vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SCA Collections, Inc.
State: SC

Complaint narrative:
SCA Collections Agency failed to validate this debt for this alleged collection account # XXXX. They received my dispute as of XX/XX/2021 where I requested : ( 1 ) a copy of every contract and/or agreement, including, but not limited to, ( a ) an informed consent for medical treatment and ( b ) financial responsibility agreement, signed by The alleged original creditor and XXXX XXXX , ( 2 ) a copy of all actual bills sent from The Alleged original creditor to XXXX XXXX with tracking numbers ( e.g., certified mail return receipt number ) or other proof of mailing ( e.g., affidavit of mailing by individual who mailed it ), ( 3 ) a copy of all pre-certifications and billings sent to insurance companies and a copy of all payments received from insurances companies for the alleged debt, ( 4 ) a copy of the record ( i.e., the amount paid and date of payment ) for any co-payment made by XXXX XXXX to the alleged listed original creditor, ( 5 ) a detailed itemization of the amount that you are attempting to collect, including but not limited to, procedure type or medicines or other items and their respective costs. Said contract or agreement must be with the original creditor and signed by all parties involved and ( 6 ) Proof that this debt was an alleged account described by Title 15 section 1693A ( 2 ) demand deposit, savings deposit, or other asset account.

You are illegally attempting to collect the above-listed alleged debt.

They responded with medical bills as if that was what I requested and did not validate this account at all which leaves them in violation of Title 15 1692Ga Furthermore they are falsely stating this alleged debt was an " account '' According to Title 15 1693A2 " ( 2 ) the term account means a demand deposit, savings deposit, or other asset account ( other than an occasional or incidental credit balance in an open end credit plan as defined in section 1602 ( i ) [ 1 ] of this title ), as described in regulations of the Bureau, established primarily for personal, family, or household purposes, but such term does not include an account held by a financial institution pursuant to a bona fide trust agreement ; '' this means that SCA collections Agency is in violation of 15 U.S. Code 1692e.False or misleading representations For falsifying the character of this debt Delete 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 explanation
Consumer complaint received 2021-09-10 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: NC

Complaint narrative:
I recently requested all of the documents for the account XXXX XXXX XXXX Acct # XXXX, after finding out i had a judgement that i had no idea about. I also never recieved the proper documents after the repossession of the vehicle. ( Notice of plan to sell, statement of sale ) After closely reviewing the documents they provided and comparing to my credit report i noticed several innaccuracies, the statement of sale, the notice of deficiency, and notice of plan to sell thats supposed to give me the opportunity to buy back the car ALL had the wrong address ( everything was correct except the zip code was innacurate ) which is why i never recieved them, Also several of the payments reported are inaccurate which is causing reaging to this account. I also was never notified that i needed to be in court im guessing because the address is incorrect. I have checked with all credit reporting agencies and they have the correct address linked to this account so im not sure if it was an error or done purposfully. Either way this is a violation and shouldnt be on my report since i was not sent the proper notices after repossession happened. I want this account removed immediately. I am also waiting on all my documents for the judgement so see the accuracie of 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 2021-09-10 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently requested all of the documents for the account XXXX XXXX XXXX Acct # XXXX, after finding out i had a judgement that i had no idea about. I also never recieved the proper documents after the repossession of the vehicle. ( Notice of plan to sell, statement of sale ) After closely reviewing the documents they provided and comparing to my credit report i noticed several innaccuracies, the statement of sale, the notice of deficiency, and notice of plan to sell thats supposed to give me the opportunity to buy back the car ALL had the wrong address ( everything was correct except the zip code was innacurate ) which is why i never recieved them, Also several of the payments reported are inaccurate which is causing reaging to this account. I also was never notified that i needed to be in court im guessing because the address is incorrect. I have checked with all credit reporting agencies and they have the correct address linked to this account so im not sure if it was an error or done purposfully. Either way this is a violation and shouldnt be on my report since i was not sent the proper notices after repossession happened. I want this account removed immediately. I am also waiting on all my documents for the judgement so see the accuracie of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TFS FINANCIAL CORPORATION
State: FL

Complaint narrative:
My wife and I applied for a mortgage of {$540000.00} with third federal savings and loan located in plantation, fl. We were denied a loan they said due to lack of income and a short sale on my wifes record from 2010. 
XXXX. Our combined income is {$160000.00}. Our liquid assets which include bank accounts, retirement accounts, and stocks total around {$150000.00}. 
XXXX. Prior to our marriage, my wife had a short sale that closed in 2010, and that is currently not on any of her credit reports. We asked the underwriter where they got the information from, and they didnt respond. 
We believe that we were discriminated against by third federal, because we have more than enough income, our debt to income ratio is great, and the short sale was over 11 years ago. 
Please investigate, and fix this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On Thursday, XX/XX/2021 I tried to access my credit report via XXXX but received an error message that stated " Based on the information provided, we are unable to verify your identity ''. During the COVID-19 pandemic, I should be able to access a free weekly online credit reports. Why am I not able to access a copy of my credit report. Please send a copy of my CREDIT REPORT AND CREDIT FILE to my email address. I have included evidence that I was not able to receive my credit report, along with ID and paystub to verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: NC

Complaint narrative:
I have late payments reported on my student loan account that shouldnt be there because i had forbearance during all of the late payments that are being reported, i would really like to have this fixed before Fedloan shuts down and switches to the new servicer. They also never offered me to do the rehabilitation they always requested me get a forbearance me not knowing my loan was increasing tremendously during the time of all the forbearances.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
In late XX/XX/2021, There were two fraudulent wire transfers on my Chase checking account. Within two days I contacted Chase to inform them of the fraud and request the matter be investigated and monies returned to my account. In addition, I asked the Chase rep to disable wire transfers on the account to prevent a recurrence. I was assured it would be done. In early XXXX, additional fraudulent wire transfers were made as Chase had NOT disabled that ability. After over 100 hours on the phone with different Chase reps and departments ( nobody can just deal with the problem themselves... it always required multiple departments and phone calls ), I was told that my account was disabled from online access pending investigation. Chase was unable to close the account and reopen it under a different account number... something that should have been simple. I was told I needed to go into a Chase branch to close the account as they were unable to close the account over the phone. This in spite of the information provided that I live XXXX miles away from the nearest branch! Arrangements were then made to link an external bank account to the Chase account, Make an ACH transfer, and bring the account balance to XXXX. That supposedly would allow me to close the empty account over the phone. After going through all the steps Chase suggested, Chase froze my account for suspicious activity, cancelled the transfer, and deleted the external account link from my Chase account!! I am now being told to mail a check for deposit to my external account as this is the only way to do it if I can not get to a branch. This is after continuously verifying my identity with Chase reps over the two months this drug on. This is unacceptable banking practices

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Stop the harassment as expressed in 1 ) repeated collection attempts and 2 ) a refusal to delete the mention of 'Ally ' from my credit reports ( all credit reporting agencies ). 


I am a veteran who has been trying to buy a house for my wife and family for years. 


In XXXX or XXXX of XXXX, auto lender Ally Financial surprised me in saying that they expected $ hundreds more per month than the amount I agreed to pay. 

My wife ( with me at dealership XXXX XXXX in XXXX, PA, during negotiation ) and I told Ally that I had agreed to ~ {$480.00}. The Ally representative said she would look into it. 

Ally reported to us that there was no contract error ; they also said they would continue looking into the matter. 

My guess is that the dealer sent an incorrectly created, unsigned contract form to Ally Financial XXXX. 

Under duress that the car would be repossessed, we struggled to pay amounts Ally representatives insisted we owed. 

Our XXXX XXXX XXXX was repossessed ( stolen ) by Ally Financial XXXX XXXX XXXX XXXX XXXX. Subsequently, my credit reputation was severely damaged. From a combination of paying the much higher monthly payments and the damaged credit ratings on all three credit reporting agencies, our family moved to a small apartment. 

We have been trying to buy a home for years. No lender would talk to us. 

A collector, Law office of XXXX XXXX XXXX, filed suit in XXXX XXXX courthouse. The judge closed the case because there was no proof that I agreed to the " contract '' that the collector presented. 

Additionally, the judge stated that the collector was barred from further attempts to collect. 

Ally continues to try to collect. My credit reports are still severely marred. Ally shows neither care, responsibility, nor fear in their continued harm and affect on our lives and finances.

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 2021-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On Thursday, XX/XX/2021 I tried to access my credit report via XXXX  but received an error message that stated " A condition exists that prevents Experian from being able to accept my request ''. During the COVID-19 pandemic, I should be able to access a free weekly online credit reports. Why am I not able to access a copy of my credit report. Please send a copy of my CREDIT REPORT AND CREDIT FILE to my email address. I have included evidence that I was not able to receive my credit report, along with ID and paystub to verify my identity.

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 2021-09-10 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: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
I am a victim of identity theft. I have requested a block & investigation in the following fraudulent information from my credit report. I have no idea how he theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. 

I am writing this due to non-compliance of the companies below and the non-compliance with the CRA XXXX and XXXX. 

They have failed to remove information that was affiliated with personal details and accounts that was due to identity theft and removed in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. 
Please remove this information for failing to validate the information, defamation of my name and for improper buying and selling of consumer personal information. 

XXXX XXXX Account # : XXXX COMENITYBANK/XXXX  Account # : XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Please let me know if you need any other information from me to block this information from my credit report. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: WV

Complaint narrative:
Received letter dated XX/XX/2021 showing an account placed for collection with afni. Details show debt owed to XXXX XXXX XXXX  I have not had an account with XXXX XXXX XXXX. Tried to contact afni by phone with no success, but sent by means of the internet I connected with their web site and informed them that I did not have such account and they had probably contacted the wrong person. I have not received any response from them. I do not know if this is an error on the part of the collection agency or a case of fraud to obtain money. I have never received any contact from XXXX XXXX XXXX regarding any account, as I have stated I do not have an account with them. I think any proof of debt owed must be provided by afni if they believe they have any legitimate reason to be pursuing the action they are taking.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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 have contacted Equifax via phone and mail and advised that there is fraudulent activity on my account. I have been asked to send documents supporting my identity which I have done several times and I havent gotten any response via mail from Equifax in regards to this issue. I have sent a letter regarding an address that doesnt belong to me, inquires I have no knowledge of along with collection accounts that have never been associated with me. Equifax has yet to respond to me via mail regarding a resolution. I was asked by phone to mail documents which I have done numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
When I enrolled at XXXX in 2006 I ended up dropping and transferred to XXXX before graduating. I never received the difference in my financial aide that XXXX received. I tried to ask for loan forgiveness due to this and Navient denied it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: TN

Complaint narrative:
After reviewing my credit report I am upset that the listed items on my letters are still reported inaccurately despite I have already informed you that they are erroneous and its impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: Byrider Franchising, LLC
State: MS

Complaint narrative:
I purchased a vehicle through cnac and they agreed to settle my account in full but they reported it as voluntary repo and it was paid off in full

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: KS

Complaint narrative:
They call me ( rarely ) but when they do, I tell them to stop calling, but they keep calling. They called me this evening ( around XXXX XXXX  ) and I told them again to stop calling. They hung up on me. What do they not understand? Doesn't help blocking them as they use a different number every time they call!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-10 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 2021-09-10 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 dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the Affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors, please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: E-Backgroundchecks.com, Inc.
State: NC

Complaint narrative:
I am a victim of identity theft. I have sent this company a cease and desist and demanded that they stop brandishing invalid information and they are refusing to meet my demands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX Credit Bureau XXXX XX/XX/XXXX XXXX and XXXX XX/XX/XXXX XXXX and XXXX XX/XX/XXXX XXXX and XXXX XX/XX/XXXX XXXX and XXXX  XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: IL

Complaint narrative:
XXXX XXXX {$650.00} XXXX XXXX, XXXX XXXX XXXX XXXX {$27000.00} XXXX XXXX, XXXX XXXX XXXX {$19000.00} XXXX XXXX, XXXX XXXX  {$9500.00} XXXX XXXX, XXXX XXXX XXXX {$5800.00} XXXX XXXX, XXXX XXXX XXXX {$950.00} XXXX XXXX, XXXX XXXX XXXX {$400.00} XXXX XXXX, XXXXXXXX XXXX {$220000.00} XXXX XXXX, XXXXXXXX XXXX XXXXXXXX {$220000.00} XXXX XXXX, XXXX XXXX {$220.00} XXXX XXXX, XXXX XXXX  {$400.00} XXXX XXXX XXXX I have reached out to each individual creditor listed above about these accounts letting them know I have never opened none of these accounts or applied for any of these accounts.I have filed an ftc report and they have refuse to remove them.

Company response to consumer: Closed with explanation