vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
MCM Or Midland credit management sent me information about collecting a debt I made one payment however the email provided to me by MCM states that if I default my new payment amount will be If you default on your payment plan, this agreement will be void and the full balance will be {$380.00}. However on my XXXX and XXXX they have reported I owe {$380.00}. This is wrong and incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION
State: CA

Complaint narrative:
XXXX which is not clearly licensed in California and operates from Ohio is trying to collect a 2.7 % surcharge on a service at XXXX XXXX XXXX. I am assuming this debt is for my child since I personally have never been to XXXX XXXX XXXX and XXXX has been unable to prove that I have been -- just a bill in my name with my insurance ( XXXX XXXX XXXX XXXX XXXX ). In their statements they note that they accept assignment and that they have been paid {$140000.00} but that they absolutely need another {$38.00} on top of that, or they will continue harassing me and ruin my credit. Huge claims for a debt that I did not incur and for which they have already been paid {$1400.00} which is 97.3 % of what they claim is " owed. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 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: NM

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX reported a hard inquiry on my Transunion report from XXXX XXXX. I called the business and told them I did not make any such request. XXXX verified the information on the inquiry was not me, and placed the inquiry in the 'Fraud ' reports. I have no problem with how XXXX handled it. 

My problem is Transunion will not make me whole and remove the hard inquiry from my report, despite my giving them all the information Re : XXXX finding the inquiry was fraudulent. That was today, XX/XX/XXXX. 

I am now FORCED to involve you to require Transunion to remove the hard inquiry and restore my score, including any score improvements in the interim.

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 2023-06-14 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
identity theft alert is placed on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 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: CA

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2023-06-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Harley Davidson Financial Services Inc
State: TX

Complaint narrative:
XXXX XXXX provided me a loan for 7 years. I have had two extensions during that time for trauma related reasons, that were coaxed into fruition, by the billing department. Claiming they would be helpful to me. Claiming it would change nothing on my loan, simply move the payments to the end- as if they never happened. I purchased the motorcycle in the 3rd quarter of XXXX. My interest vs principal is never consistent. Sometimes, there is no explanation for payment application. Sometimes all of the payment goes to interest. Sometimes, {$95.00} goes to principal- but never is it consistent. It is mid XXXX, and at this time, I owe 29 payments, at best, on this loan- Im sure its probably many more. I can not get a clear answer, why this is happening, or any help to stop it. I am seeking legal representation to sue for the balance of the loan. This has been an absolute wretched experience. They are extremely crooked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
As of XXXX XXXX l notice of a new closed account from XXXX XXXX XXXX XXXX XXXX 
l notice that the account that l was trying to dispute was already closed. 
And a new update was made in XXXX XXXX the account was previously closed in XXXX XXXX So, my credit points started coming down more points than l has build in a year. 
All the other companies ' points are above XXXX and XXXX but XXXX is below XXXX. 
l tries talking to the agency and they are repeating updating my account who reflex my points to fall below XXXX. 
i have a copy of report mail out in XX/XX/2023 with proofs my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 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: MO

Complaint narrative:
This account, dating back to XXXX, has been reflecting on my credit report for five years, even though the full payment of {$1100.00} was made. Although XXXX  XXXX XXXX assured me that the account would be eliminated from the report after full payment, it has not been resolved yet. This situation has caused me significant personal strain, affecting my ability to secure housing and leaving me vulnerable to homelessness. I respectfully request that the account be removed from my credit report within the next 30 days. I want the account removed not updated.

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 2023-06-14 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: EQUIFAX, INC.
State: MO

Complaint narrative:
This account, dating back to XXXX, has been reflecting on my credit report for five years, even though the full payment of {$1100.00} was made. Although XXXX  XXXX XXXX assured me that the account would be eliminated from the report after full payment, it has not been resolved yet. This situation has caused me significant personal strain, affecting my ability to secure housing and leaving me vulnerable to homelessness. I respectfully request that the account be removed from my credit report within the next 30 days. I want the account removed not updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
Companies XXXX 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 XXXXXXXX In accordance of the Federal Credit Reporting Act this creditor 's has violated my rights. 
Under 15 USC 1681 SECTION 602 state 's I have a right to privacy. and under 15 USC 1681 section 604a section 2 state 's that a consumer reporting agency can not furnish an account without my written instruction 's.

Under 15 USC 1666b state 's. A creditor may not treat a payment on a credit card under and open a consumer credit plan as late for any purpose.

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 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Companies 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 XXXXXXXX In accordance of the Federal Credit Reporting Act this creditor 's has violated my rights. 
Under 15 USC 1681 SECTION 602 state 's I have a right to privacy. and under 15 USC 1681 section 604a section 2 state 's that a consumer reporting agency can not furnish an account without my written instruction 's.

Under 15 USC 1666b state 's. A creditor may not treat a payment on a credit card under and open a consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I had filed the below complaint earlier today ... which was forwarded to Wells Fargo. A Wells Fargo representative called me this afternoon, and i mentioned i forgot to include the original letter i received from Wells Fargo Mortgage on the " Account Adjustment for overpaid interest during Covid-19 Deferral '' on my mortgage ending XXXX. The Wells Fargo employee suggested i do a new complaint and include the form and this will be forwarded to him. The employee is XXXX ( phone XXXX ). So in this submission i have listed the original complaint and uploaded the original letter from Wells Fargo Mortgage... stating that an interest rate change occurred during forbearance period resulting in overpaid interest during Covid 19 deferral. My complaint below is this overpayment of interest should also apply for my other mortgage loan ( LXXXX XXXX XXXX XXXX ) which was under Covid 19 Deferral for the same period..only difference i paid off this loan in XX/XX/2020. Here is the previous note i sent to CFPB : " I had two Mortgages with Wells Fargo Bank. The first Mortgage ( XXXX # : XXXX ) with a principal balance of {$720000.00} was paid off on XX/XX/2020. The 2nd Mortgage ( Loan # : XXXX ) with a balance of ~ {$280000.00} is still active. During the Covid period in 2020, i took Covid-19 Deferral for both mortgages for the exact same period ( due to Covid Deferral my mortgage payments were deferred ). In 2020 i received a letter from Wells Fargo saying on my mortgage that is still active ( Loan # : XXXX ) Wells Fargo Overcharged me for Deferred Interest ( something to do with interest rate change occurrence ) and gave me a refund/interest rate adjustment of {$3900.00} and a check for {$370.00} for a total of {$4300.00}. I then contacted Wells Fargo and said this interest rate change occurrence also applied to the other mortgage which i paid off in ( Loan # XXXX ). This loan had a principal balance of {$720000.00} and then Wells Fargo made me pay {$740000.00} or + {$15000.00} due to interest and " other charges ''. I believe this includes Deferred interest due to Covid 19, and this interest calculation is incorrect ( made the same mistake as my current loan ). I wrote to Wells Fargo 3 times on this, and they have not responded. Since the mortgage is paid off they do not want to open a can of worms because if this mistake applies to all loans with Covid 19 Deferral that were paid off Wells Fargo will have a big liability on their hands. I would greatly appreciate your assistance in looking into the interest calculation for both loans ... and check if the mistake made on the loan where they gave me a refund applies to the larger loan. The dollars are very material for me. Thank you ''

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 2023-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I am trying to Purchase a home and the is deformation of my character and hindering me from moving forward.

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 2023-06-14 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: IL

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

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 2023-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc.
State: FL

Complaint narrative:
A.R.M. Solutions is trying to collect a debt of {$100.00} for XXXX XXXX XXXX from XX/XX/2022. 

I spoke with an ARM representative multiple times & told them that I did not agree to this service and it was preformed when we were selling our home. Apparently XXXX auto-renewed our plan with them and sent someone out without our consent, performing treatment while we were not home. I told both XXXX & ARM that if they could provide me with documentation of my agreement to this service, I would pay the bill. I have not received any response. 

I called both companies today to make sure this was resolved. Each company told me they could not help me and that I would have to call the other company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have unauthorized credit checks that have been reported on my account without my knowledge or consent of running an inquiry, I believe I have been a victim of identity theft. 

Capital one with finance ( XXXX ) Capital one Bank ( XXXX XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) I did not authorize or give permission for this credit pull for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 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: FL

Complaint narrative:
On XX/XX/2023 XXXX XXXX approved As a one-time courtesy, we adjusted your payment history, allowing us to remove the charge-off from your credit report. You will see these adjustments reflected when our updates are sent out for XXXX. You should have access to your credit line right away. 

Remember that this one-time adjustment is an act of good faith that you will keep your account healthy and submit your payments on time. 

I received an email because this company has been reporting negative balance when I have statements that funds were coming out of my bank account. XXXX XXXX still have not reported the positive balances and payments to all credit bureau. I will attach most recent statement from XXXX XXXX as well as the email for this company to report my current positive 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 non-monetary relief
Consumer complaint received 2023-06-14 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: CBC Companies, Inc.
State: CA

Complaint narrative:
Innovis has something from a company called XXXX XXXX on my personal credit report. This XXXX XXXX  medical debt is in the name of XXXX XXXX. This is not my name. Please remove XXXX XXXX from my credit report. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
According to Law 15 U.S.C. 1681-1681x credit information in the state of New York is not allowed longer than 4 years from closed date.

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 2023-06-14 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
I have received a loan around XX/XX/XXXX. At a glance, it seemed to be nice deal upon the initial process, with promises of low interest, but after a couple months of having the loan, I have seen rates get higher. I was given multiple contracts to sign, which I now find suspicious. Ive also struggled with being able to pay online which is my preferred method of payment, but the website seems to often malfunction. There is often aggressive calls being made to make sure I pay on time as well. I have looked up my emails over my payments to the loan, and found I have paid well over the borrowed amount. The last time I was able to check my balance on the portal, I recall seeing I owed roughly the same I borrowed, a year after paying. Their website is constantly getting network errors preventing me from signing in as of XX/XX/XXXX. Below are the dates and amount paid through my emails. I rarely paid in person, so these are most of payments. I paid about once in person so it's probably a little higher than the shown amount. 


Payment Amount : {$440.00} Payment Date : XX/XX/XXXX Payment Amount : {$450.00} Payment Date : XX/XX/XXXX Payment Amount : {$440.00} Payment Date : XX/XX/XXXX Payment Amount : {$390.00} Payment Date : XX/XX/XXXX Payment Amount : {$390.00} Payment Date : XX/XX/XXXX Payment Amount : {$390.00} Payment Date : XX/XX/XXXX Payment Amount : {$400.00} Payment Date : XX/XX/XXXX Payment Amount : {$390.00} Payment Date : XX/XX/XXXX Payment Amount : {$470.00} Payment Date : XX/XX/XXXX Payment Amount : {$470.00} Payment Date : XX/XX/XXXX Payment Amount : {$470.00} Payment Date : XX/XX/XXXX Payment Amount : {$470.00} Payment Date : XX/XX/XXXX Payment Amount : {$470.00} Payment Date : XX/XX/XXXX Total Paid : {$5700.00} Initial Loan : Roughly {$3000.00} Last Checked Balance ( by memory ) : over {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
COMENITY BANK IS RIPPING PEOPLE OFF IN FEES AND INTEREST. I HAVE HAD XXXX CREDIT CARDS OWNED BY COMENITY BANK. WHEN I PAY THEM OFF EACH MONTH, I GET A BILL FOR {$2.00} INTEREST ... ..I CALL AND COMPLAIN. A FEW TIMES THEY TOOK OFF THE CHARGE. ONCE IT WAS XXXX INTEREST BUT MINIMUM YOU CAN PAY IS {$2.00}!!!! I ENDED UP CLOSING ALL OF MY ACCOUNTS WITH COMENITY BANK. 
I NOW HAVE A XXXX XXXX XXXX THAT WAS SOLD TO COMENITY BANK ... .OMG! NOW BEFORE I CAN EVEN MAKE MY PAYMENT BEFORE THE DUE DATE, MY DOLLAR AMOUNT HAS GONE UP FROM THE STATEMENT AMOUNT... ALL WITHIN 10 DAYS! 
WHAT'S WORSE, ARE SEVERAL PEOPLE ARE SAYING THE SAME THING ABOUT THIS UNETHICAL COMENITY BANK PRACTICE! 
PLEASE INVESTIGATE THIS COMPANY FOR THE WELL BEING OF THE AMERICAN PEOPLE ... .THEY ARE DOING SOME FOUL AND UNETHICAL TREATMENT TO THEIR CLIENTS!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 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:
XXXX, XXXX, and TRANSUNION are in violation of multiple laws 15usc 1681 a ( d ) ( 2 ) ( I ) exclusion of a credit report. 
According to the law the term credit report does not include information solely as to transactions or experiences between the consumer and the company These companies are reporting charge offs and late payments on my report which are transactions and experiences

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