vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BILL.COM, LLC
State: AZ

Complaint narrative:
I use XXXX to process payment for invoices I send out as a self-employed XXXX. I have been using them for years. Twice in the last XXXX  years, they have changed my account to an instant transfer from a free account and charged a 1 % fee on my transfer. 

They claim that I logged in in XXXX to switch to this type of payment option but I have XXXX payments ( XXXX, XXXX, and XXXX ) that were not on Instant Transfer and incurred no fee. However, in XXXX, they charged me the fee and told me that I had selected this option. 

This is technically impossible if I had changed the account in XXXX to have processed XXXX payments that incurred no fee. 

In addition, there is no email notification that the account had changed or a disclosure that a fee would be charged. They withheld the amount from my payment despite them advertising that XXXX transfers were free.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance 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 15 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 2024-04-08 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance 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 15 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 2024-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: National Credit Systems,Inc.
State: NY

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. 
NATIONAL CREDIT SYSTEM has violated my rights. 
15 USC 1681 Section 602 A. States I have the right to privacy.

15 usc 1681 S-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.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681 c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the followingitems of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

please delete this account thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Orions Management Group, LLC
State: PA

Complaint narrative:
HELLO In regards to this debt collector by law 15 U.S Code 1692c ( c ) -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. I have spoken to the debt collector told them to stop contacting me and they still try by reporting to my credit report which in fact is still a form of commutation to me i ask for the CFPB to notify the debt collector to stop trying make attempts to reach out to me by mail, my consumer report or by telephone please and remove debt from my report by law stated above 15 U.S CODE 1692

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Aspen Yo LLC
State: NH

Complaint narrative:
Erroneously paid property taxes that they hold no mortgage on Acknowledged that they should only pay taxes on XXXX parcel Unwilling to follow recommendations made by the XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 
Offered a loan reinstatement that is financially impossible to perform Unrealistic tax escrow

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
This is an addendum to my complaint about portfolio recovery. 

I called XXXX  XXXX directly to get information to make sure I was thinking of the correct XXXX XXXX XXXX account. XXXX  XXXX verified the account was closed in XXXX and was charged off and sold to portfolio recovery in XXXX. 

In XXXX after 7 years of ceaseless phone calls from portfolio recovery I spoke to a man who told me they would basically hunt me down to get their money. I told him I was not interested in doing business with them and he further threatened me and even though I asked him to take me off their list they continued to call every few days. 

The woman I spoke to today verified that the notes said I was not interested in talking to them and it went back to XXXX yet they kept calling. 

It is now XXXX  years since the account was closed. XXXX  years since XXXX  XXXX sold it and that equals XXXX phone calls at a XXXX  weekly rate. AFTER ASKING MULTIPLE TIMES TO BE REMOVED. 

According to experian it has not been on my credit report since XXXX. Yet portfolio recovery threatened me, claimed they would sue me and go to the ends of the earth to get whatever money they wanted from me. 

At this point I want money from them and honestly I want them to give it willingly as they would have me do. Anything less is not acceptable. 

If I need to get a lawyer to sue them I will. This has waisted my time in unspeakable ways and I want reparations to the limit. 

They called over XXXX times in the past XXXX  years. Over a debt thats not on my credit report yet they claimed it was.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( S ). Block and Remove

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 2024-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ONLINE Information Services, Inc.
State: NY

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.

ONLINE INFORMATION SERVICE has violated my rights.

15 USC 1681 Section 602 A. States I have the right to privacy.

15 usc 1681 S-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.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681 c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the followingitems of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

please delete this account thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove 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 non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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: NY

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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2024-04-08 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: NY

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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2024-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
On XX/XX/XXXX a lawsuit was filed in XXXX XXXX small claims court for a XXXX XXXX XXXX account. Case Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX, XXXX. Instead of going to court I elected to take the matter to arbitration with XXXX  as allowed in the credit card agreement. On XX/XX/XXXX the XXXX stayed the case pending the outcome of arbitration. There were no objections so the XXXX adopted the decision as the final order on XX/XX/XXXX. 

I filed for arbitration with XXXX in XX/XX/XXXX. XXXX XXXX never responded to the demand for arbitration and XXXX closed the case on XX/XX/XXXX. 

I have not heard anything about this since the XXXX case was closed until this week. I applied for a loan on my house. The property report came back showing a judgment owed to XXXX XXXX. There was never a judgment in the case and should not be one showing as owed! 

I confirmed with the XXXX XXXX XXXX of Courts that there is no active judgment for that case and the case is indeed closed. 

I could not find any information on the company XXXX XXXX XXXX XXXX XXXX XXXX. XXXX led me to an address which came back to a phone number XXXX. That number was for a company named XXXX XXXX. I spoke to someone there who acknowledged they did work with XXXX XXXX in the past. He did not have any information on the account except that it was transferred to Resurgent Capital Services. I called Resurgent and the lady was able to locate the account. The account is showing in their system as a closed account as of XX/XX/XXXX. They do have a department that works with judgements/liens but they wouldn't talk directly to me so the lady had to 'escalate ' the issue to that department and said I should call back every few days to check on the status. 

There should be no judgement  or XXXX in place for this and I can not find answers to get it removed. At this point I will not be able to secure the refinancing because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required 21-day notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor. 

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
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.

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 2024-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Since XX/XX/year> I have had fraudulent charges on my credit card. Starting XXXX there were monthly charges from XXXX a company with whom I have not done business with and the charges were reoccurring on a monthly basis. I alerted capital one about it starting XXXX and they refunded the money cancelled the card and issued a new card. In XXXX the charge appeared again on the new credit card which I had not even activated. When I called capital one and alerted them about my concern they again refunded the money I was told by capital one that the credit card companies like XXXX, XXXX, XXXX report to companies the new credit card numbers. I said this is the craziest thing that I have heard and if that is true why would you tell me to update the card on any sites I had the card inputted for reoccurring charges. Again, the card was cancelled and a new one issued. Come XXXX here again is pending charges again on a credit card that is not activated and I call capital one who finally put a block on this company. This company and the fraud is resolved as of today but now a new fraud is appearing on a different card associated with my account. I shop at XXXX XXXX and charged the amount of {$360.00} On XX/XX/XXXX and I now see that capital one shows a reoccurring monthly charge to occur for the same amount starting XX/XX/XXXX. I called XXXX XXXX whom of course said they do not have any programs that charge on a reoccurring monthly program. I called capital one and they said to wait for the charge to drop and then dispute it. I told them that at this point I believe there is fraud with in the company. I truly believe that capital one has something fraudulent happening internally and when I said this the representative did not take me seriously. I know for a fact that this new monthly reoccurring charge is not a problem on the XXXX XXXX side it is the credit card company. I hope this email is taken seriously and looked into because if this is happening to me I know it is happening to countless other people.

Company response to consumer: Closed with explanation