vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services
State: CT

Complaint narrative:
THIS IS NOT A DUPLICATE!!!! 

I have brought it to MBFS attention of the Fair Debt Collection Practices Act violations they are committing. I have sent an affidavit of truth and notice of cease and desist. XXXX XXXX responded that they are not a third party debt collector which I never claim MBFS was. I said they are a debt collector according to the FDCPA 15 USC 1692a ( 6 ). Federal law defines debt collector as the following " The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests '' MBFS using interstate commerce and the mails to collect debt which makes them a debt collector. MBFS regular attempts to collect debt because they send me monthly statements stating I owe a ALLEGED debt which makes MBFS a debt collector. I am demanding you address my concerns of MBFS violating laws under the FDCPA. There is no such thing as a third party debt collector which I never claim MBFS was. You are a debt collector according to federal law and I demand you prove other wise giving the definition.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I cant log in to the Transunion site to unfreeze my credit file. The site hasnt worked in over a month. It tells me that my login credentials are incorrect. Then when I try to retrieve my correct info, the same page just reloads and you cant go any further. The customer service phone number just puts you on hold with music and then you get disconnected. There are plenty of complaints on XXXX and other sites.

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 2021-09-01 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I XXXX of 2021 I submitted a certified letter to XXXX, Equifax, XXXX, and XXXX to verify how they reported a bankruptcy on my credit report. None of them provided me with information on how the bankruptcy was added to my credit profile and I got a letter from the court stating they do not furnish any of this information to any of the credit bureaus. It is my right to have this information removed from my credit report since the court does not provide such information and it's illegal to add things that are not furnished by the original provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: NC

Complaint narrative:
I XXXX of 2021 I submitted a certified letter to XXXX, XXXX, Experian, and XXXX to verify how they reported a bankruptcy on my credit report. None of them provided me with information on how the bankruptcy was added to my credit profile and I got a letter from the court stating they do not furnish any of this information to any of the credit bureaus. It is my right to have this information removed from my credit report since the court does not provide such information and it's illegal to add things that are not furnished by the original provider.

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 2021-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have recently graduated from college, come to find out that I have fraudulent accounts in my name. 

I have dealt with identity theft for the last 7 years of my life, I have installed all the proper things needed but these banks still open credit in my name for these criminals. 

Under FCRA 615 ( f ). 

I am asking Experian, XXXX, and XXXX  to CEASE & DESIST all reporting of these fraudulent accounts. 

XXXX XXXX  : {$43000.00} XXXX : {$3200.00} XXXXXXXX XXXX XXXX  : {$16000.00} These accounts are the result of identity theft and I attest under perjury that they are the result of identity theft. 

This is a legal request to cease and desist.

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 2021-09-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: Tesla, Inc.
State: CA

Complaint narrative:
I have a Power Purchase Agreement with Tesla that gives me the option to purchase the used solar system on my home at Fair Market Value as determined by an independent third party. Every time Ive inquired about purchasing the system it is Tesla, not an independent third party, that gives me a positive purchase price at what appears to be an inflated value. Ive requested that a 3rd party whose identity is known and agreed upon by both parties be hired to do an appraisal and provide a Fair Market Value at my own cost as stipulated by the contract but Tesla has repeatedly ignored this request, insisting their value theyve presented to me is from a third party whom they refuse to identify.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
A capital One 360 account was open and after months of reaching out, they accused my mother of opening an account in my name without my approval. My mother doesn't know nor does she have any of my information. Their support staff team are very rude and disorganized. It seemed to had been added to my credit as well. They claim money is due on the account. They do not call back after stating they would have a supervisor give me a call. I've tried calling everyday for three weeks straight and it is always some type of accuse as to why I have to wait for a callback. No one gives me any reason as to why I haven't received a callback.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Marlette Funding, LLC
State: NC

Complaint narrative:
The company best egg sent me the CONSUMER two illegal false advertising letters by mail. First I've never done any business with them so how can I be pre approved unless identity theft, fraud and privacy of the CONSUMER. So then I CONSUMER XXXX tried in good faith to dismiss the first violations and requested my personal line of credit for XXXX subsequently I was denied at this point I requested the mailing of this denial letter the representative lied repeatedly claiming I can't get physical copy at which a Supervisor named XXXX also had many deflective and deceitful words I asked him according to USC 18 section 8 to correct this issue now also reminding him of 15 USC 1681n XXXX refused to comply deflecting and denying but later acknowledged he was familiar with the law which was clear admission

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
on or around XX/XX/2021 I switched phone providers from XXXX  to XXXX. I called XXXX to see balance owed if any. I was told by a XXXX  rep that if i sent in the phone and paid {$150.00} that would end my obligation to XXXX. I did as instructed. return kit sent. mailed phone. paid {$150.00} to the XXXX  rep over the phone.. who stated he worked where returns come to.. verified mine was checked in ... ( XXXX XXXX ) .. transaction complete so I thought.. I discover.. with no warning.. XXXX  contacts a collections agency @ 4 months later saying I owe {$150.00} and reports it to all 3 bureaus. XXXX  has since removed it based on my dispute. XXXX  and XXXX  I cant ( why I dont know ) is not allowing me access to my own credit file to dispute this. XXXX  knows this is fraud. they've done the same to my wife. this matter is paid in full and they have NO credible proof its not. I would like XXXX  to remove this from my credit and if by some miracle the payment i made was lost or stolen i would pay again because this mess caused my credit score to drop a avg of 25 points across the 3 bureaus. my credit score matters to me.. paying {$150.00} twice is hard to accept for me but in the big scheme of things ... regular citizen versus XXXX XXXX corporation.. for me and my family its what im forced to do if collection is removed first. because proving this XXXX cant do

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 2021-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have recently graduated from college, come to find out that I have fraudulent accounts in my name. 

I have dealt with identity theft for the last 7 years of my life, I have installed all the proper things needed but these banks still open credit in my name for these criminals. 

Under FCRA 615 ( f ). 

I am asking XXXX, TransUnion, and XXXX to CEASE & DESIST all reporting of these fraudulent accounts. 

XXXX XXXX  : {$43000.00} XXXX : {$3200.00} XXXXXXXX XXXX XXXX : {$16000.00} These accounts are the result of identity theft and I attest under perjury that they are the result of identity theft. 

This is a legal request to cease and desist.

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 2021-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have recently graduated from college, come to find out that I have fraudulent accounts in my name. 

I have dealt with identity theft for the last 7 years of my life, I have installed all the proper things needed but these banks still open credit in my name for these criminals. 

Under FCRA 615 ( f ). 

I am asking XXXX XXXX, and Equifax to CEASE & DESIST all reporting of these fraudulent accounts. 

XXXX XXXX  : {$43000.00} XXXX : {$3200.00} XXXXXXXX XXXX XXXX : {$16000.00} These accounts are the result of identity theft and I attest under perjury that they are the result of identity theft. 

This is a legal request to cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I have recently graduated from college, come to find out that I have fraudulent accounts in my name. I have dealt with identity theft for the last 7 years of my life, I have installed all the proper things needed but these banks still open credit in my name for these criminals. 

Under FCRA 615 ( f ). I am asking your financial institution to CEASE & DESIST all reporting of these fraudulent accounts. Barclays Bank Delaware : {$16000.00}. 
These accounts are the result of identity theft and I attest under perjury that they are the result of identity theft. 


This is a legal request to cease and desist.

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 2021-09-01 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax was sent drivers license, social security card, Several FTC reports with updates as well as instructions on removing unauthorized inquiries from my report several times. Several times the above documents were sent and are on file with Equifax. It was explained that I was a victim of Identity theft, my personal information was exposed in an " EQUIFAX " data breach and an income tax was filed without my knowledge. A XXXX police report was filed. Every time I attempt to reach someone with regards to deleting the inquiries a representative responds that its nothing that can be done because all deleted inquiries are handled in a back office and there is no contact info available for, " THE BACK OFFICE ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: NJ

Complaint narrative:
SEQUIUM AT XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX has been sending me collection notices in the amount of XXXX, the collection has been reported as past due. I do not know this company. I have never done any business with this company. this company does not have a contract with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have recently graduated from college, come to find out that I have fraudulent accounts in my name. 
I have dealt with identity theft for the last 7 years of my life, I have installed all the proper things needed but these banks still open credit in my name for these criminals. Under FCRA 615 ( f ).

I am asking your financial institution to CEASE & DESIST all reporting of these fraudulent accounts. DISCOVER : {$3200.00} This account is the result of identity theft and I attest under perjury that they are the result of identity theft.

This is a legal request to cease and desist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I received mail from TD bank checking account bonus in XXXX. I opened account online and met all requirement in XXXX. I should receive bonus on XXXX but I didn't receive checking account bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I am a victim of identity theft. XXXX XXXX XXXX  Have fraudulent accounts on my credit profile that need to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Rossman & Co & PCB
State: KY

Complaint narrative:
Constant phone calls. On a daily sometimes multiple times a day. Ive asked to stop being called. It's a medical bill from almost 10 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I am a victim of identity theft. XXXX XXXX XXXX Have fraudulent accounts on my credit profile that need to be removed 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 2021-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I closed my Bank of America checking account. On XX/XX/XXXX, I received an email from BoA saying " Were letting you know that due to changes in the status of your account ( s ), your Bill Pay service has been inactivated. '' I login to my BoA online account, and I noticed two issues : 1 ) all my scheduled future payments for my credit card were deleted, and 2 ) I was not able to make a payment to my credit card using the Bill Pay. I called customer service and talked with XXXX. She informed me my external payment source needed to be verified. I asked her why as the external payment source has been used to pay the credit card for the past 6 months. She mentioned something about me using my external payment source as a one time payment and now it is being used automatic payment. I find the statement to be ludicrous as it is the same external payment source I used to make payments for the past 6 months and scheduled future payments until XX/XX/XXXX, and now BoA needs to verify it, especially after I closed my check account.

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 2021-09-01 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 — Investigation took more than 30 days
Company: Phoenix Financial Services LLC
State: GA

Complaint narrative:
This account from Phoenix Financial Services showed up on my credit report on XX/XX/2021.I sent a certified letter on XX/XX/2021 letter requesting proof of the debt, also requested to remove this account from my credit reports. Phoenix Financial Services received the letter on XX/XX/2021. I never received anything back from this company and this debt is still on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
You are in violation of my rights under the FCRA and FDCPA. Pursuant to 1692j of title 15, written by congress, it is unlawful to design, compile, and furnish ANY form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of OR in an attempt to collect a debt such consumer allegedly owes. The debt collectors of these accounts listed below were unable to provide proper validation of these alleged accounts to me, so how is your company reporting this to my consumer report? Please provide in detail the procedures that were used in order to verify these alleged accounts. If you are unable to do so, these alleged accounts must be removed immediately, as under the Gramm-Leach-Bliley Act, 15 USC 6801, its is not only detrimental to me as a consumer, but an invasion of my privacy and these inaccurate accounts are harmful to my reputation as a consumer. It is unlaw to report any inaccurate information to my consumer report, as unverified information is identity theft and an act of constructive fraud. As written by congress the failure to comply with the removal of these inaccurate accounts makes you liable under section 1692k of title 15 and 1681n of title 15. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX, XXXX XXXX XXXX Inquiry date : XX/XX/XXXX 2019

Company response to consumer: Closed with explanation