vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-04 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2021-12-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: AL

Complaint narrative:
On XX/XX/2021 our property tax is due and as payments need to be received by XX/XX/2021 at the XXXX XXXX department in order to have no additional fees as well, have no late status on our account. Last year the mortgage company didn't pay our property taxes and we ended up having late fees assessed and were threatened with our home being taken unless taxes were paid. Taxes were paid out of our own personal account even though in our mortgage contract it states escrow would be used for property taxes and homeowners insurance. After contacting the company we were told they would refund our full amount ( full amount was never received due to some mix up in our escrow, as well something we were never advised of until an escrow analysis was preformed in roughly XXXX of 2021 ) and this wouldn't happen again the following year. Guess what? It is now XX/XX/2021 and property taxes are showing not paid. According to my payments, it does show an amount of {$850.00} being taken out of escrow on XX/XX/2021 and this states tax disbursement. It is now XX/XX/2021 and as stated above nothing has been received by the XXXX XXXX tax assessor. Taxes are due no later than XX/XX/2021 in order to not receive late fees however the date show on the tax assessor website show due date of XX/XX/2021. This is beyond frustrating as this seems to be a habit with this company and they seem to have an inability to correctly pay something on time. Lastly, I did send an email stating my concern and the response stated that the money was taken out of my escrow and paid on XX/XX/2021. However, I was also told if a delinquent notice is sent to me, I should send it to the mortgage company. Seriously? Because of their inability to pay last year we did receive multiple delinquent notices, and notices we noted to this company over and over again until it came to a point payment had to come from our own account. The company claims they sent a fed ex payment close to the time we paid the amount from our own money however IF any payment was mailed it was too late as we were close to having our home sold at auction due to how overdue the property taxes were and all due to this mortgage company NOT making the payment.

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 2021-12-04 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX CREDIT COLL ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX CREDIT COLL ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown items on my credit report. On this day over 45 days later I have not received a response yet. I feel as though I am being taken advantage of as well as being ignored of my disputes. Section 611 ( a ), it is clearly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, as it has been over 45 days, so it should be deleted promptly. I demand this account be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. 


I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute, as I have filed a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge, I do not recall any of these accounts. I need this problem fixed asap, I will not wait another 45 days to receive no response, because it is clear your organization is intentionally ignoring me. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, as it has been over 45 days so they should be deleted promptly.

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 2021-12-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown items on my credit report. On this day over 45 days later I have not received a response yet. I feel as though I am being taken advantage of as well as being ignored of my disputes. Section 611 ( a ), it is clearly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, as it has been over 45 days, so it should be deleted promptly. I demand this account be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. 

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute, as I have filed a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge, I do not recall any of these accounts. I need this problem fixed asap, I will not wait another 45 days to receive no response, because it is clear your organization is intentionally ignoring me. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, as it has been over 45 days so they should be deleted promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
Third party agency furnished an account for me using my personal identifying information. Which is identity theft! 

There is no binding contract between me and this third party agency. 

This agency is also participating in solicitation as my personal information was sold to them or transferred. 

Pursuit 18 U.S.C. 1029

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc.
State: DE

Complaint narrative:
I am showing that I have a debt with XXXX XXXX XXXX XXXX {$1000.00}. The problem is I never stayed at a XXXX XXXX or visited a XXXX XXXX, I have disputed this charge over and over and it has yet to be validated I do not believe this is a valid debt. I have always either had insurance or medicaid and this has never been billed to either one. The only reason I know about this is because it keeps showing up on my credit report I have no account number or date of service. All I can provide is a screen shot where this debt is showing as a collections account with Choice Recovery INC. How can a company just randomly add a medical bill that I have no idea about to my credit and never send me anything in writing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have disputed an account that they have had on my credit since 2017 for a charge off. Additionally, they report it as a new charge off every month. I have asked for validation of debt and never gotten it and they will not take it off of credit. There is around 55 charge offs for the one account. I'm currently going to court over the issue now. Company is Experian credit bureau, XXXX XXXX XXXX XXXX, Texas 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 2021-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
I was asked if I wanted to be prequalified for a Zales XXXX card and I specifically asked if she was going to pull my credit and she told me no that it wouldnt and that it was just a pre qualification. Then as soon as she told me no my phone started popping up with emails saying theres been a change to my credit report and she continued to tell me that it wasnt checked then I asked her one more time if it was pulling my credit and she said yes. A PRE-QUALIFICATION means that its supposed to be a soft credit pull. Now I have a hard inquiry on my account that I had given no consent to. This was at Zales XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-04 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:
I have disputed this multiple times with the credit bureaus as well as the creditor. None of which have provided me any proper validation of this account, also I have disputed the inaccurate information such as reporting dates. This account is inaccurate and derogatory, which is in violation of my consumer rights to the best of my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed this multiple times with the credit bureaus as well as the creditor. None of which have provided me any proper validation of this account, also I have disputed the inaccurate information such as reporting dates. This account is inaccurate and derogatory, which is in violation of my consumer rights to the best of my understanding.

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 2021-12-04 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: Senex Services Corp.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX in XXXX XXXX continues to incorrectly bill me for procedures. XXXX XXXX XXXX XXXX has paid this bill and I do not owe any payments. They have repeatedly submitted fraudulent bills to me and now it is on my credit report. XXXX did a full review of my accounts and everything Ive owed had been paid. Ive had this recurring issue with XXXX XXXX and XXXX XXXX XXXX since moving to XXXX XXXX. Currently I am being harassed by Senex for {$300.00} that I do not owe. Ive disputed it and they do nothing about it. XXXX and XXXX XXXX have communicated but XXXX XXXX still sends fraudulent bills to me and the credit agencies..

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have no recollection of this account nor this debt I have been a victim of identity theft, Ive already complained before, and Ive also had to close and open up a new checking account as a result of the identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
This is loan from Usaa Federal savings for the amount of {$40000.00}, has been reported as identity theft this is inaccurate information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I applied for Care Credit because my XXXX XXXX XXXX dog, XXXX had XXXX, and needed veterinary care. I called Care Credit from the vet 's office that day, and was approved for {$3000.00} immediately. I have been making auto-payments, and the total amount of my account is currently XXXX. Today, I noticed that my credit limit had been lowered to {$2200.00}, which then flagged the credit reporting agency, causing my credit score to drop by XXXX points as being over-limit on my Care Credit account. 

I just called Care Credit, spoke to XXXX, on XX/XX/2021, and she says this happened back inXX/XX/XXXX, and I was sent a letter stating that after reviewing my most recent credit scores, they decided to lower that amount. They say they sent me a letter, but I never received any notice, or letter letting me know this would happen. 

This seems a very dishonest business practice by Care Credit to approve me for {$3000.00}, then let months pass, then lower the credit limit to an amount LOWER THAN THE BALANCE! This would most certainly cause serious credit harm, which it has. 

I asked her to raise the credit limit back to what it was, and it was declined, probably because my credit score went from the XXXX 's to XXXX or so. This seems a deceptive and dishonest practice, and am hoping that someone can help me with this issue. 

Thank you, 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 2021-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Aldridge PIte Haan, LLP
State: GA

Complaint narrative:
After completing my due diligence, research, and development in consumer law and debt collection there is a preponderance of evidence alluding its a fact you committed several federal violations including but not limited to 15 United States Codes section 1692 ( e ) by giving false and misleading representation that I the consumer owes a debt. 
On XX/XX/XXXX I received a Correspondence from XX/XX/XXXXstating that I the consumer owes a debt of {$2900.00} to which I the original Creditor, consumer and attorney infact for the legal person XXXX XXXX. 

On XX/XX/2021 under the exclusive face of the united States Post correspondence Notice & Demand to Validate Debt Claim was signed for upon delivery at address XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX. 

On XX/XX/XXXX under the exclusive face of the united States Post correspondence Demand for Qualified verification of debt was signed for upon delivery at address XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. 

On XX/XX/XXXX under the exclusive face of the united States of the united states Post Office an Opportunity XXXX  XXXX was signed for upon delivery at address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 

At no point in time did I ever receive any correspondence from XXXX. On XX/XX/2021 XXXX did serve summons upon at my place of abode on a relative who accepted said documents. 

Am alleging the actions of the representatives including but not limited to XXXX XXXX XXXX of said Law firm did cause damage on my credit file, also did cause my entire immediate family feud as no one knew of my alleged indebtedness whereas I was treated unfairly, by abusive and deceptive conducts of all parties involved and am alleging XXXX. 

Notice Am alleging XXXX is a private Attorney not so authorised to enforce debt collection activity as am alleging they are without a contract on record with the United States Attorney General Office to collect debts on behalf the United states pursuant to 31 USC 3718.

Pursuant to 15 United States Code 1692i ( b ) XXXX is at a legal disability as nothing in this subchapter shall be construed to authorized the bringing of a legal actions by debt collectors.

Whereas there was no proof of a lien recorded with the Secretary of States Office in the name XXXX XXXX was found. Please see certified copy for proof. 

Am alleging plaintiff by way of XXXX XXXX XXXX whos name appear on allegedly fraudulent Instrument that looks like a summons was simulating a legal process to induce I the consumer to participate in fraud. 
I have also filed a complaint with the United States Attorney General on matters mentioned here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Bridge IT, Inc.
State: NC

Complaint narrative:
On XX/XX/2021 attempted to collect debt of {$70.00} at XXXX XXXX. 

On XX/XX/2021 attempted to collect debt of {$70.00} at XXXX XXXX Sent communications back advising it was violation to contact after 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 2021-12-04 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Lendmark Financial Services
State: OH

Complaint narrative:
This is in response to XXXX, attached is a federal trade commision report as well as a rescission notice and documentation of full faith in credit that I have from the federal government that will be used in the litigation process. I do not care for the vehicle nor the fraud that was placed on my consumer report I do not wish to retrieve the vehicle that was unlawfully stolen from me. I have zero interest in going back and forth about you all stealing my property due to a billing error on a extension of credit pursuant to 12 cfr 1026.13. I will be seeking monetary compensation for the damage that have been done. You all arent in compliance of regulation z, and regulation f. I hope you all understand the severity of the nature of this issue. I do not wish to be contacted via non written communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
A few days ago Credence resource management put a account on my credit report before I was ever giving any physical notification of the attempt to collect this debt that is a violation No information given regarding account. Violates federal 15 USC 1692g ( a ) and 15 USC Section 1681. I never authorized or given permission for this to be reporting. This account had already been removed from my credit report once because it was a fraudulent account. This is a violation of 15usc 1692 ( a ) this is harassment and they are hurting my credit reputation

Company response to consumer: Closed with non-monetary relief