vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commercial Acceptance Company
State: PA

Complaint narrative:
The debt came from an ambulance bill. Per my insurance company, the balance of $ XXXX is not legally supposed to be billed to me, but they have balance billed me for the remainder. They refused to contact insurance to get things straightened out, and refused to take calls my insurance company had made to the ambulance company. 

I received a call in XXXX from XXXX from Commercial Acceptance Company ( collections ). She did not identify what company she was with, and after answering with only hello, she stated my full name, date of birth, full address, and the name of where the debt came from. 

I requested a validation of debt and a letter proving they have my debt. I was told no. When asking again for a validation of debt, I was laughed at, told they legally dont need to do it, and if I wanted it I would be required to request it in writing. I asked for info about where to send the request and got no information. At this point I still didnt even know the company name. She threatened me saying she would put it on my credit report if I didnt pay that day, and I asked how long I had until it was reported. I made her aware that she was breaking FDCPA guidelines, and she hung up. 

She called again and did the same thing over again. Refusal for validation of debt and a letter. Threatened to report me to the credit bureaus, and provided no information. I only figured out her company by googling her phone number, which led me to her personal XXXX page, which showed the name of the company. 

I reported the abusive actions of the collector to Commercial Acceptance Company. They sent me to a voicemail of a supervisor and have never contacted me since then. I believe that was mid to late XXXX. 

Now in XXXX of XXXX they have this on my credit. I still havent gotten any correspondence validating my debt. I called again today, XX/XX/XXXX and spoke with a supervisor named XXXX. He implied that no laws were broken, did no care that I was threatened, told me he refused to hear about it, and demanded payment immediately. When trying to explain why I dont believe its valid debt, he also told me they arent required to validate the debt and said it must be requested in writing. He refused to provide where the request should be sent to, and demanded that we set up payment arrangements on the phone. 

From the first phone call, I was under the impression this was a scam since I am familiar with the FDCPA since I was a collector years ago, and knew the tactics they were using was illegal. I met with a lawyer, who told me going after them in court would be costly, and to try to resolve with them directly. I have tried to resolve it, and continue to have my credit ruined.

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

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Complaint Against EXPERIAN for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : XXXX I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on 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 2024-08-08 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: FL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XX/XX/year> I received a hard inquiry on the same date from SyncbXXXX. I have no account with them and I have not applied for anything. When I spoke to them on the phone I was told at first they couldnt find any information associated with my ssn and then informed that they couldnt provide me with any information and they couldnt help me.

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 2024-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Wildhorse Financial Services, LLC
State: IL

Complaint narrative:
On XX/XX/year> I submitted a refinance application to GRAVITY LENDING out of XXXX XXXX. On XX/XX/year> I received an email from GRAVITY LENDING stating that I was approved with XXXX XXXX XXXX XXXX, however the XXXX was requiring a {$950.00} down payment. 

I spoke with XXXX XXXX and began going through the process of the refinancing with these terms, signed paperwork via XXXX and overnighted a power of attorney they requested for XXXX paperwork. 

On XX/XX/year> I got a text message from a XXXX XXXX stating that he worked with XXXX and was sending me some forms they needed. I got the email and it was requesting XXXX point of contacts with their name, phone number and home address. He also requested a payment of {$950.00} and another payment of {$10.00} for the member fee to open the account with XXXX XXXX. 

I replied back to XXXX via text and email the same day, and never heard back. Something triggered me to call XXXX XXXX and speak with their underwriting department about this loan, and I'm very happy that I did. 

On XX/XX/year> I spoke with XXXX, a senior underwriting agent at XXXX XXXX and was advised that the approval I had with them DID NOT require a {$950.00} down payment as GRAVITY LENDING had stated, and he went on to say he was request in writing from them showing what exactly the {$950.00} payment was for, as GRAVITY LENDING states they DO NOT charge any fees. 

I emailed XXXX XXXX, XXXX XXXX, XXXX XXXX and the XXXX XXXX XXXX about this on XX/XX/year>. Shortly after the email XXXX XXXX replied with " I apologize for any confusion this may have caused, we would not ask for a down payment if the vehicle was within loan to value ratio guidelines. I'm looking into this and will give you a call once I have this figured out. I assure you we do not have a loan origination or processing fee, if any fees are included they are disclosed to our customers up front. XXXX does not have a lender fee, and we don't either. 

I will give you a call after I follow up with XXXX as well as the underwriter. '' As of this complaint filing, I have NOT heard back from anyone at GRAVITY LENDING. The loan agent I was dealing with has not replied or called back either, as I left her a voicemail this morning at XXXX XXXX XXXX 

I can't help but feel as though I have been lied to, and that GRAVITY LENDING attempted to defraud me out of {$950.00} claiming it was for XXXX XXXX, in which it WAS NOT a requirement from XXXX XXXX at all per their underwriting department.

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

Complaint narrative:
Fraudulent accounts are on my report that resulted from identity theft. I have notified Experian and provided my identity theft report but the accounts are still on my 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 2024-08-08 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:
Please delete this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the documents supporting my claim.

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

Complaint narrative:
I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$4600.00}. 
This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are 0 late payments being reported. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$3000.00}. 
This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are 0 late payments being reported. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your 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 2024-08-08 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: TX

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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : 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 XXXXXX/XX/XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 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: Shellpoint Partners, LLC
State: IL

Complaint narrative:
My mortgage servicer transferred from CMC Funding to Newrez / Shellpoint Servicing in XX/XX/XXXX. On XX/XX/XXXX, I received an Annual Escrow Account Disclosure statement from Shellpoint. The escrow analysis shows that my contractual escrow payment is increasing from {$450.00} to {$850.00} ( an 86 % YOY increase ) as of XX/XX/XXXX, despite no material changes in my insurance or property tax costs. Insurance is flat YOY and property taxes increased from {$5300.00} to {$5400.00} ( a 2.6 % YOY increase ). Upon receiving this analysis, immediately I realized that it can not be correct. I reached out to Shellpoint customer service, and opened a support ticket on XX/XX/XXXX. I pointed out the clear error in the analysis - Shellpoint is showing 3 disbursements when there are only 2 property tax installments paid annually in Illinois. In the incorrect escrow analysis, there is a disbursement on XX/XX/XXXX for {$2800.00}, a disbursement on XX/XX/XXXX for {$2900.00}, and a planned disbursement for XX/XX/XXXX for {$2800.00} ( the same amount already paid on XX/XX/XXXX ). Because of the extra payment, my escrow account is showing as underfunded by {$1800.00}. If we exclude the extra payment, it actually looks like I am due a refund for overfunded escrow account. I reported this issue in advance of XX/XX/XXXX, expecting that Shellpoint would act to stop the extra property tax payment to the county. I received no updates on this topic until I called customer service again on XX/XX/XXXX. When I called for an update, the customer service representative looked up my prior ticket and said that it showed that it was closed without resolution, and another ticket was opened without any action taken against it. When I called on XX/XX/XXXX, the customer service representative said that my ticket would be escalated and that I would hear an update soon. It has now been 2 weeks and I have not received any update. We are 3 weeks away from the new incorrect escrow payment being forced by Shellpoint 's error. I am disappointed in the lack of urgency and complete lack of communication on this matter. Through no fault of my own, and for something completely out of my control, I am now dealing with this frustration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My account with TRANSUNION 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 ( MONTHS REPORTING LATE ) 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. 


TRANSUNION 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 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 2024-08-08 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: NY

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I purchased concert tickets from someone ( seller ) on XX/XX/XXXX based on the recommendation of a very trusted friend. The seller requested that I pay via Zelle, I did and the seller did not produce the tickets. On XX/XX/XXXX I requested a refund from the seller, he stated that he issued it back to me through Zelle which he did not. He said it was pending. I also made a payment request through Zelle for the {$900.00} he owes me. On XX/XX/XXXX I reached out to him again to let him know I still haven't received my money. He did not answer me. On XX/XX/XXXX I reached out to him again and he did not respond again. 
This is clearly a scam so I have done the following : Collected and printed all of the texts and communications with the seller Obtained a police report Called XXXX ( XXXX on XX/XX/XXXX and XX/XX/XXXX Messaged XXXX  through Mobile App on XXXX Called Zelle ( XXXX ) XXXX Filed two Scam reports with Zelle on XX/XX/XXXX Emailed Zelle customer support on XXXX Messaged Zelle on XXXX on XXXX I have received absolutely no help from Zelle. Their page says if you need immediate support to call them. They offer 3 different prompts, none of them leading to speaking with a representative. Their site also says to file a claim. I filled out all of the necessary information and still have not heard back from Zelle. I also sent a general message through their customer service link, and still no response. I was able to message them on their XXXX page as well and no one has answered me. They offer the support phone number and links. I tried them all, but have not heard from anyone. Why do they offer these things when they dont plan on answering their customers? 


I am desperately trying to get my {$900.00} back. With no help from Zelle, this scammer has been able to keep my money. It may not be a large amount, but it is to me. 

I have all the texts showing my communication with the seller. I tried attaching the documents but it said the page was temporarily down.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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:
I am writing to dispute the following information that appears on my Equifax report from XX/XX/XXXX : XXXX XXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
The current payment status of At least 120 days or more than four payments past due is incorrect because the balance due on this account is {$0.00}. 
XXXX XXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
The current payment status of At least 120 days or more than four payments past due is incorrect because the balance due on this account is {$0.00}. 
XXXX XXXX XXXX  Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
The current payment status of At least 120 days or more than four payments past due is incorrect because the balance due on this account is {$0.00}. 
XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$4600.00}. 
This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are 0 late payments being reported. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$3000.00}. 
This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are 0 late payments being reported. 

Please reinvestigate these matters and delete or correct the disputed information as soon as

Company response to consumer: Closed with explanation