vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
They added collection to my credit reports without my knowledge! I checked & can't verify their registration in Louisiana! BOTH are FDCPA violations! LVNV FUNDING LLC ( put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Plus there is NO verification from the LA Secretary of State that they are registered in Louisiana which is also against the FDCPA! I request that LVNV FUNDING LLC ( verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If LVNV FUNDING LLC ( is unable to provide the above identifying account information, this account must be deleted from all CRAs. LVNV FUNDING LLC also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: IL

Complaint narrative:
XXXX  by XXXX  have broken some Laws! 

They have a history of mislead sales practices. They just concluded a class action lawsuit of which they were sued for the same thing that happened to me. I was mislead about membership, points, bonuses, etc about this timeshare. I contacted owner support services and they did nothing about it. I have reported you all to the XXXX, and you all have many complaints from hundreds of timeshare owners. XXXX  : XXXX XXXX law you all broke is : Sum of all charges USC 1605 . The sum of all charges are supposed to include the finance charge, insurance, as well as the warranties. I had to pay extra for all of these..None of these were included in this agreement I signed. I, as the consumer am entitled to receive cash in hand since the timeshare was already legally paid for. Since I never received any transaction from XXXX  by XXXX, this contract legally has to be terminated and all the money I spent needs to be refunded back to me plus the finance charge. 

XXXX law : By the provisions of the Fair Credit Reporting Act, any late payments can not be accessed to me or my fiance.. You all charged her and me a late payment, which is a violation of Us code 1666a. 
15 U.S. Code 1681a states transactions can't be included so it will be a violation if a late payment hits my credit report ( which it did ) .Per law, a creditor can not under law report LATE PAYMENTS TO THE CREDIT BUREAUS. Timeshares expect consumers to follow the law or we get persecuted, the same goes for this business! 

XXXX. Per Us Law according to 15 us 1692c. We did not give permission for XXXX  by XXXX and the finance company ( XXXX XXXX  ) to harass me and my fiance and threaten us everyday all day. We were getting harassed early in the morning and late at night which is ILLEGAL. We were stressed out, afraid and were very emotionally distressed of these calls! XXXX is not allowed to send cards or threatening letters to us. Per us 1635, I have a right to rescind!!!! 

XXXX. Me and my fiance experienced discrimination from XXXX by XXXX. Every price by law has to be exactly the same. Someone could have paid less for this timeshare than me and my fiance would have paid. We were unfairly discriminated against by your reps!!! This is a title violation per 15 Us 13!!!

I have attached some paperwork that I advise you to view very carefully. A rep for me has sent the cease and desist form for you all, a dispute letter as well as stopping payments. I have more paperwork to send. The images are a little dark but I made sure you all can view them and I have a notarary signature

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX  by XXXX  have broken some Laws! 

They have a history of mislead sales practices. They just concluded a class action lawsuit of which they were sued for the same thing that happened to me. I was mislead about membership, points, bonuses, etc about this timeshare. I contacted owner support services and they did nothing about it. I have reported you all to the XXXX, and you all have many complaints from hundreds of timeshare owners. https : XXXX XXXX law you all broke is : Sum of all charges USC 1605 . The sum of all charges are supposed to include the finance charge, insurance, as well as the warranties. I had to pay extra for all of these..None of these were included in this agreement I signed. I, as the consumer am entitled to receive cash in hand since the timeshare was already legally paid for. Since I never received any transaction from XXXX by XXXX, this contract legally has to be terminated and all the money I spent needs to be refunded back to me plus the finance charge. 

XXXX law : By the provisions of the Fair Credit Reporting Act, any late payments can not be accessed to me or my fiance.. You all charged her and me a late payment, which is a violation of Us code 1666a.

15 U.S. Code 1681a states transactions can't be included so it will be a violation if a late payment hits my credit report ( which it did ) .Per law, a creditor can not under law report LATE PAYMENTS TO THE CREDIT BUREAUS. Timeshares expect consumers to follow the law or we get persecuted, the same goes for this business! 

XXXX. Per Us Law according to 15 us 1692c. We did not give permission for XXXX  by XXXX and the finance company ( XXXX XXXX ) to harass me and my fiance and threaten us everyday all day. We were getting harassed early in the morning and late at night which is ILLEGAL. We were stressed out, afraid and were very emotionally distressed of these calls! XXXX is not allowed to send cards or threatening letters to us. Per us 1635, I have a right to rescind!!!! 

XXXX. Me and my fiance experienced discrimination from XXXX by XXXX. Every price by law has to be exactly the same. Someone could have paid less for this timeshare than me and my fiance would have paid. We were unfairly discriminated against by your reps!!! This is a title violation per 15 Us 13!!! 

I have attached some paperwork that I advise you to view very carefully. A rep for me has sent the cease and desist form for you all, a dispute letter as well as stopping payments. I have more paperwork to send. The images are a little dark but I made sure you all can view them and I have a notarary signature

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 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
To Whom It May Concern, I received a copy of my credit report with the intentions of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not 100 % agreeing what they are reporting. I know by law from the Fair Credit Reporting Act where it states I have the right to challenge anything I am not aware is accurate. I have reached out to company below who is reporting inaccurate information. 

I ask the following accounts be removed right away : XXXX XXXX Acct XXXX XXXX XXXX In accordance with the Fair Credit Reporting act account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 states a consumer reporting/agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: PA

Complaint narrative:
To Whom It May Concern, I received a copy of my credit report with the intentions of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not 100 % agreeing what they are reporting. I know by law from the Fair Credit Reporting Act where it states I have the right to challenge anything I am not aware is accurate. I have reached out to company below who is reporting inaccurate information. 

I ask the following accounts be removed right away : XXXX XXXX Acct XXXX XXXX XXXX In accordance with the Fair Credit Reporting act account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 states a consumer reporting/agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: United PanAm Financial Corp.
State: CO

Complaint narrative:
A loan has been taken out in my name by United Auto Credit Co. I didn't approve this loan, I did not give them any details and I did not sign any paperwork. I don't know what this is for and how I have a loan for {$22000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: AL

Complaint narrative:
Fraudulent inquiries due to me being a victim of identity theft through the XXXX XXXX data breach. XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09 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: I.C. System, Inc.
State: CA

Complaint narrative:
I was never notified of this alleged debt. Under the CFPBs new Debt Collection Rule that become effective XX/XX/2021, this collection agency is illegally reporting an unsubstantiated debt and never provided proper notice before reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.

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 2023-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
They are increasing the APR from XXXX to XXXX that is a big hike and increase and I can not afford it if they decide to increase I am going to be rejecting a change and once the balance is paid off, I want them to remove it out of my credit report completely. I would like a letter stating once my balance is XXXX they will remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
They're trying to collect {$610.00} from me but this debt is not with them it's with XXXX XXXX in XXXX XXXX has sold it to them and they have no proof that I owe the debt with them thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: NJ

Complaint narrative:
I need for everything that I disputed too please get removed and I never opened anything or apply for anything so remove it

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 2023-03-09 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: NJ

Complaint narrative:
I need for everything that I disputed too please get removed and I never opened anything or apply for anything so remove it

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 2023-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I got charged {$380.00} yesterday for a closed subscription with XXXX XXXX XXXX via XXXX that I cancelled back on XX/XX/2023. They charged my account twice. The first time on XX/XX/XXXX and again yesterday. The charge has posted on my bank account without my permission. I have contacted the merchant, they acknowledged that they cancelled the subscription on XX/XX/2023. I contacted XXXX customer service via email and phone the agent lied to me and stated that once the payment went from pending to posted on my bank account, Ill receive a refund. I havent received a refund yet. PNC bank customer service is investigating the matter, but hasnt reimbursed me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-09 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 — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
On XX/XX/XXXX Best Buy charge my credit card account for {$870.00} I disputed the charge as I had ordered appliances from them on XX/XX/XXXX total charge was XXXX {$170.00}. On XX/XX/XXXX a stove that was in that order was canceled which resulted in a credit to that charge of {$170.00}. On XX/XX/XXXX a stove that was in that order was canceled which resulted in a credit to that charge of {$740.00} which made the balance {$4400.00} on XX/XX/XXXX there's a separate line charge for a new stove that I placed and that amount for stove was {$3100.00} I also had a total Tech charge of {$210.00}. I contact the credit card immediately for the charge on XX/XX/XXXX advising that I did not order anything and they were apologetic and said that they would remove the charge immediately. Come to find out they never did remove the charge and it subsequently ended up on my credit card. So I get a spirited charge with Best Buy credit card and total Tech and best buy 's fraud department Best Buy fraud department said that I owed the charge cause I linked it back to the original order on XX/XX/XXXX which is incorrect because I already paid for a For a washing machine on that orperiod thon XXXX of XXXX they credited me back for the {$870.00} On this month 's statement do XX/XX/XXXX they have charged and a purchase cash advanced fee which is {$880.00}. I have contacted both Best Buy credit card company and Best Buy total tack and I have been given the run around credit card companies says they'll just spit it to Best Buy when I go to Best Buy to verify it they tell me they have no records of these charges but the credit card company will not remove these XXXX items from mywithout Best Buy saying that they need to be removed and Best Buy says they can't remove them because they don't have any receipts for them I'm surely hoping that you can help me get this resolved because this has been going on since XX/XX/XXXX I've gone to the Best Buy store and had the store manager XXXX XXXX help me she concurs with me that both these charges are invalid there are no receipts to back them. I have spoke to the guys in the total Tech and they've gone through the receipts in my file and there are no receipts for these XXXX charges

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 2023-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
the collection agency handling this debt collection from the credit card company XXXX XXXX is reporting to the credit bureaus as unpaid although I have paid directly with XXXXXXXX XXXX the credit company reports as paid in full paid satisfactory the debt collection agency keeps trying to collect the debt that has been paid in full calling to collect debt and mailing the statement to send payment balance {$620.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I paid the debt for Ann Taylor XX/XX/2020 received a call this morning from XXXX a phone number registered in XXXX XXXX, VA to call XXXX regarding a complaint # XXXX. I called XXXX and this number is no longer in business. I called XXXX and was threatened with a law suit from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX. 
First he said he mailed a letter to my current address on XX/XX/XXXX. Then he said he mailed a letter to my old address from the XXXX 's. He said I will be sued in court. 
I called XXXX XXXX XXXX and they said they do not have a location at XXXX XXXX XXXX XXXX. I called Ann Taylor credit card and they no longer have a credit card for me and it is showing as paid. The Supervisor said this is a scam and to report the caller. 
I have records of my paid receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had a loan with Wells Fargo. It was an auto loan. I was required to have gap insurance. I paid the vehicle off early.

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 2023-03-09 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
The reporting on this account are incorrect and inaccurate. I see dates which are incorrect and no proof or unverified. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: LendingUSA
State: NC

Complaint narrative:
I have had a installment loan with Lending USA for over 42 months and have paid on time. I have never been late on this payment not XXXX single time and have the payment receipts online to show. They are now reporting that i am XXXX past due which is adversely affecting my credit and the inability to close on a mortgage at the moment for my family. They have refused to look into this error and i need this done immediately as the records will show the payments were made sufficiently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Good afternoon, Recently our family was scammed out of our entire checking and savings accounts. My wife was on their Wells Fargo website taking care of bills and transfers when she was prompted by the Wells Fargo website that she was being hacked. They called, verified that the message she received was Wells Fargo, verified our bank account information and directed her to pull all the accounts money, up to {$17000.00}, and directed her to deposit the money into another account under the pretense that they were representing Wells Fargo and were in the account. The scammers also had personal social security, address information, and family information that was stored on the Wells Fargo accounts to verify that they were with Wells Fargo. 

The Wells Fargo bank allowed both our savings and checking accounts to be cleaned out in the same visit. The bank did not ask questions and allowed for the accounts to be wiped instantly. We have claims with the Wells Fargo bank account but they are denying the claims. 

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 non-monetary relief