vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Harley Davidson Financial Services Inc
State: AL

Complaint narrative:
I was a victim of deception. My ex-fianc established a loan for a motorcycle while I was undergoing XXXX treatments. Once I realized what was done, I did contact the company and tried to explain everything, but they didn't care. The motorcycle was repossessed and I was sent a letter notifying me that it was going to be sold at an auction. I never received any other notification from the company until the balance owed showed up on my credit report. The company, Harley Davidson, never sent me a break down of the balance once the motorcycle was sold to explain the balance. I have tried to contact the company several times by letter to get a copy of breakdown in charges and the only thing that I was sent was a copy of the contract agreement that has a electronic signature. My ex-fianc had my  personal information and applied for the loan in my name and the address on the loan agreement was partially incorrect. There are many red flags about this situation and I want to understand why I am owed the balance that they state I owe. The loan was generated on XXXX XXXX, in the amount of $ 24,046.80.The loan was for a XXXX  XXXX XXXX XXXX XXXX XXXX. The balance stated owed is {$10000.00}. There was a {$3000.00} service contract on the motorcycle per contract, and also {$990.00} XXXX XXXX. These are both refundable items. I am reaching out to your organization in hopes of rectifying my issue with company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CarMax, Inc.
State: MS

Complaint narrative:
I've previously attempted to settle the matter with this company several times but they continue to ignored my requests and are in dishonor. The company received a Notice and Demand to Validate Debt Claim on XXXX XX/XX/2020, according to the tracking info on the Notice. As of XXXX XX/XX/2020, no response has been received and the company is well over the 30 days provided in the Notice and Demand to Validate the Debt. Carmax responded to the previous complaint to the CFPB on XX/XX/2020 where they allege their " records do not reflect receipt XXXX a debt validation request from Ms XXXX prior to her complaint '' which is false and misleading because the USPS tracking number shows that the document was delivered on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I live with someone else. This is the second time Since XX/XX/2018 my account information has been co-mingled with our living partners. I have requested twice a validation of Debt in writing with no written or electronic response. Under the law [ FCRA/FDCPA ], this alone proves the debt is NOT MINE. This greedy " corporate '' entity is still trying to take advantage of people during COVID-19 an collect money from sick people who have little health coverage during the pandemic. The account they have been trying to collect from, is from a bank I have been a member of a credit union since before then. Very uncooperative when trying to call on the phone and explain their mix up, I don't have time for this as they reduced hours at work since the start of the Corona virus outbreak. It is such a RipOff the have Portfolio Recovery have complete access to all the consumers credit reports and then try to force them to pay for debts that at not even theirs. They say I owe {$100.00}, I say I owe {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was out of work and didnt have any income. Im willing to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: Absolute Resolutions Corp.
State: MD

Complaint narrative:
I have an outstanding debt that I have been paying to Absolute Resolutions Investments , LLC ( XXXX ) through their collector, XXXX, XXXX, XXXX XXXX XXXX, XXXX ( XXXX ) The arrangement was formalized with a court hearing in XXXX. 
1 ) The company that I owed the debt to XXXX XXXX an affiliate of XXXX XXXX XXXX  sold the debt to ARI 2 ) XXXX XXXX   contracted with ( XXXX  ) to collect the debt 3 ) XXXX  sent me a letter dated XX/XX/XXXX advising that they now owned the debt and I needed to pay in full or make payment arrangements 4 ) I called XXXX and made arrangements to pay monthly letter of confirmation dated XX/XX/XXXX 5 ) During the time of the payment with no missed payments XXXX  sent me a confessed judgement letter to be signed by myself and to continue with the same payment arrangement as before. I did not sign it but continued to pay. 
6 ) Despite the fact that I was honoring the payment arrangement with no missed payments ARI/XXXX filed a lawsuit ( weaponizing the court system ) 7 ) Absolute Resolutions Investments filed for a judgement 8 ) I went to a court hearing XX/XX/XXXX where the attorney for XXXX  accepted a written payment arrangement which I have honored in exchange for dismissing the judgement 9 ) In XX/XX/XXXX for the first time a negative collections mark appeared on my credit report from ARI 10 ) I called ARI to find out why. They said that in XXXX they got permission to report debts to the Credit Bureaus and my payment arrangement does not exclude that 11 ) ARI has acted in bad faith. I honored the arrangement I missed no payments.

12 ) Their action immediately caused my credit report to drop by 23 points 13 ) The negative collection account report on my credit report affects my ability to get employment, my ability to get housing, my ability to get loans and if I get loans significantly increases my interest rate. 
14 ) ARI has significantly harmed a paying client/customer/debtor who is completely cooperating 15 ) The payment arrangement has not changed 16 ) This situation represents an abuse of their power and position 17 ) XXXX  sends me a mail confirmation of payment received each month 18 ) They sent me no other communication 19 ) There was no notice sent about their intent to take this aggressive and punitive action against me 20 ) I do not doubt that ARI have many accounts not paying as agreed. I have just received the same penalty as those debtors. ARI has not demonstrated the ability to responsibly use this powerful tool that they have weaponized against cooperating debtors 21 ) I am requesting that they remove this negative remark from any and all credit bureaus immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Location Services Holdings, LLC
State: SC

Complaint narrative:
MY VEHICLE WAS REPOSESSED ON XX/XX/XXXX THE REPO COMPANY DID NOT SHOW ME ANYTHING as PROOF THE YOUNG GUY STATED THAT HE WAS DOING A " SWEEP '' ON THE CAR AND THAT HE WAS GOING TO TAKE PICTURES OF THE VEHICLE HE ASKED IF I HAVE EVER HAD PICTURES TAKEN OF MY VEHICLE INSIDE AND OUT, I STATED " NO '' HE STATED " LET ME WALK BACK TO MY TRUCK TO " SHOW '' YOU WHAT I HAVE FROM YOUR FINANCE COMPANY AND HE  JUMPED IN THE RED REPOSESSION TRUCK WITH MY XXXX XXXX XXXX ATTACHED AND PULLED OFF. " I WAS BEING FOLLOWED AND TRACKED ILLEGALLY VIA BLUETOOTH DEVICE THAT I HAVE " NEVER '' ACTIVATED ON THE CAR. I WASN'T GIVEN ANY NOTICE THAT A " DEVICE '' WAS PLACED OR GOING TO BE PLACED ON OR INSIDE THE CAR I STILL HADN'T RCVD ANY DOCUMENTATION OF REPOSESSION UNTIL XX/XX/XXXX VIA MY PERSONAL P.O.BOX FROM THE REPO COMPANY, THE DOCUMENT DIDN'T HAVE THE LOCATION LISTED WHERE MY VEHICLE WAS REPOSESSED FROM ON IT, IT JUST HAS XX/XX/XXXX @ XXXX ON IT. I CONTACTED XXXX  XXXX XXXX XXXX  " OFFICE OF THE PRESIDENT '' LOCATED IN XXXX TEXAS XXXX. I SPOKE WITH REPRESENTATIVE STATED THAT THEY DO " NOT '' GIVE THE REPOSESSION COMPANIES ANY PERSONAL MAILING INFORMATION. XXXX XXXX AUTO REP STATED TO ME THAT THE REPO COMPANY WAS " NOT '' SUPPOSED TO DO THAT. THEY DON'T GIVE THEM PERMISSION TO DO THAT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: MI

Complaint narrative:
I live with someone else. This is the second time Since XX/XX/2018 my account information has been co-mingled with our living partners. I have requested twice a validation of Debt in writing with no written or electronic response. Under the law [ FCRA/FDCPA ], this alone proves the debt is NOT MINE. This greedy " corporate '' entity is still trying to take advantage of people during COVID-19 an collect money from sick people who have little health coverage during the pandemic. The account they have been trying to collect from, is from a bank I have been a member of a credit union since before then. Very uncooperative when trying to call on the phone and explain their mix up, I don't have time for this as they reduced hours at work since the start of the Corona virus outbreak. It is such a  RipOff the have XXXX XXXX have complete access to all the consumers credit reports and then try to force them to pay for debts that at not even theirs. They say I owe {$100.00}, I say I owe {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: MI

Complaint narrative:
I live with someone else. This is the second time Since XX/XX/2018 my account information has been co-mingled with our living partners. I have requested twice a validation of Debt in writing with no written or electronic response. Under the law [ FCRA/FDCPA ], this alone proves the debt is NOT MINE. This greedy " corporate '' entity is still trying to take advantage of people during COVID-19 an collect money from sick people who have little health coverage during the pandemic. The account they have been trying to collect from, is from a bank I have been a member of a credit union since before then. Very uncooperative when trying to call on the phone and explain their mix up, I don't have time for this as they reduced hours at work since the start of the Corona virus outbreak. It is such a RipOff the have XXXX XXXX have complete access to all the consumers credit reports and then try to force them to pay for debts that at not even theirs. They say I owe {$100.00}, I say I owe {$0.00}.

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 2020-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc.
State: NC

Complaint narrative:
I am submitting this complaint because EOS CCA is being unfair and negligent. This company has RE-AGED the account and is reporting discrepancies across bureaus. I sent them a debt validation letter back on XXXX. They failed to respond or even mark the account as disputed. They didn't even investigate the disputes. Basically, I was ignored by this company. 

I am disputing the following item on my report : Account information : account # XXXX, opened : XX/XX/XXXX, original balance Account information : account # XXXX, opened : XX/XX/XXXX, original balance {$380.00}, original creditor : XXXX  XXXX XXXX 

I am willing to take this to the next step by filing a small claim against the company because they have committed multiple violations against my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Focused Recovery Solutions, Inc.
State: NC

Complaint narrative:
FOCUSED RECOVERY SOLUTIONS is being unfair and negligent. This company has RE-AGED the account and is reporting discrepancies across bureaus. I sent them a debt validation letter back on XXXX. 

They failed to respond or even mark the account as disputed. They didn't even investigate the disputes. Basically, I was ignored by this company. 

I am disputing the following item on my report : Account information : Opened : XX/XX/2015, High balance {$56.00}, original creditor : XXXX XXXX XXXX, balance {$0.00}. 

I am willing to take this to the next step by filing a small claim against the company because they have committed multiple violations against my consumer rights.

Company response to consumer: Untimely response
Consumer complaint received 2020-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FinCo Services Inc DBA Current
State: AZ

Complaint narrative:
On theXX/XX/2020, my sons allowance was allowed to be stollen from his current card. While he slept their lack of security allowed someone to charge at the same place,XX/XX/XXXX, Approximately 20 times in a few hours. They will not respond to us we must contact them only by text. They said if we would file a dispute form they would replace the money while the dispute is being challenged. When we check on it they text that they are still waiting for a response. They have not issued his Money back, they do not allow any contact, he has started school and has no access to his own prepaid money. We filed the dispute on XX/XX/2020 and no response and no money returned so he can remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$1600.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my 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 2020-09-15 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$1600.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my 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 2020-09-15 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$1600.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: CA

Complaint narrative:
there are some hard inquiries Not made by me I have ask to verify with proof that I made those inquiries but Experian refused to do so. XXXX   and XXXX  graciously removed all inqueries not made by me. but Experian has not done the right thing.

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 2020-09-15 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: MARINER FINANCE, LLC
State: TN

Complaint narrative:
I received a loan from marina finance when trying to finance furniture in 2019. I have been paying my bill online. I was told that they dont offer this type of loan so I refinance. Today I get a notification from XXXX  that marina finance reported 30 days late in the months on XXXX XXXX XXXX and XXXX. But on my XXXX and XXXX  Im not late at all.. im confused Im unaware of these late payments and can not understand why they are now showing on my credit report one year later and the account has been closed for 3 months. I have tried to get this resolved with the company I even have bank statements as proof that these payments were made on time.

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 2020-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
The following closed accounts listed on my current Equifax credit report are fraudulent, unauthorized and not my accounts : XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX. Furthermore, I do not want any extended fraud or security alerts on my credit report.

Company response to consumer: Closed with explanation