vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc.
State: OK

Complaint narrative:
Received Phone Call on XX/XX/22 referencing a Medical Bill I owed to Progressive Management Systems of a Bill sent to them from XXXX XXXX XXXX XX/XX/22, mailed to an address ( XXXX XXXX XXXX XXXX, XXXX  XXXX, OK XXXX. First off, I never Originally ever received an initial bill from this Hospital, I have never lived at XXXX XXXX XXXX XXXX, XXXX  XXXX, OK XXXX, and furthermore, I have never been to XXXX XXXX XXXX, I have never been on XXXX  XXXX XXXX XXXX 
I have corresponded with Progressive Management Systems by phone on XX/XX/22 and also by Letter verifying my address, Last four of my SSAN and DOB ON XX/XX/22. 

This is totally another individual that they have submitted in error, however, Progressive Management Systems will not clear this up with XXXX XXXX XXXX until I send them a Copy of my STATE DRIVERS LICENSE and also a REPORT TO THE FEDERAL TRADE COMMISSION AS TO WHAT HAS HAPPEN. Recent Letter is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-04 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: MI

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 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 2022-12-04 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: American Credit Acceptance, LLC
State: GA

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 an account without my written instructions.

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
A fraudulent credit card was opened in my name in XXXX of XXXX with XXXX Bank account number : XXXX. I had no choice than to settle this account with XXXX Bank collection agency XXXX XXXX in XX/XX/XXXX because I was applying for a mortgage and this fraudulent account was affecting me from getting a mortgage. I never opened any account nor received any service from XXXX Bank. My identity was stolen to open this account. I filed a police report along with an identity theft report. Submitted both reports to the credit reporting agencies and they failed to remove this fraudulent charge-off account from my credit report. I also sent a certified letter to XXXX Bank requesting a debt validation and still havent received a response. Attached is proof that Ive made several attempts to get this fraudulent charge-off account removed from my credit report. I never authorized this account, please remove from my credit report immediately.

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 2022-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc.
State: CT

Complaint narrative:
-- -- -- UPDATE TO CLAIM # XXXX -- -- -- - MANAGENEBT SERVICES XXXX has responded to my CFPB complaint stating that they have NOT attempted to collect any debt and that they disagree with my claims on their violations under the FDCPA. 
MANAGENEBT SERVICES XXXX according to their response has removed themselves from liability under the violations of the FDCPA which they remain liable to pay remedy under 15 USC 1692k. Notice it is a fact MANAGENEBT SERVICES XXXX has sent a letter REQUESTING PAYMENT OF AN ALLEGED DEBT even tho they state they have not attempted to collect any debt. MANAGENEBT SERVICES XXXX has violated multiple federal laws under FDCPA and has been put on notice by AFFIDAVIT and demanded under 15 USC 1692g to validate the alleged debt to which they state they will no longer attempt to collect which leads me to believe this was an attempt to make an extortionate extension of credit by trying to collect money on a CONSUMER FINANCE CHARGE which is a violation under 18 USC 892 and is in fact committing RAKETEERING which is a violation under 18 U.S. Code 1962 -RICO. MANAGENEBT SERVICES XXXX is here by put on NOTICE of Federal Violations Under the FDCPA and under RAKETEERING for attempting to collect money by obscene matters and attempting to make an extortionate extension of credit and has lied in their response stating they have not attempted to do so but in fact have done so as shown in EXHIBIT A. I am willing to settle this matter IN GOOD FAITH if MANAGENEBT SERVICES XXXX pays I the consumer by cashiers check only in the amount of {$20000.00} to address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX for the violations under the FDCPA under 15 USC 1692k and for showing lack of regard and respect to I the consumer and Consumer Financial Protection Bureau by lying.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: PA

Complaint narrative:
I had an old credit inquiry that was coming off my report drop off and TransUnion dropped my score XXXX points for no reason the account was paid off early and was allowed to be by the company, It was never late so I called to inquire as the why this happen and they looked it over and said that it shouldnt have happened and to call to file a complaint with consumer finance. Gov to have the score fixed.

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 2022-12-04 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.

Complaint narrative:
Account XXXX - Account ref : XXXX - Order number : XXXX Cancelation date : XX/XX/2021 cancelled a contract with them in XX/XX/2021, on the 1st day as their product was not working, laid numerous complaints a number of times and they have promised to collect and cancel the contract and they also promised that someone will contact me. which has not been done over a year later and they put on my report that i owe them numerous cases logged with them They have also handed me over to a debt collection company which stated that I owe them over XXXX A person shall not furnish an 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
A fraudulent credit card was opened in my name in XXXX of XXXX with XXXX XXXX account number : XXXX. I had no choice than to settle this account with XXXX XXXX XXXXXXXX XXXX XXXX XXXX in XX/XX/XXXX because I was applying for a mortgage and this fraudulent account was affecting me from getting a mortgage. I never opened any account nor received any service from XXXX XXXX My identity was stolen to open this account. I filed a police report along with an identity theft report. Submitted both reports to the credit reporting agencies and they failed to remove this fraudulent charge-off account from my credit report. I also sent a certified letter to XXXX XXXX requesting a debt validation and still havent received a response. Attached is proof that Ive made several attempts to get this fraudulent charge-off account removed from my credit report. I never authorized this account, please remove from my credit report immediately.

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 2022-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Since I open this account in XXXX I have made a number of requested to increase my credit limit from {$20000.00} to {$22000.00}. Synchrony Bank has repeatedly refused to make ANY increase stating that " The requested amount exceeds the limits set by our credit policy '' without stating what those limits are or increasing my credit limit within those limits. BTW, I have a credit score of approximately XXXX and a yearly income over {$240000.00} and have NEVER missed ANY payment in my life.

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 2022-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: DISCOVER BANK
State: MN

Complaint narrative:
I received a email stating that I had opened a account and never did so I called the bank to have them close the account that was done in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: CA

Complaint narrative:
Comenity Bank went through a system update in XX/XX/2022 and since then, have not reported my credit info to the credit bureau. I paid off my balance and unfortunately this is not getting reported to the credit bureau, impacting my ability to get a mortgage loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-04 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-12-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Someone opened bank of america XXXX XXXX account with my details

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 2022-12-04 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: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
This company has continued to put a medical bill that belongs to my daughter whom was the age of XXXX on my credit report I have constantly had to dispute to have removed on many occasions I have also called them and they told me that they were gon na keep going after me although they know it belongs to my daughter they got my information as she was on my insurance my insurance paid the portion the rest of the bill would belong to my daughter not me when I spoke to them they were very rude and threatened that they would put it on my credit and they have four times now and I keep having to spend time filing disputes with credit bureau and they have kept removing it just because someone is on your insurance should not allow company to have my information and try to charge me for the bill specialty when they patient is a grown adult age XXXX and they dont even have it on her credit report and also was not around when she went to the hospital I have not authorized the hospital nor any other to have or use my personal information especially my social security number and now they have also mailed to my current address

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: EGL US, LLC
State: GA

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 an account without my written instructions.

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: Grain Technology, Inc.
State: GA

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 an account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
I made a promotional purchase on my XXXX store card thats administered by Synchrony Bank on XX/XX/2022. The promotion is for 12 months no interest. They are charging me the full amount of the purchase, {$920.00}. The statement shows regular purchases and then underneath it shows my promotional purchase with the terms of XXXX mo 0 % interest. However, the bill total is for the full amount. 

I called customer service and was told that I have to make arrangements with the Bank as it pays the full amount for me. I said, I called The Bank and she acknowledged that I was speaking to Synchrony. She said they charge the full amount unless I pay a set amount. I was set up for automatic payments as I dont want to miss one or be late. She advised I can only choose minimum payment or statement balance for auto pay. I said I want auto pay, but I want my promotional price per month. She said it cant be done. 

Every other institution who loans money over a term sends a bill for the monthly payment as agreed upon. I agreed to pay XXXX equal payments for this purchase, but they refuse to break it down into equal monthly charges. Leaving all calculations to me. 

They will not receive any payments for any purchases until this is resolved. How hard is it to add an equal monthly installment to my monthly purchases for a Bank?

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 2022-12-04 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-12-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Firstsource Business Process Services, LLC
State: FL

Complaint narrative:
This is not my debt. ref XXXX Attached you will find details of the payment, made by XXXX, at the time.

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 2022-12-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
GM Financial showing this on my credit report as a charge off - this is fraud I paid my dues and fees durring COVID also tried to purchase the vehicle - you rae promoting fraud they got my payments + I made a XXXX  downpayment to purchase the vehicle as stated During XXXX  they sold the car as profit and they report this or charge it off? NO they already made XXXX on a cheap XXXX vehicle Take that off my credit immediately as this prevents me from getting a job THis is discrimination

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: MI

Complaint narrative:
I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account 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 2022-12-04 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: MI

Complaint narrative:
I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with explanation