vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
In XXXX of XXXX I financed a XXXX XXXX XXXX through Exeter Finance. 3 years later and much research i have found that was the biggest mistake I ever made. Back when Covid hit in XXXX closing down things and money became tight ; I reached out to them to refinance my loan as a lower rate due to i had been making payments timely. They denied me and told me they do not refinance. The orginal loan amount was XXXX and as of today the value is XXXX but to pay off is XXXX. My bank has made to attempts to pull me out of this loan but for the vehicle is not worth what they say I owe as well as the refuse to send me itemized proof of how my payments are being paid. The last straw was when I found out they have been harassing my children. XX/XX/XXXX My XXXX old was at work and received a call on her cell phone and was completely thrown calling me at work. Mind you i had just spoken with company on 2 days ago on XX/XX/XXXX about trying to receive information on how my payments are being applied. I have been asking since XXXX with know luck. My oldest daughter of XXXX then informs me, moma these are the same people whom have been calling me so much i had to block their number but then they started calling from another number. My kids numbers have never been released to them nor were they placed on my contact list at the time of purchase they were minors at the time as well as I don't use my children 's information on loans. I called them immediately and they back trailed and accused me of calling from my children phone and they saved the number at which time I told her my daughters have XXXX phones which I don't know how to use. I have an android not to mention I have never used my children 's phone to ever reach out to them because I have my own cell phone as well as my house phone which is what I use. These people have been sued for unfair loan practices just a couple of years ago and they continue to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: KY

Complaint narrative:
On XXXX the XXXX XXXX  I reached out to the company to receive my account number or any information of the debt as I had notice it on my credit report. I did not receive any notice in the form of a letter, email, or call up till this point. They did not respond to my email. 
On XX/XX/2022 I received my first email from them in regards to the debt owed. It did not prove the debt was mine just gave the account number, the amount with interest owed and my previous address. 
On XX/XX/2022 I emailed them and asked for a valuation of debt. I also asked for the following documents : Name plus address of original creditor, that account number and how much was owed, Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay, If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay, and finally I asked for The amount and age of the debt including : A copy of the last billing statement sent to me by the original creditor State the amount of the debt when you obtained it, and when it was. Also written in this email I asked to stop being contacted through email, letter, text, and call. This email was ignored by the company. 
On XX/XX/2022 they sent another email exactly like the first expect it had more interest due. 
On XX/XX/2022 they sent out an email stating I owed more interest. In the same format as their other two emails.

They sent the same email three more times on XX/XX/XXXX, XX/XX/XXXX and XX/XX/2022 each with the interest due getting higher. 
On XX/XX/2022 I sent out the same email as I had sent before this time getting a response. They claimed to have sent it three times ( meaning the times mentioned above which do not provide the documents I asked for ). She also ended this emailed with a settlement was being offered as a courtesy and she would no longer open/address any further emails. I sent another email stating I have not received the documents and they never wrote back. They have continued to email, call, and text my phone after I have sent a letter twice stating I no longer want to be contacted about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
account was paid off XXXXmy credit report shows a balance of {$720.00} which I never owed spoke with XXXX supervisor at XXXX ( business name ) XXXX and he said there was NOTHING HE COULD DO he agreed the account was paid off XXXX balance

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 2022-06-16 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # 's XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, Inquires XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XX/XX/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

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 2022-06-16 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # 's 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: KS

Complaint narrative:
In accordance with the fair credit reporting act, the XXXX  has violated my rights 15usc 1681 section 602h, my right to privacy along with 15usc 1681 section 604a section 2, publishing my information without written consent. The following accounts are collections XXXX dollars, acct number XXXX XX/XX/XXXX, which has been paid and never removed. The next two collections are each XXXX dollars, account ending in XXXX and XXXX, these have also been resolved and not removed. The last account is XXXX XXXX XXXX  acct # XXXX of XX/XX/XXXX, which is resolved, closed, and almost XXXX XXXX XXXX, the above 3 medical accounts even if they were not resolved, they are all below XXXX.

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 2022-06-16 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, account # XXXX, has violated my rights. 15 U.S.C 1681 section 602A states that I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an 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 2022-06-16 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: FL

Complaint narrative:
I WAS VICTIM OF IDENTITY THEFT, I HAD AN ACCIDENT, SOMEONE ROB MY CAR AND STOLE WALLET, IN MY WALLET I HAD A LOT OF PERSONAL INFORMATION, SINCE THEN I START GETTING DIFFERENT ACCOUNTS, WHICH ARE NOT MINE. I RECEIVED COPY OF CRDIT REPORT, AND I GOT ACCOUNT WHICH I HAVE NEVER APPLIED FOR.

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 2022-06-16 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: FL

Complaint narrative:
I WAS VICTIM OF IDENTITY THEFT, I HAD AN ACCIDENT, SOMEONE ROB MY CAR AND STOLE WALLET, IN MY WALLET I HAD A LOT OF PERSONAL INFORMATION, SINCE THEN I START GETTING DIFFERENT ACCOUNTS, WHICH ARE NOT MINE. I RECEIVED COPY OF CRDIT REPORT, AND I GOT ACCOUNT WHICH I HAVE NEVER APPLIED FOR.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-16 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to XXXX XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-06-16 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX Account Number : 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 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 

The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy and privacy of information in the files of the nations credit reporting companies.

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 2022-06-16 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX Account Number : 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 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy and privacy of information in the files of the nations credit reporting companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: TX

Complaint narrative:
Hello, I sent a letter off on XX/XX/202 to remove personal information that I do not want on my credit report. My tracking numbers are XXXX, XXXX, and XXXX. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not supposed to share my information with third-party companies. These are clear violations of my federally protected consumer 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 non-monetary relief
Consumer complaint received 2022-06-16 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: TX

Complaint narrative:
Hello, I sent a letter off on XX/XX/202 to remove personal information that I do not want on my credit report. My tracking numbers are XXXX, XXXX, and XXXX. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not supposed to share my information with third-party companies. These are clear violations of my federally protected consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
account was paid off XXXX.my credit report shows a balance of {$720.00} which I never owed spoke with XXXX supervisor at acima ( business name ) XXXX and he said there was NOTHING HE COULD DO he agreed the account was paid off XXXX balance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
In an effort to acquire a home loan, I was attempting to pay off all collection accounts on my credit report. I contacted Columbia/Genesis Recovery to make an honest effort to pay this off. I told " XXXX '' that I was very willing to pay this debt and wanted to pay them {$200.00} to {$300.00} per month. 
He told me he could take some of the interest off but he needed the balance in full today. 
I also asked him if I paid the payments would it show on my credit report that I am making timely payments, he said it wouldn't show on my credit report until it was paid in full. 
He again refused to take my payments. 
Today I received a call from a " document delivery '' service from the same phone #, this was obviously an attempt to serve me papers for this account. I am at a loss as to what I can do and feel that it is unfair and unethical for them not to take my payments when offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : - XXXX XXXX XXXX XXXX XX/XX/2021 ; ( Inquiry ) - XXXX, XXXX ; ( Inquiry ) - XXXX XXXX XXXX XX/XX/2021 ; ( Inquiry ) - XXXX XXXX  XXXX, XX/XX/2021 ; ( Inquiry ) - XXXX XXXX XXXX XXXX, XX/XX/2021 ; ( Inquiry ) - XXXX XXXX  XX/XX/2021 ; ( Inquiry ) - XXXXXXXX XXXX XXXXXX/XX/2021 ; ( Inquiry ) - XXXX XXXXXX/XX/2021 ; ( Inquiry ) XXXX XXXX XXXX  XX/XX/2021 ; ( Inquiry ) - XXXX XXXX XXXXXX/XX/2021 XXXX ( Inquiry ) XXXX XXXX XXXXXX/XX/XXXX ; ( Inquiry ) - XXXX XXXXXX/XX/2021 ; ( Inquiry ) - XXXX, XX/XX/2021 ; ( XXXX ) - XXXX XXXXXX/XX/2021 ; ( Inquiry ) - XXXX XXXX, XX/XX/2021 ; XXXX Inquiry XXXX XXXX XXXX XXXXXX/XX/2021 ; ( Inquiry ) - XXXX XXXX XXXXXX/XX/2021 ; ( Inquiry ) - XXXX XXXX XXXX, XX/XX/2021 ; ( Inquiry ) - XXXX XXXX XXXX XXXX XXXXXX/XX/2021 ; ( Inquiry ) - XXXX, Account # XXXX ; {$2800.00} ( XXXX ) - XXXX Bank, Account # XXXX ; {$3000.00} ( XXXX ) XXXX XXXX Bank, Account # XXXX ; {$3500.00} ( Transferred ) - XXXX Bank XXXX Account # XXXX ; {$4500.00} ( Transferred ) - XXXX XXXX ( not my XXXX XXXX - XXXX XXXX XXXX ( XXXX XXXX ) ( NOT MY ADDRESS XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) ( NOT MY ADDRESS ) 15 U.S.C. 1681 section 602A states that I have a right to privacy.

15 U.S.C. 1681 section 604A section 2 also states that a consumer reporting agency can not furnish an account without written instructions.

Please remove from my 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