vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-10 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: LA

Complaint narrative:
There are some fraudulent inquiries on my credit report.

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 2024-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

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 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
The presence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and XXXX XXXX that this negative rating has caused me and will continue to cause until it is resolved.

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 2024-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: NJ

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 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: FL

Complaint narrative:
I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.

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 2024-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to 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 non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
In the Middle of XXXX after the XXXX of 2023 I started receiving communications from Midland Credit Management stating that I owe them an alleged debt that they purchase from XXXX  XXXX. I have asked them to produce the master/promissory note showing a bonafide contract between Midland Credit Management and the XXXX XXXX account that bears my signature. To validate the reasoning for contacting me for the alleged debt. Continuously they send the same automated message of the date is was open / date of charge off/ date purchased / original purchase balance and billing statements and notes that can easily be photoshopped. They can produce that information but can not simply produce the master/promissory note showing a bonafide contract between Midland Credit Management and the XXXX XXXX account that bears my signature. Any other communication is NOT A CONTRACT. 

How is midland unaware of what a master promissory note is or what a bonafide contract is but they are in business collecting on debt? 

I recently checked my credit report and see that Midland is now reporting a collection account without providing the information that I asked for which is a violation of my rights. In addition lying and using deceptive practices to solicit money from me. For example its states the Original purchase balance was {$5100.00} debt collection companies never purchase debt for what is currently owed which means you are voluntarily lying to me to get me to contract with you. 

When an account goes into default and it is charged off from a financial institution ( XXXX XXXXXXXX ), it is charged off as a lost and the consumer is to file that on their taxes as income. That is the end. Midland Credit Management ALLEGED purchase has nothing to do with me if they cant produce the master/promissory note showing a bonafide contract between Midland Credit Management and the XXXX  XXXX account that bears my signature. I DO NOT CONSENT NOR DO I ACCEPT THEIR OFFER AND WE DO NOT HAVE A CONTRACT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
I am attempting to redeem my earned rewards through my Barclay credit card and am receiving multiple errors. The initial error I received last week said the site was under maintenance. I've tried again today, the site loads and I'm able to select my travel purchase for my redemption statement credit. I asked to redeem 200,000 miles, while I have a balance of 200,085 miles. When selecting redeem, the website produces an error saying please enter a valid value. I called customer service, who said their system was down and they were unable to do the redemption, but they can walk me through the redemption process. They had me try the same steps that I had tried on my own and received the same error. Per their suggestion, I requested a lower amount 197,500 miles for {$1900.00}. It too received the same invalid value error. It seems to me they do not want to redeem this earned reward.

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 2024-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
Text from : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX debt collector for XXXXXXXX XXXX XXXX. View Terms : XXXX XXXX XXXXXXXX To view your account and pay, please use Case/Ticket/Citation # : XXXX and click this link : XXXX XXXX XXXXXXXX or call us at XXXX Reply STOP to stop Text from : XXXX ( XXXX ) XXXX XXXX, XXXX & XXXX is a debt collector for City of LA XXXX You may now receive texts. 
To view your account and pay, use Citation # : XXXX and click this link : XXXX or call XXXX. 

Reply STOP to cancel msg & data rates may apply

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Diversified Adjustment Service, Inc.
State: MN

Complaint narrative:
I am writing in additional to filing a formal complaint regarding a HIPAA violation perpetrated by XXXX XXXX and Diversified Adjustment Service , Inc. with the Office of the Minnesota Attorney General. 

I recently discovered that a debt which originated from XXXX XXXX, was sold to Diversified Adjustment Service , Inc., a debt collection agency licensed in the state of Minnesota. Upon requesting validation of this debt, Diversified Adjustment Service , Inc. sent me a copy of a bill branded from XXXX XXXX, which openly displayed my name, address, account number, and alarmingly specific details about my medical health. In addition during this debt validity request, I was sent a second collection attempt within my 30 day protected window from collection attempts. * The bill that is now in the possession of a collection agency includes highly sensitive medical information, such as detailed diagnosis codes, the name of my provider, and a description of my care. A cursory XXXX search of the diagnostic codes listed reveals both of my medical conditions, and a search of my provider, who is a XXXX, also yields specific information about my medical history. This egregious breach of privacy has left me deeply concerned about the security of my personal health 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 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: KS

Complaint narrative:
In XXXX, my servicing lender was transitioned from Dept. of ed Nelnet to Dept. of Ed. XXXX. 

On XX/XX/XXXX I checked my credit report as part of an exercise to begin purchasing a home. A lender noted that my student loans were duplicated and showed an active balance of over {$100000.00}. 

On XX/XX/XXXX I contacted XXXX and Nelnet, both student loan providers for FASFA. Neither claimed responsibility or the ability to resolve the duplication on my report. On XX/XX/XXXX I filed a Feedback case on studentaid.gov, case # XXXX. 

As of XX/XX/XXXX, I still have not received a contact back or any update on the status of my case what-so-ever. I am trying to purchase a home, but because of the duplication on my credit reports, I have been unsuccessful in getting friendly lending terms. 

There are hundreds of people like me reporting this as an issue on numerous website forums.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The presence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: MI

Complaint narrative:
The company is holding my funds against my will which is immoral and illegal i have over {$2900.00} in my balance and they refuse to let me get my funds out. Its been over 2 months owithut the money my email is XXXX The routing number and account number that i had linked to the account is no longer in use so i would have to provide a new routing and account number in order to withdrawl my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
New vehicle purchased on XX/XX/XXXX and financed through Hyundai Motor Finance ( HMF ). This loan was refinanced through another lender and HMF was paid off ( and acknowledged by HMF ) on XX/XX/XXXX. HMF policy ( per their website ) is to release the title after five business days. Virginia Law says that the title must be released within ten days after the lien is satisfied. It is now XX/XX/XXXX and the new lender has not received the title. HMF has acknowledged that title release is their responsibility but is unable to answer as to why they have not been able to fulfill their legal duty nor as to when and how they will do so.

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 2024-05-10 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: NY

Complaint narrative:
Apparently, XXXX XXXX XXXX  charged off debt on my credit report. I have reached out to rectify the issue, I sent a letter opting out of all consent. I would like this income removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

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 2024-05-10 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: NC

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I saw that I have an unauthorized credit inquiry

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 2024-05-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
Apologies if I didn't select the correct category for this, but this is what I am complaining about. 

I hope this correspondence finds you well. I am writing to bring to your attention a matter concerning my educational loans that necessitates careful consideration and resolution. 

During the period spanning from XXXX to XXXX, I pursued my education at XXXX XXXX located in XXXX XXXX, IL ( now closed ), culminating in my graduation in XXXX. Throughout my academic journey, I availed both federal and private loans to facilitate my educational endeavors. 

Recently, my federal loans were XXXX in XXXX owing to instances of misconduct and the subsequent closure of the institution. This development prompted me to explore the possibility of a similar discharge for my Signature Select private loans, which are currently serviced by Navient, formerly serviced as Sallie Mae. 

In light of the circumstances surrounding the discharge of my federal loans, particularly the misconduct associated with XXXX XXXX and the application of the FTC 's " Holder Rule, '' I firmly believe that my private loans merit equitable consideration for discharge on grounds of misconduct. 

For your reference, I have enclosed a copy of the letter titled " Notice of Borrower Defense Discharge Approval, '' which pertains to the discharge of my loans from XXXX XXXX in XXXX. 

I kindly request your assistance in assessing the eligibility of my private loans for discharge in alignment with the aforementioned grounds. Your attention to this matter and timely response would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
The presence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central Portfolio Control Inc.
State: AZ

Complaint narrative:
In XX/XX/XXXX, my son, XXXX XXXX, was evicted from his apartment for a noise complaint and for having a friend staying with him too long. He was paid in full through XX/XX/XXXX and I was the guarantor paying the rent. The complex is XXXX XXXX XXXX University XXXX | XXXX | AZ | XXXX He vacated his apartment on XX/XX/XXXX and moved elsewhere. 

On XX/XX/XXXX, I was emailed an accelerated rent payment statement for rent through XX/XX/XXXX plus several days of late payments for XXXX. I had previously communicated with XXXX the representative for the parent company of XXXX multiple times via email because he kept asking me to pay the rent even though XXXX wasnt living there anymore. I didnt understand why they were billing me even though they confirmed he had been evicted and had cooperated and left timely. They confirmed this. 

I was then sent a statement again by XXXX for a balance of {$4000.00} with a message from XXXX that I was being sent to collections for accelerated rent payments. I emailed him back and told him that the practice violated AZ housing regulations and disputed the charges. 

Now I am receiving aggressive calls from a group called XXXX XXXX XXXX from phone number XXXX. There have been at least two different callers ( XXXX and XXXX XXXX who call me every day. Today I tried to speak to XXXX to get to the bottom of this but she kept demanding I provide my social security number and other sensitive information before she would give me details, and when I refused to give her details she hung up on me. 

I think that XXXX and these other people are trying to commit identity theft and scam me and my son out of {$4000.00}, even though they can not provide any explanation as to why we owe anything. 

Please advise what we can do to make this scam and harassment stop.

Company response to consumer: Closed with explanation