AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: On XX/XX/2015, my husband and I received a Notice To Impose Claim in the amount XXXX and took the deposit of XXXX for a final water bill of {$100.00}, carpet replacement XXXX, XXXX trash removal of XXXX couches left outside of apartment, XXXX steam clean title, XXXX Rent credit for a balance due of {$1300.00}. We were told in the notice if objected with the balance to write them in writing within XXXX days. I responded to their charges informing them in writing that we did not agree with certain charges such as the removal of the sofa, steam cleaning the tile and replacing the carpet and to use the surety bond to pay for the water bill which was explained to me as my deposit they can claim against if need be after moving. We never received there response and instead received a letter to pay the amount of XXXX and a separate debt collection of XXXX dollars for the surety bond. I called and spoke to a rude and non sympathetic woman by the name of XXXX XXXX in regards of this matter and explained to her the same information back in XXXX in regards to the amount of XXXX. She refused to hear what the issue was and stated we should have scheduled a walk through upon moving out the apartment. I explained to the woman that per the lease we were entitled to the walk through but was denied a walk through the day my husband came into the office to report someone had placed couches outside our building and did not want to be accused they belonged to us. I called this morning about the debt in the amount of XXXX and the same debt collector in regards to the XXXX because it has been reported to my credit report without any consideration of what I disputed. I do n't believe its fair to make someone pay for something they are not responsible for and without any evidence showing that we were responsible to replace their carpet or pay for removing items that did not belong to us especially without evidence. I lived in that community over 4 years and they have never provided a walk through for any tenant who lives there before moving out. I feel like they have taken advantage of us and now is out to ruin my credit. XXXX XXXX even went as far as saying to me this morning to say if you are not calling NCAC to pay this debt then there is no further discussion, this debt will just remain on your credit report for 7 years. I ffeel like the property management company XXXX XXXX managment did not have adequate information to or legally charge us with a debt without verification and validation as they are suppose to provide. It is unfair and unjust for any company to abuse their power to gain money by reporting debt that has not been legitimately verified. I 'm sure we are not the only ones that have been treated this way. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I filed a complain against XXXX XXXX in regards to my daughter XXXX account. My contracted had ended and I refused to do a re-contract with them because of their poor business ethics. The closing balance was reporting as oweing {$1300.00} on my credit report. I contact them numerous times in regards to the balance. I was told that after auditing itemize the account it will be corrected. After Auditing was done they end up owing me money. Upon several month there was no changes made. So I then disputed the amount with the Credit Reporting Agencies. So instead of updating the account XXXX XXXX deleted the entire account as if it never existed. I called them XXXX different times as to put it back they keep telling me that is has been taken care of. They keep saying that they did it, its now up to the Credit Agency. I check Transunion this morning it still have not been placed back. Please keep in mind that this has been going on since XXXX 2014. I called today and they told me that they ca n't put it back because I request that it be removed. Why would I do that if it was a paid off account? So I then called to speak to a Supervisor. The XXXX says that its best to have it deleted because it was paid late. This account was not in late status I have proof from the documents I give to the XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: 1. Hospital visit XXXX XX/XX/XXXX2. My employer provides health care at 100 %. My XXXX XXXX company is XXXX3. XXXX paid the medical bills5. Then, in XX/XX/XXXX a collection agency, XXXX XXXX XXXX, placed a negative item in my credit report stating I had not paid the doctor. 
6. I call the doctor. They state that their accounting firm at the time went out of business and sold its accounts to a collection agency. 
7. We send an email to the Manager of the collection agency and spoke with his staff. They state they do not have the actual invoice which was not paid, only an entry in the database they received from the defunct accounting company. 
8. The item is removed from my credit report. 
9. In XX/XX/XXXX a different collections agency, Commonwealth Financial, places the negative item back in my credit report. 

Commonwealth Financial has this error in a database which they got from XXXX XXXX XXXX, which got it from the accounting firm which went out of business right after we used the doctor and XXXX paid the doctor. 
It seems that there is just a big scam where XXXX accounting firms sells accounts to another agency which further sells it to another firm, when in fact the first company had already been paid by the insurance company. XXXX collections agency scams another agency, which then scams another, when in fact there is no debt to collect as the initial firm received payment years ago. 

My credit score is hammered each time a collections agency buys the account from another XXXX and puts this incorrect item in my credit report. 

I need your help to stop this once and for all. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I submitted a payment through the credit card website. The credit card already had all my checking account and routing information saved, since I have made payments in the past with no issue. I bank with a large national bank and I know none of my account information has changed. My payment due date was XXXX/XXXX/2015 and I made my payment on XXXX/XXXX/2015. If I did not religiously check my checking account and see the payment was not posted, I would not have known that there was a problem. I contacted my financial institution ( not the credit card company ) and they stated they did not receive any debit requests on my account. So I know it was not my bank, but the credit card company that was having the issue. I did not receive any communication or notification that there was a problem with the payment. So not only was I not notified that there was a problem with the payment, but the credit card company charged me a fee for a returned payment. This credit is a Macy 's Credit Card issued by Department Stores National Bank. I submitted XXXX inquiries through their " preferred '' communication channel. The XXXX inquiry was submitted four days ago and I have received a response. The XXXX inquiry was submitted 24 hours ago, again no response. I feel that this is a deceptive and abusive practice on the part of Department Stores National Bank ( Macys ). This is blatant attempt to increase fee revenue on a customer that pays their bill in full and on time. I could understand if I entered the information incorrectly ; however, this is not my first time making the payment through their website debiting my checking account. All previous payments posted without an issue. And the lack of any communication/notification means they are trying the hide the fact that they made an error and charged the customer a fee. Typically, people will only check their account when the statement is generated. By then, most individuals are accepting of the fees and do not realize that they were also charged interest on the unpaid balance. This is Department Stores National Bank 's greed coming into play. 

Company response: Company chooses not to provide a public response
Consumer complaint: I financed a truck with ALLY at the end of XX/XX/XXXX. It was my understanding that payments would begin in XX/XX/XXXX, but I did not receive any paperwork from ALLY. In early XX/XX/XXXX, I received a phone call on my cell phone ( not my preference because I have a severe hearing loss ) while out of town with a very rude service person demanding to know where my payment was. I clearly stated that I had not received any information from ALLY, and that intended to pay as soon as I knew all of the particulars. In the end, I made a payment over the phone and made it clear that I owed no late fees because of ALLY 's error. Since then, I periodically receive late fee notices that are now nearly the amount of a payment. I have written to dispute this error repeatedly and in XX/XX/XXXX checked my credit and ALLY has listed me as XXXX thirty days late on a payment. I have never been late on a payment and have it set up with my credit union to automatically pay ALLY every month on the XXXX. ALLY calls and tries to force me to use their check service for my payment which charges an additional fee, and I tell them repeatedly that my credit union does not charge me any fees and it is automatically deducted from my checking account. Now, I got a credit alert that ALLY has listed me as being late on XXXX payments! This is totally untrue and my credit score has dropped by XXXX points! I want the late fees removed from my account and my credit deleted of any late payments. 

Company response: Company chooses not to provide a public response
Consumer complaint: Car was a lemon and was returned 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I subscribe to Experian 's Credit Monitoring Service. 
They send me ALERTS when things change as they relate to my credit score. 
I received an alert this month that said my Experian FICO credit score had changed. 
Upon logging into my Experian credit monitoring account it said that " my scorehad " dropped '' by XXXX points ''. Their service had previously alerted me that my score had increased in XXXX 2015 by XXXX points and increased again in XXXX 2015 by XXXX points. I was reasonably alarmed as to what was causing such a dramatic drop after two months of moderate increase and " NO changes to my credit profile at all, no new accounts or lines of credit, no missed payments etc ''. There is nothing at all that has occurred that could explain this. Their system asked if I would like to " order a report from all XXXX bureau 's '' which incurs an expense to me, but I did so to seek explanation for the sharp decline. Upon looking through all the reports thoroughly, there is NOTHING there that would explain it or indicate ANY reason for a decline. I called Experian spoke with a customer service rep ( XXXX ) and his manager ( XXXX ), neither of which could make any reasonable argument, make any sense or give clear explanation for the dramatic score decline. 
Also, XXXX and XXXX both maintain my high score at XXXX. So ... it is more than curious that Experian " the ones doing the monitoring - drastically cut the credit score, then send their consumer an alert to generate concern so that they buy a report so as to investigate '' and then consequently have no reasonable explanation for why such a dramatic decline too place. I can only speculate that this is part of their revenue generation algorithm. 
It raises serious concerns over the credibility of Experian 's score keeping policies and practices. They need to be investigated. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a message from a family member that XXXX associates were trying to get a hold of me. I called the company with the correct case # and the gentlemen ( who did not provide his name ) asked if I was me by name and I said yes. I asked for the company name and he provided then started to go into details of a debt that I am unsure of without letting me know it was a debt collection call. I asked for info to be mailed to me at my address on file. He started to get hostile and claimed I have already received notices and kept trying to verify personal information. I claimed I have not received any notices and he asked why have n't I been paying my bills then. I told him I do n't have an account from the company they claim is the original creditor and to send me proof by mail. He kept trying to get me to verify personal information and I told him I am not verifying any personal information on the phone and he hung up on me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had a credit card with XXXX XXXX XXXX XXXX XXXX which was charged off i have a payment arrangement with XXXX i keep getting letters from XXXX XXXX XXXX XXXX i tried to contact XXXX XXXX XXXX letting them know this is being taking care of by XXXX and XXXX, they still keep sending me letters i even faxed a copy of the letter i reveived from XXXX XXXX XXXX. that did not stop them also, i am fedup with them please help me. attached is a copy of the letter from XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: There are XXXX accounts on my credit report that are not correct ... XXXX Bank master card ... never had XXXX ... .XXXX ... charged for an item not received ... XXXX..acct. paid off over six years ago and equipment turned in ... do not owe any balance 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for a Affordable Modification Program on XXXX XXXX / XXXX my Mortgage XXXX named : U.S. Home Mortgage Bank ( my Relationship Manager is, XXXX XXXX ). I have placed severalcalls to get my status to find out that it is still in Gate Keeping. I amconfused of how long this process is taking ( approaching four months ) as I have been told it has not reached the Underwriting department. 
I need assistance with who ever is in control to investigate to find outwhy this process is taking so long. My reason for applying for thisModification is due to loss of job and finding new employment witha much lower salary then what I was making when I XXXX took out theloan. This is a Hardship on me to carry all of my financial obligationsand make my high mortgage payment on time. Clearly, if they reviewall of my financial statements that I included it will prove that my salaryis much lower. Please Note : Each time there has been a request fornew documents, I have submitted them immediately in hope to movethis process along. Please put me in touch with someone that canassist me in this critical request for financial relief. 

Company response: Company chooses not to provide a public response
Consumer complaint: This company said they sent me XXXX letter over 15 months ago with information about a debt. I do not have record of it. After repeated attempts to contact them, they were purposefully withholding information about the debt from me ( telling me to contact my insurance or the physician ). They would not send me any more information without my first sending them a written request, even though they verified my identity on the phone. 

After multiple phone calls with them and disputes, they never returned my phone call. They claimed to have contacted my physician to see whether the debt was still outstanding, but never followed up with the physician or myself. Every month, they keep reporting that the debt is unpaid, even though it was paid before they received the collection request. 

They have terrible communication tactics, bad policies that do not make it easy for a consumer to obtain information about a so-called debt, and do the bare minimum ( of contacting people XXXX time then never following up ) on trying to resolve a dispute. 

They did not let me speak to a manager or someone who had authority to give me any information about the debt. If I ca n't get this resolved, it will cost me tens of thousands of dollars because it 's adversely affecting my credit score and I 'm applying for a mortgage right now. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received a letter from a credit card co. that my account was closed because it was past due, but I was unaware of a balance because they stopped sending a statement, and they did n't send an e-mail notification either. I paid the outstanding balance, which included {$99.00} in fees plus interest, because I thought it may have been my error, but after researching the matter realized it was n't. now they say because the account is closed and the balance has been paid off they ca n't refundthose fees. I have always up to that point paid my bills on time. This has had an impact on my credit rating. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was sent emails about a debt that they claim I owed to XXXX.com. I responded back that I am willing to clear this debt if I can make installment payments. They said if I could make a payment ASAP they would settle for XXXX of what is owe. The issue I had was that I asked for official documentation stating the original amount of the loan and how much is owed. They could n't give me the information until after the amount settled for is paid. And another thing they wanted me to send money my XXXX to an " employee '' instead of to the company, 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: On XX/XX/XXXX, I received my credit report from XXXX. On XX/XX/XXXX, Transunion opened a dispute I had with Accelerated Financial Solution aka/ AFS. On XX/XX/XXXX, I received a response from XXXX showing both accounts with AFS were verified, no change. Total amount supposedly owed on XXXX accounts totaling {$690.00} account # 's XXXX & XXXX. 
On XX/XX/XXXX, I submitted another dispute claim with XXXX stating again I had no knowledge of this debt and did not owe them any money. Furthermore, why would a business make XXXX separate loans at different times totaling {$690.00} when the XXXX loan was n't paid. I have no idea when these loans were initially opened. Also, I made a request to cease and desist any further collection action. 
On XX/XX/XXXX, I received a response from XXXX which state the exact same comments from XXXX, verified, no change. Their correspondence dated XX/XX/XXXX. 
I received XXXX collection letters from AFS dated XX/XX/XXXX in which there advised me of the debt and I had 30 days to dispute the debt. It also showed on their letters accounts were purchased from XXXX XXXX XXXX. Prior to their letters I had received no collection correspondence or phone calls from either business. 
On XX/XX/XXXX, I contacted AFS and spoke with a person named XXXX @ XXXX. I explained my contacts with XXXX and my dispute with his business. He seemed very unconcerned and kind of smart attitude. Told him I was going to sue for harassment infringing on my rights. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have asked this company multiple times for a copy of the contract that they said i signed. I have offered to send a copy of my drivers license to show i didnt sign for or authorize services with XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: To whom it may concern : I am writing in the hopes of correcting some errors on my report. Experian has sent me XXXX different credit reports, with XXXX different names, although I have legally changed my name, and provided them with the legal document, provided to me by the Common Wealth of Massachusetts , Trail Court, Probate and Family Court, XXXX Division, on XX/XX/XXXX. The reports with the names XXXX XXXX, and XXXX XXXX, share the same information, which have many errors. The report with my current name, XXXX XXXX, does not show the same mistakes and I need to make them aware that these reports all belong to the same person. In the reports with my past names, it states that my spouse or co-applicant is XXXX, which is an error. I am not married. I was briefly married to this person but the marriage was annulled due to fraud. Therefore I need the name to be removed from my report, as it is incorrect information. Also, the report erroneously reports that I have lived at : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MA XXXX. I have never lived in XXXX, MA. The report with the name XXXX XXXX does not show the XXXX address or the spouse/co-applicant, as XXXX. 

I legally changed my name because the credit reporting agencies continued to link my accounts with those of my mother 's and sisters but now it seems they are mixing up my names. I was born, XXXX XXXX, my mother later changed my name by adding her last name, changing it to XXXX XXXX. Due to all the issues with our linking accounts I removed my mothers last name and changed my first name. My legal name is XXXX XXXX, and I need my report to report the correct information under my legal name and not past ones, that I no longer use. The XXXX report shows my previous name as XXXX XXXX, but my XXXX XXXX report only shows XXXX XXXX under my names used in the past and I am very concerned that since the reports provide different information they think they are dealing with XXXX different people. 

Finally, my Student Loan Corp, which were transferred over to XXXX XXXX XXXX XXXX are reported as past due since XX/XX/XXXX, which is wrong, since my last payment was XX/XX/XXXX, but I pay the loan monthly. These XXXX loans, shown on my XXXX XXXX credit report, on pages XXXX and XXXX, have been transferred to XXXX Bank and are paid monthly, and never late. I have been paying these loans for more than a year and they are reported incorrectly, as past due. 

Thank you for your attention in this matter. 

Sincerely, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: i paid XXXX in fullDelete the XXXX credit record ( # XXXX, opened XXXX ). 

XXXX XXXX XXXX Installment XXXX CREDITOR : XXXX CREDITOR : XXXX XXXX REPORTED DELINQUENCIES : XXXX PAIDPAID COLLECTIONCOLLECTION ACCOUNTCollectionAttorneyClosedunt 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX has placed XXXX credit inquires on my Experian credit report in XXXX, XXXX, and XXXX 2014. 

Company response: Company chooses not to provide a public response