vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I received several phone calls from Phoenix Financial Services claiming that I had an outstanding debt from XXXX XXXX XXXX in XXXX XXXX. The stated service was provided to me on XX/XX/year>. While I do believe that I visited this medical provider during the stated time, I never received a bill from any entity regarding the visit. Furthermore, I was in the XXXX at the time and had medical coverage through XXXX. I have had this company call me several times attempting to collect a debt for a service that was provided several years ago and was seemingly resolved or covered through XXXX. Phoenix Financial did not provide any proof of the debt, nor did they advise me of my right to refute or dispute the claim. They only continued to pressure me to pay the debt over the phone. This looks and smells like fraud. They mentioned that if I paid it, they wouldn't have to report it to the credit bureaus. This seems like a strong arm tactic, and a way to leverage a possible negative outcome to coerce individuals to pay a questionable, or non-existent debt. Please let me know what steps I need to take to prevent this " company '' from calling in the future or doing the same to other honest hardworking Americans. Thank you for any guidance/assistance you may provide regarding this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 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: CBC Companies, Inc.
State: FL

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: RI

Complaint narrative:
PNC had excessive late fees on the credit card for multiple months. Their customer service team was not very helpful and continually created unnecessary barriers to getting it resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-07-01 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
I am disputing this because the creditor did not provide me with a Form 1099-C ( Cancellation of Debt ). According to IRS regulations, creditors are required to issue a 1099-C when they discharge {$600.00} or more of a debtors obligation to repay. The lack of a 1099-C suggests that the debt may not have been legally canceled, and therefore, the charge-off should not be reported on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: DE

Complaint narrative:
Letter received from National Credit Adjusters : XX/XX/year> Consumer : XXXX R XXXX Original Creditor : XXXX Current Creditor : National Credit Adjusters , LLC Account # : XXXX XXXX Acct # : XXXX Balance {$1600.00} This account DOESNT belong to me NCA failed to present documents to prove debt was taking out by me with my wet signature

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: MD

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

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 2024-07-01 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: MD

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This is not a mistake. I am genuinely terrified, frustrated and confused about how badly these accounts on my credit report has turned out. Do you have any idea how much stress this caused me? Knowing that these accounts were not to a XXXX percent accurately reported in my credit, and nothing has been worked on because I am being ignored.

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 2024-07-01 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: VA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from anxiety because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. Please let me know if you need any other information from me to block this information 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 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Back in XX/XX/XXXXXXXX  2019 I was a victim of XXXX XXXX, there were several bank accounts opened, credit cards and loans applied for without my consent. I was unaware of this until 2021 when I went to apply for a Navy Federal Bank Account and was instructed to contact early warning services. The Bank Account that was fraudulently opened was XXXX, XXXX Navy federal also XXXX I have personally disputed this account with regions and was told that the account was created online and there was nothing further that they could do as the account was closed with a fraud alert attached. Since then I have been trying to have this account removed as I did not open the account and XXXX  have no valid proof that I opened the account online. i have attached the original XXXX XXXX submission confirmation along with a new XXXX XXXX  submission

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
the company is saying i had a late payment in XXXX  but hasnt shown me any proof that that month was not paid before the XXXX  days

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
We updated our payment amount and frequency to bi-weekly in XXXX of XXXX. We increased our payment amount so that we could pay off our mortgage more quickly. 

Truist made XXXX withdrawls of the requested amount toward our mortgage payment between XXXX and XXXX. 

In XXXX, Truist adjusted the amount of our bi-weekly payment to lower than the amount we specified without notifying us, effectively charging us more interest between XXXX and XX/XX/XXXX. 

We called a representative in XX/XX/XXXX to inquire about this change and the amount being withdrawn. She confirmed that our account DID reflect a pending charge in the amount that we specified, not the lower amount. However, when it was actually withdrawn from our account, they took the lower amount. 

In XX/XX/XXXX, we called again to make an adjustment. We were told that we would need to fill out an additional form, which we promptly did and returned to the representative. We never received confirmation or any reply whatsoever. The next payment was processed again for a lower amount than we requested. 

In XX/XX/XXXX, we received a copy of the same paperwork ( blank ) in the mail. While other systems for the bank are online, this paperwork requires us to fill out and mail it back to the bank, along with a cancelled check. In the meantime, our XXXX payment was processed again, for the lower amount. 

Truist Bank is making it incredibly burdensome and difficult for us to pay off our mortgage more quickly - their online systems and customer service seems designed to prevent us from entering into a biweekly payment plan.

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 2024-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
NCA Has been fraudulently, trying to collect a debt that I do not own, and that they do not own!! Nor will they remove the debt from my account nor are they the original creditors of the debt yet they have changed their selves to the original creditors on my credit report!! There has been several other disputes, even showing that they are not the original credit and they still remove Refuse to remove themselves off of my XXXX account!! Also, the debt that they are trying to collect is from first financial, who have already posted a debt on my Consumer report. NCA is also trying to collect the same debt as first financial the orginal creditor. and pass it off as a debt from bank of pasco.. Upon speaking to bank of pasco they have no reccolect of the debt.. They are posting double creditors for the same debt. 
Upon speaking the first financial, they said they sold the accountant that they did not post on my credit!! NCA HAS FRAUDENTLY TAKEN OVER MY CREDIT!! they have also already removed themselves from my XXXX in my experience, but refusing to remove themselves off of my XXXX account, causing me great problems posting accuracies derogatory remarks and FCRA on my consumer report!! I am asking that they will be removed off of my account at once!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SN SERVICING CORPORATION
State: FL

Complaint narrative:
I need your company to carefully review my mortgage statements for XXXX through XX/XX/year>. 

Statements XX/XX/year> balance {$73000.00} due date XX/XX/year> {$430.00} Unapplied balance {$56.00} XX/XX/year> balance {$73000.00} due date XX/XX/year> {$430.00} unapplied balance {$220.00} XX/XX/year> balance {$73000.00} due date XX/XX/year> {$430.00} unapplied balance {$350.00} NONE FOR XXXX XX/XX/year> BALANCE {$74000.00} DUE DATE XX/XX/year> {$430.00} UNAPPLIED BALANCE $ {$2900.00} I would like an explanation why in XXXX the due date is XX/XX/year> with a balance of {$73000.00} and the current statement XX/XX/year> has a due date of XXXX 2024 with a balance of {$74000.00} Basically going backwards from due date of XX/XX/year> to XX/XX/year> and yet with unapplied amount of {$2900.00}, my account needs to be audited, reviewed and corrected, I hope to hear from you soon before I file a complaint with Florida XXXX Regulations. 

I add my Attorney to the email Sent from my XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XX/XX/year> ( XXXX XXXX ) and on XX/XX/year> I was told by phone by equifax credit staff that I had to mail in a copy of my SS card and XXXX to them to validate my credit report. 

I was told that they can only request it over the phone and can not send the request for the documents via email or to my physical address. 

Please have Equifax request the documents in writing or via email as all of this information is provided here and has been provided to Equifax. 

XXXX and XXXX are correct with no issues. 

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am XXXX XXXX, submitting this complaint independently without any third-party involvement. Attached are letters detailing the discrepancies in my credit report. The XXXX bureaus, TransUnion, XXXX, and XXXX, have reported inconsistent and untimely information.

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 2024-07-01 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: NC

Complaint narrative:
I am XXXX XXXX, submitting this complaint independently without any third-party involvement. Attached are letters detailing the discrepancies in my credit report. The XXXX bureaus, XXXX, Experian, and XXXX, have reported inconsistent and untimely information.

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