vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FORD MOTOR CREDIT CO.
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 2023-06-07 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I submitted a dispute to Equifax regarding the account for XXXX XXXX XXXX XXXX XXXX to update the debt to reflect XXXX balance or paid in full/closed as of XX/XX/XXXX. I submitted documentation to support the update request. I contacted Equifax on XX/XX/XXXX and after explaining the purpose of the dispute the CSR recommended, I submit the dispute to have the account updated quickly, it has been approximately 45 days and my Equifax dashboard is still reflecting the account balance as open/never late and displaying a balance of {$9200.00}. Again, the balance should reflect {$0.00} paid/never late. Equifax stated they would contact the creditor, XXXX XXXX XXXX XXXX XXXX, to verify the account status/balance. I also forwarded the supporting documentation that states the account is paid in full and closed via mail to Equifax on XX/XX/XXXX. I requested this account to be updated since I provided supporting documentation, specifically. Again, this is a lack of attention to detail on behalf of Equifax. If Equifax contacted the creditor XXXX XXXX XXXX XXXX XXXX, they would have confirmed that the information I provided along with the supporting document is sufficient for accurately updating the account. Each time I request the information to be updated correctly, it requires a new dispute which causes further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
My father passed away in XX/XX/XXXX. His mortgage was held by Select Portfolio Servicing Inc ( SPS ). I went to court and was appointed as the Administrator of his estate. Once I had the applicable court documentation I called SPS to catch up the mortgage to ensure the property would not be lost. I first contacted SPS on XX/XX/XXXX and emailed in all the requested documentation to have me added as an authorized individual on the account. However even with the court paperwork they refused to provide me info on the loan, amount to get it current, etc. until I provided them my tax returns, pay stubbs etc. With each call they would try and trick me into applying for a new mortgage by providing all those documents all while the mortgage grew further behind because they would not provide info. After several calls where I tried to obtain the needed info and instead was tried to be tricked into taking a new loan in my name at the current interest rates which are double the current note rate I got my attorney involved. We called SPS together and of course upon hearing there was an attorney on the line they for the first time said they dont need my tax returns and pay stubs and can tell me whatever I need to know. Thus the first complaint again SPS is that they are trying to take advantage of individuals in difficult times after loosing a loved one to try and leverage them into new business even though it is not required by law they act as if it is. 

The second complaint is during this period of time when they would not provide the mortgage info to get it paid current they were without notifying us or consent sending technicians into our property. They changed the locks despite no communication or filing about any movement toward foreclosure. Upon paying the mortgage current we were still not notified of their accessing the property nor was the lockbox removed. They have now changed our locks and when opening the lockbox no key is inside so we can not access our own property that is fully current on the mortgage. Because they changed the locks and let unknown persons into the residence our property was illegally access and all my late father possessions have been stolen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: TX

Complaint narrative:
I do not give permission to Experian to place the inquiry for XXXX on XX/XX/2023 and and asked them to remove their credit inquiry from my credit profile. I also asked them to ease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation.

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 2023-06-07 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: VA

Complaint narrative:
I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.

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 2023-06-07 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: WI

Complaint narrative:
I sent a letter in attempt to remove These accounts that should not be furnished on my consumer report as they are in violation! Under 15 US Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other; ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.As a consumer, I am demanding the deletion of all the accounts listed IMMEDIATELY! 

XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$5100.00} XXXX XXXX XXXX XXXX {$85.00} US Dept of ED/GSL/ATL XXXX US Dept of ED/GSL/ATL XXXX XXXX XXXX XXXX XXXX {$23000.00} XXXX XXXX XXXX XXXX {$62.00} XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07 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: WI

Complaint narrative:
I sent a letter in attempt to remove These accounts that should not be furnished on my consumer report as they are in violation! Under 15 US Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other; ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.As a consumer, I am demanding the deletion of all the accounts listed IMMEDIATELY! 

XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$5100.00} XXXX XXXX XXXX XXXX {$85.00} US Dept of ED/GSL/ATL XXXX US Dept of ED/GSL/ATL XXXX XXXX XXXX XXXX XXXX {$23000.00} XXXX XXXX XXXX XXXX {$62.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX which is a umbrella company by the name of XXXX XXXX XXXX has been reporting a account under my name which I have no knowledge of. I have disputed this account 30 times with the credit bureaus & they keep verifying this account as accurate. I have sent over a FTC report & they have still verified it as accurate. I have contacted them multiple times left messages for the compliance team. Everytime i try to speak with someone I end up speaking with XXXX whom I have told that I had another vehicle at that time so I did not need another vehicle & i also provided him with my location at the time of the purchase of the car he still states that doesnt mean anything & It could still be my vehicle. I have tried multiple times to get this situation resolved, but no one contacts me or reaches out to me. They are also reporting inaccurate information. I need this account removed from my credit report asap & I also need them to follow the procedures listed on the affidavit.

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 2023-06-07 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: FL

Complaint narrative:
To Whom it may concern. 
My name is XXXX and since 2008 or so I have been a victim of ID Theft. There are some Banks on my credit report that are either my family 's or opened by ID theft. I received information on how to dispute items opened by ID THEFT from the CFPB Website. I used that template and made an FTC Affidavit & Report Number : XXXX. I also signed the dispute letters and received a response saying I did not send this in myself or authorize it. But I did authorize this dispute from TRANSUNION XXXX XXXX. I have not received any response from XXXX, the Tracking # is 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 2023-06-07 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:
To Whom it may concern. 
My name is XXXX and since 2008 or so I have been a victim of ID Theft. There are some Banks on my credit report that are either my family 's or opened by ID theft. I received information on how to dispute items opened by ID THEFT from the CFPB Website. I used that template and made an FTC Affidavit & Report Number : XXXX. I also signed the dispute letters and received a response saying I did not send this in myself or authorize it. But I did authorize this dispute from XXXX XXXX XXXX. I have not received any response from Equifax, the Tracking # is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: CA

Complaint narrative:
I pay my mortgage monthly online via XXXX XXXX XXXX. It arrives by the XXXX. My bill states that if my payment arrives after the XXXX of the month I will be assessed late fees. 
I confirmed with the bank all dates of delivery were by the XXXX th at the latest. 
I called CMG motrtgage and complained about the late fees being tacked on. They reversed them. 

I suspect I am not alone in being charged unnecessary fees by this mortgage lender, I suggest someone look intro the issue. 
I was kept on hold twice for 15 minutes while they supposedly fixed the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
I have an Aspire Credit Card. I made a payment on XX/XX/XXXX for what I thought was the XXXX and XXXX payments, that is what it showed as Due. I don't have another payment showing Due until XX/XX/XXXX but the amount does not look correct- they are sending the request only via text to my phone. 

I signed up originally - request paperless statements to be sent to my email. Which they have the correct email. But I have not seen any statements. 

I usually check my account online to verify charges, statements, etc. They now have locked me out of my online account, even though I made a XXXX payment and the XXXX is not due yet. 

I have called several times their Customer Service Number which is out of the country. They keep routing it to Collections who refuses to unlock my online account or send me the statements for XXXX UNLESS I pay them what they are demanding first. 

I can not pay them until I SEE the statements or preferably gain access to my online account to verify the charges and amount they are demanding. 

I WANT to pay them. In fact I hope to PAY them OFF and get rid of this card!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07 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:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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:
I strongly request that you update my account to accurately reflect my payment history.

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 2023-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc.
State: TX

Complaint narrative:
This debt collector used unfair, abusive, and misleading tactics, all of which are against the FDCPA. They provided this account, on which neither I nor we could reach agreement. Two parties sign a formal contract, and I was not a party to any of the signings. Additionally, they didn't adhere to the correct five-step validation process, which makes their actions unfair. I am entitled to {$1000.00} under the Fair Debt Collection Practices Act ( FDCPA ), and it is obvious that my rights were violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
I WAS INVOLVED IN A TERRIBLE XXXX WHERE A XXXX XXXX XXXX HAVE XXXX MOMS CAR AND WAS OUT XXXX XXXX. THE CAR COLIDATED WITH ME HEADS ON. I SUFFERED A XXXX XXXX XXXX HAD TO GET A XXXX IN MY XXXX AS WELL AS A XXXX IN MY XXXX. THE CAR WAS PAID OUT BY MY INSURANCE COMPANY OUT RIGHT. THE ACCOUNT IS REPORTING OPEN WHEN THE ACCOUNT BEEN PAID OUT AND CLOSED OUT IN XX/XX/2020. 15USC 16816 ( 2 ) Manner of notification A consumer shall notify a consumer reporting agency under paragraph ( 1 ) ( A ) through the notification system maintained by the agency under paragraph ( 5 ) ; or ( B ) by submitting to the agency a signed notice of election form issued by the agency for purposes of this subparagraph. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: WA

Complaint narrative:
Have been getting multiple ( 3 or more ) calls a day, every day for the last 60 days. They are bypassing the DO-NOT-DISTURB setting on my phone and filling my voice-mail. They are disturbing me while I am working and I can not keep my voice-mail open and available for important calls from my son 's school and doctor.

Company response to consumer: Closed with non-monetary relief