AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: This dispute is regarding student loan accounts that have inaccurate information listed on my credit report. First I contacted these companies requesting them to validate this account and the account information that they have reported to the credit bureaus and never received a response. Being that I did not receive a response, I filed a complaint with the Consumer Financial Protection Bureau against them for failing to validate their claim. I disputed these accounts and the information they reported with Transunion ; Transunion responded by stating that they verified the information was correct. These accounts are currently listed as Chapter XXXX bankruptcy, when in fact they are not in Chapter XXXX bankruptcy being that the bankruptcy was dismissed which I know that to be fact. Being that the companies failed respond to my request by validating this information, I would like to know exactly how did Transunion verify this account as being accurate and what competent proof that they received to validate this claim ; especially since neither one of these companies responded to my request and the numbers listed are not valid numbers that would reach a customer service agent. I do n't believe that Transunion investigated my dispute fairly. It 's on record that my bankruptcy was dismissed so how can these companies validate information that is not true? It is a violation of law for them not to provide validation of their claim, the account they are reporting and the information regarding the accounts ; especially if it is detrimental to my credit. I filed a claim against these companies with the CFPB in which they have not responded to my complaint either. 

Company response: Company chooses not to provide a public response
Consumer complaint: I disputed late payments with Transunion, submitted proof to them directly from the company that my payments were not late and Transunion has repeatedly refused to update my credit file to!! 

Company response: Company chooses not to provide a public response
Consumer complaint: Transunion is reporting a collection item by XXXX XXXX that is not a validated debt. I have asked for this information from them but they will not provide it to me. They say they previously sent it to me but I have not received anything. In my recent complaint about them through consumer finance they said they sent me a notice in 2013, but I never received the notice and invoice they say they sent to me. 
I am disputing this debt because I am not being given enough information to figure out what these charges are specifically for. I gave XXXX of XXXX XXXX the proper notice, letting them know I was moving at the end of XXXX of 2013. I believe they are trying to charge me for rent after we moved out. There should be no late fees because I provided notice. What is the misc Fee I? Why is there a Pest Charged Owed? Why am I being charged {$430.00} for rent - for what time period? How is this being calculated? What is the prorata amount and how many days am I being charged for? Why is there a utility reimbursement for trash, sewer and water? Where is the proof that XXXX of XXXX XXXX assigned this collection item to XXXX XXXX? How did they verify with XXXX of XXXX XXXX that these charges are valid, legitimately owed, and properly calculated? Did they simply look at a statement and take it as face value? How do I know they are licensed to collect in the State of Ohio where I reside? They have n't provided me with their license number and registered agent as I requested. I want this item removed from my credit report because it is an unvalidated debt. 

Company response: Company chooses not to provide a public response
Consumer complaint: I live in Ohio and took a loan from Westernsky financial for XXXX at {$290.00} FOR 47 MONTHS in XX/XX/XXXX.They turned the loan over to Cash Call immediatly, After a few months I could n't make the payment, i ask for smaller payment, they refused. I stopped making payments due to medical bills. I retired on social security XXXX. Now XXXX debt collectors are harrassing family and friends for info on locating me. They have my address I wish for them to stop harrassment.They threaten me with lawsuits, and hastily I agreed to make payments of {$290.00} a month for 10 months starting in XX/XX/XXXX. I gave them my social security debit card, but had social security send me a new card so they could n't take out payment. 

Company response: Company chooses not to provide a public response
Consumer complaint: I THINK IM A VITIM OF FRAUD I WAS IN XXXX FROM XXXX AND I CANT GET MY CREDIT REPORT. MY EMAIL address is XXXXXXXXXXXX and my phone number is XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America had a credit card for me years ago. They set me up on a payment plan and advised me that my account would report paid as agreed. I had several people from their service line talk to me assuring me it would n't hurt my credit, but now they 're reporting it 150 days past due at some point. It 's been paid off for years in full. My credit scores are all over XXXX with all accounts paid as agreed. I feel they misled me and said whatever was required to get me on the payment plan. It was deceptive. I 've since asked them for records of the calls and past statements. They said they can not provide either. I 'm curious how they 're sure about anything on the account if they ca n't provide me records for transactions less than 5 years old. 

Company response: Company chooses not to provide a public response
Consumer complaint: At the Macys store check out counter, I was asked if I had a Macys card. I said, " I think so, can you look it up with my phone number? '' This happens at many retailers and I give them my phone number. The clerk asked for my driver 's license and told me to follow prompts on the credit card scanner device, which included asking me for my social security number. In the end she said I do n't have an active account ... BUT THEY HAVE MY SOCIAL SECURITY NUMBER. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was turned down for credit by XXXX c/c companies. When I tried to obtain my free credit report because of the denial, XXXX said I had already received my free credit report for the year. I thought you could get a report each time you were denied credit, but am I wrong? thanks. 

Company response: Company chooses not to provide a public response
Consumer complaint: Citibank sold debt to a credit called XXXX - but they sold a debt that didnt belong to me! I have had several discussions with Citicard including a phone conversation in XX/XX/XXXX when Citicard said the fraud team would look into it and close the card/relieve me of any wrong doing and take it off my credit report. When I checked my credit report it was removed so I assumed everything was okay. It was NOT okay! Citibank SOLD MY DEBT ( even though it was not mine ) and now I got SUED by XXXX. XXXX is suing me for {$25000.00} for a credit card that had a {$1600.00} limit that was not even my card! XXXX levied my bank account and is ruining my life. The funds they levied will leave my account XX/XX/XXXX - so this is extremely urgent! I can not hire an attorney because XXXX has levied every penny I have. 

Company response: Company chooses not to provide a public response
Consumer complaint: A few months ago ( for the first time ) a tax lien appeared on my credit report from 2012. I immediately disputed it - only to have Transunion update it as " paid. '' I do not dispute that there is a case and docket showing where a lien was filed and then paid. I dispute that the filing ever should have happened. The tax assessors office admittedly did not mail the notice to the correct address - prior to filing the lien. It is my position that because this was the tax assessor 's office error and not mine - it should not be on my credit report. Moreover, Transunion has an obligation to ensure that the information they are reporting is valid. I have requested the investigation notes, persons interviewed and have not received that information yet.I only get general language about how investigations are conducted in general. Transunion has failed to verify this information and are only reviewing that it was filed. I have also reported this to the XXXX ( Case XXXX ) and with CFPB ( XXXX ) 

Company response: Company chooses not to provide a public response
Consumer complaint: I keep getting calls from XXXX sometimes even more than once a day they NEVER leave a message so I have no idea what it 's about. I googled the number and other people have the same problems and I have n't even received any bills or anything in the mail. I am SICK and tired of the HARASSMENT! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Experian is reporting a collection item by XXXX XXXX that is not a validated debt. I have asked for this information from them but they will not provide it to me. They say they previously sent it to me but I have not received anything. In my recent complaint about them through consumer finance they said they sent me a notice in 2013, but I never received the notice and invoice they say they sent to me. 
I am disputing this debt because I am not being given enough information to figure out what these charges are specifically for. I gave XXXX of XXXX XXXX the proper notice, letting them know I was moving at the end of XXXX of 2013. I believe they are trying to charge me for rent after we moved out. There should be no late fees because I provided notice. What is the misc Fee XXXX? Why is there a XXXX Charged Owed? Why am I being charged {$430.00} for rent - for what time period? How is this being calculated? What is the prorata amount and how many days am I being charged for? Why is there a utility reimbursement for trash, sewer and water? Where is the proof that XXXX of XXXX XXXX assigned this collection item to XXXX XXXX? How did they verify with XXXX of XXXX XXXX that these charges are valid, legitimately owed, and properly calculated? Did they simply look at a statement and take it as face value? How do I know they are licensed to collect in the State of Ohio where I reside? They have n't provided me with their license number and registered agent as I requested. I want this item removed from my credit report because it is an unvalidated debt. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX 2015, I disputed unauthorized inquiries with Transunion. I never received a response. When I called they said I needed to call the creditor and that I did not provide evidence so they will not investigate. My issue is some companies numbers are out of service and other companies told me to dispute it with the credit agency and they will respond to the credit agency to have it corrected. The problem is this is damaging my credit worthiness and if it is inaccurate why is it allowed to stay there. They refuse to investigate inquiries even though the companies told me that they do not have a record of my applying for credit. This is an unfair practice creating damage to my life and the children I care for, when something that I am alleging is wrong will not be investigated. I believe if I request an investigation then they should be required to investigate as it is damaging my credit that I am in the process of repairing. If this is how consumers are to be treated then before something goes on my credit, I should be notified and have it taken care of right then and not later that causes the Trans union refuses. This is the only company out of the XXXX companies that does this. Is this not illegal, is this a fair practice? 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a phone for awhile they were charging for things I did n't want. They cut me off and popped up on my credit reports. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In XX/XX/2007 i bought a new pickup and financed it XXXX XXXX. On the financing contract XXXX stated that if the contract was assigned to another lender then we XXXX the new lender and I had to sign the new financing agreement, because we could negotiate the new interest rate. One month after we signed contract, XXXX Bank bought XXXX XXXX but they did not comply with the assignment terms of the contract. XXXX was caught laundering XXXX XXXX dollars in drug money, Wells Fargo bought XXXX and Wells Fargo sued me even though XXXX or Wells Fargo did not have any contract with me they did not have standing to sue me in any court or any right to take my property the XX/XX/XXXX truck. The republican judges in Texas all the way to the Supreme Court of Texas just ignored my pleadings. I have a copy of the contract it can still be read even though it was shrunk down when Wells Fargo filed it in court. More damage that Wells Fargo continues to do is even though they never had any contract with me, they report to XXXX XXXX I owed XXXX about XXXX this on my credit report makes it almost impossible to restart my business. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX use my XXXX ( provided by Wells Fargo bank ) card number ( ending in XXXX exp XXXX ) for recurring charges. 
Since card ending in XXXX expires on XXXX Wells Fargo card company send another credit card ending in XXXX exp XXXX. 

But XXXX has old card number ( ending XXXX and exp XXXX ) on their file. I never updated billing card information in XXXX. Neither I activated new card ( ending XXXX ). 
But still Wells fargo accepted credit card charge from expired card. 

I was sure that since the card has expired XXXX will not be able to charge using old card information. But Wells Fargo card service has accepted the charge on XXXX and XXXX. Since I did not use this card anywhere I did not pay attention to Wells Fargo card account. Hence I miss payment. On XXXX I got billing statement and found that I owe {$91.00} with the late fee of {$27.00}. 
I contacted company customer care and they inform that since my account number remain same they will accept the charges from expired credit card. But when I check my new statement account number it ends in XXXX. 
My question is will credit card company accept the charges on expired credit card. 

Company response: Company chooses not to provide a public response
Consumer complaint: I married my wife and took all the proper documents down to child support agency in XXXX, WI they are still trying to enforce I owe for our children each month, and then put it on my credit report, as if I do n't take care of mine! 

Company response: Company chooses not to provide a public response
Consumer complaint: on XXXX/XXXX/2015 i settled a debt with Harvard Collection who acted on behalf of XXXX XXXX XXXX. A negotiated amount to settle the debt in full was {$620.00} which was paid. Payment cleared my bank account within 3 business days. At that point the representative, XXXX promised a letter in the mail within 2 weeks showing the balance has been settled and credit reporting within 30-45 business days. As of today, i have not received a letter or this payment has not reflected my credit score. My credit report still shows a balance due on this account which was reported in XXXX 2015. XXXX is falsely billing me and when i settled the debt with Harvard Collection as payment in full. This is affecting me from purchasing a home and after numerous calls to Harvard i am being asked to file a consumer complaint. No one seems to take responsibility of the actions and its not only affecting me financially but emotionally also. It is hidious how companies can abuse consumers in such a manner. Due to divorce i had to let the account lapse but did step up to my responsibility and paid the debt that was settled between Harvard and I. If debt settlement is just a sceme to scam consumers, please let me know so i know in the future to deal with the issues in hand then try to do the right thing. 
I want a letter showing my debt is settled in full and this to be reported to the credit agency so it can reflect my credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased furniture with a Fortiva credit account -- that is listed as a credit card -- even though I have never been issued a " credit card. '' My account is posting me 30 days delinquent on payments received within a 30 day time period. I have disputed these items with all XXXX credit bureaus and received a reply from XXXX that account has been updated -- but the only note was to contact creditor. I provided XXXX with my payment history from Fortiva 's website verifying my payments. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My ex husband was a XXXX. He drove to work and parked on XXXX and XXXX XXXX and everyday he received a parking ticket. He hid everything from me, and when I found out I made him promise that he would pay it. When we separated in our separation agreement we noted that it was not my responsibility to pay the debt and that it was his responsibility. The agreement was signed and notarized, making it a legal document. He has not paid a cent toward the balance and it is on my credit. Because he legally took responsibility of the debt that he accrued in my car that was registered to my name, I would like to remove these infractions from my credit report. I have attached a unsigned copy of our separation agreement. If the signed XXXX is needed please advise me and I will have my attorney forward it to you. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: THIS DEBT WAS PAID AND IS STILL SHOWING UP AS A NEGATIVE MARK ON MY CREDIT REPORT I WILL BE REPORTING AS A FAIR DEBT ISSUE TO THE TRADE COMMISSION. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a debt from First National collection that I am not aware of and it looks like fraud. I do not have XXXX and never opened an account. I have moved from the XXXX in XX/XX/XXXX and lived at a friend on XXXX in XXXX from XX/XX/XXXX to XX/XX/XXXX. 

XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a tax lien on my Experian credit report, lien does not appear on any other report. 

Company response: Company chooses not to provide a public response
Consumer complaint: We just received a request for payment of our mortgage from a new lender, so our loan must have been sold. However, we just sent XXXX payments ( the additional payments will go towards principal ) to Bank of America, not knowing they sold the loan. What is our best course of action? We do n't have the cash on hand to make a payment to the new servicer, how do we get the money from BoA to the new company? Is there a way to block loans from being sold? The new servicer is called XXXX, is that a reputable company? 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello, I have disputes with XXXX different companies to remove derogatory items affecting my credit score. 
Prior to this issue my credit score was XXXX. 
I desire to get my excellent credit rating back on track. 
I feel like I am being bullied by these companies and have tried everything I know to do with no results. 
I am disputing the following : Below is a full description and resolutions of what is required to receive an XXXX credit score, time is of the essence, I desire to purchase my dream home in XXXX. 
The merchant accounts amount as follows : XXXX XXXX $ XXXX XXXX XXXX {$1200.00}. 
Both XXXX and XXXX XXXX have passed that statue of limitations to collect a debt in New York and XXXX. 
Resolution : They must remove this off my credit. 
& XXXX ; Dispute Explanation & gt ; Item XXXX and XXXX was my credit card processing and equipment companies. I closed my company in XX/XX/XXXX which obviously I needed the equipment. I contacted the companies that I closed my businesses and never heard anything from them until XX/XX/XXXX, when they put the the negative items on my credit report. 
& gt ; XXXX : I want both of these charge-offs removed. 
& gt ; 1. XXXX & gt ; XXXX XXXX XXXX XXXX. 
& gt ; XXXX PA. XXXX & XXXX ; 2. XXXX XXXX XXXX & XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX & gt ; XXXX, Il XXXX & XXXX ; XXXX XXXX XXXX XXXX & gt ; 3. XXXX & gt ; XXXX XXXX XXXX. 
& gt ; XXXX OH XXXX & gt ; XXXX XXXX XXXX XXXX & gt ; Dispute Explanation & gt ; XXXX is stating that I was XXXX months late which I was n't and it confirms I was not on my credit report. According to their credit policy a late credit reporting is only done when a person is XXXX months late not XXXX days late. 
& gt ; Resolution : I want the XXXX day late report removed. 
& gt ; & gt ; XXXX. XXXX & gt ; XXXX & gt ; XXXX, FL XXXX & gt ; XXXX XXXX XXXX XXXX & gt ; Dispute Explanation & gt ; XXXX which issued my XXXX. I had a XXXX balance with this company and they took the liberty to check my credit score and made an executive decision to close my account which adversely affects my credit score. 
& gt ; Resolution : I want my XXXX XXXX re-opened because they did not have permission to check my credit score after my credit card was approved. 
& gt ; 5. XXXX XXXX XXXX & gt ; XXXX XXXX XXXX XXXX. 
& gt ; XXXX XXXX South Dakota XXXX & gt ; & gt ; XXXX XXXX XXXX XXXX & gt ; Dispute Explanation & gt ; Years ago I closed this credit card with a XXXX balance. 
& gt ; & gt ; Resolution : I want this credit card removed from credit report because the closed credit card like the XXXX card being closed adversely affects my credit card. 

Thank you 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, I received a phone call at work with some one stating that I owe a debt. I have received nothing in the mail from this company ( XXXX ). After informing them that I have n't received any thing in writing they stated that they emailed it and it was valid. I Informed them that I require every thing by mail. I have yet to receive a debt collection notice. On XXXX XXXX XXXX called at XXXX XXXX. After informing them of the time, they said it was XXXX in XXXX. After verifying my address, I informed them that I was a legal resident of XXXX and all phone calls need to be in the timezone in which I reside, not where my cell phone number is from. I have yet to receive a letter stating that I owe a debt. They have also failed to provide me with proof that they are a licensed debt collection agency within the state of XXXX. There has been nothing changed on my credit report, and to my knowledge I do n't owe any one. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I purchased a brand new XXXX, side by side, refrigerator in XX/XX/2015. The ice maker quit producing ice in the month of XXXX, but because of the cold weather, we were unaware of this fact. The following month the refrigerator was not cooling properly and we notified XXXX directly. They ( XXXX ) sent a repair tech out to our home XXXX different times and he replaced the ice maker. BestBuy Consumer Credit company was contacted and a dispute was initiated. They have denied the dispute because I did not purchase an additional warranty through BestBuy 

Company response: Company chooses not to provide a public response