vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
Delete this account since you can't demonstrate that it belongs to me, despite the fact that you're reporting it without any supporting evidence. Please give proof that my rights have not been violated and that this account should be shown on my credit record. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Mercedes Benz Financial Services
State: MI

Complaint narrative:
Subject : Complaint Regarding Unlawful Repossession Practices Dear FTC, et al, I am writing to formally lodge a complaint regarding the conduct of a third-party collection agent acting on behalf of Mercedes Benz Financial Services XXXX On XX/XX/XXXX, at XXXX XXXX, I received a phone call from a person identifying herself as " XXXX, a representative from Mercedes Benz Financial, '' on my mobile phone number XXXX. 

During the call, XXXX obtained very personal information from me and made several threats regarding the repossession of my vehicle, a XXXX XXXX XXXX XXXX. After acquiring this information, she provided her callback information as XXXX XXXX with XXXX. When I questioned her about the discrepancy and asked for clarification, she admitted she was a third-party representative for Mercedes Benz Financial XXXX not an employee of Mercedes Benz Financial as she initially claimed. 

I expressed my concern to her regarding the false representation and the unethical manner in which she obtained my personal information. I further inquired whether the call was recorded, to which she responded that the calls were not recorded and that they were not permitted to use recorded calls. 

This misrepresentation and deceptive practice are clear violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically under [ 15 U.S. Code 1692e ] ( XXXX XXXX XXXX ), which prohibits false, deceptive, or misleading representations in connection with debt collection. Additionally, threatening legal action that is not intended or can not be taken is also a violation under [ 15 U.S. Code 1692e ( 5 ) ] ( XXXX XXXX XXXX ). These actions also contravene the Michigan Collection Practices Act, MCL 445.252.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
National Credit Systems , Inc. identified me of the debt via mail. They then contacted my brother by phone and left my personal information on his voicemail regarding the debt balance owed, the dates I resided at the residence etc. and my brother is not a party to the account. 

Credit Company : National Credit Systems , Inc . 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: I.C. System, Inc.
State: MS

Complaint narrative:
I am writing to express my deep concern regarding several disputed accounts on my credit report. I have repeatedly raised the issue of inaccuracies in these accounts and have consistently requested thorough investigations. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

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 2024-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was XXXX to a XXXX and I am in the process of getting XXXX. 
My XXXX has been a XXXX XXXX of the XXXX for XXXX years, I am an XXXXXXXX XXXX. I have had a Wells Fargo account since 2018, a XXXX XXXX  and a XXXX XXXX I use this account to receive all payments from customers and I also use this account to pay my customers and suppliers. My account has been blocked for more than XXXX days, due to XXXX XXXX. All my money is blocked. I have been calling and going to Wells Fargo agencies every day, thus losing days of work. On XXXX my XXXX XXXX was approved for XXXX XXXX and today is XXXX  and my account is still blocked. I have to pay my rent ( which already has a late fee ), I have to pay my credit card, I have to buy food. I don't have money to put gas in my car. My other bank is negative and I am paying charges. I also have a late fee on my credit card. And no one solves my problem. that's not fair. I have {$83000.00} in my account and I can't use it. I'm in need because of this. I need my money today. I need to pay my employees

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 2024-08-02 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: TX

Complaint narrative:
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XXXX I deposited XXXX into the Bank of America ATM. The atm took my money and ejected my card. I immediately called the number on the ATM I was told the wait time was an hr and 30 mins. 

While waiting drove to a branch. Still on hold I spoke with the lady inside the BOA and she stated to call the number on the atm give them the ATM Id and they can issue me a temporary credit today until they figure out exactly whats going on. She assured me that that was the only way to solve the issue as they do not solve the issue inside the branch. 

Finally an agent answers the phone and takes my information then tells me it will take up to XXXX days to get the money. I am flabbergasted. I explain in detail this is my rent this due today and tomorrow there will be a XXXX late fee and XXXX every day there after. She says I can transfer you to a supervisor to see if they can get you credit on the card today. 

Again I wait on hold another hr and 20mins just for the phone to ring and an associate pick up and say that department is closed for the day. She then says let me see if it will allow me to escalate the claim which will still talk up to XXXX hrs to appear on my account. 

I explain the same situation to her and ask her who is going to pay My late fees she then gives me a number and tells me to call them tomorrow at XXXX and the will put my money in my account. By this time the XXXX late fee will have already occurred. 

I call the number today at XXXX and still sit on hold XXXX just to get the exact same run around I received yesterday. 

I now owe XXXX in late fees and I still have not received my rent money. All I did was put my hard earned cash inside of an atm to pay my rent on time online and now have absolutely no access to it. I have been with BOA 16 years. This is the last straw there is no way you should deposit money into your account and have it taken from you and have to wait to get it back until they feel like youre telling the truth. 

There are cameras at the atm and thats an electronic device all they have to do is look and see how much of an overage they have and give me my money, but they choose to give you the run around and keep my money.

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 2024-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

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 2024-08-02 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: FL

Complaint narrative:
THESE HARD INQUIRIES  ARE FRAUDULENT AND DOESN'T BELONG TO ME AND NEED TO BE REMOVED. ALSO THE XXXX AS WELL . THANKS 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Despite multiple attempts to address the inaccuracies and my consistent requests for thorough investigations, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each disputed account. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

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 2024-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
On my credit report I saw a debt from a bank called XXXX XXXX for {$2700.00} on XX/XX/year>. At no time did I ask for that credit. I don't even have an account with that bank. When I called the bank, I reported identity theft and they sent me a letter saying that they were going to close that account. And in the letter they gave me TransUnion information and TransUnion told me that I have to file an identity theft report with you first.

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 2024-08-02 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: MO

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

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 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
Before my mortgage was transferred from Rushmore to Rushmore Servicing, there was a prior lender fee expense of {$890.00}. On XX/XX/2024, I spoke with a representative from Rushmore Servicing and told her I was paying the balance of the prior lender fee, {$790.00}. They took the money and applied part of it as another mortgage payment, leaving {$380.00}. I called them several times but can't get a correct monthly statement. 
Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
Hello, My ShopYourWay Mastercard is running a promotion for {$70.00} when you spend {$1000.00} online. Recently I made a purchase of {$1600.00} for a business conference I am going to in XXXX. However, I used the wrong credit card ( my XXXX XXXX ). I called the merchant and asked for them to refund the purchase so I can use my ShopYourWay Mastercard to get the {$70.00} promotional credit. While on the phone with the merchant they advised I could go back online to make the purchase or they could simply take my card number right there. I had a brain lapse and completely forgot about the online piece of the promotion and gave them the card number over the phone. I then called customer service, told them the story, and asked them to make a one time courtesy adjustment given the hoops I'm going through to use the card to get this promotion, and they wouldn't help me, so I am now submitting this complaint in hopes that you'll help. Just so you can see I am not making up some looney story, I attached a screenshot of my XXXX XXXX - still awaiting for the credit to hit. I've also attached screenshots showing that making the purchase online is clearly an option.

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 2024-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.

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 2024-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: T.S. Holdings
State: NJ

Complaint narrative:
Im being harassed by phone calls everyday by this collection company

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: TX

Complaint narrative:
I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 


I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed 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 explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.

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