vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
XX/XX/XXXX I was moving to a new address so I went to the Corporate XXXX  office in XXXX m, TX to change address on the account and to make me the primary account holder removing XXXX XXXX ( my mother ). I was receiving bills in my name and everything. Everything was changed and completed. XXXX we decided to switch providers to XXXX XXXX  had a deal to buy you out of the contract. They told me it takes about 3 to 4 months to let XXXX know. XX/XX/XXXX I called XXXX to make sure we were squared away and everything had been taking care of. The employee told me I was good to go and if I decided to come back to the XXXX family to let them know. I never received anything regarding non payment or anything. XX/XX/XXXX I received a phone call from Sequium Asset Solutions looking for my mother. They reported to my mothers credit for the amount of XXXX. My mother called them. They told my mother that the actual amount was for XXXX but your daughter sent in a check that has bounced multiple times which has accrued the additional charges for insufficient funds. I never sent a check I was under the impression that everything was taken care of. She gave them permission to talk to me. So I called them XX/XX/XXXX and told them that my mother shouldnt even be on the account anymore that I had her removed. So they should t be calling or reporting to her credit at all. That XXXX bought out my contract and XXXX told me I was squared away. I also let them know about the check I supposedly sent. I asked for a copy they refused to send it. The woman named XXXX XXXX said it sounds like you are disputing this debt. I said yes maam this information you have is all wrong. Well we can work with you and you could just pay the amount of XXXX would you be willing to do that. I am disputing all of this debt. She never told me what I needed to do or what my options were to dispute the matter. She hung up on me. They called my mother and said they have no records of mine and their conversation or my mothers previous conversation. She also asked again about the check they claimed had bounced and they denied they said that. They told my mother they will continue to attack her credit every month until the debt is paid. My mother disputed the collection on her credit through XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Presto Loan Center, LLC
State: AZ

Complaint narrative:
The title loan account was opened in XX/XX/2015 the company did not disclose that they were reporting payments to the credit bureaus, this was optional at that time according to the advertisements, the employee at the store made this determination on my behalf without consent. They are a predatory lender with a much higher interest rate than advertised. They violated TILA, falsely advertised, and represented rates making it impossible to meet the terms as a consumer. They tried to keep the vehicle as it was in their possession from the time the loan was in place. The loan defaulted, once defaulted we paid the loan in full plus any fees they charged. These fees were never provided upfront or officially disclosed in any documentation, it had to be what they said we needed to pay plus storage fees and other bogus fees. Presto would not give us the location of the vehicle after payment, we had to go to several local warehouses to try and locate the vehicle on our own with little to no cooperation. This company takes advantage of consumers. I have disputedPresto 's credit reporting practices over the last 3 years countless times and they continue to falsely report when they were not authorized.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX CERTIFIED MAILING SLIP XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX GEORGIA XXXX CERTIFIED MAILING SLIP XXXX XXXX XXXX XXXX XXXX Someone at the agency signed for it on XX/XX/2021 I, the consumer, and the Creditor for each account that is being reported on the consumer credit report is being reported without the consumer 's expressed written consent. XXXX  AND EXPERIAN was sent an affidavit of truth stating that I am the original creditor and XXXX  AND EXPERIAN has 10 days to remove ALL ACCOUNTS that are in direct and indirect violation with the FDCPA 15 USC 1692 ( entire section ). Each account on the consumer 's profile is false and misleading because, I, the consumer never gave XXXX  AND EXPERIAN any written express consent to place inaccurate information on the consumer report pursuant to 15 USC 1681a ( e ) and XXXX  AND EXPERIAN is in receipt of the INVOICE I sent that shows they are in 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 2021-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2020, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX Date of inquiry XX/XX/20XXXX XXXX  Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
After pulling my credit profile over a year ago an inaccurate public record was reporting that I disputed immediately with supporting documents and mailed via certified mail to Transunion. I also disputed the public record with the data furnisher XXXX after Transunion advised me of that in writing. XXXX has since deleted the public record from their profile ( I have a letter from them as proof ) this letter & a letter from the courts they stated " provided the the info '' was mailed also stating they DO NOT report to the credit bureaus was then mailed to Transunion via certified mail yet they continue to refuse to investigate the disputed item & to remove it. After receipt of this a rep from Transunion stated they do not remove items from letters from consumers & that it would need to come directly from the furnisher, ( tracking # to TU XX/XX/21 delivered XX/XX/21 # XXXX ) therefore another letter was sent to XXXX via certified mail XX/XX/21 delivered XX/XX/21 ( tracking # XXXX ) I keep receiving letters that state " they do not have to review the item & to send addt info to support my dispute '' & I send new addt docs & proof that NO other bureau is reporting this public record. Another certified letter was mailed XX/XX/21 per tracking the letter was received by Transunion on XX/XX/21 ( tracking # XXXX I have more ) yet I received the same letter dated XX/XX/21 that I have been receiving for the past year. Basically, in less than 48hrs someone reviewed the NEW docs that was mailed that I have copies of and generated a letter that I received today XX/XX/21? It is clear that they DO NOT review nor verify the items they are reporting on a consumer 's report nor do they review the supporting docs they request you to submit to validate the request. I have tried to contact them via phone and was left on hold for 2hrs & 20 mins ( I have screenshots ). Please help as I feel they are in violation of the FCRA. Thank you for your time.

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 2021-07-26 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: EQUIFAX, INC.
State: MN

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Innovate Managed Holdings, LLC
State: IL

Complaint narrative:
Hello, i have a lease with XXXX XXXX XXXX, i called them and asked about pay off letter on my car. Same day a paid my car off. I have a payment confirmation. In few days i called to ask when i will get my title. They told me in 10 days. In 10 days i called and XXXX is out of business. And now there is the company Innovate Auto Finance. They told me i will have my title up to 45 days. But its already 50 days. I called them every day and the keep telling me they don't know what the problem is, Where is my title they didn't know and a lot of different stuff. XX/XX/16 they send me Letter of guarantee that i payed off the car. But i need a title, and i don't know how i can get it because they keep telling me some bs stories

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have made several attempts to resolve an identity theft account from my credit with little to no assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-26 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I'm writing this complaint because I have had several issues with the equifax, XXXX, and XXXX. I have sent several letters to the credit bureaus in regards to violations of fraudulent activity that have been reported to my credit bureau profile. It has been over 30 days and i have not heard anything back in regards to my concerns. By law I should have heard something by now my demand is that all of the violations on my report included in the letters that I will provide be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
hi Midlandmcm ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MANN FINANCIAL INC.
State: MT

Complaint narrative:
Mann Mortgage made an over payment of my property taxes in XX/XX/2021. This resulted in an apparent shortfall in my escrow account, which they want me to make up for with a 12 month shortage spread. In addition, they projected the same error into XXXX. This mistake doubled my escrow payment for taxes from {$2400.00} to {$4800.00} for the coming year. 
As a result of these errors, they want to increase my monthly escrow payment beginning XX/XX/XXXX from {$270.00} ( {$200.00} tax + {$70.00} Insurance ) to {$690.00}. 

In addition, the payments they have projected do not reflect the actual increase in property taxes that occurred this year. According to my tax statement from XXXX County, my annual taxes increased from {$2400.00} to {$2900.00}. My semi-annual tax payment from escrow in XXXX should be around {$1400.00}. Instead, they project a payment in XX/XX/2021 of {$1200.00}. 

I am filing this complaint because I have reached out to Mann Mortgage but I have gotten no response. I called their customer service number on XX/XX/XXXX and spoke at length with a representative. I was told that the matter would be reviewed by the appropriate department and that I would be contacted within 10 days. Having received no communication, I called them again today, XX/XX/XXXX. I again spoke with a representative who told me, " We don't give call backs '', and that the issue " should be resolved by Friday ''. 

This is unacceptable customer service for a product with a 30-year life span. My property is a duplex. I live in one half and I rent the other half. So in addition to being a homeowner I am a small business owner. I need to recalculate my tenant 's rent in a timely manner before their lease expires XX/XX/XXXX. Mann Mortgage 's poor customer service is making that very difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: MS

Complaint narrative:
acct number XXXX i dont live in XXXX XXXX  TGHE ADDRESS FOR THIS DEBT IS XXXX XXXX XXXXXXXX XXXX I NEVER LIVE HERE AT ALL I HAVE BEEN IN XXXX  FOR OVER 10 PLUS YEARS SOMEONE HAS USE MY SSN

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 2021-07-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have item on my credit report that I would like be verified, XXXX XXXX XXXX  Opened on XX/XX/XXXX {$790.00}, XXXX XXXX Opened on XX/XX/XXXX {$740.00}, XXXX XXXX Opened XX/XX/XXXX {$17000.00}, XXXX Opened XX/XX/XXXX {$1000.00}, XXXX XXXX XXXX  XX/XX/XXXX {$230.00}, XXXX XXXX XXXX  XXXX XX/XX/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 2021-07-26 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: NJ

Complaint narrative:
I'm writing this complaint because I have had several issues with the XXXX, Transunion, and XXXX. I have sent several letters to the credit bureaus in regards to violations of fraudulent activity that have been reported to my credit bureau profile. It has been over 30 days and i have not heard anything back in regards to my concerns. By law I should have heard something by now my demand is that all of the violations on my report included in the letters that I will provide be deleted immediately.

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 2021-07-26 00:00:00
Product: Credit reporting, credit repair services, 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 have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation