vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Debt was handed over to a law firm and the account shows closed on my credit report. When trying to obtain a new vehicle at a dealer they are showing to credit bureau that the account is open.

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 2022-03-10 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: PA

Complaint narrative:
My name is XXXX XXXX and I'm writing in regards to XXXX XXXX, whom you are furnishing inaccurate and incorrect information to the consumer reporting agencies. The account is charge-off/collection account. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood & caused me anxiety. 
I wrote XXXX XXXX via certified mail on XX/XX/XXXX a Debt Validation requesting for a Validation and they IGORNED my Debt Validation Request. On XX/XX/XXXX at XXXX I wrote XXXX XXXX XXXX XXXX Chairman and Chief Executive Officer & XXXX XXXX XXXX Vice President and CEO of XXXX XXXX XXXX and I got no response from them. In my letter I stated they had 10 days to remove the unverified item and again I heard nothing. This is the 2nd time XXXX XXXX ignored my requests. In this complaint I attached a copy of the certified mail receipt along with my debt validation request that XXXX XXXX ignored. Along with a copy of the email I send to them that was also ignored. XXXX XXXX has violated my consumer rights, not once but twice! Please stop violating my rights and remove this item from my consumer report. By law the CRA 's, creditors whom ever has 30 days to complete a 30day investigation, & XXXX XXXX failed to do so. The 30 day mark has come and gone over 4months ago! Therefore Experian Information XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX by law shall remove this item from my consumer report. I'm not repeating myself again! You think I'm playing watch me? I will continue to build my case and Sue all three of yall for damages! There is a laundry list of damages caused upon me from yall reporting this item! 
CC : Pa attorney General, FTC & the XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: NY

Complaint narrative:
This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with XXXX plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp
State: NJ

Complaint narrative:
I got a loan of XXXX dollars, annual interest from lending club 29.93 % in 36 monthly installments, the amount of installments is XXXX dollars every month. In XX/XX/2019 I made my payments on time and there were no late payment or missing payments. I was struggling with covid XXXX, i lost my job and they helped me for two months and thats when I didn't pay for XXXX months. They increased the number of installments to 38 months, then again when the time expired, I continued to make my payments properly and on time, but I saw that the debt did not decrease normally, the difference is now XXXX dollars. The amount of the debt has increased and it is increasing every month. 7 months ago, when I looked at my remaining debt, the difference was XXXX dollars. 3 month ago i checked the difference and it was XXXX dollars. Now the difference was XXXX dollars. I called the customer service, they did not help, they made up a lot of excuses, they helped as covid XXXX aid, but they charged me more and this debt is increasing every month. As of now, I have XXXX installments left XXXX * XXXX = XXXX dollars, but my debt to them is XXXX dollars now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Portfolio Services, Inc.
State: KS

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: TX

Complaint narrative:
XXXX XXXX is furnishing inaccurate and incorrect information to consumer reporting agencies. 
The reporting of such information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 
The account XXXX XXXX is reporting is a charged off account which is canceled debt. A 1099c was issued. The account turns into gross income. Income can not be reported on a consumer report per federal law. This account is reporting inaccurate information. 
Consumer reporting agencies don't have permissible purpose. I have not given written consent. 
Delete this account from my consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX is furnishing inaccurate and incorrect information to consumer reporting agencies. 
The reporting of such information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 
The account XXXX XXXX is reporting is a charged off account which is canceled debt. A 1099c was issued. The account turns into gross income. Income can not be reported on a consumer report per federal law. This account is reporting inaccurate information. 
Consumer reporting agencies don't have permissible purpose. I have not given written consent. 
Delete this account from my consumer report immediately.

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 2022-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
ARS collections has been harassing me via mail and phone calls saying I owe them {$1400.00} and I have asked them to validate the debt on many occasions which they have not done. So I called the medical billing center to get a physical copy of the bill and come to find out the actual bill is {$600.00}. This bill is affecting my credit in a negative way and my living situation and they refuse to rectify it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Acra Intermediate Holdings, LLC
State: TN

Complaint narrative:
I started the process with XXXX XXXX around XX/XX/2022 working with XXXX XXXX. I had all of the initial paperwork submitted by XX/XX/XXXX. The process dragged on for almost 2 months due to internal operational issues to only be denied at the end. The frustrating aspect is that denial will likely be for something I communicated specifically about to the lender Day 1. The exact reason for denial has not been provided to me yet, the lender hit my credit report with 3 inquiries spread out which resulted in a ~XXXX point drop, and an appraisal was done which cost me {$750.00}. I was informed that currently the lender is denying everyone 's mortgages due to the company losing a ton of money when selling the bundled loans on the secondary market. In addition, I have not been provided with a copy of my mortgage application that was signed ( Even after a request ) nor I have I received a copy of the appraisal report which I requested. The net effect of this process is a XXXX point hit on my credit score, 2 months of wasted time, {$750.00}, and as a result of the time wasted ... higher interest rates which will result in potentially {$10000.00} or more in the difference on interest paid on a 30 year fixed loan product. It is very clear that this lender has no intention of actually pushing through mortgages which results in a XXXX poor user experience that results in wasted resources from top to bottom. The communication from the lender has also been painfully slow. I have called the lender over 120 times during this loan process to only have my calls picked up on about 6 or 7 total occasions. The rates communicated to me at the beginning of the process went up on me 3 separate times during the loan process since my initial conversation. It appears that once the agreement was signed to lock in the rate with the lender, the underwriting team is coming back and denying everyone application for any reason to shut down in additional losses coming through the pipeline. I would highly suggest everyone to not work with this lender in the future as they clearly have no desire to actually do mortgages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NC

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

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 2022-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: CA

Complaint narrative:
This criminal company ELAN financial IS NOT CALCULATING my reward points correctly and refused to give over 5500 rewards point, after calling 3 times and waiting over 20 minutes each 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 2022-03-10 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
I'm not the smartest man. Titlemax told me to make payments and I did. Now, after making the XXXX monthly payment their app said to make, they are telling me I have to pay XXXX now or they will take my car. I asked the employee that called me if there was anything I could do. She told me they can only help if I pay the amount. I don't have XXXX dollars to renew the loan. I thought XXXX a month was my payment. I can afford that. I can't afford to pay XXXX to extend a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: PA

Complaint narrative:
My name is XXXX XXXX and I'm writing in regards to XXXX XXXX, whom you are furnishing inaccurate and incorrect information to the consumer reporting agencies. The account is charge-off/collection account. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood & caused me anxiety. 
I wrote XXXX XXXX via certified mail on XX/XX/XXXX a Debt Validation requesting for a Validation and they IGORNED my Debt Validation Request. On XX/XX/XXXX at XXXX I wrote XXXX XXXX XXXX XXXX Chairman and Chief Executive Officer & XXXX XXXX XXXX Vice President and CEO of XXXX XXXX XXXX and I got no response from them. In my letter I stated they had 10 days to remove the unverified item and again I heard nothing. This is the XXXX time XXXX XXXX ignored my requests. In this complaint I attached a copy of the certified mail receipt along with my debt validation request that XXXX XXXX ignored. Along with a copy of the email I send to them that was also ignored. XXXX XXXX has violated my consumer rights, not once but twice! Please stop violating my rights and remove this item from my consumer report. By law the CRA 's, creditors whom ever has 30 days to complete a XXXX investigation, & XXXX XXXX failed to do so. The 30 day mark has come and gone over XXXX ago! Therefore XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Equifax Information Services LLC by XXXX shall remove this item from my consumer report. I'm not repeating myself again! You think I'm playing watch me? I will continue to build my case and XXXX all three of yall for damages! There is a laundry list of damages caused upon me from yall reporting this item! 
CC : Pa attorney General, FTC & the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase is reporting a charged off account to my consumer report. A 1099c has been issued and the account is canceled debt. The account is gross income and Income can not be reported to a consumer report per federal law.

Chase is furnishing inaccurate and incorrect information to consumer reporting agencies. 
The reporting of such information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 
Also, there is no permissible purpose. I have not given verbal or written consent to any consumer reporting agencies to report on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: TX

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc.
State: MD

Complaint narrative:
Approx XX/XX/XXXX - debit card stolen I reported the following day cancelled card Was told they would review and investigate/ XXXX mos pass by of their staff not returning calls ; emails ; repeatedly have to re explain XXXX and XX/XX/XXXX filed. 

XXXX days later - spoke with ML rep who had me resign affidavit XX/XX/XXXX given provisional credit for the money taken from atm. I thought ML indicated they had my back but them with no response call etc XX/XX/XXXX Money was reversed and up to and past point no one from money lions called texted etc

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: TX

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-03-10 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: SC

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-03-10 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
While checking my credit report, I notice an account from LVNV Funding LLC, that I believe is not being reported correctly on my credit report. On XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 90 days, I sent another certified letter on XX/XX/2021, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to XXXX and XXXX, along with my incident report, which are attached, asking them to verify or remove the negative report on my credit report that LVNV Funding LLC is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

Company response to consumer: Closed with explanation