vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: CA

Complaint narrative:
I am writing to file a formal complaint against Contract Callers regarding their unethical and unlawful actions in reporting a debt to my credit report without notifying me. This debt was previously deemed not mine through XXXX XXXX after a previous complaint with the CFPB, and it was successfully removed from my credit report once investigated. 

Last month I discovered an adverse entry on my credit report from Contract Callers Collection Agency for a purported debt that I was never made aware of. This action has had a significantly negative affect on my financial well being I would like to bring to your attention that this debt had been previously disputed with another company, as evidenced by CFPB 's findings. The resolution of the previous dispute resulted in the removal of the debt from my credit report. However, it has come to my attention that Contract Callers has irresponsibly and unfairly reported this debt to the credit bureaus without providing me any prior notification or validation of this debt. They have disregarded my consumer rights by failing to notify me and not adhering to FRCA and my consumer rights. This is not my debt. I have not had any XXXX account in my name in recent years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: 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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXXXXXX XXXX Account XXXX Account Name : XXXX Account Number:XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: 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. 

Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX Account Number:XXXX 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 explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I moved out of my apartment at XXXX XXXX XXXX, XXXX, XXXX CA and into a new smaller unit on XX/XX/XXXX. I paid all my fees from my XXXX apartment after chasing down the leasing office staff to give me my move out cost on XX/XX/XXXX I finally received that total which was {$260.00}. I got a money order and paid this to the apartment in XXXX of XXXX. 

However on XX/XX/XXXX I received and email from Columbia Debt Recovery, Genesis stating that XXXX at the Bridge ( now run by the XXXX, my current apartment ) sent them a debt of {$260.00} ( the price plus interest ). I immediately forwarded this to my apartment complex who reported they were unsure why it was send to the debtor as they have me as paid in their system. They sent over proof of payment to me via email. 

I then called Genesis to dispute the claim on XX/XX/XXXX and provided email proof that it was paid. I was instructed to call back as my proof XXXX not be enough but they would submit it and see. I called back again on XX/XX/XXXX to find out there was no documentation in my account outlining the proof that was sent and had to resend the information of the paid debt again. I was instructed to call back to follow up again. I called back XXXX more times with the same issue until XXXX of XXXX where I got a ding to my credit for supposed unpaid debt. I then called and I spoke with a supervisor twice who stated that yes my debt appeared to be paid and that it would be settled and that it would not show on my credit. I called back again on XX/XX/XXXX as I did not trust they would follow though to find out that no it was not settled. I asked to talk with a supervisor who was not available an am waiting to have my umteenth conversation with them about something I paid over a year ago at this point. they are unorganized and dishonest and effecting my credit which in turn effects other part of my life. This is unethical and wrong adn they need to be held accountable. 

I have just about every conversation in writing and can provide those as well as proof that I paid my debts well before they were sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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:
Equifax and XXXX have violated my right to privacy and I'm a victim of identity theft pursuant to USC 1028A. I NEVER AUTHORIZED these companies to report any negative accounts on my credit report..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 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: VI

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2024-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I formally request the deletion of this inaccurate account from my credit report. I did not authorize its creation or use. Enclosed are the documents to substantiate my claim.

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 2024-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
I called to get help with payment plan. Someone to talk to, to help me figure out my options. They told me to go online. The online system is IMPOSSIBLE to work through and just get declined or reset. There is literally no one to help anyone figure XXXX XXXX Just go online because everyone is to lazy to hit a couple buttons. Customer service is a thing of the past and this company is seriously the worst I have ever tried to work with. The fact it is the federal government that sets this XXXXXXXX XXXX XXXX absolutely disgusting they cant even help. I will likely default on my student loans and there is nothing I can do about it because no one can assist me to figure it out. Its a serious shame that people want to pay and be good humans but the FEDERAL GOVERNEMENT does not care about anyone that is no RICH. Prove me wrong .....

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Enclosed is an identity theft report containing the relevant dates and information regarding the unauthorized hard inquiries from multiple companies. Please review the attached document for further details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: SOUTHSTATE BANK CORPORATION
State: AL

Complaint narrative:
In XXXX, we got a construction loan from South State Bank, XXXX, Alabama. We were told that per our closing statement all the money was utilized for our construction loan. When we went over the construction loan there was {$10000.00} that was unused, we notified the bank went over the closing statement several times via email and the loan officer and was told that that money was utilized. So we had to reopen our mortgage to get an additional {$9000.00} to finish our project which we incurred more closing costs and interest due to reopening the mortgage. IN XX/XX/XXXX S. state bank called my husband XXXX XXXX and told him there was {$10000.00} still sitting in our construction loan account and that we can go ahead and withdraw the money not only was the money still sitting there for two years, they charged us a fee for allowing that money to sit there.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: RI

Complaint narrative:
On XX/XX/XXXX I received an email from XXXX XXXX XXXX XXXX XXXX XXXX stating they will be servicing my XXXX XXXX XXXXXXXX XXXX loan. This loan appeared on my Equifax credit report under XXXX XXXX XXXX  until XX/XX/XXXX. On XX/XX/XXXX, my Equifax Credit report showed two loans, one for XXXX and one for XXXX XXXX. 

On XX/XX/XXXX, I filed a dispute with Equifax stating that XXXX was serving my XXXX XXXX XXXXXXXX XXXX loan. It was explained that XXXX was a loan-serving company and not a financial institution issuing loans. On XX/XX/XXXX Equifax released the findings of their investigation. Equifax stated through a third-party vendor investigation of public records the information on my credit report was correct. I have contacted both XXXXXXXX XXXX XXXXXXXX XXXX XXXX and both companies deny any inquiries by Equifax regarding this issue. 

The Credit Report Equifax is providing is incorrect and overstates my liabilities, effecting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 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: Credit Control, LLC
State: TX

Complaint narrative:
these companies have been notified to cease and desist all credit reporting and communication with the consumer. misuse of consumer report is a violation in accordance to FCRA. specific remedy has been demanded pursuant to 15 USC 1692c. ( c ) ( 2 ) failure to comply will result in legal action against all companies in violation.

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 2024-04-15 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: AL

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 response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I have requested information from BMO countless times and all information BMO has provided to me has been incorrect and false. I am still not able to make payments as all checks have been sent back to me with a notice stating account can not be located. The contact numbers provided are not correct as any of BMOs associates are not able to locate me still. I have now been told that the only way to pay is by cash or cashiers check. 
BMO is impacting my finances!

I have been to a dealership to see what they can do. The dealership did request a payoff amount but the amount the dealership shows is somewhat different to what BMO shows by a substantial amount!

I dont trust that BMO is being honest and are in compliance with the law.

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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
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 2024-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I REQUESTED FULL ACCOUNTING OF THE ACCOUNT USING GAAP, TO SEE ALL THE INCOMING AND OUTGOING AMOUNTS OF THE ACCOUNT AS THE BENEFICIAL OWNER OF THE ACCOUNT. THE COMPANY HAS BEEN ILLEGALLY TRADING MY ACCOUNT AND THE RECEIVABLES. I SENT THE COMPANY PAYMENT OF XXXX BY MAIL AS REQUESTED [EVEN THOUGH I SENT THEM A LEGAL DOCUMENT RESCINDING THE SECURITY INTEREST OF THE ACCOUNT, POWER OF ATTORNEY, RIGHT TO REPOSESSION, RIGHT TO TRACK THE VEHICLE BY GPS AND RIGHT TO ANY AND ALL INSURANCE PAYMENTS AT 100%] WHICH WAS SENT CERTIFIED MAIL USING USPS XXXX XXXX XXXX. THE MAIL SHOWS RECEIVED BUT THE PAYMENT WASN'T CREDITED TO THE ACCOUNT AFTER THEY RECEIVED THE CHECK. ADDITIONALLY, THE ORIGINAL REQUEST TO ENTER THE ACCOUNT INTO A BILLING ERROR WAS DISREGARDED THOUGH THE DOCUMENT WAS NOTARIZED MAKING IT A LEGAL DOCUMENT SAME AS THE RESCISSION STATEMENT. ALLY FINANCIAL HASN'T HONORED ANY DOCUMENTATION SENT TO THEM BY REGISTERED MAIL OR CERTIFIED MAIL. ALLY FINANCIAL ALSO JUST REPORTED ON MY CONSUMER REPORT DEROGATORY FOR THE MONTH WHICH DROPPED MY SCORE XXXX POINTS WHICH UNDER 15 USC 1666 CLEARLY STATES NO ADVERSE ACTIONS AGAINST ME ARE PERMITTED ONCE THEY'RE NOTIFIED BY MAIL SEE SUBSECTION (e) THEY'VE AGREED TO FORFEIT THE ENTIRE AMOUNT OF THE LOAN AND ACCEPT NO MORE THAN THE AMOUNT ALLOWED BY THEIR ACTIONS.

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 2024-04-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I was contacted by someone claiming to be an Amex fraud and complaint representative. I am writing to confirm that the person that I spoke with is in your employment They identified themselves as XXXX XXXX ID # XXXX XXXX and gave me the document number of XXXX to track my case. 

I was told that an unauthorized account was opened in my name through the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX The representative asked me to get a police report from the XXXX police but I was not able to because they did not have a translator available. I was told that the card could not be terminated without this report. I was told to send it to the above address. 

This case was brought to my attention because a purchase for XXXX was attempted. That transaction was denied but I was told that the card is still active. If there anything I can do to make sure that this doesn't continue?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
these companies have been notified to cease and desist all credit reporting and communication with the consumer. misuse of consumer report is a violation in accordance to FCRA. specific remedy has been demanded pursuant to 15 USC 1692c. ( c ) ( 2 ) failure to comply will result in legal action against all companies in violation.

Company response to consumer: Closed with non-monetary relief