vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-01 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: PA

Complaint narrative:
Dear : Transunion, XXXX, and XXXX Date- XX/XX/XXXX RE : Account XXXX To Whom It May Concerns : I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

How did you investigate this account with out any documentation? I contacted the collection agency your rep told me about and they could not validate the debt. This collection agency subsequently removed all information regarding this account from my credit reports. If this incorrect information is not removed from my credit reports, I will file suit against your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: PA

Complaint narrative:
Dear to whom it may concern, Please remove this from my account, this is a Closed Account and needs to be updated ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: MN

Complaint narrative:
This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CO

Complaint narrative:
I have been using Moneygram to send to my wife in the XXXX for many years. I have stacks of receipts from when I have sent to her. They said they now believe there is fraud on the consumer, which is me. Moneygram tells me to go to different locations to try and send again. It never works I am always refused. They ask me to give them a code from the location but there is never a code just refused. They refuse to help me and they give me no reason about any fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Resources, Inc.
State: TX

Complaint narrative:
I have tried numerous times for the past year to call this company and pay the debt. I have left voicemails with info and call back number. I never receive a return call. It has been over a year trying to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My issue is with Experian penalizing me 15 points on my FICO score without cause. On or about XX/XX/2021, I received a 2 point boost to my FICO score, giving me a FICO of XXXX. Tonight, I was on Experian Chat asking if I can disconnect select accounts from Boost because I did not want Experian monitoring my checking and savings debits and credits, but I wanted Boost to continue to use my Line of Credit and Credit Card information for my FICO score. The Experian Chat representive advised me to use the disconnect feature and I would be able to select the accounts I wanted to disconnect. This was not true and it disconnected all of my accounts from Boost. Within a matter of minutes, I reconnected my accounts to Boost. In that short 10 minutes, Experian lowered my FICO score by 15 points for simply disconnecting my self-reported accounts from Boost. When I reconnected just a few minutes later, Boost gave me 2 points back, for a net loss of 13 points. The " What's Changed '' feature of the Experian website listed 7 things that changed from the last FICO score change ( XXXX points ) on XX/XX/XXXX until tonight when it dropped by 15 points to XXXX points. 6 of those 7 items that changes were all positive due to lower debt and closed accounts. Only 1 item was " potentially harmful '' to my FICO and that was a new charge of {$380.00} on a credit card that had a zero balance. So, the only thing about my credit worthiness that changed was all for the positive, yet I was penalized 15 points for choosing not to use an optional feature. This arbitrary decrease of my FICO score is affecting my ability to access credit at the " Excellent '' interests rates and has now dropped me down to the " Very Good '' rating for interest rates. Experian should not have the abilty to capriciously adversely affect a consumer 's abiltiy to acces fair and reasonable credit and interest rates. Their Boost program gave me 2 points and then dropped me 15 points when I decided not to use their optional program. This is a scam that is hurting good people who have worked hard to raise their FICO score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: CA

Complaint narrative:
Recently while temporarily lifting a security freeze, I encountered a possible security risk at Equifax. Since 2019 the company no longer uses a pin number to protect security freezes. Rather, they simply ask a few questions to verify someone's identity before lifting a freeze. But unlike a personal pin number, which only the credit bureau itself and the person named on the credit report has, anyone with access to the credit report can easily answer Equifax 's questions. 

This is of particular concern because of the threat posed by malicious insiders employed at various financial services organizations who may come into contact with the credit report. Equifax does not offer consumers the extra option of protecting the security freeze with a personal password ; I asked to use a password but was informed they couldn't do it. 

https : //www.upguard.com/blog/insider-threat

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: NY

Complaint narrative:
I applied for mortgage, and received commitment with conditions on XXXX. My mortgage agent requested all outstanding conditions, and I provided in timely manner. 3 days before my closing I received denial letter from bank ( last week ). The reason for denial is " applications is incomplete. '' There were absolutely no reason for this decision. All documentation were submitted by my mortgage broker in time, and accepted by bank underwriter. The bank took 2.5 month to process application with approved commitment with conditions ( which were timely submitted ) and sent me denial letter 3 days before my closing day. I don't have time to get another mortgage, and because I can loose my down payment, I am applying for private lander mortgage at 12 % interest, since I have no time to find appropriate mortgage bank and reapply for mortgage loan with 3 % interest, which I suppose to get from Loan Depot. This is unprofessional practice, and also very dangerous, because consumers received late unreasonable denial, and there is no time to fix the issue and get new loan from different bank. I am loosing a lot of money now because I have to pay 12 % mortgage interest for at least 6 month and only after 6 month I can refinance my mortgage again for a fair rate without penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmeriCollect
State: NY

Complaint narrative:
AMERICOLLECT wants me to pay a bill for a time I was covered by health insurance and refuses to bill my insurance company for payment. Although my insurance company agreed to pay the bill. AMERICOLLECT chooses to report that on credit report that they are trying to collect payments from me. This makes no sense. They hospital in which I received care claims I have bill owed but AMERICOLLECT says they are collecting on behalf of the doctors that work there but will not provide me any proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Advantage Collection Professionals, Inc.
State: MN

Complaint narrative:
This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: TX

Complaint narrative:
I disputed information stating XXXX XXXX XXXX XXXX processed charge off payments in XXXX - XX/XX/XXXX. I sent documentation to XXXX and the other reporting agencies that the total amount of the loan was paid in XXXX. It was a voluntary surrender of the RV, it was sold at auction and I paid the balance of {$39000.00}. XXXX XXXX XXXX XXXX erroneously reported that I had a balance and I fought it through a private consumer credit agency. XXXX XXXX XXXX XXXX closed the balance when realizing their error ; however, reported as charge off in XXXX which has plummeted my credit scores. I did everything right and am still be punished in XXXX after loan was paid off in XXXX. I want my credit history with this account accurately reported to all the agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: TX

Complaint narrative:
I disputed information stating XXXX XXXX XXXX XXXX processed charge off payments in XXXX - XX/XX/XXXX. I sent documentation to XXXX  and the other reporting agencies that the total amount of the loan was paid in XXXX. It was a voluntary surrender of the XXXX, it was sold at auction and I paid the balance of {$39000.00}. XXXX XXXX XXXX XXXX erroneously reported that I had a balance and I fought it through a private consumer credit agency. XXXX XXXX XXXX XXXX closed the balance when realizing their error ; however, reported as charge off in XXXX which has plummeted my credit scores. I did everything right and am still be punished in XXXX after loan was paid off in XXXX. I want my credit history with this account accurately reported to all the agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: IN

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # which is attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Payments on Account # XXXX were made in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for more than the minimum amount due each month and more than enough to satisfy any fees on the account. I was in contact with Chrysler capital through phone and chat confirming that my account was in good condition and that the issue was on their side. I also requested that an investigation be opened to find out why my account was accelerated for the full note in XXXX which was more than the agreed upon monthly minimum payment. Representatives confirmed with me that there was an issue and that the issue would be resolved and that I am current on my loan. XX/XX/XXXX was the final payment for the loan and in XX/XX/XXXX, my credit record was hit for two late payments in XX/XX/XXXX and XX/XX/XXXX. I have since disputed this multiple time with all three credit agencies. Secondly, anyone can pull my credit record now and clearly see the payment history on this account and it will show payments ( more than minimum ) received in the same months that are reporting late, how is that even possible? I made every single payment on this account including interest and fees on time from XX/XX/XXXX to XX/XX/XXXX, and I was never 30 days or more late ever. Chrysler Capital manipulated the amounts by accelerating the account for the full loan payment without prior communication and representatives fail to document disputes and / or disputes were erased and never investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: SC

Complaint narrative:
XXXX XXXX XXXX does not follow The Truth In Lending Laws 15 usc 1601. I feel like my privacy as a consumer has been breached. On XX/XX/2020 I entered into a consumer credit transaction with XXXX and they transferred it to XXXX XXXX XXXX XXXX . They are wrongfully trying to benefit from my credit card that I used to initiate a consumer credit transaction with a finance charge involved. XXXX is in violation of the law, and violated the contract when they took cash in a consumer credit transaction with a finance charge involved 15 usc 1605. When I paid the finance charge they did not include my insurance and all the other fees they were suppose to. When I dispusted the debt and aske how was it valid and verified, they never told me who the name an address of the original creditor is pursuant 15 usc 1692g ( 5 ) ( b ). This company is civilly liable pursuant 15 usc 1640 ( 2 ) ( a ) ( i ) which is twice the finance charge, and they also are criminally liable for willfully knowing these things pursuant 15 usc 1611. I also asked them show me why I owe them a debt and why is it valid and verify it they lied about the original creditor and said I still owe a debt. I have ordered 3 of my credit reports from the major credit bureaus I want them to do right by me as a consumer by federal law, as well as the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: PA

Complaint narrative:
Dear : XXXX, XXXX, and Equifax Date- XXXX RE : Account XXXX To Whom It May Concerns : I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

How did you investigate this account with out any documentation? I contacted the collection agency your rep told me about and they could not validate the debt. This collection agency subsequently removed all information regarding this account from my credit reports. If this incorrect information is not removed from my credit reports, I will file suit against your company.

Company response to consumer: Closed with explanation