vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-22 00:00:00
Product: Vehicle loan or lease — Loan
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: New Century Auto Sales, Inc.
State: IL

Complaint narrative:
I entered into a Consumer credit transaction with RIGHTWAY Automotive Credit on XXXX XXXX for a total financed amount of {$17000.00} without 1 ). Full disclosure of my right to rescind 2 ). Transparency regarding the process of the consumer credit application being the financial asset ( 12 CFR 360.6 ) ( 2 ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). I have reason to believe that RIGHTWAY AUTOMOTIVE CREDIT willingly and knowingly took advantage of me and my consumer credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I set up a payment program for 60 months with them at {$19.00} some change a month in the system. They made a mistake and everyone in their system can see their mistake that it was said that the XXXX who I spoke with at the time. Open the page for a 12 month program and then closed it noting that it was a mistake and client ( myself ) would be doing 16 month program. They have defaulted saying that I did not make my payments though I had set them up automatically to draft on my account for the next 10 months. They said because the twelvemonth program was for {$50.00} a month though it was not set up for that and there was a mistake in their system that I. Would need to pay all the late fees and interest ( which there should be none the program is with no interest for the duration ) to start a twelve month program because it was showing a Default on the 60 month and couldn't no longer do this ( which I had not and they told me they could see I hadn't ) and would have to pay all the interest and late fees again this was in XXXX before my payment was due. I spoke with a supervisor there his name was XXXX XXXX said yes you have done everything correctly you are not in default and it was a mistake in the system he then sent an email to the hardship department asking them to correct it and my credit report so I could then resume payments before it went past my due date and to contact me when it was corrected. I did not receive a phone call I then called several more times in XXXX of XXXX, several more times in XXXX, several more XXXX and again todayXX/XX/XXXX when I have called they all tell me the same thing yes it may have been their mistake but there's nothing they can do unless I pay it up the balance should be {$780.00} and they are demanding a payment on the balance of over {$1700.00} ( as ofXX/XX/XXXX ). They refuse to correct the mistakes or my credit. I called again today (XX/XX/XXXX) and tried to resolve the issue but they once again refused to correct the balance or my credit so I can pay them. That's all I want is to pay them and never do business with them again. This has significantly impacted my life and my credit. Due to this I'm unable to make any changes or advances in my life or my credit. The duress it has put me through has been substantial and they believe they are untouchable and that I have no choice but To do as they have demanded and pay all this they have added on and they will continue to hold my credit and reputation at large unless I do so. I was told today they will not make those changes in correcting them as my balance owed or my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
On XX/XX/23 I contacted collection agency Medicredit to set up payment plan for account # XXXX. And agent brought another account was to be due soon and was brought up but I focused back on the account I was calling about. And called back and paid my first payment {$56.00} on XX/XX/23 giving this account number # XXXX. New Agent brought up another account that they just received and I explain to them that I am paying the one I am calling about and talking one debt at a time. And I confirmed that the payment will be applied to the right account and he lied to me and said yes. Reason I know he lied is because when I called about making s payment arrangement on the second medical bill collection account # XXXX on XX/XX/23. Spoke to XXXX at ext XXXX. She gave me a lower amount. So thats when I knew they lied and applied my money to the this account with out my permission. Agent said give them until Thursday XX/XX/23 to correct it. So we finished the call. So I called Agent XXXX back at extension XXXX to cancel my second arrangement on # XXXX. I told XXXX XXXX that was shady and I dont trust you all and I am going to report this. They cant do that. They cant take no ones money and apply it where they see fit. Collections dont work that way. She conveniently says she was just about to call me to let me know that they credited my money to the right account. They supposedly record everything. You can listen to my recordings for those dates if needed. Thank you for looking into this and for your time in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Credit reporting, credit repair services, 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: MO

Complaint narrative:
I was alerted to an unauthorized inquiry for a loan by XXXX on XX/XX/2022. I contacted XXXX and Trans Union the same day. I was informed a second loan application had been made and that both were obviously fraudulent. XXXX assumed me they would seek to removed the inquiries and I have written Trans Union three times in the last six months disputing them. To date the remain in my report having caused a precipitous decline in my score.

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 2023-05-22 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX  upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22 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: IL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
I was notified by my credit protection company that a collection account appeared on my XXXX report filed by Credence Resource Management XXXX XXXX, TX. It alleges an unpaid debt to XXXX XXXX XXXX of {$4200.00}. I have never had any relationship with XXXX XXXX XXXX. XXXX is filing a dispute for me. I was notified on XX/XX/2023 that the collection account was listed on XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22 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: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am writing to report a critical issue regarding my credit profile, which has been compromised due to identity theft. National Credit System ( NCS ) has reported damaging information regarding a {$1200.00} debt that I am wrongly associated with. Despite my efforts, NCS and XXXX XXXX XXXX XXXX XXXX have failed to provide any supporting documents or address the situation adequately. 

Attached to this letter, you will find a police report confirming that I, XXXX XXXX XXXX XXXX, have never resided in XXXX, Florida, where the alleged lease was established. This evidence, coupled with the lack of supporting documentation, undeniably proves that this incident is a case of identity theft, not a legitimate debt. 

I urge the Consumer Financial Protection Bureau to promptly rectify this matter by removing the inaccurate information from my credit report. This fraudulent debt is jeopardizing my ability to purchase an investment property in a timely manner, and its presence on my profile has severe financial implications. 

Furthermore, I request a thorough investigation into who these individuals are who have comitted this fraudulent charge. National Credit System and XXXX XXXX XXXX XXXX XXXX  have yet to provide any documents such as lease or ID. i provided a police report which also says that i have no ties to anywhere even remotely close to XXXX Florida. By holding these entities accountable, you will not only safeguard the integrity of your credit reporting process but also protect innocent individuals from the detrimental effects of identity theft. 

Thank you for your attention to this matter and for your swift action in resolving it. I have confidence in the Consumer Financial Protection Bureau 's commitment to fair and accurate credit reporting. 

Please contact me if any additional information or documentation is required to assist in resolving this issue. Your understanding and cooperation are greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
I XXXX XXXX XXXX XXXX XXXX widow whom lost her 35 years marriage partner with covid in XXXX, whom been financially broken since the loss of my husband my life partner whom basically handled all of our finances for 35 years and our mortgage payments asking this lender ( Rushmore Loan Management ) to stop the sale on XX/XX/XXXX, I have submitted everything to them since last week, they keep telling me I need to wait for my specialist XXXX XXXX to review the documents for the last week and she been out since last week and no one in loss mitigation is helping me and I have given them everything needed and not needed and over for a week already and I have emails confirming receipts of my documents, please help me stop the sale. XXXX XXXX widow and have no other place to live please, they harassed during the whole process by asking me for documents not even needed for the modification such as tax returns for the contributor my nephew who isn't on title, but he helps me financially, we even send that too, they are terrible mortgage company, have no structure and no compassion. please help me it urgent to stop the sale of my home I was referred to you by XXXX from XXXX they also have a case open Cas # XXXX thank you and XXXX bless, my call back is XXXX. please save my home, This is the only one home left in my name since my husband XXXX now Rushmore has a sale date on my home this upcoming XX/XX/XXXX, Rushmore is conducting unethical lending practice in the state of California and this type of misconduct will lead to unnecessary legal actions that will only cost unnecessary costs to both parties. Rushmore needs to abide by the law and ethics of this practice if they want to continue service loans in the state of California period. I contacted XXXX today and they advised me there is many outstanding consumer complaints against Rushmore Loan management for the same type of concerns and lawsuits brought against Rushmore as well. I hope that I wont need to bring a lawsuit to save my home. Please am elderly and a widow and XXXX too so please revise the decision and offer me an affordable workout plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Io, Inc.
State: TX

Complaint narrative:
Account # ending in XXXX Receivables Management Systems is not license to collect in the state of Texas therefore according to 15 U.S. Code 1692c - ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Credit reporting, credit repair services, 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-22 00:00:00
Product: Credit reporting, credit repair services, 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: SC

Complaint narrative:
XXXX XXXX XXXX # XXXX 15 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Section 807 ( 10 ) prohibits the " use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. '' 3. False statement or implications. A debt collector may not falsely state or imply that a consumer is required to assign his wages to his creditor when he is not, that the debt collector has counseled the creditor to sue when he has not, that adverse credit information has been entered on the consumer 's credit record when it has not, that the entire amount is due when it is not, or that he can not accept partial payments when in fact he is authorized to accept them. 

FCRA 623 ( a ) ( 1 ) ( A ) reporting of information with actual knowledge of errors XXXX XXXX admitted that they do not purchase their debts.

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 2023-05-22 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: MO

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-22 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: MO

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Corporation
State: SC

Complaint narrative:
I never received any notification in regards to this debt from this company they do not have my correct mailing address therefore I was never notified of the debt before they placed it on my credit

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX and experian is in violation of the fair debt collection act they refuse to remove this collection account from my credit report when i asked XXXX for something bearing my signature that this account belongs to me they provided me a PDF account numbers were incorrect the statments they sent were contain errors in spelling my name looks like it was editted its to close together the r in for looks like this is a fake document.. i will not pay this account because they failed to verify with proof that this account belongs to me my social isnt anywhere on this document. nothing with my signature. this company is in violation of the fair debt collection act and i ask that this account be removed from my credit report because it is making it very hard to get approved for credit when they are reporting this inaccurate information on my credit report ( which is a violation of up to XXXX $ ) they refuse to provide anything bearing my signature and i ask you the CFPB to help me get this inaccurate information removed from 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