vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
I have auto-pay set up for the XXXX and XXXX XXXX of the Month, i login and pay online via credit card on each due date. Within XXXX the harassment starts via constant calling and saying the payment has not been made! i continue to get called constantly throughout the day by Bridgecrest financial agent claiming payment was not made. 

There has to be a way to make them stop. 

Payment is XXXX semi monthly XXXX and last day of the month

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: FL

Complaint narrative:
I, XXXX XXXX XXXX, a consumer is a victim of identity theft, the credit reporting agencies, XXXX, Experian, and XXXX has utilized and furnished my consumer report without my knowledge and authorization, consent, and written instruction. They allowed companies to share my nonpublic personal information without my consent and also used that information to furnish. Congress makes it clear and conspicuous that the consumer has a RIGHT TO PRIVACY! XXXX, XXXX, and Experian has violated my federally protected right to privacy by failing to meet the needs of Congress by ensuring that they exercise their grave responsibility with the respect to the confidentiality of my personal information. The Fair Credit Reporting Act ( FCRA ) was intended to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality and respect to the CONSUMERS RIGHT TO PRIVACY! XXXX, XXXX, and Experian is in direct violation of the FCRA and the XXXX XXXX XXXX of XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05 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: EdFinancial Services
State: AZ

Complaint narrative:
I have XXXX loan aunts with XXXX XXXX XXXX ( XXXX XXXX ) XXXX. XXXX {$12000.00}, loan date open XX/XX/2003 XXXX. XXXX {$11000.00}, loan date open XX/XX/2003 XXXX XXXX XXXX erroneously shows XXXX loans/it lists each loan XXXX thus incrading he total XXXX that I reportedly owe. 

XXXX. XXXX {$12000.00}, loan date open XX/XX/2003 XXXX. XXXX {$11000.00}, loan date open XX/XX/2003 XXXX. XXXX {$12000.00}, loan date open XX/XX/2003 XXXX. XXXX {$11000.00}, loan date open XX/XX/2003 I have filed several disputes with XXXX as well as poke to them on the phone where they acknowledged the error but have never corrected it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Mid-Minnesota Management Services, Inc.
State: MN

Complaint narrative:
These people called me a lot in the beginning. I didn't know I could negotiate with them to reduce the debt. I repeatedly told them that I could not afford to pay more than {$50.00} a month and they would not accept that from me. It was not good enough for them. So they kept calling. I finally had a little money left over after I got paid one month and I paid {$100.00} on the debt. Then they agreed that I could pay {$50.00} a month after that, but wanted me to start that right away ... even though I just paid them {$100.00} and I told them I needed some time to be able to make another payment. They set my due date at the XXXX of each month, but to be honest I can barely afford to pay the {$50.00} even. I have to pay for gas for my car and for groceries on credit cards because I don't have money left over after I pay my regular monthly bills. This website says that I should not be paying more than I can afford and I feel like this company " bullied '' me into a payment plan that I really, honestly, can not afford. I just paid them another {$50.00} today because I'm tired of them calling me and now I have {$30.00} left in my checking account until I get paid again on XX/XX/26. Obviously, that is NOT going to last for two weeks and I'll be forced to increase my credit card debt to make it through the next two weeks. Not once did this company even offer to settle this debt for a smaller amount and for someone like me who repeatedly tells them how tight my finances are, I feel like they should have offered me a smaller amount and let me do a smaller monthly payment. Also as it relates to the original debt, I made a partial payment to XXXX when they sent me a bill in the mail. I never once heard from them again on this bill/debt so I thought that maybe the waived the rest ( as many other facilties have done with bills ). Then all of a sudden this Central Resources company is involved and XXXX tells me they can't speak with me no more about the bill/debt. They didn't ever offer me any option to apply for a reduced or waived balance either and they should have! They never communicated with me after I made that partial payment to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: CA

Complaint narrative:
In light of recent investigations brought upon Equifax, I find that my consumer file is being irresponsibly tampered with. Over the past 4 months, I have made several attempts to remind Equifax of its duty pursuant 15 USC 1681. It appears Equifax is intentionally and willfully neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. 

On XX/XX/2021, I ran my credit report and noticed XXXX XXXX XXXX XXXX added a {$280.00} collection account to my consumer credit file. I immediately filed a dispute with XXXX XXXX XXXX XXXX and Equifax. 

Equifax refused to remove the XXXX XXXX XXXX XXXX {$280.00} collection account stating the debt collector validated this is my account. I don't recognize the debt so I am requesting the unverified collection account information be promptly removed from my Equifax credit report. 

Under 15 USC 1681 a number 3. Equifax assumed this role without permission not only that Equifax did not have my consent.

Under 15 USC 1681 a number 4. Equifax did not exercise their grave responsibility Equifax was unfair, Equifax was partial and did not respect my right to privacy. 

Equifax never had a permissible purpose Under 1681 b number 2. I never instructed Equifax to furnish this report or to create this report. I never consented to this report in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have recently requested for a full check of accuracy on all three of my credit 's reports from, XXXX, Equifax and XXXX. I have done a full investigation on this accounts that I have notice to not be accurate on my reports, after I requested the credit bureaus to look in to the this matters at hand. I requested my credit bureaus check for accuracy in XX/XX/2022 and also in XX/XX/2022, I see there are serve accounts that are not accurate or not mines still present on my reports. According to The Fair Credit Reporting Act, 15 U.S.C.1681 section 602A. States I have the right to privacy. The Fair Credit Reporting Act, 15 U.S.C. 1681 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction. Here is the listed of account wrongfully, inaccurately, or not mines at all that is still been reported on all the credit bureaus or just on one or two bureaus. I also have a police report on where my wallet was stolen out of my car. Someone was trying to open accounts in my name. 

XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX  Account Number XXXX XXXX XXXX XXXX I Account Number XXXX XXXX  Account Number XXXXXXXX XXXX Account Number XXXX XXXX XXXX Original Creditor XXXX  Account Number XXXXXXXX XXXX XXXX XXXX XXXX  Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: TX

Complaint narrative:
I have recently requested for a full check of accuracy on all three of my credit 's reports from, XXXX, XXXX and Experian. I have done a full investigation on this accounts that I have notice to not be accurate on my reports, after I requested the credit bureaus to look in to the this matters at hand. I requested my credit bureaus check for accuracy in XX/XX/2022 and also in XX/XX/2022, I see there are serve accounts that are not accurate or not mines still present on my reports. According to The Fair Credit Reporting Act, 15 U.S.C.1681 section 602A. States I have the right to privacy. The Fair Credit Reporting Act, 15 U.S.C. 1681 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction. Here is the listed of account wrongfully, inaccurately, or not mines at all that is still been reported on all the credit bureaus or just on one or two bureaus. I also have a police report on where my wallet was stolen out of my car. Someone was trying to open accounts in my name. 

XXXX XXXX XXXX  Account Number XXXX XXXX XXXXXXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX Account Number XXXX XXXX XXXX XXXX I Account Number XXXXXXXX XXXX Account Number XXXXXXXX XXXX Account Number XXXX XXXX XXXX Original Creditor XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Number 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 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I started a chapter XXXX bankruptcy in 2018 which included XXXX ( formally known as XXXX XXXX XXXX XXXX XXXX. I completed the bankruptcy and it was XXXX. During court proceedings, XXXX did not appear at the meeting of the creditors to contest the filed bankruptcy and the debt was XXXX. Since the discharge of the debt, the company has changed their name and the debt has still been reporting to my credit. As of today XX/XX/XXXX, XXXX  has reported me being XXXX  days late on payments to this non existent account. This has down extensive damage to my XXXX XXXX. I am also including documentation from the bankruptcy showing that they have been 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 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I started a chapter XXXX bankruptcy in 2018 which included XXXX ( formally known as XXXX XXXX XXXX XXXX ). I completed the bankruptcy and it was XXXX. During court proceedings, XXXX did not appear at the meeting of the creditors to contest the filed bankruptcy and the debt was XXXX. Since the discharge of the debt, the company has changed their name and the debt has still been reporting to my credit. As of today XX/XX/XXXX, XXXX  has reported me being XXXX days late on payments to this non existent account. This has down extensive damage to my credit score. I am also including documentation from the bankruptcy showing that they have been XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I started a chapter XXXX bankruptcy in 2018 which included XXXX ( formally known as XXXX XXXX XXXX XXXX ). I completed the bankruptcy and it was XXXX. During court proceedings, XXXX did not appear at the meeting of the creditors to contest the filed bankruptcy and the debt was XXXX. Since the discharge of the debt, the company has changed their name and the debt has still been reporting to my credit. As of today XX/XX/XXXX, XXXX  has reported me being XXXX  days late on payments to this non existent account. This has down extensive damage to my XXXX XXXX. I am also including documentation from the bankruptcy showing that they have been 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 2022-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX SERVICES ( Bank ) XX/XX/XXXX XXXX CARD SERVICES ( Bank ) XX/XX/XXXX These were hard inquiries I did not authroize. I have open XXXX  card. I have no XXXX  XXXX cards nor did I apply for any. 
XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX These inquires have been on my report for years. I have contacted to have removed nothing has come 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 non-monetary relief
Consumer complaint received 2022-08-05 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/XXXX my husband, XXXX XXXX and I paid off a debt owed to the State Employees Credit Union XXXX NC branch ( account XXXX ) in the amount of {$1800.00} that was showing on our credit. They wrote us letters stating account balance was paid in full. They then reported on credit bureaus that the account was written off and as a repossession which is incorrect as this was during COVID that we could no longer afford vehicle and spoke to XXXX XXXX about this at the XXXX branch in XXXX Nc and she stated because of COVID and the laws with COVID this would not be reported as such because of financial hardship during that time. Now it is paid in full but they are reporting it inaccurately on mine and my husbands credit report which is causing harm to us financially and we were mislead by XXXX about how this would reflect on our credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
As a federally protected Consumer, I am here to contest any purported claims you are now reporting on my credit record as consumer debts. I am not responsible for this debt, I do not have a contract for this account, and you have not provided me with the initial application as requested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
As a federally protected Consumer, I am here to contest any purported claims you are now reporting on my credit record as consumer debts. I am not responsible for this debt, I do not have a contract for this account, and you have not provided me with the initial application as requested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05 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: CA

Complaint narrative:
I am a victim of identity theft. A criminal has used my social security number to apply for and obtain credit lines with multiple different lenders.. There are numerous fraudulent credit inquiries that are unauthorized reporting to my TRANSUNION credit reporting agency as well as fraudulent credit card accounts. These items are unauthorized. I have filed a XXXX XXXX Police report and submitted a Federal Trade Commission Identity Theft. 

I have submitted a fraud investigation request to TRANSUNION, however they are unwilling to dispute and remove the fraudulent inquiries that are listed below. 

Fraudulent Accounts XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2022-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: VA

Complaint narrative:
I resided in a community rental " XXXX XXXX '' when the Covid started, after 4 to 5 months I was laid off among 150 other employees due to Covid from the same company, it became a hardship to pay the bills and the rent so I decided to move instead of getting a " Notice to vacate or Evicted ''. They said regardless of the situation I had to pay 3 months in order to move out, they did not care about the Covid situation due to loss of employment and If I did not pay I will be put in collections. So they did anyways and now my credit is hurt due to an unexpected situation that happened to millions in the US and other countries. I need this removed from my credit. 


COLUMBIA DEBT RECOVERY LLC DBA GENESIS XXXX XXXX XXXX XXXX, WA XXXX TOLL FREE : XXXX MONDAY-FRIDAY XXXX TO XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX, VA XXXX Original Creditor : XXXX XXXX Placed for collections on : XX/XX/2021 Original Principal : {$6500.00} Current Principal : {$6500.00} Interest Due : {$12.00} Total Due : {$6500.00} XXXX XXXX, As you are aware, your account is past due. Since we have not received any response from you regarding your balance, we request you choose one of the following : Mail the past-due amount today to the above address. 
Mail a post-dated check today dated for any date this month that funds will be available. 
Contact the undersigned account representative so satisfactory arrangements can be made. 
Your attention to this matter is important to avoid further collection efforts. If payment has already been remitted, please call and notify your account representative promptly upon receipt of this notice. 

*To make a payment or setup a payment plan, go to www.genesiscred.com. 
Sincerely, COLUMBIA DEBT RECOVERY LLC DBA GENESIS ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Inquiries without my permission, derogatory report is inaccurate, late payment by XXXX XXXX is incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: NY

Complaint narrative:
my computer was hacked and my checking account was bricked and an unauthorized wire transfer was done this happened on XX/XX/2022 I found this unauthorized transaction by checking my balance on line and found the theft and unauthorized wire transfer to some person in XXXX who I never heard of for {$9600.00} I never in my life have ever done out going wire transfer I immediately called Chase Bank XXXX department I followed there instructions filed a Police report closed my account opens a new account changer my user name and password signed an affidavide stating it was unauthorized and had no knowledge of the person I have spent the last 6 months fighting with Chase Bank as they are denying my claim since it came from my computer which is ridicules especially since the bank did not follow normal procedures and informing me of this out going transfer which is the normal procedure example when I make a payment for my XXXX ins or XXXX XXXX ins on XXXX Chase keeps saying they are trying to recover my money I ask you what hacker is going to return my funds especially from a foreign country

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Previous complaints were closed out without any resolution. XXXX XX/XX/22, XXXX XX/XX/22, XXXX XX/XX/22, XXXX XX/XX/22, XXXX XX/XX/22 There are multiple violations that American Express is violating and as a federally protected consumer XXXX this is very troubling as they are affecting my character and quality of life. Please see attached.

Company response to consumer: Closed with explanation