vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
The reason I did not report this issue sooner is because I was just made aware of it in the last couple of months. I was already advised at the end of my lease in XXXX by XXXX XXXXXXXX XXXX XXXXXXXX and Southeast Toyota Finance ( XXXX XXXX XXXX ) that there were no payments due. This misinformation has resulted in my previous account ultimately being charged off without my knowledge and impacting my credit in a negative manner. I was told numerous times that there were no payments due on my previous lease and it was an error on Southeast Toyota Finance side. It wasn't until recent when I went to get into a new lease, they pulled my credit that I was made aware the amount of {$890.00} was charged off, impacting my credit. I called Southeast Toyota Finance to resolve this and spoke to XXXX XXXX, End of Term Manager, she advised that Southeast Toyota Finance accidently credited my account from a payment received from another customer that is why there was a balance due when they figured out their error. I advised XXXX I had no problem paying but they told me nothing was due twice and I owed nothing. I asked her why I should be responsible for their error 2 years later. She advised me I should feel bad about it and pay it. I advised her this was her company 's error which she admitted and they should do what is right and take care of the balance in addition to repairing my credit. She advised me that she would need a couple of days to research and then never returned my call or followed up with me. This brings me to my current situation ; my credit has been severely damaged and it has affected me getting a new lease with XXXX or applying for credit anywhere else. I am requesting that Southeast Toyota Finance be responsible for their error, credit the {$890.00}, and put an expedited request to repair my credit to the 3 credit bureaus. I have always paid my bill on time and my credit has been excellent, I would not recommend doing business with Southeast Toyota Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Hello, your company is committing extortion against me by reporting to non-affiliated third parties coercing me to pay an alleged debt. In addition your company has violated me per 15 US code 6802 : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Also your company did not provide full disclosure, required under TRUTH IN LENDING, of my ability to opt out of any sharing of my nonpublic personal information with non-affiliated third parties : ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.The only credit bureau is the CONSUMER FINANCIAL PROTECTION BUREAU. Your company did not have my written consent or fully disclosed permission to share my non-public personal information with any third party such as a credit reporting agency. YOUR COMPANYS ACTIONS ARE NOT LAWFUL CONSIDERING I WAS NEVER PROVIDED FULL DISCLOSURE. Your company has been implicit in harm against me and my financial reputation and I will seek remedy for my damages through legal procedures if this matter is not rectified immediately. This is my final attempt to resolve damages you have caused me before filing for arbitration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I had a emergency accident in XXXX on vacation and needed to get XXXX XXXXXXXX. During my stay they charged my card 3 times and for more than they claimed and without me knowing it was charged 3 times. 

American Express did not ask me any questions they just closed the dispute with no way for me to explain what happened or how to fix what happened. 

On one of the credit card charges they over charged me after saying everything would be {$5000.00} USD and charged around XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 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: TX

Complaint narrative:
I sent letters to the credit bureaus regarding 3 debt collectors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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 2023-07-23 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 sent letters to the credit bureaus regarding 3 debt collectors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have repeatedly disputed items on my credit report and Experian just sends me an automated message saying they dont think its me disputing the items so they refuse to do anything about it. They are repeatedly reporting incorrect information on my credit report from accounts to inquiries to addressing. Ive repeatedly disputed the information and thy keep saying its validated and refusing to send me the proof of validation.

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 2023-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC
State: TN

Complaint narrative:
when i learned of the debt I got an attorney to send an offer to settle it out of court but the collection company refused the offer collection company is fraudulently pretending to be the original creditor collection company has not provided me with any served papers collection company used a non suit judgement without serving me any papers collection company went to previous addresses bothering the people that live there now collection company puts liens on relatives houses collection company re-reported old debt as new debt to the credit bureaus when it was already reported by original creditor and removed from report from original creditor the debt was in a different name yet the company re reported it to the credit bureaus under new name Original creditor was contacted on two occasions and has no record of this debt what so ever tied to my social security number

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UPGRADE, INC.
State: AL

Complaint narrative:
Upgrade Card has been the worst credit card transaction that I've ever encountered in 60 plus years of financial transactions. Upgrade Card lowered my credit limit 2 months after having the card then when I called some young disrespectful rep got on the phone and tried to read some disclosure to me instead of listening to me and what questions that I had a s a customer rather than beat me down and disrespect me. They have drafted money from an account that they said they deleted but didn't until I raised XXXX  XXXX about money being taken out of my account that was said to be deleted which caused my account and credit to take a hit. I want this account deleted from my credit report immediately and I can send monthly payments until paid in full, but I won't no correspondences from them period. Upgrade card has hidden fees and every time I call them its always something different and I'm tired of it because as a customer I shouldn't have to go through this type of harassment and abuse I'm XXXX and this is beyond anything that I ever endured.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I moved to Georgia from Oklahoma. Opened an account with XXXX. 
Everything was fine for a while. Was remodeling my home and got several withdrawals. 
to pay contractors. 
Went to the bank to withdraw more cash. They said no my account was frozen due to suspicious reasons. The Manager said, she did not know why. I have been there in person and called several times with no response. The branch manager even hung up on me. 
I then received an email with a phone number to call. which I did. Supposed to be corporate.. I would speak with an agent, and they would say please hold on while I investigate. and would transfer me to a different agent. same thing happened to me. I spoke with at least four different. Agents, kept being put on hold. At last after an hour, I was cut off. In other words, hung up on. 
I was not discourteous, I do not yell or curse I am almost XXXX XXXX XXXX. I truly need your assistance. Please advise me. They have over {$5000.00} dollars and will not release it. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: TX

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 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: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
Looking at my credit report I found out that a company name BRIDGECREST FORMERLY XXXX, has reported to the credit bureaus that I missed payment 2 times which is inaccurate because back in XXXX of XXXX due to my financial difficulties I requested for an extension then I was asked to pay the sum of {$270.00} with the extension that will bring my account to current ( fresh start ) they said this way my account won't be reported the credit bureaus as a 30 days late which I agreed to. But to my biggest surprise they still went ahead and reported it to the credit bureaus as 30 days late so I called them immediately to ask why they still reported 30 days after I paid the {$270.00} they apologized for the error and corrected it immediately. Then in XXXX of XXXX similar thing happened I had just lost my Mother I it was a very difficult time again financially, so requested for an extension again I was asked to this time the sum of {$300.00} to avoid it being reported to the credit bureaus again I agreed to the term but just like before they reported to the credit bureaus as 30 days late as usual I called again to ask why but this the costumer service representative hanged up the phone on me I called back again they put me on hold for a while they went back to XXXX of XXXX to change current to 30 days late I do not think this is a standard credit reporting act and the consumer law. Then I file a dispute with all three major bureaus, the information sent to the credit bureaus did not include the {$270.00} and the {$300.00} respectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Start Connecting dba USA Student Debt Relief
State: PR

Complaint narrative:
On XX/XX/XXXX USA Student Debt Relief contacted me via phone call. They said I qualified for a payment plan that was going to relief me of paying XXXX. They said that to be enrolled in the program i needed to pay 4 payments of {$390.00} and {$72.00} each month for 210 months. They had all my info already when they called, my ssn, student loan amount, address, full name, everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 2023-07-23 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bankruptcy : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any 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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-07-23 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: LEXISNEXIS
State: NC

Complaint narrative:
This credit reporting agency have provided other credit financial agencies with false information. On numerous occasions Ive spoken with them about not reporting false information. I never gave consent to report on my behalf. These reporting agencies have made it extremely difficult for me to get credit, loans and other financial benefits. Costing my good reputation and slandering me. Need these credit agencies to stop reporting on my behalf immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 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:
I am writing to file a formal complaint with the CFPB concerning several inaccurate items that have been reported on my credit report. I regularly monitor my credit history to ensure its accuracy and upon reviewing my credit report recently, I discovered erroneous information that is negatively affecting my creditworthiness. Please see the attached form with the accounts in question. In an effort to rectify these errors, I have already initiated the dispute process with the credit reporting agencies and creditors. The attached forms were also sent to these parties. However, the resolution has been slow, and the credit reporting agencies have not responded adequately to my concerns, leading to further frustration. 

Therefore, I kindly request the CFPB 's intervention to thoroughly investigate this matter and ensure the prompt and accurate correction of the inaccuracies on my credit report. Enclosed with this letter are copies of my credit report, clearly highlighting the inaccurate items. I trust that this documentation will aid in your investigation and resolution of this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 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: FL

Complaint narrative:
I am writing to file a formal complaint with the CFPB concerning several inaccurate items that have been reported on my credit report. I regularly monitor my credit history to ensure its accuracy and upon reviewing my credit report recently, I discovered erroneous information that is negatively affecting my creditworthiness. Please see the attached form with the accounts in question. In an effort to rectify these errors, I have already initiated the dispute process with the credit reporting agencies and creditors. The attached forms were also sent to these parties. However, the resolution has been slow, and the credit reporting agencies have not responded adequately to my concerns, leading to further frustration. 

Therefore, I kindly request the CFPB 's intervention to thoroughly investigate this matter and ensure the prompt and accurate correction of the inaccuracies on my credit report. Enclosed with this letter are copies of my credit report, clearly highlighting the inaccurate items. I trust that this documentation will aid in your investigation and resolution of this complaint.

Company response to consumer: Closed with non-monetary relief