vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Collector : XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$340.00} Collector : XXXX XXXX  Account Number : XXXX, XXXX Balance : {$320.00}, {$320.00} Collector : XXXX XXXX XXXX Account Number : XXXX Balance : {$500.00} Collector : XXXX XXXX Account Number : XXXX Balance : {$230.00} This is a formal complaint against XXXX, XXXX, and TransUnion. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors. 

I've been working on these accounts and I'm on my fourth dispute letter. I still see some information on the items such as the date of last activity which is reporting on three different dates. There is only one original source so the dates should be the same for all three bureaus. The XXXX XXXX XXXX is reporting on three different dates. I have asked the credit bureaus to re-investigate the account and correct the reporting but there have been no changes at all to their reporting.

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 2021-10-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Illinois Collection Service, Inc.
State: IL

Complaint narrative:
Illinois Collection Services has failed to validate an alleged debt after submitting a written affidavit requesting validation via certified mail. They have infringed on my private information as well as my XXXX  private information including medical record number and date of a XXXX  XXXX. I have never signed a contract with this corporation & have no idea how they gained access to our personal private information. My request has gone ignored for a month now & I am enforcing the law. A notice of default has been sent to the company via certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I obtained a home equity line from XXXX, then SunTrust, now Truist in XXXX. It was paid off in XXXX BUT XXXX never removed the lien from my home.We have been requesting a satisfaction of lien and a paid in full letter since XX/XX/XXXX. I am scheduled to close on the sale of that home on XX/XX/XXXX, so my need is urgent at this point. 

Confirmation # xxx was opened back on XX/XX/XXXX. My title company and I have been told that it was researched, completed and closed with a satisfaction of mortgage mailed to the court of clerks in my county for recording with a copy sent to the property address. BUT, neither the court of clerk nor I have received the items that SunTrust says that they mailed. 

So, new confirmation # xxx was opened requesting that a paid-in-full letter be faxed or emailed to my title company so that the sale of my home could occur as scheduled on XX/XX/XXXX. The case was supposedly escalated, but the bank is still showing it open as of yesterday 's close of business ( XX/XX/XXXX ). I was told that there shouldn't be a problem sending the paid-in-full letter since the matter was already researched and a satisfaction issued- even though it's been lost. AND they've confirmed that nothing is owed to them under either my SSN or the property address. 

Then, on XX/XX/XXXX, SunTrust opened another new confirmation # xxx and escalated it since the 2nd confirmation had not been completed. It is still open also. AND my title company still doesn't have the paid-in-letter. Why can they not send us a copy of the satisfaction completed under the first confirmation # and give us the paid-in-full letter that we desperately need to close? 

This is the worst, most inept customer service I've ever experienced with a bank. We've been promised a paid-in-full letter now too many times to count, yet neither I nor my title company have it. 

They should have released the lien back when the loan was paid off in XXXX. There's absolutely no excuse for them to not have completed this promptly once it was brought to their attention and they've had plenty of time since XX/XX/XXXX. 

I and my title company have literally spent HOURS on the phone with them listening to promises that they never follow through on. I've personally gone into their branches who show me that I don't owe them anything on their computer screens, but say that they can not give me the letter as it has to come from their Mortgage Dept. 

I now just have today ( Friday ) to get the paid-in-full letter so we can close on the XXXX since the XXXX is a bank holiday. I am elderly and desperately need your help. 

I also want others to know how XXXX, BB & T and Truist treat their customers. I would never do business with them again.

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 2021-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I sent a letter regarding inaccurate and unknown things in my credit report. To this day over about 2 months later, I have yet to receive a response. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives me a reason to immediately remove these items from my credit report. It's been about 2 months now so they should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to the XXXX  that was caused to me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person. I AM NOT USING A CREDIT REPAIR COMPANY, I AM REPORTING THIS VIOLATION ON MY OWN BEHALF. I'VE ATTACHED MY ID, AND A UTILITY BILL FOR FURTHER VERIFICATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: T.S. Holdings
State: CA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
XX/XX/2021 for {$600.00} I informed my bank NFCU that I was involved in a scam through XXXX. They denied my claim. 
It turned out to be a current NFCU member who was involved in this scamming transaction. 
My issue was that since all parties are NFCU members, then this type of action should be deemed unacceptable and some type of action need to have taken place towards the scamming individual. And I should receive my money back. I'm not satisfied with the decision made by my financial institution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have been disputing this account for some time now with National Credit Systems. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: S&S Physician Services, Inc.
State: TX

Complaint narrative:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that Harvest Asssociates would verify the debt. So I took it upon myself to ask Harvest Asssociates for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: S&S Physician Services, Inc.
State: TX

Complaint narrative:
I have been disputing this account for some time now with Harvest Associates. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: DE

Complaint narrative:
They have changed the amount to this alleged account two to three times per monthThey keep changing the amount from {$450.00} to {$450.00} which is illegal. Ive never made any payments on This accounts on XX/XX/XXXX I sent a letter to this company asking for them to validate the account, but they have yet to so. As per FCRA, if XXXX debt collector does not verify the account ; it must be removed. At this point Im going to have to file a complaint with the FTC and small claims court. This is illegal and they have yet to prove that they can collect in this debt. On XX/XX/XXXX they removed the account from my report and added it back to flag it as a new account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TN

Complaint narrative:
The XXXX and XXXX Credit Bureau is reporting inaccurate information on XXXX XXXX XXXX . Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

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 2021-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
I have been disputing this account for some time now with Fair Collections and Outsourcing. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. I am sure there is a law that proves it.

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 2021-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I have been disputing this account for some time now with Caine and Weiner. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc
State: AZ

Complaint narrative:
On XX/XX/2021 at XXXX XXXX, a debt collection representative with the debt collection agency Hunter Warfield called my cell XXXX. The representative was very rude and being difficult with me. Because he was being so rude and difficult with me, I told them to never call my number again. After me saying this to him, he sighed and then hung up on me. Despite me telling them to desist calling me, they still call. The very next day they called again. XX/XX/2021 at XXXX XXXX  is the date they called me again. Then Hunter Warfield called me again on XX/XX/2021 at XXXX. This is a FDCPA ( Fair Debt Collection Practices Act ) violation. Hunter Warfield is able to be sued for up to {$1000.00} for each violation now. I Record all of my calls with a call recording app, and your lines say the calls are recorded as well. So if I take Hunter Warfield to court, they are required to furnish those recordings to the judge. The debt collection representative didn't read the mini Miranda too!! Hunter Warfield is violating my rights! Also the company from which this balance originated from did not give me a chance, or any options to pay any balance down before just sending something to a debt collector. Also, I left that apartment complex because they had apartments filled with SEWAGE AND IT WAS MAKING ME SICK!!! XXXX XXXX ADVISED ME TO LEAVE IT ASAP!

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 2021-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
This account is being reported with repetitive CO marks which is a clear violation. Please review this account and provide me with complete information and up to date payment history, if your agency is unable to, please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I have been disputing this account for some time now with Account Resolution Services. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. I am sure there is a law that proves it.

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 2021-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I am not familiar with this account. I have contacted Credit Acceptance concerning this account my letter was delivered on XX/XX/2021 the tracking number is XXXX Credit Acceptance has not responded to my letters, they have not sent a contract, statements or any documentation concerning this account.

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 2021-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been disputing a few accounts on my credit reports for some time now with Experian, XXXX and XXXX. They have been reporting inaccurate information on my credit reports and refuse to correct the problem. XXXX is reporting that I was late on my account with XXXX XXXX account but I was never late, I disputed this inaccurate information with all three credit bureaus and Experian and XXXX has corrected the problem but XXXX continues to report this inaccurate information. I the other two credit bureaus have corrected this issue why is XXXX still allowed to report this inaccurate information? How are they getting their information to verify this information when the other two credit bureaus could not? XXXX and Experian are reporting inaccurate accounts on my reports that I have three charge off accounts with US DEPT ED and that I have had late payments on an account with XXXX. I disputed this information with all three credit bureaus and XXXX removed and corrected this issue but XXXX and Experian has not. Again, how are they able to report inaccurate information? If XXXX found evidence that these account s were in fact inaccurately reporting where are the other two credit bureaus getting their information from?

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