vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: NC

Complaint narrative:
I sent a validation letter to Franklin Collection Services ( " FDS '' ) dated XX/XX/2019, requesting that the company validate reference no. XXXX which is currently being reported to the credit bureaus. In my letter, I also specifically requested evidence showing the company 's legal authority concerning this matter. More specifically, I requested a copy of the alleged contract or instrument bearing my signature. In addition, I specifically requested proof FDS is authorized to collect this debt and has the legal authority to do so. 

FDS responded to my first request for validation in a letter dated XX/XX/2019 with a verification and validation of debt for a bill owed to XXXX XXXX XXXX XXXX XXXX. The response I received did not provide me with the information I requested. Instead, the letter stated the alleged balance owed to XXXX XXXX XXXX XXXX XXXX. Included with the letter was a copy of a statement from XXXX XXXX XXXX in which the description of the services were redacted.

Therefore, I sent a second letter to Franklin Collection Services dated XX/XX/2019, where again I specifically requested that Franklin Collection Services ( " FCS '' ) provide me with evidence that the company is the legal owner of the debt, and that FCS has the legal authority to collect this debt, as well as a copy of the contract bearing my signature. This information was not provided.

After specifically requesting this information in writing on two separate occasions, FCS has not provided evidence that the company is the legal owner of this debt and that the company is authorized to collect the alleged debt as I have never had an account or contract with FCS. Therefore, I have no legal obligation to pay a debt that can not be validated with proper evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 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: IL

Complaint narrative:
Equifax : following items disputed XXXX XXXX no independent investigation was done. No proof of contract with my signature on it. XXXX XXXX XXXX THERE SHOULD NOT BE ANY LATE PAYMENTS LISTED ON THIS ACCOUNT AFTER THE CLOSE DATE AND YET, I AM STILL SEEING THIS ACCOUNT EACH MONTH. NO CONTRACT WITH MY SIGNATURE ON IT. NO PROOF. XXXX XXXX THIS ACCOUNT MUST HAVE THE CORRECT COURT NAME, LISTED WITH CITY AND STATE. BEING REPORTED INCORRECTLY. MUST BE DELETED PER SAY UNDER THE FAIR CREDIT REPORTING ACT. 

XXXX : XXXX XXXX NO INDEPENDENT INVESTIGATION WAS DONE. NO PROOF ACCOUNT BELONG TO ME. XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX ) ORIGINAL CREDITOR REMOVED THIS ACCOUNT DUE TO THE FACT XXXX COULDNT VERIFY UNDER SECTION XXXX. XXXX XXXX XXXX THERE SHOULD NOT BE ANY LATE PAYMENTS LISTED ON THIS ACCOUNT WITH THE PAST DUE BALANCE. THIS IS A COLLECTION AND VIOLATION PER FDCPA. XXXX XXXX XXXX MULTIPLE DATES LISTED UNDER THE DATE OF LAST ACTIVITY. NO VERIFICATION AND VIOLATION. XXXX THIS ACCOUNT DOES NOT SUPPLY CORRECT CITY AND STATE AND NAME OF COURT. INACCURATE. MUST BE DELETED FROM FILE. 

XXXX : XXXX : XXXX XXXX NO INDEPENDENT INVESTIGATION WAS DONE. NO PROOF ACCOUNT BELONG TO ME. XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX ) ORIGINAL CREDITOR REMOVED THIS ACCOUNT DUE TO THE FACT XXXX COULDNT VERIFY UNDER SECTION XXXX. XXXX XXXX XXXX THERE SHOULD NOT BE ANY LATE PAYMENTS LISTED ON THIS ACCOUNT WITH THE PAST DUE BALANCE. THIS IS A COLLECTION AND VIOLATION PER FDCPA. XXXX XXXX XXXX MULTIPLE DATES LISTED UNDER THE DATE OF LAST ACTIVITY. NO VERIFICATION AND VIOLATION. XXXX THIS ACCOUNT DOES NOT SUPPLY CORRECT CITY AND STATE AND NAME OF COURT. INACCURATE. MUST BE DELETED FROM FILE. 

All these accounts I have disputed with all the credit reporting agencies. They have not prove 100 percent that these accounts are true and belong on my credit file. Every time i send letters all each credit bureau does is send me a computerized letter saying verified. I am requesting that all inaccurate items be removed. This is affecting my ability to obtain credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-28 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:
To whom this may concern : This complaint is due to the unauthorized inquires on my Equifax report and a XXXX account that is still showing when it has already been removed from my XXXX   account. I have a fraud alert on my account which should have not allowed these companies to allow credit applications without verification. The unauthorized inquiries listed are XXXX XXXX XX/XX/19, XXXX XXXX XXXX XX/XX/19, XXXX XXXX/XXXX XX/XX/19, XXXX XX/XX/19. It would be greatly appreciated if these inquiries be removed from my Equifax report as soon as possible along with the XXXX XXXX account ( proof of deletion attached ). Also, the account XXXX needs to be removed that was never properly verified with physical proof of debt validation or contract after disputing on more than one occasion. This XXXX account shows that it was sold/paid in full to XXXX XXXX which means that I do not owe this debt to this company that is listed on my report nor would Equifax be able to properly verify something that they no longer own. The last account that was not properly verified was a collection account under the name XXXX XXXX that keeps getting listed as 'Verified as Accurate '' but never providing physical proof of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 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: CA

Complaint narrative:
Upon checking my credit report for the first time in years, I noticed I have a collection. I have no knowledge of this account. I am demanding the removal of the collection as well as everything else attached to the account that is negatively impacting my score from all three major credit reporting agencies, XXXX, XXXX, and Transunion. I would also like to note that regardless of the validity of the debt, The collection agency is breaking H.I.P.P.A. laws by sharing medical information. Here is Subsection ( d ) ( 3 ) From the revised 2018 Fair Credit Reporting Act.

Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 604 ( g ) ( 3 ), the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.

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 2019-04-28 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: I.C. System, Inc.
State: CA

Complaint narrative:
Upon checking my credit report for the first time in years, I noticed I have a collection. I have no knowledge of this account. I am demanding the removal of the collection as well as everything else attached to the account that is negatively impacting my score from all three major credit reporting agencies, XXXX, XXXX, and XXXX. I would also like to note that regardless of the validity of the debt, The collection agency is breaking H.I.P.P.A. laws by sharing medical information. Here is Subsection ( d ) ( 3 ) From the revised XX/XX/2018 Fair Credit Reporting Act. 

Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 604 ( g ) ( 3 ), the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.

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 2019-04-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: CA

Complaint narrative:
I applied for a pay day loan with XXXX in XX/XX/XXXX, for the amount of {$800.00}. The interest of the loan is 490 % These are the payments I have made thus far ( automatic payments made from my checking account ) : XX/XX/XXXX {$320.00} XX/XX/XXXX {$320.00} XX/XX/XXXX {$320.00} XX/XX/XXXX {$320.00} Total amount : {$1300.00} I have checked their online website and there is no record of payments made. Also it does not show the amount getting lower. 

I feel the terms were misleading and I have paid the sufficient amount to cover the interest and initial amount {$800.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX  XXXX XXXX put a collections on XX/XX/2019 for {$1300.00} open date invalid. I have had this removed once because this is not my acct I will attach what the creditor before sent me on this before hand. It belongs to another person! Please have them remove 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 non-monetary relief
Consumer complaint received 2019-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I noticed several fraudulent charges to my card and notified American Express. While on the call the agent questioned one fo the charges and said it was " related to charges from other businesses '' and named them. I told him that I didn't see any charges of those sort on the dates in question. We finished the call and I got the confirmation mail, which included charges from many months ago to those two merchants, which were valid and should not be disputed. 

Then I got a Declaration of Fraud form which I submitted with only the fraudulent charges on it. This was rejected by them as incomplete because it didn't include the two ( non-fraud ) charges. I called and explained that those were erroneous and are not fraud. They asked me to resubmit it. I did so. Then a final charge settled and I called to add it, as I had been instructed to do, with no problem ( on the XXXX ). According to the customer agreement, " If you contact us by phone, we may require that you send us your complaint or question in writing within ten ( 10 ) business days. We will determine whether an error occurred within ten ( 10 ) business days after we hear from you and will correct any error promptly. If, however, we need more time, we may take up to forty-five ( 45 ) days to investigate your complaint or question. If we decide to do this, we will credit your Account ... within ten ( 10 ) business days after your contacting us for the amount you have reported to us is in error so that you will have the use of the funds during the time it takes us to complete the investigation. '' We have exceeded the 10 days. I've called every single day since then and spoken with a supervisor, who has told me ( every day ) that I will receive a notification from them that day by close of business. And that has not happened - not a single time of the five that it has been promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Car was sold to me as new when in fact was damaged when delivery to lot car had numerous problems ( do have supported documentation ) they would not allow me to trade down I had car inspected by ga dot inspector he failed the car the car was given up in 2015 and they refused to help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian, after numerous investigations is still showing a collector, XXXX XXXX XXXX ACCOUNT NUMBER XXXX ON MY experian BUREAU REPORT. 
XXXX  XXXX XXXX IS A COLLCTOR, AGENT OR DEBT BUYER FOR XXXX a company who has questionable, perhaps illegal business practices who either knowingly or unknowingly victimiized me.XXXX sold phones and service that could not function in my home and surrounding areas as large as XXXX XXXX, CA, WHERE I WORK and also at my previous home outside of XXXX XXXX. 
XXXX XXXX has a simple plan of theft on the public ... They sell inexpensive service and phones in an area where XXXX dominates the business.The scam is XXXX has insufficient cell towers to provide service, even half the level of service provided by XXXX ( which most everyone has ) .so you get in inexpensive., XXXX appears reputable in advertising, yet the inexpensive service gives dropped phone calls, unintellible conversations, roaming in my own home, interference, static, the wind blows and cuts the call ... ..After talking to experts it is simple.XXXX has an effective scam ... ..the phones, THEIR STORE offices look good but they don't have the cell towers or cell tower leases to allow their phones to function in any normal sense of the word. 
Then when you complain they do not remedy because they can't ... ..They knew they couldn't deliver service when they sold the service to me.. 
XXXX XXXX executives perpetrate fraud on a wide scale where I live ... .they hold my credit hostage to try to collect money for a service that can't deliver..

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 2019-04-28 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:
These fraudulent accounts are reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX

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 2019-04-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Im having a very difficult time removing an account from my Experian report that has passed its 7 year statute of limitations. I have called and asked to have it removed and instead im told that they cant remove it, they lender has to remove the information. Only I have had nothing but incorrect information put on my credit report by the lender ( XXXX XXXX XXXX ) and all they ( XXXX XXXX ) have to do is report that the information is correct and that's it. I have had no problems with XXXX or XXXX   recognizing that this account has surpassed its allotted time to report to my credit and they removed it from my report. All I want is to get this account that was opened in XX/XX/XXXX and 1st delinquency in XX/XX/XXXX off my Experian report. To make matters worse NOW instead of it being taken off my credit report it says it will remain on my report until XX/XX/XXXX!!?? Please explain to me how this is even legal. The account in question is XXXX XXXX XXXX and it was opened in XX/XX/XXXX. I have filed a complaint with CFPB before with no luck but now with the account has passed its statute of limitations it really should be a no brainer at this point. Starting to feel like the Twilight Zone. Please have this account removed from my Experian 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 explanation
Consumer complaint received 2019-04-28 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: CT

Complaint narrative:
Equifax Credit Reporting Bureau shows a regular ( also known as " hard '' ) inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX Phone : ( XXXX ) XXXX dated XX/XX/2019. I have NOT applied for credit with XXXX XXXX XXXX or, in fact any other creditor, in XX/XX/XXXX ... XXXX XXXX XXXX placed a hard inquiry on my XXXX report on XX/XX/2019 and then another one my Equifax credit report on XX/XX/2019 acting inappropriately, if not maliciously. On XX/XX/2019, I filed a dispute with Equifax of the above-mentioned inquiry stating that I did not authorize it. On XX/XX/2019 I received the following response : ================= The Results Of Our Reinvestigation >>> The information you disputed has been received. The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, MO XXXX Phone : ( XXXX ) XXXX ================= The above response is unacceptable for three reasons : ( 1 ) I  already stated in submitting my dispute that I believe the inquiry is not authorized, so for Equifax to include " If you believe this was unauthorized, ... '' in their response means that they did not read my submission and took no investigative action on it. 
( 2 ) With the above response, Equifax sends the victim to the perpetrator and not taking any action of their own to keep credit report accurate as is their duty ( 3 ) Equifax calls this " Reinvestigation '' as if there had been a prior investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 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:
These fraudulent accounts are reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX

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 2019-04-28 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:
These fraudulent accounts are reporting on my credit report. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
I have a credit card account open with Barclay card. I stopped using it around XX/XX/XXXX or XX/XX/XXXX. The balance at that time was {$2700.00}. I have been making a payment of ~ {$70.00} every month for 6 years for a total of approximately {$4900.00}. In that time only {$600.00} has been applied to my balance. My credit card still has a balance of {$2000.00}. They have charged me approximately {$4300.00} in interest on an original debt of {$2700.00}. I have paid them close to double the amount of the original debt, yet only {$600.00} has been applied to my balance. I have called and they will not work with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation