vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-25 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX DOB - XX/XX/XXXX Last 4 SSN - XXXX Please apply these laws to my accounts : I am writing to ask that you delete all unauthorized inquiries, derogatory remarks, and closed accounts also fraudulent items that I have found in my credit report. I have reached out to all 3 credit bureaus to report these items but have yet received any resulution. I am again asking the items listed below to please be deleted from my file as many of these items are misrepresented on my credit report, these fraudulent accounts and derogatory remarks have made it hard for me to live a decent life. 


Dear Sirs/Mams The fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting ACT ( FCRA ) 15 U.S.C ss 1681 ( FCRA )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I started receiving these phone calls about three months ago. It was the Synchrony Bank call center as far as I can tell. I asked why they were calling me. The answer is always " give us your account number or we can't help you ''. I haven't had an active account with them for six years. I did not have any account information as I had disposed of it years ago. I started by just ignoring the calls. They kept coming. I called back. NO solution, no help at all. I started blocking the call center numbers. They kept coming. I have asked to speak to a manager of some kind. They can't do that. I have been hung up on repeatedly, I have 18! voicemails from just the last couple weeks. I spent six hours on the phone with them on Thursday, XX/XX/2021. I have been told repeatedly " don't worry you won't receive any more calls ''. Last Thursday someone tried to tell me my XXXX XXXX XXXX mother, that lives across the country, had to do a conference call with them because it had to do with her account. My mother paid off her account years before I even had one. I suffer from XX/XX/XXXXandXX/XX/XXXXproblems to the point I am on XXXX and can not work. The XX/XX/XXXX this is causing me is affecting my life. I can't get any solution with the company. I deleted the only text I had gotten from them about owing some company I had never heard of much less bought anything from. They have also tried to tell me I have more than one account but won't explain to me who is using it and for what. I'm extremely confused and frustrated! I just want it to stop. Care Credit and Synchrony Bank will harass you until you die even if you don't owe them. One more thing, now when I call back they ask if this account holder is in Nevada. I've never lived in Nevada.

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 2021-05-25 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: MD

Complaint narrative:
In regards of incorrect information from Experian in Credit Report, the investigation took more that 30 days. No response. Concern about unverified card usage. We also requested for the release of the Creditor name.

I demand to see a varifiable proof ( i.e. an original consumer contract with my signature on it ) that you have on file for the account listed below.

I demand that the following account be verified or removed immediately Date reported : XX/XX/2021 Amount : {$5300.00} Action : called Experian and sent dispute letter

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 2021-05-25 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: LEXISNEXIS
State: AZ

Complaint narrative:
On XXXX XXXX, I sent a letter to XXXX, XXXX XXXX and Lexis Nexis Risk Solutions to dispute bankruptcy. Lexis Nexis did respond to my dispute saying that they were unable to verify the accuracy of the bankruptcy, so they deleted the record immediately. Also, Lexis Nexis sent me a letter saying they tried to contact XXXX but they did not respond. I started the dispute since XXXX but the 3 Bureaus never responded to any of my letters regarding my dispute. Please help me reach out to the Bureaus because they ignore my request. I have applied for mortgage for several times but I always got rejections. I am really looking forward for your help anent this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX DOB - XX/XX/XXXX Last 4 SSN - XXXX Please apply these laws to my accounts : I am writing to ask that you delete all unauthorized inquiries, derogatory remarks, and closed accounts also fraudulent items that I have found in my credit report. I have reached out to all 3 credit bureaus to report these items but have yet received any resulution. I am again asking the items listed below to please be deleted from my file as many of these items are misrepresented on my credit report, these fraudulent accounts and derogatory remarks have made it hard for me to live a decent life. 


Dear Sirs/Mams The fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting ACT ( FCRA ) 15 U.S.C ss 1681 ( FCRA )

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 2021-05-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: NY

Complaint narrative:
I spoked to an Agent Friday morning ( XX/XX/2021 ) regarding the {$170.00} charge. The {$170.00} is showing up in my credit reporting under Collection. After, providing the agent information. The agent stated they do not have this account. I told him well that's illegal and they need to remove the charge if they don't have the account. The company name is " Enhanced Recovery CO L ''. Phone # XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I sent a death validation letter on XX/XX/XXXX requesting copies of agreements with the client the grants them to collect a debt signed agreement with the debtor yeah that I have a contract all obligation to pay the debt collector any agreement the bear signature of myself to pay the creditor all statements why the account was open. I also requested the name and address of the ledge predator the name on fall of the ledge debtor alleged account number address on file for the lodge debtor amount of the alleged at the date to do that became payable the date of the original delinquency, And stating they had 30 days to return the information to me.All I received back from them was a letter stating that their information was correct, they did not send any proof of the debt, I also did not get that letter till today which is the XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc.
State: TN

Complaint narrative:
Request mortgage assistance for my home several times for my mortgage. I have had XXXX, 2 times. My mortgage company has not tried to help me keep my home and give me mortgage assistance. BSI has mailed me a letter stating the investor XXXX XXXX does not want to help me with mortgage assistance. I don't want to lose my home

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: WY

Complaint narrative:
Applied for a Business loan at XXXX XXXX, XXXX XXXX claims that Equifax provided information that was derogatory by reporting Serious Delinquency, Account history and too few accounts with on-time payments. 

I have excellent credit scores of XXXX - XXXX with exceptional payment history. My report shows good credit. 

I can not get a live person at Equifax to provide an explanation and XXXX XXXX will not provide a copy of the report they claim to have obtained. 

It is all highly questionable and need to resolve all fraudulent or inaccurate reporting. XXXX XXXX should also provide supporting documents for their claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: AZ

Complaint narrative:
On XX/XX/2021 I sent a letter toXX/XX/XXXX, Transunion,XX/XX/XXXX and XXXX XXXX Risk Solutions to dispute bankruptcy. XXXX XXXX did respond to my dispute saying that they were unable to verify the accuracy of the bankruptcy, so they deleted the record immediately. Also, XXXX XXXX sent me a letter saying they tried to contact XX/XX/XXXX but they did not respond. I started the dispute since XXXX but the 3 Bureaus never responded to any of my letters regarding my dispute. Please help me reach out to the Bureaus because they ignore my request. I have applied for mortgage for several times but I always got rejections. I am really looking forward for your help anent this matter.

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 2021-05-25 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: AZ

Complaint narrative:
On XXXX XXXX, I sent a letter to Experian, XXXX XXXX and XXXX XXXX Risk Solutions to dispute bankruptcy. XXXX XXXX did respond to my dispute saying that they were unable to verify the accuracy of the bankruptcy, so they deleted the record immediately. Also, XXXX XXXX sent me a letter saying they tried to contact Experian but they did not respond. I started the dispute since XXXX but the 3 Bureaus never responded to any of my letters regarding my dispute. Please help me reach out to the Bureaus because they ignore my request. I have applied for mortgage for several times but I always got rejections. I am really looking forward for your help anent this matter.

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 2021-05-25 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: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
Applied for a Business loan at Wells Fargo, Wells Fargo claims that XXXX provided information that was derogatory by reporting Serious Delinquency, Account history and too few accounts with on-time payments. 

I have excellent credit scores of XXXX - XXXX with exceptional payment history. My report shows good credit. 

I can not get a live person at XXXX to provide an explanation and Wells Fargo will not provide a copy of the report they claim to have obtained. 

It is all highly questionable and need to resolve all fraudulent or inaccurate reporting. Wells Fargo should also provide supporting documents for their claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I made payment on the XXXX of XXXX for XXXX XXXX it was debited from my account on the XXXX I was told by Wells Fargo I didnt have funds to cover it in my account when I did XXXX notified me that the payment was immediately debit from account but Wells Fargo hit me with over draft fee of XXXX XXXX  also I made payment on XXXX XXXX that was immediately debited from my well Fargo account and because at the time it was money there to use my XXXX XXXX which do not place a hold or wait period its immediately debited from my Wells Fargo account also I can not even use my XXXX XXXX  if there were not funds in there to cover it Wells Fargo is stealing my money I want to report it and file a complaint

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 2021-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I filed for Chapter XXXX Bankruptcy last year, Case No XXXX. I did not sign the lease assumption agreement with XXXX for my leased 2020 XXXX XXXX. XXXX has stopped reporting my payments since I have not signed the lease assumption agreement which has negatively affected my credit score. 

As per 11 USC 524 Violation of Discharge Junction and 15 USC 1681 Violation of Fair Credit Reporting Act, XXXX is required to report the fair and accurate account status to credit reporting agencies. They claim it is their company policy to not report account that do not sign lease assumption agreements, which is a violation of both of these laws. 

My bankruptcy attorney attempted to resolve the issue with XXXX, through both fax and email but XXXX has refused to acknowledge receipt of written request, and will refuse to review the account made through telephonic request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
Citi bank credit card has an auto pay set up thru them receiving payment from my bank account. I have always set up and requested paper statements on all my credit cards accounts. XXXX XXXX, I was puzzled when I found a XXXX taken out of my bank account and had no way to trace it to the credit card, after calling the bank and doing multiple things, it was citi bank credit card XXXX. Citi card enrolled me on paperless statement and I had no knowledge of this until XXXX XXXX. This account had no interest occurring for a while, like 12 months, inXXXX 2021 interest started. 
I called citi card do on XXXX XXXX, & told them the situation, being taken off paper statements by ( citi ) and citi changed my statements to paperless. I talked to XXXX at citi and told him i would have to go into town and switch money but I would pay this bill off in full, tomorrow, XXXX XXXX, minus the interest. I did pay citi {$6300.00} thru an employee named XXXX. I asked XXXX and XXXX about the interest charge and they couldnt remove it. XXXX XXXX XXXX, the payment has cleared my bank for {$6300.00}, and I called l citi and talked to XXXX  about removing the interest he acted as XXXX was a purchase instead of interest, he put me on hold twice, first time no, then second time he said he would go to higher officials, he came back and said my name and hung up. I called back and asked for him, they had no way to find him, I talked to XXXX ( it started with a XXXX  ) she was a foreigner lady, as I started to explain she hung up too. I feel like they took me! I have never been late on my payment and when interest start accumulating, I pay my bill off in full. 
I just want justice. I did not change my method of billing with my statements, I am older person and always received PAPER STATEMENT. 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 2021-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
XX/XX/XXXX Coinbase tried to debit my account XXXX for the 2nd time after reaching out and advising I am having an issue with my bank. Coinbase has a misleading statement saying that they will liquidate the cryptocurrency account in order to recover funds. They went ahead and debited my account again. This has caused my bank to charge a {$35.00} overdraft fee, which they can not remove. Coinbase is using deceitful tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
I filed for Chapter XXXX Bankruptcy last year, Case No XXXX. I did not sign the lease assumption agreement with Hyundai for my leased 2020 Hyundai XXXX. Hyundai has stopped reporting my payments since I have not signed the lease assumption agreement which has negatively affected my credit score.

As per 11 USC 524 Violation of Discharge Junction and 15 USC 1681 Violation of Fair Credit Reporting Act, Hyundai is required to report the fair and accurate account status to credit reporting agencies. They claim it is their company policy to not report account that do not sign lease assumption agreements, which is a violation of both of these laws.

My bankruptcy attorney attempted to resolve the issue with Hyundai, through both fax and email but Hyundai has refused to acknowledge receipt of written request, and will refuse to review the account made through telephonic request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This company calls me every day even on Sundays. I try to block the number, but hey always call from a different number. Im really aggravated and I just want the calls to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
In XXXX of XXXX I reached out to Toyota Financial Services ( TFS ) to make an arrangement to pay off my auto loan debt after I voluntarily surrendered it in XX/XX/XXXX. I was told that it need to be placed with a collection agency before I can set up any payment arrangements. Several calls and months later the account was still not placed. I contacted the TFS general customer service department 3 times on XX/XX/XXXX and received 2 additional departments to contact because they are not allowed to discuss this account because it is not with their department, and that I needed to speak with XXXX ( the collection account holder ). I spoke with XXXX XXXX at XXXX who stated she could not pull up the account. I asked for a supervisor and was informed that the account was recalled in XXXX of XXXX. I never received contact from the collection agency nor was it reported with a new collection on any of my credit reports. I was referred back to TFS Recovery because the account was recalled. When I returned the call I spoke with XXXX agent ID : XXXX, and was hung up on after explaining my situation. I then spoke to XXXX agent ID : XXXX  who confirmed XXXX notes and transferred me to a team lead. The team lead could not explain why I was never contacted by the collection agency or why it has not been replaced for collection after one year. I believe the lenders behavior violates section XXXX # XXXX of The Fair Debt Collection Practices Act which states The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization. 

I believe that the lender and or new collection agency deliberately failed to update my credit report with the appropriate contact information to contact XXXX to resolve my debt which prevented me the opportunity from arranging a settlement agreement ; leaving only the option to pay in full through Toyota Financial Services. I have yet to speak with any supervisors/managers regarding my issue and was told that they are unavailable on many occasions and that it will take 3 weeks for someone to call me back. I am filing this complaint to seek all remedies afforded to me under the Fair Credit Reporting Act as your department sees fit. My account number for TFS is XXXX. Thank you in advance for your help in this matter.

Company response to consumer: Closed with explanation