vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
I am writing to lodge a formal complaint against Mercedes-Benz Financial in relation to a matter concerning my account # XXXX, initiated approximately between XXXX of XXXX and present day of XXXX. Specifically, I requested a Debt Validation of said account and subsequently received a communication containing a list of transactions associated with the account. Regrettably, despite statutory mandates outlined within the Fair Debt Collection Practices Act ( 15 USC 1601 - 1693 ), I did not receive the complete array of disclosures, service agreements, and signed instruments pertinent to the purported debt, nor was a signed copy of the promissory note provided. I have diligently pursued resolution of this matter through direct communication with representatives of Mercedes-Benz Financial . However, notwithstanding these efforts, I have been informed that the promissory note remains unattainable. It is imperative to note that pursuant to pertinent legal statutes, particularly the Bill of Exchange Act and Negotiable Instrument Act, the conversion of the promissory note into a negotiable instrument would signify satisfaction of the alleged obligation. Furthermore, a review of my credit report reveals that the purported debt has been charged off. In light of this, I am compelled to inquire as to the absence of any documentation, specifically a copy of the 1099-C form, indicating the discharge of indebtedness filed with the Internal Revenue Service XXXX IRS ) and the said vehicle was threating to be repossessed around XXXX XXXX so a Debt Validation letter sent around XXXX of XXXX. The actions, or lack thereof, undertaken by Mercedes-Benz Financial have resulted in considerable uncertainty and distress. It is my firm belief that such conduct may contravene provisions established within various consumer protection statutes, warranting regulatory scrutiny and intervention. In light of the foregoing, I respectfully request that the Consumer Financial Protection Bureau undertake a thorough investigation into the practices of XXXX XXXX XXXX with regard to this matter. Additionally, I seek redress commensurate with any identified breaches of consumer protection statutes, as well as clarification and resolution of the outstanding issues surrounding my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
I received a letter of collection for a credit card debt from Comenity Bank. With a card used from XXXX XXXX in XXXX or XXXX XXXX with my name and information without any of my knowledge. 
I also was a victim of identity theft in XXXX  which could have resulted in this happening. 
The account was used in XX/XX/2023 and through XX/XX/XXXX in XXXX XXXX mainly at a XXXX super center with an account ending XXXX. I live in XXXX XXXX Louisiana. The credit collection XXXX  ( XXXX XXXX XXXX ) is asking to pay a debt that is not mine for {$9700.00}. XXXX  Account # XXXX. Which I first found out about this XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Lyons, Doughty & Veldhuis, PC
State: MD

Complaint narrative:
It began months ago when I began the journey to pay off all my debts and rebuild my credit. I had a total of XXXX debts on my credit I paid XXXX of them but when it came to the last one I had difficulties finding who owned the debt. I contacted the original creditor XXXX XXXX on XX/XX/year> and I was told that I have no debt with them. So I then filed a dispute with the credit bureau, so I could find out how to pay the debt, and have it removed from my credit. The results of the dispute gave me the name of the debt collection company called XXXX XXXX XXXX. So I contacted XXXX XXXX management on XX/XX/year>, and they said that the debt was now owned by a law firm by the name of XXXX XXXX XXXX XXXX XXXX XXXX. and I needed to speak to a specific person by the name of XXXX at extension XXXX, her direct line is XXXX. I called her for XXXX weeks and she never returned my calls or responded to my messages. I called back today XX/XX/XXXX I spoke to XXXX I asked her If she could email me something in writing pertaining to the debt she said no, and then she proceeded to tell me that they took me to court and the judge granted a judgment against me that allows them to seize my bank account. I tried explaining to her that this is not my debt nor have I had any action taken against me on my bank account, and I think they have me confused with someone else. She proceeded to tell me that they have mailed me notices several times I explained to her I have never received anything about this debt nor do I know what it is. I even asked her what address was she sending these notices and she refused to tell me. The lady laughed at me and hung up the phone in my face. So at this point I still have no resolve after spending almost 3 months trying to resolve this debt, or simply find out what the debt is. I'm frustrated because I have nothing negative on my credit other than this debt. I need help getting this removed from my credit report. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am at a loss of words. My credit reputation is being tarnished by this huge mistake on my credit report which is completely false and misreported. XXXX is reporting this record mistakenly on my credit report. The record is also incomplete, which is also another reporting violation.

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 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am being ignored as a consumer. This company is reporting inaccurate information without providing me documentation and evidence. This is causing me to not be able to fairly open up a checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I beg you please remove this from the credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am at a loss of words. My credit reputation is being tarnished by this huge mistake on my credit report which is completely false and misreported. Experian is reporting this record mistakenly on my credit report. The record is also incomplete, which is also another reporting violation.

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 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX my XXXX XXXX XXXX was stolen, the insurance company deemed it a total loss because the vehicle was never recovered. I continued to make my car payment to satisfy the terms of the loan to XXXX XXXX. The XXXX XXXX XXXX ( customer service in XXXX XXXX ) told me that if the account is late 30 days OR more that's when they report to the credit bureaus. They also informed me that the payment has to be made before the 30 days time frame and before XXXX central standard time. I called XXXX XXXX on XX/XX/XXXX and i spoke with the XXXX XXXX XXXX XXXX XXXX XXXX, the representative assured me if i made payment by the XXXX of XXXX I would be in good standing and it would not report to the credit bureau. On XX/XX/XXXX I called them back before I made my payment and the Customer service representative told me that my account showed 28 day past due and yet again assured me as long as I made my payment on the that day, it would not report as 30 days past due to the credit bureau. She in fact assured me of this, so i made my payment on that date ( XX/XX/XXXX ) rite after i got off the phone with her. I made my payment before the 30 days. Weeks later I got a notification sent to my email that my credit score took a dramatic hit of XXXX points. I immediately contacted them at XXXX XXXX and I told them I paid before the 30 days and the representative assured me that it wouldn't affect my score and they even had record of the representative i talked to that day because she made a note of it in the system. I asked them for that documentation and they told me they couldn't give it to me. I have been calling and calling and everyone there is giving me the run around there and I just want them to remove it from my report because they gave me the wrong information and if i was given to correct information i wouldn't be in this situation i would have paid it the first day I called and spoke to them on the XXXX of XXXX. I feel like its unfair because I trusted them and they failed me as the consumer.

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 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I recognize that under FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you kindly review the documents? I've observed that a significant number of the listed accounts appear to be incorrect, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am enclosing a copy of a letter that I mailed to your company via certified mail requesting that you verify the alleged debt your company claims I owe. The tracking from the USPS shows the letter was delivered on XX/XX/2024. It has been more than 30 days, and I have not received any proof that your company validated the debt. 

Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau XXXX I request that you immediately delete this information from my credit reports. 

Please send me a copy of my updated credit report as soon as the above has been completed. 

Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Record Type : XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-04-25 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: KINGS CREDIT SERVICES
State: CA

Complaint narrative:
HI. I was told to write to you so you could help me. There is a collection agency hurting my credit and it is completely unfair. Many years ago I was very poor and almost indigent. I had to have assistance from the XXXX XXXXXXXX XXXX XXXXXXXX just so I could have a home. When I left the program they send me to collections for {$520.00} dollars. This was in XXXX. I paid this collection back in XXXX once I was able to get on my feet and land a steady job. Since then, this account has been hurting my credit report and I have been unable to buy a house and even renting is almost impossible because this collection shows on my credit report. Even though its paid people and companies still deny me because its housing related. 

I have tried to call Kings Credit for years and they don't care. I ask them to remove it and they tell me they won't. I've even tried calling the XXXX  XXXXXXXX XXXX XXXXXXXX but I can never get a hold of anybody and nobody ever calls me back. I've tried calling the area manager at XXXX and they never return my call. I thought the whole point of the XXXX XXXX was to help people obtain housing when they are unable to or can't afford to do so. I didn't know they would be petty enough to hurt my credit for years after I paid them and stop me from being able to get another place to live or buy a home for my children. This is wrong on so many levels. Please help me. I may have been poor and in a bad place in XXXX, but I am not now. I lifted myself up and am doing what I can to provide for my family, but the XXXX XXXXXXXX XXXX XXXX and their collector Kings Credit is being vindictive and stopping me from being able to do so. I've even let them know this is what they were doing and that it was very ironic that they would want to keep punishing me and stopping me from getting a place to live. Kings credit doesn't care and the XXXX XXXX can't even be bothered to answer their calls or return them. 

Again I am asking for your help. I have suffered enough and want to be able to buy a home for my kids. I have been told that my credit is right on the border of being able to qualify but I just need a few points. Removing this collection from my report would give me those few points and I can finally give my children and I a home. Thank you and I hope you can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2

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 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
FCRA 605B stipulates the removal of any erroneous accounts from my credit report. Would you please review the documents? Several listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrect item reported on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I am writing to dispute the presence of inaccurate and damaging accounts on my Equifax credit report. Despite repeated attempts to rectify this issue and providing ample evidence, Equifax has failed to comply with the law and the Fair Credit Reporting Act ( FCRA ). 

The following accounts are inaccurately reported by Equifax : XXXX Account : Equifax continues to report a XXXX account on my credit report, despite receiving notification from XXXX that this account has been deleted from their records. I have attached a letter from XXXX confirming the deletion of this account and requesting its removal from my credit report. 
XXXX XXXX Account : Similarly, Equifax persists in reporting a XXXX  XXXX account, even though XXXX  XXXX has confirmed the deletion of this account from their records. I have enclosed a letter from XXXX XXXX verifying the removal of this account and requesting its removal from my credit report. 
XXXX Account : Equifax also reports a XXXX  account, despite XXXX confirming the deletion of this account from their records. I have attached a letter from XXXX verifying the removal of this account and requesting its removal from my credit report. 
In addition to the letters from the companies involved, I am also attaching a copy of the police report documenting the fraudulent activity and identity theft. 

Equifax 's failure to comply with my requests and remove these inaccurate accounts from my credit report is not only a violation of my rights but also against the law and the FCRA. I have already contacted the police, the IRS, and the Consumer Financial Protection Bureau ( CFPB ) regarding this matter. My next course of action will be to pursue legal action against Equifax in civil court. 

I demand that Equifax immediately rectify this situation by removing the aforementioned accounts from my credit report. Failure to do so will result in further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a 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 always paid on time, and I'm certain of this. What I'm unsure about is why this company is reporting me as late in certain months, which should not be happening. According to USC 1666b, any billing error should be corrected, otherwise, they will owe me {$1000.00} for each account reporting inaccurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
I attempted to resolve this issue with the consumer reporting agencies as well as the creditor. They failed to block or remove information related to my complete and accurate Identity Theft Affidavits.

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