vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: OH

Complaint narrative:
Enhanced Recovery Company has place negative information on my credit reports claiming that I owe them {$780.00}. I have sent them a Validation letter request ( see attached ) via Certified USPS mail and have requested they send me the information I have requested. 

This company has hundreds of complaints online about its misuse and collection tactics. Under the fair debt collection act, this item has to be removed pending investigation, and if Enhanced Recovery does not comply with my validation letter this item must remain removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates
State: OH

Complaint narrative:
LJ Ross & Associates has placed negative information on my credit reports claiming that I owe them {$240.00}. I have sent them a Validation letter request ( see attached ) via Certified USPS mail and have requested they send me the information I have requested. This company has hundreds of complaints online about its misuse and collection tactics. Under the fair debt collection act, this item has to be removed pending investigation, and if LJ Ross & Associates does not comply with my validation letter this item must remain removed from my account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Sequium Asset Solutions, LLC
State: OH

Complaint narrative:
I cancelled service with XXXX XXXX XXXX XXXX XXXX. I paid my final bill to them on the account. I then got a {$40.00} bill for unreturned equipment on XX/XX/XXXX. I had returned the equipment on XX/XX/XXXX. I have a receipt for the return from the XXXX store. I called and informed XXXX of this and they said that the warehouse probably had not recorded the return yet. They said they would get back to me, but never did. I assumed they found the equipment had been returned and canceled the payment due. Instead, they must have turned the debt over to Sequium Asset Solutions for collection. 


On XX/XX/XXXX I got a collection letter from Sequium Asset Solutions , LLC demanding {$40.00} for a debt I can prove I do not owe. They threatened my credit rating. I called them and explained that I did not owe this debt and that I have proof the equipment had been returned. They said they would send the collection request back to XXXX XXXX XXXX XXXX XXXX for review. After verifying that this debt was not owed, I attempted to call XXXX, but the call ended when their automated system checked my account. 

I called XXXX XXXX XXXX / XXXX on XXXX/XXXX/XXXX and was told the equipment was returned and not only did I not owe money on the account, I had a credit owed to me of around {$8.00}. And yet, XXXX XXXX XXXX / XXXX obviously sent this " debt '' to a collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: MoneyLion Inc.
State: TX

Complaint narrative:
Company reported my loan Moneylion Credit Builder Plus loan XXXX, when 30 days delinquent when i have made payments on time and informed immediately about Covid-19 impact. Moneylion is practicing predatory lending practices ... i trusted them to use their credit builder loan to help me it is destroying my credit at a crucial time. I have made payments on time. Money Lion is causing irreparable harm to my XXXX  credit report by falsely and fraudulently reporting my loan as 30 days delinquent..When i have making payments on time! I have sent screenshots that show my loan is current. They are destroying my progress. I trusted Moneylion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: GA

Complaint narrative:
I got my credit pulled due to a bill I received in the mail. I have never heard from the place before. I suspected identity theft. When I looked at my report I was taken by surprise on a couple of derogatory items that I've never opened. These things listed on my applications a.re not mine. XXXX XXXXXXXX XXXX XXXX DEPTEDXXXX US DEPT ED, XXXX. I have contacted the FTC and my local police and I am doing this all alone. Please remove these unknown items from my report. US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I got my credit pulled due to a bill I received in the mail. I have never heard from the place before. I suspected identity theft. When I looked at my report I was taken by surprise on a couple of derogatory items that I've never opened. These things listed on my applications a.re not mine. XXXX XXXXXXXX XXXX XXXX  DEPTEDXXXX. US DEPT ED, XXXX. I have contacted the FTC and my local police and I am doing this all alone. Please remove these unknown items from my report. US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: National Credit Adjusters, LLC
State: WI

Complaint narrative:
Two collection accounts are reporting as 'Open '. The accounts should be reported as closed as of the last payment date. 

BOTH : National Credit Adjusters XXXX XXXX ( 12* ) : Last pay date XX/XX/XXXX, account balance {$0.00} XXXX  ( XXXX ) : Last pay date XX/XX/XXXX, account balance {$0.00} I have disputed this incorrect reporting with XXXX  on two different occasions : XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX Both disputes were closed as 'being reported correctly '.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Texas XXXX SSN : XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX Dear Experian XXXX XXXX, This letter is a formal request to remove unauthorized inquiries from my credit report. I havent applied for credit because I know my credit is not good due to false and wrong information on my report. I have also never had an account with you. 

XXXX XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Please note that before making this request, I sent letters to the organizations responsible for these inquires asking them to remove their unauthorized inquiries from my credit reports and to cease their illegal activity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond therefore, I ask for your assistance in resolving this matter. 
In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 
Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at ( XXXX ). 

Sincerely, XXXX XXXX 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 explanation
Consumer complaint received 2020-08-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Company reported my loan XXXX XXXX XXXX XXXX loan XXXX, when 30 days delinquent when i have made payments on time and informed immediately about Covid-19 impact. XXXX is practicing predatory lending practices ... i trusted them to use their credit builder loan to help me it is destroying my credit at a crucial time. I have made payments on time. XXXX XXXX is causing irreparable harm to my XXXX  credit report by falsely and fraudulently reporting my loan as 30 days delinquent..When i have making payments on time! I have sent screenshots that show my loan is current. They are destroying my progress. I trusted XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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.
State: TX

Complaint narrative:
Company reported my loan XXXX XXXX XXXX XXXX loan XXXX, when 30 days delinquent when i have made payments on time and informed immediately about Covid-19 impact. XXXX is practicing predatory lending practices ... i trusted them to use their credit builder loan to help me it is destroying my credit at a crucial time. I have made payments on time. XXXX XXXX is causing irreparable harm to my Experian credit report by falsely and fraudulently reporting my loan as 30 days delinquent..When i have making payments on time! I have sent screenshots that show my loan is current. They are destroying my progress. I trusted 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 explanation
Consumer complaint received 2020-08-20 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: MoneyLion Inc.
State: TX

Complaint narrative:
Company reported my loan Moneylion Credit Builder Plus loan XXXX, when 30 days delinquent when i have made payments on time and informed immediately about Covid-19 impact. Moneylion is practicing predatory lending practices ... i trusted them to use their credit builder loan to help me it is destroying my credit at a crucial time. I have made payments on time. Money Lion is  causing irreparable harm to my XXXX  credit report by falsely and fraudulently reporting my loan as 30 days delinquent..When i have making payments on time! I have sent screenshots that show my loan is current. They are destroying my progress. I trusted Moneylion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: NY

Complaint narrative:
I have been requesting verification of the debt from ERC for over 2 years. To this date I have yet to receive verification or any proof I owe this debt to them. They simply ignore my requests. This has affected my ability to get an apartment, find a job and has increased my car insurance in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
On XX/XX/XXXX, I decided to refinance my car. I paid {$680.00} to Credit Acceptance Corporation. This was the difference in the actual value of my XXXX XXXX XXXX and the l balance with the lender at the time, Credit Acceptance Corporation. My credit union paid off the remaining balance. The transaction was seamless. I refinanced my car and the first payment has been deducted from my checking account with my credit union. 

On XX/XX/XXXX, I decided to make sure my mortgage payment had processed. While checking my account, I noticed that {$390.00} had been deducted by Credit Acceptance Corporation. I called and spoke to a nice young lady named XXXX. I told her about my dilemma, explaining that I did not want my mortgage payment and several other charges to bounce due to their mistake. Although she was very sympathetic, she said that she would need documentation from me, that it could be a lengthy process, and that it would be quicker for me to contact my credit union to have them dispute it. She confirmed that my account was paid off and that the payment was deducted anyway. She was just doing her job, and I understand that. But it left me, as a consumer in the cold. 

By the grace of God, I did have a few extra dollars to keep my mortgage from returning unpaid. It is automatically deducted from my checking account each month. But what If I had no other resources? This should not happen to anyone. It shows negligence on behalf of Credit Acceptance Corporation. Now I have to wait 5-10 business days for the funds to be disputed and restored to my account through my credit union. I am grateful that I had the extra funds to make up for the shortfall, but now I do not have access to that money during a pandemic. That is not fair. 

Not only do I want my funds refunded, but I also would like a letter on CAC letterhead apologizing for their mistake and promising that they have taken steps to keep this from ever happening again. 

Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX processed my car refinance flawlessly. Their name should not be mentioned in anything published on line. This is strictly between me and CAC.

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 2020-08-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: KY

Complaint narrative:
I reached out to Quicken Loans for a Refi. In XXXX. The Loan officer said we will piggy back the Previous Loan. I said Great .To get to the XXXX, In XXXX I made my Monthly Payment to Quicken Loans for XXXX on or about the XXXX or so. Around the XXXX XXXX when I get my SS check. In XXXX I did the Same thing on the XXXX XXXX. I sent in another XXXX for the Month of XXXX., The Problem is I closed my Loan on XX/XX/XXXX and the new Loan doesn't take effect till XXXX XXXX .I have a Letter and Emails saying overages will be refunded after Closing with in two weeks. They are refusing to send my Overage back saying the Put it on the Closing of the Last Loan. If so I wasn't told and I feel they Stole my XXXX. I want my Money back. I am a XXXX Veteran and they should not be taking advantage of those of us unable to travel to Michigan to fight them. I have never been Late with a Payment to them and always on time. My penalty here is Paying these Crooks Early for a Loan that was closed out. My new Payment isnt due tol XXXX XXXX at the new Rate. They took so Long doing my Loan I had asked for The New Rate and they could only say It would cost me more to have it but could not and would not tell me How Much it would cost. So I lost Money by them refusing to give me the lowest Int. on my loan be cause of being Lazy and uneducated to do so .I am very upset with the Lame excuses I am getting and All their Phone calls are Taped and logged .They of course refuse to give them to me as I have called at Least three time asking for my Money returned and was told in two or three weeks. Someone has taken it and I need it back as anyone else would. This Prolonging and obstruction isnt doing me any good after just having XXXX XXXX. If you can help Thank you. If not please advise who I can contact for help. Thank you for your time. 
Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Kentucky XXXX XXXX C XXXX H This is Quicken Loans out of XXXX Michigan who is trying to defraud me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Chrysler Capital is reporting inaccurate late payments on my credit report. I had requested an extension on my payments, and have the documentation to proof so. I should not have lates reporting on my credit and I request that Chrysler report payments as agreed. I should not have any lates for XX/XX/2020 and XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Pendrick Capital Partners
State: CA

Complaint narrative:
AFFILIATE ASSET SOLUTIONS based in Georgia has been repeatedly calling me at XXXX XXXX almost every single day for weeks now if not longer. I live in XXXX but used to live in XXXX which is where I had XXXX and my medical debt is based. A number with a XXXX area code calls almost every morning at XXXX XXXX. I have filed a complaint previously but must have filled something out wrong because the company claims they can't find an account with my name, yet they call me every day from multiple numbers. All with XXXX numbers, but their response was that they are based in XXXX so it couldn't be them making the calls and I must be mistaking them with another company called Affiliate Asset Solutions debt collection. But I have done research and found on multiple websites dozens and dozens of complaints against this company, along with corresponding phone numbers they have called from and there are XXXX numbers listed. Also when I call the numbers back they go to a recording telling me the company is AFFILIATE ASSET SOLUTIONS DEBT COLLECTION. The calls need to stop. I lost my job due to the pandemic and I can't pay my medical debts right now so they're really just wasting their time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: Harley Davidson Financial Services Inc
State: GA

Complaint narrative:
HD Credit is reporting an erroneous debt on my credit file that I do not owe. This debt was paid by my insurance. I received confirmation that the debt was paid. This should NOT be a charge off. I do know owe this debt and I am requesting that this report to show the paid and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
A deposit was made to account XXXX on XX/XX/XXXX. The next day I withdrew money. On XX/XX/XXXX TCF decided that this was a fraudulent transaction and started an investigation and closed this accoiunt. About {$1700.00} was in the acciunt before it was closed and they deposited 2 social security checks after account was closed. I was told investigations can be ongoing for 3 months. I have sent 3 letters, one of them was a requested notarized signature and have gotten no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Netspend Corporation
State: OH

Complaint narrative:
I received an unsolicited Brink 's Money Prepaid Mastercard in the mail with instructions to call and activate now. I did not order this nor did I give permission for my information to be used to issue this card. I called the Ohio Attorney General 's Office and spoke to a representative reporting this, then I contacted and received my Annual Credit Report from XXXX, then I called the number on the card several times until I was able to speak to a representative. The first several calls asked for my card number and social security number before I could speak to someone. I finally waited without speaking until I got an agent. I cancelled the card, explained to them who I had complained to and to remove my personal information from their information bank as well as cancelling any card or account in my name. The operator said this was just an advertisement to get their information to consumers and I could cancel and conceal my information. I did so and then sent this message to the CFPB. I will gladly send any other complaints to any other agencies about this deceptive practice.

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 2020-08-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation