vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: IA

Complaint narrative:
Midland credit management had gotten an account to a credit card that was closed, when MCM contacted me they told me if i didnt set up a payment agreement with them they would take me to court, take my home or my wifes car if i lost in court to pay the debt, i set up a payment agreement for {$50.00} a month until paid in full was informed that if I canceled the agreement they would claim the full amount from my bank account and if they could not get the full amount from my bank account they would take me to court, i filed a complaint with CFPB due to them reporting missed payments but not payments made, their responce to the complaint was to stop the pay agreement, they refused to answer any calls i made to them for over a month, during the time of 30 days they had reported missed payments to XXXX and reported collection to XXXX XXXX XXXX has already removed this account from my report because MCM lied on the report, reporting missed payments the whole time, i sent screenshots of my bank account and letters MCM sent me showing payments made ( i still have the proof ) now the MCM has stopped the pay agreement as their responce for me filing a complaint with CFPB this is retaliation as they are damaging my report even worse then before! All i wanted was for them to report payments made as even though they was reporting the balance it was not explaining how payments was being made, i have been denied all forms of credit because of what they have done, they even lied to me on the phone saying they can not remove it from my credit report as they " didnt put it there '' so i know for a fact everything they are saying is a lie, so for this Retaliation, falure to accept payment, falsly reporting to credit bureaus and deception practices, i want them to remove this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute and Request for Immediate Removal of Late Payments Dear XXXX, XXXX, and Experian, I am writing to dispute the late payment entries on my credit report associated with my credit accounts. This dispute is in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

FCRA Explanation : The FCRA, specifically Section 611 ( a ) and Section 623 ( a ) ( 8 ), grants consumers the right to dispute inaccurate or incomplete information on their credit reports with the consumer reporting agencies. Section 623 ( a ) ( 8 ) provides a similar right to dispute inaccurate information directly with the entity furnishing the information. In addition, 15 U.S.C. 1681 is the overarching section of the U.S. Code that encompasses the FCRA, outlining the general provisions related to credit reporting. 

This dispute is also made in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

FDCPA Explanation : The FDCPA, under Section 809, gives consumers the right to seek verification of a debt from a debt collector. This law regulates the practices of debt collectors, ensuring that consumers are treated fairly and protected from abusive or deceptive collection practices. The specific section referenced, 15 U.S.C. 1692, is part of the U.S. Code that details the FDCPA. 

Upon careful review of my credit reports from your respective agencies, I have identified discrepancies related to the reporting of late payments. I firmly believe these discrepancies are in violation of the FCRA and FDCPA, and I am exercising my rights under these acts for a fair resolution. 

I formally request an immediate and thorough investigation into the reported late payments on my accounts. Please consider this letter as a formal dispute under the FCRA and FDCPA, and I demand the removal of these late payments from my credit reports, effective immediately. 

I trust that your agencies will adhere to the regulatory standards set by the FCRA and FDCPA and rectify this matter promptly. 

Thank you for your prompt attention to this dispute. I anticipate the resolution of this issue within the timeframes specified by law. 

Credit card companies with alleged late payments XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ny 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 non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I reached out to these companies below to see if they had permissible purpose for these hard inquires and no one responded, they either left me on hold or the phone disconnected. I'm trying to purchase a home and the inquires are vital and affecting my ability to purchase, I'm requesting they are removed immediately as they ahve been on my credit report for over 1 year now. 
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 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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Specialized Loan Servicing Holdings LLC
State: PA

Complaint narrative:
When our original homeowners insurance jacked or premium up from XXXX to XXXX, I began shopping for a new policy. However, SLS simply paid out the increase and then re-estimated our escrow account and increased our monthly payment by {$300.00}, a 17 % monthly payment increase. 

At no time did they verify if we had accepted such a ridiculous premium increase. They did not act as an agent or a fiduciary of the borrower and simply forced us through the escrow to pay such a massive increase. 

After I eventually found a reasonable provider with a premium that was lower than the original {$1400.00}, we submitted a request to cancel the escrow account. SLS refused siting the homeowners policy. The date of the refusal was AFTER my new provider had actually submitted the new declaration page. XXXX XXXX informed us of the regular difficulty they have working with SLS.

I had paid our new insurance directly, I had informed SLS I was paying it directly, yet SLS simply turned around and paid out the entire premium out of the escrow account. SLS has been notified that XXXX XXXX will only accept payment from the client, yet continues to be obstructionist in cancelling the escrow account. 

First, the CFPB needs to materially review the regulations around escrow accounts. 

Second, the CFPB needs to materially review rules around servicing transfer. The borrowers have no say in these transfers even though the borrowers are the most impacted

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 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX  has violated my rights.

15 U.S.C 1681 602 A States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Take a look at the attached documents and remove any personal information that is not associated with me.

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 2023-11-29 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:
This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits. I have report a complaint over this account that was never verified : XXXX # XXXX, XXXX Account Status : not accurate showing as open account. XXXX Terms Frequency : missing information. XXXX Account Type : is not accurate this account was reported as fraudulent over 3 years ago. Please delete this account at once. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards ; according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

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 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. XXXX U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 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: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
This company have an account listed on my credit report as closed with a negative impact. I have reached out to the multiple times asking to prove that I have a contract with them. I haven't received any responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: FL

Complaint narrative:
There are dozens of inquiries ... ... someone are trying to access credit .... I placed a fraud alert and security freeze but before I knew it there were XXXX inquiries .....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 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: OH

Complaint narrative:
I filed complaint number XXXX on the CFPB website on XX/XX/ in reference to inaccurate information I saw on my credit report. I filed another complaint number XXXX on the CFPB website on XXXX in reference to more inaccurate information I saw on my credit report. I have made these inaccuracies known to TransUnion. Nothing has been corrected on my report and TransUnion has claimed to have investigated and verified the accuracy of the information. TransUnion claims to have determined the information including my dispute information. TransUnion is accepting monetary gain from the furnishers of the inaccurate accounts as well as accounts that don't belong to me. TransUnion is engaging in parroting and TransUnion has not properly investigated ANY ACCOUNT furnished to my report and continues to defame me for financial gain. TransUnion has recently been found guilty of these same offenses by the CFPB and the FTC. TransUnion is claiming to agree to settle the invoice yet is requesting authentication documents that I do not have nor am I required to possess such documents by federal regulation, yet TransUnion has attained such nonpublic information against my will. I have never surrendered any non-public information or documents to TransUnion nor instructed TransUnion on what my report should entail, although they have taken it upon themselves to assume this vital role for monetary gain. Trans Union is still allowing collection attempts despite the accounts being under investigation because TransUnion is monetizing the inaccuracies on the report. These are the names of the specific items on the report in question, 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the reason you for disputing is inaccuracy.

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 2023-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I recently surrendered a vehicle that I had re-financed with One Main Financial because it was falling apart. The repairs needed to make the car functional, which was going to eventually include a new engine, was more than the actual value of the car. I had re-financed with them to get a better rate, and had paid them $ XXXX over the XXXX years since I did the original re-fi. The car was never worth as much as the re-fi was for ( about XXXX ), but I needed a car, and I am not a mechanic, but I had a few places that I could go to for help that didn't overcharge me, so until the car REALLY started breaking down, at least I was breaking even ( in retrospect ). 

So late last year, I started getting offers from One Main Financial to re-fi, again, to an even lower rate, with subsequent lower payments. Never XXXX to turn down a lower payment, I went for it. Only this time, every time I turned around, there was XXXX issue after another. A XXXX ton of miscommunication ( I would be told different things by different people ) followed by several extra payments, followed by having to call corporate. Then on top of everything else, my car got broken into, which my insurance didn't cover, and I got slammed out of pocket for that, As well as the burgeoning engine problems. It got both ugly AND expensive. 

When I went to surrender the vehicle, One Main Financial made the process EXTREMELY difficult. They tried not to take the car back ( wouldn't give me information on how to surrender the vehicle, got REALLY nasty with me over the phone, refused to talk about ANYTHING other than me continuing to make payments, etc ), then when they finally made an appointment for me to surrender the vehicle, were absolutely rude when I came into the office. 

So my current quandy is this : They sat on the car for XXXX months before they sold it at auction. The car was only worth {$5500.00}, which is what they sold it for. Now they are demanding $ XXXX for the difference in what I owe them on the re-fi. They already have $ XXXX of my money + {$5500.00} that they sold it for on a car that was only worth {$5500.00} to begin with. 

I received the attached letter in the mail earlier this month, informing me of what I still owe them, and telling me to contact them. If you look at the letter, there is NO contact information. I feel that this is a setup to sue me in court to obtain a wage garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX, experian, and XXXX are all allowing these companies to affect my credit report without my consent and have never allowed me to opt out, documentation provided.

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 2023-11-29 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I am credit worthy, however, Synchony Bank has denied me credit. Their gobbledygook reasoning is un-understandable to me and I believe is concealing age discrimination.

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 2023-11-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Specialized Loan Servicing is attempting to collect a debt that is already canceled. Under UCC 3-601 ( a ) The obligation of a party to pay the instrument is discharged as stated in this Article or by an act or agreement with the party which would discharge an obligation to pay money under a simple contract.

( b ) Discharge of the obligation of a party is not effective against a person acquiring rights of a holder in due course of the instrument without notice of the discharge.

I have legally discharged this debt and provided notice to Specialized Loan Servicing of my doing so. Legally I am not bound to performance as it has been meant under this simple contract. Furthermore if Specialized Loan Servicing is refusing to accept the payment then the debt is automatically discharged. 3-604. DISCHARGE BY CANCELLATION OR RENUNCIATION.

Primary tabs ( a ) A person entitled to enforce an instrument, with or without consideration, may discharge the obligation of a party to pay the instrument ( i ) by an intentional voluntary act, such as surrender of the instrument to the party, destruction, mutilation, or cancellation of the instrument, cancellation or striking out of the party 's signature, or the addition of words to the instrument indicating discharge, or ( ii ) by agreeing not to sue or otherwise renouncing rights against the party by a signed record.

( b ) Cancellation or striking out of an indorsement pursuant to subsection ( a ) does not affect the status and rights of a party derived from the indorsement.

( c ) As used in this section, " signed, '' with respect to a record that is not a writing, includes the attachment to or logical association with the record of an electronic symbol, sound, or process to or with the record with the present intent to adopt or accept the record.

Specialized Loan Servicing has provided me no value for my financial asset that they are profiting from. The proceeds from my collateral is being used to pay investors and shareholders which should include me as I am the only holder in due course. If Specialized Loan Servicing has evidence as to me truly being indebted I ask they provide it. Not the simple contract but the official bank ledger that would show the debit from the account of Specialized Loan Servicing to me as a credit. This would prove that I am indebted otherwise Specialized Loan Servicing has defrauded me into believing that loaned me something of value and they did not instead they have profited from the exchange of my security,

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