vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. 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 explanation
Consumer complaint received 2024-06-28 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: CA

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: TN

Complaint narrative:
On XX/XX/year> LoanCare LLC received two checks, a written notice, and a payment coupon, specifying that XXXX check was the monthly payment due on XX/XX/year> and the other check was a " prepayment '' or extra payment towards the principal balance in accordance with the signed loan agreement. On XX/XX/year> LoanCare LLC processed the payments incorrectly, debiting the monthly payment check from our account but not applying it to our loan account at all. The second check, for the prepayment, was incorrectly applied to the XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year> payments. Written notice of the misapplied payment and missing payment are being sent directly to LoanCare LLC in addition to this complaint. 

This comes after LoanCare LLC mishandled a prepayment in XX/XX/year>, which was subsequently corrected after written notice was provided. 

This also comes after LoanCare LLC failed to provide escrow documents in accordance with the signed loan agreement and federal regulatory requirements. LoanCare LLC provided a monthly statement which did not reflect a line item for escrow, however, their website reflected a higher amount due than was on the statement. The higher amount on the website included escrow and when I called to inquire about the discrepancy I was told we only needed to pay the statement amount. When we paid the higher amount, to be safe, the additional amount was applied to escrow instead of as a prepayment towards the principal balance. Written notice of this issue was received by LoanCare LLC and instead of applying the escrow balance to the principal as requested, LoanCare LLC removed escrow ( this was requested ) from our account and sent a refund check for the escrow balance.

There is a pattern of disregard by LoanCare LLC to the signed loan agreement which would result in significant financial gain for their company and costing us thousands in additional interest. Is this because it is a VA loan, or because this is how LoanCare LLC conducts business as general 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 2024-06-28 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX XX/XX/XXXXXXXX  RE : Unauthorized Credit Inquiry from Experian Dear : Experian : I recently received electronic notification that there have been inquiries completed on a copy of my Credit Bureau Name credit report. Upin review via your website, the credit report shows multiple credit inquiries by the below listed companies that I do not recall authorizing. I understand that you should not be allowed to accept an inquiry on my file unless I have authorized it. This is an immediate demand to have these inquiries removed immediately without prejudice! I have sent this letter via ConsumerFinance because I need your prompt response to this issue. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Please be so kind as to forward me documentation that you have had the unauthorized inquiries removed. 
Otherwise, all the inquiries contained herein, should be immediately removed from any record with my name and social security number. 

Thank you for your help, XXXX XXXX SS : XXXX DOB : XX/XX/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 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to express my deep concern regarding several disputed accounts on my credit report. Despite my repeated attempts to address the inaccuracies in these accounts and my 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 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 non-monetary relief
Consumer complaint received 2024-06-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XX/XX/XXXX I signed up for a citi-card credit card through the Home Depot to get a discount on a microwave and refrigerator that I bought and never used the card again. XX/XX/XXXX received a fraud alert email from Home Depot asking if I recognize a charge to which I answered NO. XX/XX/XXXX I received an email with a bill for {$4500.00}. I called Home Depot and Citibank trying to get this fraud cleared up and canceled the credit card. I also logged into XXXX, XXXX and others to freeze my credit report. They asked that I send a copy of my driver 's license and case number to them, which I did. They created a case number and started an investigation. XXXX XXXX : XXXX. I called a few months later to see the progress and was told that the investigation had closed. I called the police and was told to create an identity theft report, which I did. ( # XXXX ) I just received a letter stating that the investigation had been closed again and they determined that I was responsible for the {$4500.00}. 
The items they say I purchased include a riding lawn mower, XXXX XXXX XXXXXXXX bags, XXXX fl XXXX Splash-Less Regular Concentrated Disinfecting Liquid Bleach, Soap Scum Remover, Wifi Pellet Grill and Smoker, Countertop Microwave, and a few other items. I am a XXXX XXXX XXXX XXXX XXXX  woman living in a small house and would never need any of the items associated with this purchase. I am unwilling to pay for these products that I did not purchase. I can't afford to and wouldn't want to if I could.

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 2024-06-28 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: MI

Complaint narrative:
When I checked out my credit profile there was some inquiries listed that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Orion Capital Solutions LLC
State: OK

Complaint narrative:
The debt collection company is Orion Capital. The collector who was calling non-stop is XXXX XXXX. He repeatedly called my personal phone, and then began calling my work number. My co-workers told him he was not allowed to contact me at work, and when he would not stop, one of them, on XX/XX/year> told him I no longer worked there. He responded with, " Well, she did last week! ", and when she told him he had been repeatedly asked not to contact me at work he would not stop yelling at her, so she hung up on him. He immediately called back and asked to speak to MY SUPERVISOR!!! My co-worker told him that anyone who works here is going to tell him the same thing, it's a state office, he's not allowed to call here. She hung up again, and he called back a third time, all within a ten minute time frame, and he said he would keep calling over and over again because he had " all day ''. I told my co-worker to get his name and number and I would call it when I finished with my client. Before I called the number, I noticed that XXXX XXXX had left me a voicemail and in it, he said he didn't appreciate being hung up on that I was rude and that he would be calling back to talk with my supervisor. ( So, I have voicemail proof and witnesses to his collection practices ). When I finished with my client, after having been thoroughly embarrassed at work in front of all of my peers and the client at my window, I called Orion Capital and spoke with HIS supervisor, and told her everything that he had been doing. I explained it is not legal for them to call me at work, harass not only me, but my co-workers as well, OR talk to my supervisor or anyone else BUT me about any debt that I might owe. I asked her to send me communication via mail only, and that I would be happy to look at it and see what it is, and what they were offering as a solution, if I did owe the debt. I told her that I wanted XXXX relieved from servicing my account, and if anyone from Orion Capital called my workplace again, and/or if I happened to lose my job, I would obtain legal counsel. The supervisor 's name was XXXX XXXX, she was very apologetic, promised that nobody would contact me by phone again, and I would receive mail communication only from this point forward. I am complaining here, because if this is standard practice for this company, they need to be stopped!! They do not need to call incessantly, threaten people, harass them, or talk to others about someone's debt. People should not be subjected to that kind of stress, XXXX, and personal embarrassment just because they may or may not owe a corporation money. Nobody should have to deal with this kind of collection practice. Period.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with 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.

has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2024-06-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: DataMax Corporation
State: FL

Complaint narrative:
I am not sure where this even originated or what company this is. Never heard of them not sure what this amount is for. I see this {$17.00} amount on my bank credit report as a debt collection. I was not ever checking my report but recently went to get a truck loan and seen that I have had this in collections for {$17.00} since 2018. I just want more information to get this removed. I tried contacting the phone number that is linked to this company in my statement but it is disconnected and the company does not have a website, that I am aware of. Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Im in disagreement with the account listed below which still appear on my credit report, even after your investigation. I would like this immediately reinvestigated. The inaccuracies are highly injurious to my credit scores. XXXX/account number XXXX In accordance with the fair credit act, public law 91-506 title VI section 611. Provide the names and business addresses of each individuals with whom you verified the follow up. Please sed me an updated copy of my credit report after reinvestigation

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 2024-06-28 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: FL

Complaint narrative:
Im in disagreement with the account listed below which still appear on my credit report, even after your investigation. I would like this immediately reinvestigated. The inaccuracies are highly injurious to my credit scoresXXXX XXXX/account number XXXX In accordance with the fair credit act, public law 91-506 title VI section 611. Provide the names and business addresses of each individuals with whom you verified the follow up. Please sed me an updated copy of my credit report after reinvestigation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

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 2024-06-28 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

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 2024-06-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
The information they are reporting is incorrect and inaccurate.A real true debt validation is send all info being requested by the person being accused of owing debt Im requesting the History of the account.I want all my account statements Which will show the balance of the account I dont want an itemized statement.I want all my statements for history of the account.If you cant supply this delete the file from all XXXX credit reporting agencies. 
I want all the notes that is on the account .I want the original credit card agreement with Terms and conditions Why wasnt I given any pandemic relief.They didnt help me during the pandemic pay off the debt .They didnt offer any resolution or care act.All this will be brought up.If I choose to file a lawsuit.I will then request legal discovery and subpoena what Im askingIm willing to pay the {$400.00} to take this to federal court.They filed a case in District court i guest to intimidate me.Which should be a violationThis incorrect and inaccurate stuff on my credit is a violation of my civil rights and FCRA and FDPA. 

A federal lawsuit will be filed if this isnt investigated.If Im not given what Im requesting

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: EQUIFAX, INC.
State: MD

Complaint narrative:
The information they are reporting is incorrect and inaccurate.A real true debt validation is send all info being requested by the person being accused of owing debt Im requesting the History of the account.I want all my account statements Which will show the balance of the account I dont want an itemized statement.I want all my statements for history of the account.If you cant supply this delete the file from all 3 credit reporting agencies.

I want all the notes that is on the account .I want the original credit card agreement with Terms and conditions Why wasnt I given any pandemic relief.They didnt help me during the pandemic pay off the debt .They didnt offer any resolution or care act.All this will be brought up.If I choose to file a lawsuit.I will then request legal discovery and subpoena what Im askingIm willing to pay the {$400.00} to take this to federal court.They filed a case in District court i guest to intimidate me.Which should be a violationThis incorrect and inaccurate stuff on my credit is a violation of my civil rights and FCRA and FDPA.

A federal lawsuit will be filed if this isnt investigated.If Im not given what Im requesting

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: TX

Complaint narrative:
A dealership ran my credit to multiple banks without my permission I only authorized XXXX credit union.

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