vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Credit International Corporation
State: WA

Complaint narrative:
On XX/XX/XXXX I received a certified letter in the mail from Credit International Corp stating that a judgement was put in place to begin wage garnishment for a 9 year old debt I did not know existed. 

In XXXX a court hearing was scheduled for a matter I believed the plaintiff and I had settled out of court. Unbeknownst to me, the plaintiff pursued the legal matter without my knowledge. In 9 years I was never notified of the judgement against me.

Until I received the letter on XX/XX/XXXX, this agency ( who confirmed has had this debt since XXXX ) has not sent me a single letter or attempted to contact me in any way. I have sent proof that I was led to believe the matter was settled out of court with no response. On XX/XX/XXXX, my wife called the company and spoke with an agent and explained that I was never notified of the debt and wanted to stop the wage garnishment. She was told that the garnishment can not be stopped once it is in motion, and was told that since they were contracted to collect the debt only one attempt was made to notify me of the debt via a letter sent to my parents house.

I have had the same phone number for nearly 15 years. My parents do have a valid address for me, but they did not ever receive any correspondence for me. I feel more than one attempt in 7 years should me made and that I should have been properly notified of the judgement from the beginning 9 years ago when I have believed this entire time the matter had been privately settled.

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 2023-05-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
XX/XX/2022 I made a membership with XXXX, Ibwas told they had a promotion that was ending that day, if I signed up. My membership would be XXXX dollars. Fast forward a two months later. I reached out via phone asking for a cancellation. I had a herniated disc that got worse, so I was not able to step in the location. They told me to send a email to coorperate. Which I did. Never received a response. 2 months later. I received a later saying I had a balance of {$350.00}. Which didnt make sense. Because my membership was {$10.00} a month. Not a lot of time had passed. Fast forward. I reached out once the balance hitbmy credit. I was told XXXX sold their company and there was nothing they can do. 

Atleast take responsibility. Or fix the balance that I owe. They told me my acc was a {$25.00} acc. Which was inaccurate. XXXX created problems for me and left the problems to a Nw company. I m not the first because I read a few reviews on XXXX. Please look into this, the ammount is not accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Omega RMS, LLC
State: IN

Complaint narrative:
OMEGA Investment company Showing a Balance of {$290.00} I don't have any investment transactions at all! 
Never heard of this account. It just recently appeared on my credit report not sure why Not mines! 

Action : Please remove from my credit reporting ( all 3 reports please ) Thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States. Have the right to privacy 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Fraudulent activity on my consumer 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 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: 950 Credit Inc
State: MI

Complaint narrative:
XXXX XXXX Account : Credit Rent Boost ( CR RENTBOOST ) ACT # XXXX We are under land contract and the lady that we bought our home from has falsely listed my information under a credit rent reporting program. 
We are not landlord tenant. 
I am under a land contract so this information is being falsely reported as we do not pay " rent '' This lady has already started a forfeiture process and signed us up with this program after the fact to affect our credit.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc.
State: KY

Complaint narrative:
Paragon Revenue Group is trying to collect {$5500.00} from me. This was from XXXX XXXX XXXX XXXXXXXX in XXXX KY back in XXXX. This was a workers compensation case. They were 100 % liable. They said they didn't get the info. I took them the information probably 4 times, even had our HR at work send it too them. At the time of treatment I even had XXXX XXXX health insurance. Either would have paid for this and they refuse to bill them. I even told them to bill my health insurance and I would pay the deductible and they still won't. I mean I don't know what else to do. I pay for insurance for a reason. And my employer pays workers compensation for a reason. Every other bill was taken care of by the workers compensation and zero issues but XXXX XXXX XXXX just won't do their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
On XXXX, my car was hit by another vehicle. On XXXX, my insurance company XXXX XXXX ( where I carry a complete insurance policy ) deemed my vehicle a total loss ( claim # XXXX ). I have an auto loan through TD Auto Finance, Loan Account # : XXXX. I accepted XXXX XXXX 's offer, which left me with a {$2000.00} gap I will owe which is fine. I did not have gap ins. The problem is that despite many requests, TD Auto Finance has not sent XXXX  the XXXX a letter of guarantee. It has been almost 90 days since this accident. TD 's lack of response presents me with an incredible hardship, as I am unable to pursue a replacement vehicle until they have accepted XXXX XXXX 's payment. See below for an email thread with my ins agent : HI XXXX, I got in contact with the Total Loss department, who is handling this claim now, and they advised that they are waiting on TD Bank to send a Letter of Guarantee. Once that is received, XXXX XXXX can send payment. The letter can be emailed to XXXX with the claim number referenced in the subject line. Your claim number is XXXX. 
The Total Loss Claims department can be reached at XXXX XXXX if you need further clarity on this. 
I hope this helps! 
Kind Regards, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Fax XXXX See below for one of my several communications to TD Auto Finance. I have called them XXXX times, as well. 

XXXX : Dear XXXX, Thank you for reaching out to TD Auto Finance about your loss. Were sorry to hear about your vehicle and, more importantly, we hope everyone is okay. Please understand you are responsible for payments until the balance is paid in full, in accordance with your contract. If you have any other questions or need further help, please let us know. Thank you for being a valued TD Auto Finance customer. Sincerely, XXXX XXXX Problem Resolution Specialist TD Auto Finance TD Auto Finance is a division of TD Bank , N.A . The TD Logo and other trademarks are the property of the Toronto-Dominion Bank or its subsidiaries. 
ORIGINAL MESSAGE XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Subject *Account document or form requestXXXX XXXX is ready to mail you a check but have been waiting quite some time for you to return the lienholder form. This accident occurred 2 months ago. Please promptly send this form to XXXX XXXX this week, so that I may move on with my life. 

Thank you in advance for your assistance! I am really simply asking TD Auto Finance send XXXX XXXX a letter of guarantee. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
I pay my webmaster once a month using Western Union online. Their website malfunctioned yesterday. When I submitted the transaction, I didn't receive a success window or a confirmation email and the transaction didn't show completed in my WU account. So, I tried again and the same thing happened. I tried a 3rd time and the transaction showed up. I immediately called to notify them of what happened with their site. They said that three transactions went through. SUPPOSEDLY, they cancelled one of the 3, but the 2nd one, they said, couldn't be stopped. They said I should ask the receiver 's bank to refund me. This is the most ridiculous thing I have ever encountered. Their site fails and they don't reverse the duplicate charges that were the result of their error!

I was told by a WU agent that this is the duplicate XXXX no that went through : XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: NC

Complaint narrative:
XXXX, XXXX amount {$15000.00} Letter to remove inaccurate credit information. Sent to all 3 credit agencys. Need XXXX to remove. Hunter Warfiled Inc XXXXXXXX XXXX XXXX XXXX XXXX FL

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX Account : Credit Rent Boost ( XXXX XXXX ) ACT # XXXX We are under land contract and the lady that we bought our home from has falsely listed my information under a credit rent reporting program. 
We are not landlord tenant. 
I am under a land contract so this information is being falsely reported as we do not pay " rent '' This lady has already started a forfeiture process and signed us up with this program after the fact to affect our credit.

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 2023-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
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 XXXX  is reporting that because my card was in my possession, these charges were authorized and can not be reimbursed.

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 monetary relief
Consumer complaint received 2023-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Corporation of America
State: FL

Complaint narrative:
I received a notification to pay medical debt owed that is not mine. My husband received a similar letter XXXX weeks ago that he filed a complaint about. We have private insurance, the company is Financial Corporation of America for {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: AL

Complaint narrative:
I contacted XXXX about an account that was opened without my knowledge. I even supplied information where I was incarcerated from XX/XX/XXXX until XXXX XXXX in federal prison. The company closed the account but I see that the account is still reporting on my credit profile. I want the account removed from my account. The account appears to still be reporting despite my claims- I take that whoever opened the account in my name is still making payments or making purchases in my name. Please remove account completely. This is identity theft and its absurd the company still reports this account. It goes against my Fair Credit Reporting Act.

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 2023-05-03 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: AL

Complaint narrative:
I contacted XXXX about an account that was opened without my knowledge. I even supplied information where I was incarcerated from XX/XX/XXXX until XX/XX/XXXX in federal prison. The company closed the account but I see that the account is still reporting on my credit profile. I want the account removed from my account. The account appears to still be reporting despite my claims- I take that whoever opened the account in my name is still making payments or making purchases in my name. Please remove account completely. This is identity theft and its absurd the company still reports this account. It goes against my Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Under the Fair reporting Act my rights have been violated in disclosure of debt and acurrateness provided by furnishes Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These debts are violating my rights

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 2023-05-03 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: OH

Complaint narrative:
I a victim of identity theft. An identity thief used my personal information without my permission to make the following charges : XXXX XXXX XXXX {$570.00}

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 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.

Complaint narrative:
It is Experians duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. Experian is reporting one inaccurate late payments for the XXXX XXXX account, which does not have an account numbers to reference to. It is a 60 day late payment posted in XX/XX/2018. This is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( I ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in Experian violating my federally protected consumer rights. To add to this I did NOT give Experian written instruction/permission to furnish these in accurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ) it is clear that Experian has violated my federally protected consumer rights under the FCRA, and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

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 2023-05-03 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: AL

Complaint narrative:
I contacted XXXX about an account that was opened without my knowledge. I even supplied information where I was incarcerated from XXXX XXXX  until XX/XX/XXXX in federal prison. The company closed the account but I see that the account is still reporting on my credit profile. I want the account removed from my account. The account appears to still be reporting despite my claims- I take that whoever opened the account in my name is still making payments or making purchases in my name. Please remove account completely. This is identity theft and its absurd the company still reports this account. It goes against my Fair Credit Reporting Act.

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 2023-05-03 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I cant remember when I started noticing all these inquires on my account but when I did, I took action immediately by contacting each company asking them to remove these inquires because it wasnt me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Complaint XXXX Has taken more than 60 days therefore accounts it must be deleted. 

accordance with the Fair Credit Reporting act XXXX XXXX  Auto Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX has violated my rights. 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. 

all wrong address must be deleted.

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 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experians investigation has not resolved an issue where my XXXX XXXX XXXX account continues to show payments past due for XXXX and XX/XX/2023. XXXX granted a 2 month extension to my loan and shows on the credit report that no payment was due for XXXX and XXXX, but the report continues to show a status of 30 days late for those months. I have sent in the document providing that those two months were waived, however no one has removed the late status in that payment history. All of the other history for those two months aare correct as it shows no payment due and also no payment made. It should be clear that it should not show payment late if no payment was due. Please help.

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 2023-05-03 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: PA

Complaint narrative:
I m a victim of identity theft trying to get my credit report back where it was

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 2023-05-03 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: AL

Complaint narrative:
Under the Fair reporting Act my rights have been violated in disclosure of debt and acurrateness provided by furnishes Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These debts are violating my rights

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