vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-19 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: MoneyLion Inc.
State: OH

Complaint narrative:
You, MONEYLION INC # XXXX, Inc must be a Third-Party DebtCollector and I do not give you permission to interfere into My Commercial affairs. If you are assuming that you are representing Me, you are Hereby Fired and your Power of Attorney is hereby Revoked. As proof of claim, complete the attached CREDITOR DISCLOSURESTATEMENT and return within 15 days. Failure to respond with the completed CREDITORDISCLOSURE STATEMENT, thereby providing your verified Proof of Claim, signed under the penalties of Perjury and verified by your affidavit, you, MONEYLION INC # XXXX, Inc are agreeing to your Commercial Dishonor, exhausting My AdministrativeRemedies. I will accept your Silence as an Acceptance, and your agreement that a Default entered against you. You will also agree to a Full Tacit Contractual Agreement being a participant in Fraud and to forfeit all remedies under Administrative Law, Judicial Law, and/or MARITIME CLAIM RULES C ( 6 ). You should also be aware that sending unsubstantiated demands for payment through the United States Mail System might constitute mail fraud under federal and state law Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. This is my notice to MONEYLION INC # XXXX, Inc to Cease and Desist 15 USC 1692c 805. Communication in connection with debt collection. I have no paperwork or contract for business with MONEYLION INC # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: TOLL BROTHERS INC
State: MD

Complaint narrative:
TBI mortgage and specifically XXXX XXXX has held back information, lied repeatedly about policies about the VA home loan process, and has been disrespectful and rude every time I call to get an answer on my VA home loan. I've tried to get answers, documents, etc. And he refuses to work with us. XXXX goes out of his way to make buying a home hard and his distruss and unethical behavior reflects poorly on his company. Woukd like to work directly with his supervisor as this is falling in the line of Veteran discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: INTERCONTINENTAL CAPITAL GROUP
State: NY

Complaint narrative:
On XX/XX/2021, I received an alert message from XXXX  regarding a mortgage inquiry that I did not solicit. I called the Credit Bureaus and was advised to contact the company that placed the hard inquiry on my credit report and open a dispute. I called XXXX XXXX XXXX XXXX and was told that they outsource their platform for credit checks to third parties, and the name of the person that pull-up my credit without my consent is XXXX XXXX  from Intercontinental Capital Group located in XXXX, NY. 
I spoke with the Head of the Credit Dept. XXXX XXXX and after he investigated my case he determined that XXXX XXXX did pull-up my credit on behalf of my ex-employer XXXX XXXX from XXXX XXXX XXXX. 
I have a huge concern that there may be a scheme to defraud or willful misrepresentation of a future act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: FL

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: SC

Complaint narrative:
I need to add to my old complaint, ( XXXX ) a advisable conflict, that the one main representative who prepared this predatory loan for me, is also the same personnel who prepares my income tax. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Two of my family members approached me that they were being harassed by midland debt collection. I have also been consistent called and asked for them to quit calling so much. It was to the point where they would call me and my family members 3-6 times a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-19 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: NY

Complaint narrative:
THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Assistance Inc
State: CA

Complaint narrative:
Someone used my information to open accounts at XXXX XXXX XXXX XXXX XXXX and now they sent my information to a collection agency who has harassed me into paying money on a fraudulent opening account, Ive filed complaints with them and the XXXX, they refused to correct this and went ahead and reported this to my credit!! This account was allowed to be opened even though Ive a fraud alert and frozen my XXXX, they still opened it and allowed transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I deposited check in checking account Bank XXXX  ATM on XX/XX/21. Bank did not credit the amount correctly. I complained. Bank posted correct amount the next day, XX/XX/21, but placed a ten day hold on the check. The payor confirmed check cleared the day before. XX/XX/21. The Bank put a ten day hold on the check. I have transaction number and copy of processed check. Bank refuses to release funds today- said wait til XX/XX/21 when Fed Reserve confirms the check was honored.

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 2021-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Two items have has been placed on my credit report by LVNV Funding LLC, that is fraudulent and that I had no prior knowledge of. This matter didn't arise until myself and my expecting fiancee were denied housing because of this matter. I have now retained legal representation in regard to this damaging issue and am seeking a removal of these item ( s ) from my credit report, while this matter is being pursued further. If these items are not removed or deleted from my credit report while being investigated and reviewed, action will be taken by legal counsel against the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: WI

Complaint narrative:
I was made aware I have 3 items in collections with the same company. This company has not contacted me via phone or letter. The only reason I was aware I had anything in collections was when I checked my credit report and noticed they are reporting it. This is the second time this has happened with this company. After noticing these items on my credit I then disputed them. My understanding is that under the fair debt collection practices act they are to send me a written debt validation notice with information about the debt they are trying to collect. It also must be sent within five days of the first contact. This company has never attempted to contact me. They have been made aware of this issue when I disputed it on my credit reports, yet I still have had zero contact from them. They are reporting a {$700.00} medical debt from XXXX XXXX. Collection  opened XX/XX/XXXX. 
{$850.00} medial debt from XXXX XXXX. Collection opened XX/XX/XXXX. 
{$480.00} medial debt from XXXX XXXX. Collection opened XX/XX/XXXX. 
Do to this happening with the same company for the same thing in the past this company is well aware of my phone number and address to make contact with me. This has in return caused a negative effect on my credit and could have been avoided had this company followed federal laws. If I was made aware I was in collections when they first opened these items I could have validated the debt and paid these items as to not cause my credit score to go down. Instead these have been reporting negatively on my credit for months without me knowing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: USCB, Inc.
State: CA

Complaint narrative:
I have try to settle this with USCB and they wont do a paid for deletion even though I should have never been sent to collections. I NEVER received a bill from XXXX. I was willing to settle this but now am just mad that USCB is fighting me on this. I feel this should be settled and deleted off my reports since this was not my fault and if i would have got a bill I would have paid this would not be happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: United Shore Financial Services, LLC
State: WA

Complaint narrative:
UWM has since responded, but did not do the proper diligence to confirm whether they had made a mistake on their end. I have pasted the original complaint below. I have also attached the XX/XX/2021 response to XXXX XXXX at UWM, as well as my response to his note, which confirms the mistakes that UWM made on their end with regards to processing my multiple payment attempts. 

Please note that in the midst of this, UWM completely changed their online system, and as a customer, I had to re-create my login completely - with no warning. 

Original complaint XXXX " I opened a new mortgage in XX/XX/2021, and since XXXX, I have tried to pay my mortgage electronically with UWM now THREE times, across 2 separate checking accounts with national banks ( XXXX and XXXX XXXX XXXX XXXX. They continue to say that my banks are rejecting the payments, yet the banks have NO record of UWM even attempting to withdraw the amount. I am now incurring late fees, and they have sent me to collections. I am perfectly happy to pay - but I can't seem to do this. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have a collection on my reports that are not mine and from a different state. I disputed them and they came back accurate. I called the collection agency and they were rude to me and someone was suppose to call me back and never did. They refuse to take it off my credit report even when I can prove Ive lived at my current address for almost 7 years. Ive never lived in the state of Florida. I want it off my credit reports as it is not mine and it is ruining my credit. I was in the process of buying a house and now its on hold due to 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 explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: NC

Complaint narrative:
As I am in the middle of a REFI on XX/XX/2021 I noticed a collection account being reported by L.J. ROSS & ASSOCIATES claiming the Original Creditor is XXXX XXXX 

On XX/XX/2021 I contacted XXXX XXXX to figure out why they have sent this account to collections and they verified that they do not have an account in my name and therefore they are not reporting it. 

On XX/XX/2021 I contacted the credit reporting bureaus to get the contact information for the collection company that is reporting this fake account to them in my name and I was given the contact number they have which is ( XXXX ) XXXX. However, when I called the number it was out of service. 

Unable to contact them with the information given to me by the credit bureaus I decided to submit this complaint.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: WA

Complaint narrative:
XXXX has since responded, but did not do the proper diligence to confirm whether they had made a mistake on their end. I have pasted the original complaint below. I have also attached the XX/XX/2021 response to XXXX XXXX at XXXX, as well as my response to his note, which confirms the mistakes that XXXX made on their end with regards to processing my multiple payment attempts. 

Please note that in the midst of this, XXXX completely changed their online system, and as a customer, I had to re-create my login completely - with no warning. 

Original complaint XXXX " I opened a new mortgage in XX/XX/2021, and since XXXX, I have tried to pay my mortgage electronically with XXXX now THREE times, across 2 separate checking accounts with national banks ( XXXX and XXXX XXXX XXXX XXXX. They continue to say that my banks are rejecting the payments, yet the banks have NO record of XXXX even attempting to withdraw the amount. I am now incurring late fees, and they have sent me to collections. I am perfectly happy to pay - but I can't seem to do 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 explanation
Consumer complaint received 2021-05-19 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: EQUIFAX, INC.
State: WA

Complaint narrative:
XXXX has since responded, but did not do the proper diligence to confirm whether they had made a mistake on their end. I have pasted the original complaint below. I have also attached the XX/XX/2021 response to XXXX XXXX at XXXX, as well as my response to his note, which confirms the mistakes that XXXX made on their end with regards to processing my multiple payment attempts. 

Please note that in the midst of this, XXXX completely changed their online system, and as a customer, I had to re-create my login completely - with no warning. 

Original complaint XXXX " I opened a new mortgage in XX/XX/2021, and since XXXX, I have tried to pay my mortgage electronically with XXXX now THREE times, across 2 separate checking accounts with national banks ( XXXX and XXXX XXXX XXXX ). They continue to say that my banks are rejecting the payments, yet the banks have NO record of XXXX even attempting to withdraw the amount. I am now incurring late fees, and they have sent me to collections. I am perfectly happy to pay - but I can't seem to do this. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX has since responded, but did not do the proper diligence to confirm whether they had made a mistake on their end. I have pasted the original complaint below. I have also attached the XX/XX/2021 response to XXXX XXXX at XXXX, as well as my response to his note, which confirms the mistakes that XXXX made on their end with regards to processing my multiple payment attempts. 

Please note that in the midst of this, XXXX completely changed their online system, and as a customer, I had to re-create my login completely - with no warning. 

Original complaint XXXX " I opened a new mortgage in XX/XX/2021, and since XXXX, I have tried to pay my mortgage electronically with XXXX now THREE times, across 2 separate checking accounts with national banks ( XXXX and XXXX XXXX XXXX ). They continue to say that my banks are rejecting the payments, yet the banks have NO record of XXXX even attempting to withdraw the amount. I am now incurring late fees, and they have sent me to collections. I am perfectly happy to pay - but I can't seem to do 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 explanation
Consumer complaint received 2021-05-19 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: TX

Complaint narrative:
I disputed an account reported by your company in the file you maintain under my social security number. I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FRCA section ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing 5 business days. I hereby demand that you immediately delete the negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney General 's Office and the XXXX. Please govern yourself accordingly

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation
State: LA

Complaint narrative:
I entered a consumer credit transaction with WORLD FINANCE CORPORATION and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that WORLD FINANCE CORPORATION claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. WORLD FINANCE CORPORATION has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On XX/XX/2021 I wrote TransUnion about and negative information that was on my credit report, and they never replied so on XX/XX/XXXX I wrote TranUnion another letter to remove the negative remark off my credit because they didn't reply in the 30 days time frame, and yet and still I haven't heard anything back from them. So now I'm putting in my complaint.

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