00} for a utility bill from XX/XX/XXXX at XXXX XXXX XXXX XXXX in XXXX, TX. Both utilities were from XXXX XXXX. 

I called Online Information Services to inquire because I had no clue what this was for. They said these accounts were both in my name and that the debt was owed. I have no idea what on earth this is about. I have never rented or owned property in XXXX, TX nor have I ever established any services with XXXX XXXX. The representative at Online Information Services said I would need to log onto the ftc.gov site to dispute the claims in order to have them resolved.

Company response to consumer: Closed with explanation