vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-20 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:
Experian has been allowing a collection agency to report unverified amounts of medical debt four to five times per month for each account they claim I owe since 2015. I have filed disputes and requested Experian perform an investigation into the amounts being reported as the collection agency has repeatedly refused to to provide me with any account statements or documentation regarding the alleged debts. Experian continues to close my disputes stating the collection agency has certified to the amounts owed. They have ignored my disputes regarding each amount being reported four to five times each month and refuse to require the collection agency provide documentation after I have informed Experian that this information is being withheld from me. This has been an on-going issue each month since 2015 and the pervasive, unfounded negative reporting has resulted in derogatory marks on my credit report and my public records.

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 2022-08-20 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, # XXXX AR CHILD SUPPORT ENF, AR CHILD SUPPORT SER, AR OFF OF CHILDSPRT ENFO, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, AR CHILD SUPOORT SER 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. States a Consumer Reporting Agency can not furnish a account without my written instructions.

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 2022-08-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Big Picture Loans, LLC
State: MN

Complaint narrative:
On XX/XX/2022, I accepted a settlement in the amount of {$3000.00} as full and final settlement of my account, and I opted to make your payments by debit card ; however, this is still extremely difficult for me to pay in spite of my best efforts. The Big Picture Loans representative informed me that if I were to not make these payments on time the settlement would be null. I don't feel this company is fair or cooperative enough given how extremely high the interest charges and installment payments are. I need help please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 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: AL

Complaint narrative:
n accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

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 instruction.

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 2022-08-20 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In XX/XX/XXXX, I pulled my credit report and noticed erroneous and fraudulent data in my credit reports. I reached out to the credit bureaus and disputed the information. I received mail back informing me about sending in a photocopy of my unexpired identification and social security card along with my dispute letter. I've done this several times and received what in believe to be stall tactic letters, informing me that my social security card and unexpired identification card was not received. I've always sent in these self-verifying documents and received the same generic response letter in the mail. There's been several times I didn't receive any response at all. I am litigious consumer and will be seeking monetary damages for the credit bureaus willful non-compliance. 'I 've recently applied for an auto loan and has been given and unfair interest/insurance rate because of my credit score, which is affected by my inaccurate credit report. 

Date : XX/XX/XXXX Amount {$220.00} Action Taken : Under Collection, status Paid Date : XX/XX/XXXX Amount {$120.00} Action Taken : Collection/Charge off, status Paid Date : XX/XX/XXXX Amount {$180.00} Action Taken : Collection, status Paid Date : XX/XX/XXXX, XX/XX/XXXX, Amount : {$540.00} {$540.00} Action Taken : Revolving Account, Status Paid Date : XX/XX/XXXX, XX/XX/XXXX Amount : {$850.00} Action Taken : Collection/Chargeoff, Status Paid

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 2022-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
n accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

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 instruction.

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 2022-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
Over a year ago I requested, in writing the Midland Credit Management no contact me via telephone and only contact me in writing. I made a payment arrangement with them for 2 monthly payments each month and had automatic payment put on it. After 8 months, I had to change my debit card because it was compromised and I immediately contacted XXXX via the payment portal, updated my payment method with the new card and then wrote them as well and asked to have the account updated for ALL the payments ( to use the new card ). I received a email confirmation that this had been done. Around the end of XXXX I started getting phone calls from XXXX on my voicemail. This directly violated the request FCRA request to cease contact via telephone for me. They continued to contact me every other day until XX/XX/22 when I called them to see what they wanted. I was told my plan had been cancelled and that I was delinquent in my payments. I was shocked needless to say. During the call I arranged to enter the same payment arrangement ( XXXX XXXX x a month ), and provided the new debit card AGAIN, specifying that all the payments should be made to that card. He informed me that I would be charged that day, which my bank account verifies I was. I thought things were fine. Then I started to get calls from them again, again violating the request that I'd made and when I went onto the website recently I specifically checked only contact me in writing. I recieved today account summary stating that I still owe for the XX/XX/22 payment, which was supposed to have gone through on XXXX! I told the company to only contact me through email or postal mail. 

I am filing this complaint because they have violated my written request to stop calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
so for some backstory, I am a XXXX-year-old man that doesn't know how to access my bank account without one of my kids or grandkids helping me. I am on disability and XXXX and spend most of my time with my wife of over 35 years and son who is helping me write this. 

Details : I recently noticed a {$120.00} charge on my account and later showed it to my son, who said it was unusual ; initially, I thought it was a XXXX charge ; I contacted Wells Fargo earlier on XX/XX/XXXX and they refunded the charge on XX/XX/XXXX ; my son and I dug deeper in my account and discovered a charge of XXXX dating back to XX/XX/XXXX and almost every month until my complaint ; We discovered that the organization went by the aliases ( XXXX  ) and ( XXXX XXXX ) and that it is not even located in the same state as me. This organization has stolen over {$2200.00} from my account in total. This is why I am requesting your assistance, as I have submitted a claim to Wells Fargo and they refused and closed my claim on XX/XX/XXXX. 

thank you for listening to me and thank you.

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 2022-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Called XXXX - Stating that late payments stated on the credit reports are not accurate. You guys stated that you would delete the late payments due to malfunctions on your end and the issues that customers are having due to covid. 

I was laid off not long after the car was purchased. Obtain employment and then in XX/XX/XXXX the company closed my department and was laid off again. Obtain employment in XX/XX/XXXX but was laid off in XX/XX/XXXX due to Covid-19. During these times I tried my best to stay-a-float doing odd jobs. Then I caught XXXX and was very sick. 

I had to have an XXXX and I think that XXXX  saved my life. Got better and worked odd jobs again. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. Not as bad as the first time but I still have a XXXX XXXX XXXX to XXXX. Then Obtain another job in XX/XX/XXXX but was laid off again in XX/XX/XXXX due to the supply chain issues caused by XXXX. The company wasn't able to produce it's products due to the lack of computer chips it need. 

Please remove all late payments from credit report. The late payments are severally damaging my financial well being for the future and present.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
The statements made by Equifax is not proven that these accounts are mines. Checking with the creditors but not providing documents is not proof. As requested numerous times I need copies of debt validation for XXXX XXXX XXXX XXXX XXXXXXXX XXXX and also XXXX and XXXX  documentation that the debt was not settled as pay to delete. All the info listed as an explanation under Equifax completed investigation can not be submitted on my credit report without the companies shows this debt owed. Verified how where is the documentation that has been requested. Remove all of these accounts from my report if you can not provide written debt validation and payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Account ( ... XXXX ) I made three purchases that were " held '' buy the company when I was trying to send my cousin some clothes for a new job. I cancelled those transactions as they were hung up in the system. Also once I made a mistake on the address and they had to cancel. Eventually, she received her order billed on XX/XX/XXXX. 

My issue is with the three pre-authorizations created XX/XX/XXXX through XXXX. I confirmed the orders were cancelled with XXXX XXXX. 

They are still " holding '' my account hostage 8 weeks later. I tried to call the credit card folks but they kept shuffling me around and half the time I ended up in customer service. I have tried calling numbers given to me, but they end up in an automated queue to check balance and so on. 

I have left messages on the website too. Just no response that is helpful. I have attached the reply XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$240.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax, XXXX and XXXX are REDLINING MY Social Security number. I have seen my scores decrease with absolutely no change in my credit. I have no collections and have not had any late payment in over a Year. I contacted each bureau and was told that there was no change to my credit to warrant a significant drop in my scores. XX/XX/2022 my XXXX score was XXXX. By XX/XX/2022, my score with XXXX was XXXX. By XXXX XXXX my score went up to XXXX. I watched my score decrease without NO Change to My credit. By XXXX XXXX my score had went down to XXXX down XXXX points. I called XXXX and was told that there was no change. Equifax has done the same thing. XXXX XXXX my Equifax score was XXXX. It went to as high as XXXX on XXXX XXXX. By XX/XX/2022, my score decreased to XXXX a change of XXXX points. I verified with Equifax that there had been no change to my credit report. These bureaus are keeping me from reaching lending criteria. Also, these credit bureaus have reported a fraud indicator to these companies that are preventing me from establishing credit. Every company I apply to is saying that my identity can not be verified and there is a risk of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DO NOT HAVE A IDENTITY THEFT CASE OPEN OR PENDING. I DO NOT HAVE A SECURITY FREEZE ON MY SOCIAL SECURITY NUMBER. I DO NOT HAVE A FRAUD ALERT ON ANY OF MY ACCOUNTS WITH THE CREDIT BUREAUS. THIS IS EMBARRASSING AND DEFIMATION OF MY CHARACTER. I

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions authorized by me. There are variation of companies name, account numbers are incomplete, variations of balances. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include XXXX, XXXX and XXXX all three agencies have had data breaches. I have disputed with the company and all credit bureaus only to be denied even while reporting Midland Credit Management they are breaking FCRA Laws. Some of their variations of names are : 1. Midlandcre 2. Midlandcred 3. Midland Credit Management 4. Midland Credit Management Inc. 
5. Midland Credit Management LLC This tactic is a devious high tech scheme to try to keep uneducated ( to the law ) consumers in bondage. 
On XX/XX/2022 my credit score plummeted over 100 points. Midland Credit Management for months have reported willful, erroneous, illegal, fraudulent items on my consumer credit report. It has cost me a great deal of grief, money, time and stress. It has affected my health, my credit score has decreased, for years denied credit, denied employment, denied housing opportunities and loans. 
SEE ATTACHMENTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-20 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: FL

Complaint narrative:
XXXX XXXX agreed with Experian to close an account I received letter from them saying my balance was XXXX this past Friday my credit dropped XXXX points because that same company put that same collections on my credit again

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 2022-08-20 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
While checking my last credit report in XX/XX/XXXX, and my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1 ) XXXX XXXX XXXX : XX/XX/XXXX 2 ) XXXX XXXX XXXXXXXX : XX/XX/XXXX 3 ) XXXX XXXX XXXXXXXX : XX/XX/XXXX 4 ) XXXX : XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please also be advised that I sent a certified and written dispute with a copy of my drivers id and social security card to verify my identity, in disputing of the above fraudulent inquiries, and as of yet, over 30 days, and this information is still on my credit report in violation of Fair Credit reporting Act Section 611.

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 2022-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL

Complaint narrative:
I cant verify debt. I keep getting different numbers to call from the hospital about my debt and still have not succeed. I cant get in touch with the doctor to see if my insurance cover his doctor visit. I didnt receive a bill to my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Nelson and Kennard, LLP
State: CA

Complaint narrative:
XXXX XXXX XXXX-NELSON & KENNARD, XXXX XXXX XXXX XXXX XXXX XXXX SENT A LETTER TRYING TO COLLECT DEBT FOR ABSOLUTE RESOLUTIONS FOR THE AMOUNT OF XXXX ... XXXX XXXX XXXX-I SENT A LETTER ASKING TO VALIDATE THE DEBT ... XXXX XXXX XXXX, NELSON & KENNARD SENT LETTER WITH INTENT TO FILE SUIT WITHOUT EVEN FIRST VALIDATING THE DEBT AS REQUESTED ON XXXX XXXX XXXX.... AS TO TODAY, XXXX XXXX XXXX, IT HAS BEEN MORE THAN 30 DAYS. I STILL HAVE NOT RECEIVED ANY DOCUMENTS VALIDATING THE DEBT SINCE I REQUESTED IT ON XXXX XXXX XXXX. THE DEBT IS UNVERIFIABLE BECAUSE NELSON & KENNARD DID NOT RESPOND WITHIN 30 DAYS. I WANT NELSON & KENNARD TO CEASE ALL REPORTING AND CEASE ALL COLLECTION EFFORTS OF THE DEBT IMMEDIATELY. I WANT NELSON & KENNARD NOT TO FILE SUIT. I ALSO REQUEST TO HAVE THIS DEBT DELETED FROM MY CREDIT REPORT IMMEDIATELY... REFERENCE NUMBER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On July 28th, Capital One received a payment of {$2100.00} from XXXX for outstanding payments on my credit card ending in XXXX. This payment was in error since I had made a previous payment on July 14th of {$2200.00} for the same purpose. I called Capital One and was told that yes, the payment of {$2100.00} exceeded the amount required to pay off the outstanding balance, and a check would be remitted for the balance of {$2100.00}. 

This appeared clear cut to me. I overpaid and Capital One would reimburse the overpayment. 

In looking at my statement, on August 16th, I find I had been charged {$2100.00}. I called customer service and eventually talked to a XXXX who tried to explain why I was charged. The explanation was incomprehensible. She could not understand that there should have only been two actions : ( XXXX ) Capital One received an overpayment. ( 2 ) Capital One returns the overpayment. 

Although I contacted the card company about two weeks ago, I have yet to receive the {$2100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ZWICKER & ASSOCIATES
State: MO

Complaint narrative:
Zwicker and Associates notified me in the spring of 2022 that they had taken on my account from XXXX XXXX XXXXXXXX XXXX. I been in a year long payment arrangement that I paid diligently on time. Then when the arrangement ended, I had been forced to change to a lesser paying job, then go part time, then not work at all due to health issues surrounding XXXX XXXX and survival of XXXX with complications. I offered Zwicker and Associates a payment plan that was the highest amount I could do without any net income. I faxed this and outlined it to them on three different occasions including yesterday, XX/XX/XXXX, after finding out through the internet and soliciting attorneys that Zwicker had filed suit against me on XX/XX/XXXX in XXXX XXXX court. They have not, to this day, provided any notification of this filing to me. I only learned of it through other attorneys wanting to represent me in this hearing! I contacted XXXX XXXX in the XXXX XXXX for Zwicker via email outlining my request for settlement and notifying him that I had not been notified by them or the court of the lawsuit and had found out by chance. I made a settlement offer. 

This complaint is due to the fact they Zwicker and Associates filed a lawsuit against me to serve judgement for the debt I own to XXXX and did not, to this writing notify me of the suit, therefore, it would have ended in a default judgement because I never knew the suit was filed.

Company response to consumer: Closed with explanation