vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
HI ( CREDIT COLLECTION SERVICES Address XXXX XXXX XXXX XXXX XXXX, MA XXXX Phone ( XXXX ) XXXX ) Im confused and XXXX  and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 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: FL

Complaint narrative:
I have mailed numerous letters pertaining to my credit report and the incorrect information reported in it, to no avail have I received responses from the credit reporting bureau agency Experian. It has been over 60 days since I sent the first request via certified mail with return receipt to investigate into my credit report. The first letter sent to this reporting agency was XX/XX/2020 ( I will include these receipts ).

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 2021-05-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
I am aware of my rights as a consumer and it has been brought to my attention that my rights have been violated with this company in the past. I have been violated under the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), The Truth In Lending Act ( TILA ), and the Fair Credit Reporting Act ( FCRA ). For years I made payment towards this debt when in fact I did not owe. I am the original creditor. Santander is not the original creditor. Santander is a debt collector 15 U.S.C. 1692a ( 6 ), any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another ). 
I extended my credit and filled out and submitted a credit application to create this debt. I used my credit card number on the credit application. Credit from my open-end credit plan funded this consumer credit transaction. Unauthorized use occurred as defined in 15 U.S.C. 1602 ( p ), ( as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. ). For years I continuously made payments towards a debt that was already paid yet was harassed, threatened with late fees, potential repossession as a result of missed payments, etc. 
At the time I created the debt my name was different. I have since had a legal name change. So the account associated with my SSN will reflect my former name. 
I am enclosing a copy of a credit report which shows Santander reporting. I paid the entire {$10000.00} balance in full. If this matter is not resolved I will have no other choice but to file a civil suit against XXXX in Federal Court for discrimination under the Equal Credit Opportunity Act because I am exercising my consumer rights under this chapter. Pursuant to 15 U.S.C. 1691 ( a ) ( 3 ), ( It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transactionbecause the applicant has in good faith exercised any right under this chapter. ). 
I look forward to your full cooperation in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 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: WA

Complaint narrative:
I went to XXXX XXXX located in XXXX, Washington to purchase a used car. I was already pre-approved through XXXX XXXX for the loan and had a check in hand with me. I was putting down {$5000.00} as a down payment. The guy said he needed to run my credit. I asked why? Im pre-approved through my bank already. He said its a soft hit for the check to verify it. I said okay, No need to check my credit for a loan approval. They took my ssn, drivers license and information and after 20 minutes I got a notice to my email saying there was a inquiry to my credit report. I was angry because I had just got a inquiry getting the loan approved through my bank. 

The employee at the dealer kept lying saying he didnt pull my credit report and it was just a soft hit to verify the check. I said why didnt you call the bank to verify the check. He said they always do a soft verification for checks. He was lying. Another couple was getting a car and presented a check and I didnt hear them tell them they would have to check their credit for the check. 

They kept saying they didnt do a hard hit but they did. I went back and forth with the manager trying to get it removed over the phone for several weeks. He said he would take care of it and never did. The credit bureaus dont allow you to dispute a hard hit online. You have to send in a letter and go through several inconvenience steps when this should have never happened. I want this inquiry removed. I feel they only verified me because I was a XXXX guy presenting this check!

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 2021-05-30 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: WA

Complaint narrative:
I went to XXXX XXXX located in XXXX, Washington to purchase a used car. I was already pre-approved through XXXX XXXX for the loan and had a check in hand with me. I was putting down {$5000.00} as a down payment. The guy said he needed to run my credit. I asked why? Im pre-approved through my bank already. He said its a soft hit for the check to verify it. I said okay, No need to check my credit for a loan approval. They took my ssn, drivers license and information and after 20 minutes I got a notice to my email saying there was a inquiry to my credit report. I was angry because I had just got a inquiry getting the loan approved through my bank. 

The employee at the dealer kept lying saying he didnt pull my credit report and it was just a soft hit to verify the check. I said why didnt you call the bank to verify the check. He said they always do a soft verification for checks. He was lying. Another couple was getting a car and presented a check and I didnt hear them tell them they would have to check their credit for the check. 

They kept saying they didnt do a hard hit but they did. I went back and forth with the manager trying to get it removed over the phone for several weeks. He said he would take care of it and never did. The credit bureaus dont allow you to dispute a hard hit online. You have to send in a letter and go through several inconvenience steps when this should have never happened. I want this inquiry removed. I feel they only verified me because I was a XXXX guy presenting this check!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: PLS GROUP, INC
State: MA

Complaint narrative:
Yesterday Saturday XX/XX/XXXX pls card they saying I withdraw money and I didnt even do it I dont see the transactions on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I Call to Barclay 's and inform that I Lost my job, and the only I can paid is XXXX monthly. they never want to help me to lower my monthly payment. I been pay a monthly, at least 2 weeks before due date of {$100.00}. That's the only i can afford right now. I never stop pay, but I sent what i can afford. They never listen to me, they just harassments every month. I need help, I don't denied to pay, but I just need help to low my monthly due to {$100.00}, and stop harassment 's, and also stop give a negative report to my credit. 

Sincerely 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 2021-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX Reported : XX/XX/2021 {$92.00} There are no valid claims ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be reported incorrectlythis is unlawfulDebts can not be collected twice Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXXXXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

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 2021-05-30 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: GA

Complaint narrative:
XXXX XXXX XXXX Reported : XX/XX/2021 {$92.00} There are no valid claims ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be reported incorrectlythis is unlawfulDebts can not be collected twice Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

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 2021-05-30 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: Radius Global Solutions LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX Reported : XX/XX/2021 {$92.00} There are no valid claims ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be reported incorrectlythis is unlawfulDebts can not be collected twice Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

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 2021-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Debt Recovery Solutions, LLC
State: IL

Complaint narrative:
Debt Recovery Solutions is still showing on my XXXX  report with 1 amount showing for {$890.00} and another amount showing for $ XXXX.They replied to my CFPB complaint that they will request these activities be remove/delete but they have failed to hold their word and obey the law. 



I dont know this company I have never done business with this company this company doesnt have any contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 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: NC

Complaint narrative:
On XX/XX/XXXX I sent out letters disputing accounts on my credit profile to all three credit bureaus XXXX XXXX and Transunion. I have yet to be notified of my investigation status. I disputed misleading accounts on my credit report because they weren't my accounts. I feel as if I am being taken advantage of during this process from these three bureaus. This process has also given me lots of XXXX and I want to move on. I even sent a DEMAND TO COMPLY letter and still haven't heard anything. According the FCRA bureaus have 30 days to reply to any letters and they have failed to do so.

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 2021-05-30 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX I sent out letters disputing accounts on my credit profile to all three credit bureaus Equifax, XXXX and XXXX. I have yet to be notified of my investigation status. I disputed misleading accounts on my credit report because they weren't my accounts. I feel as if I am being taken advantage of during this process from these three bureaus. This process has also given me lots of XXXX and I want to move on. I even sent a DEMAND TO COMPLY letter and still haven't heard anything. According the FCRA bureaus have 30 days to reply to any letters and they have failed to do so.

Company response to consumer: Closed with explanation