AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I am a member of USAA Savings Bank. I have a USAA Secured Visa Credit Card secured by a CD with USAA. In XXXX 2016 I reported my Credit Card stolen. The card was shut down and a new card issued for this account. Ever since that card has been shut down I am showing XXXX separate accounts in my credit reports. XXXX my current and authorized account and XXXX an the unauthorized and fraudulent account that is being actively updated in my credit report monthly BY USAA. When I asked USAA they say that they do not see the unauthorized account in their systems, they can not pull up historical info on the account that had the unauthorized activity, and they do n't seem to think it is a problem to have XXXX separate account being reported as active when there is only XXXX account. All I want is to remove and stop reporting the stolen account as my active account to the credit bureau. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: XX/XX/XXXX XXXX The following account does not belong to me, and this is stopping me from getting a job. 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently pulled my credit report I found Bank Of America reporting a charge off as an authorized user the acct was opened XX/XX/XXXX and closed XX/XX/XXXX I never authorized anyone to put me on that acct please have them remove it aspa. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have not had a XXXX phone since early 2007. I have tried to resolve my bill in the past but XXXX XXXX XXXX keeps reposting an old bill. I have no way to provide financial info from 8 years ago and they know that so they want me to prove it to them but I have no way to do that. Is there anyway to get XXXX to find out how old it is. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have never been or never will be XXXX XXXX, I have written to the agencies before to no avail. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I filed a dispute with TrasnUnion contesting the fact that when I contacted the agency XXXX XXXX XXXX, they were unable to provide a financial statement spelling out how much I owe, the terms of payment, etc. I attempted to call directly the timeshare company, which is NOT the agency reporting, and was transferred to another collection agency, a different timeshare agency etc. Still nothing in writing explaining the reporting on only TransUnion account. I was told by TransUnion they are satisfied with XXXX 's electronic response of " the information is correct '' and they are satisfied closing the dispute. 
Am I not entitled to receive written information from the agency filing against me? There was no reporting since XX/XX/XXXX, and then XX/XX/XXXX states 120 days past due. 

Company response: Company chooses not to provide a public response
Consumer complaint: OAC is contacting me about a fraudulent account that I have told them was fraud, they are now reporting the info to my XXXX report that is a result of id theft in violation of FCRA Section 605b. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: still after years of recorded payment with former employee, my wages were garnished in the amount of @ XXXX XXXX dollars collected/represented by an attorney who I believe did not report my garnish wages. 

Company response: Company chooses not to provide a public response
Consumer complaint: I paid {$1.00} for a credit report from EXPERIAN and have been billed {$14.00} for the last 8 months without my clear understanding that this was what I was agreeing to on the day I paid for the {$1.00} credit check. This was not clear on the web site that offered a {$1.00} credit check, all they were really doing was phishing for my CC number to scam {$14.00} from me as long as they could before I caught it. This is deceptive and predatory aimed at the elderly and young and needs to be stopped and they should be criminally charged. 

Company response: Company chooses not to provide a public response
Consumer complaint: TRANSUNION IS REPORTING A VACATED JUDGEMENT ON MY CREDIT REPORT PLEASE REMOVE THIS ASAP.ENCLOSED IS THE COURT RECORD SIGNED BY THE JUDGE TO VACATE IT. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX Remove fraud alert from my credit profile 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Dear President Obama, and CFPB : I am writing you to plead for assistance. XXXX individuals like myself are facing a student loan crisis and although we are hardworking people we do n't earn enough to eat. Two and a half months ago I obtained employment after being laid off and unable to find work. Prior to XXXX 2016 I was residing on the streets and utilizing food kitchens to eat. Last month I began receiving calls at work from the Student Loan Collection Company General Revenue Corporation and as a result was put on verbal notice by my employer that any further collection call at work and I would be terminated. I informed General Revenue Corporation that I just began work 2 months ago and did not have the funds to pay them. On XXXX/XXXX/2016 I received notice that my wages are going to be garnished. I was informed by General Revenue Corporation employee XXXX XXXX that they did not need court permission to garnish my wages and it would be going into effect immediately. 
I currently make {$16.00} an hour and after the state takes my retirement, federal, state taxes, and health insurance I take home about {$1600.00}. After being homeless for quite some time I finally obtained an apartment in which I pay {$700.00} a month and {$200.00} in utilities. I am currently on payment plans with the Internal Revenue and State of Arizona for messing up on my taxes while I was homeless. I owe over {$50000.00} in student loans. The loan with XXXX/General Revenue Corporation is XXXX of XXXX student loans. The payment for the first Navient loan is {$320.00} and the second Navient loan is {$110.00}. The {$200.00} I have left does n't cover my food for the month because I use the money to put gas in my vehicle to get me to work. 
I currently do not make enough money to pay living expenses and all my debts. I am an example of the working poor. I have a job but do not have money to buy food. I do not qualify for state assistance anymore because I work and they do not take into consideration that I have many people in the process to garnish my wages or the bills I pay. 
When the garnishment from General Revenue Corporation goes into effect I will have to quit my job. I will not have money left to put gas in my vehicle to go to work or pay for any necessities. I will essentially be working for free at least when I was living on the streets the state was willing to provide me with medical coverage. I know that there are XXXX people like myself who do n't have money to eat because of their student loan debt. We have no options and nowhere to turn. I am requesting assistance. 
Warmly, XXXX XXXX Cc : Presiding Judge over case # XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Back owned a heloc loan on our property. They sold to XXXX a sub of bac. They wrote the note off because we did not repay this loan in 2012. Now we understand XXXX financial bought the paper and is trying to get payment. It shows on our credit history it was written off. XXXX now has started trying to collect. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Scott Lowery Law office contacted me about a alleged debt that supposedly I owe, I immediately responded back by mail to dispute the debt and to obtain verification and proof that I owe this debt. The paperwork that they sent back to me was arranged in a matter to represent a court filing and had my local courthouse name and address on it but no case number. 

The documentation provided was obviously forged because the contract they sent had multiple signature dates, no signatures and other fabricated. documents and documents with no reference to the original account number and no direct link to me as the creator of the debt. I sent a certified follow up letter disputing the information that they provided and have not received a response back yet. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was given a notice to vacate XX/XX/2015. I paid for XX/XX/XXXX then vacated XX/XX/XXXX. I have proof of payment on my bank statement of this transaction on XXXX/XXXX/2015. I am now being asked to pay {$3100.00} for early termination fees along with rent due when it should be {$1900.00} because I paid a full month 's rent of {$1200.00} for XX/XX/XXXX just before I left on XX/XX/XXXX. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I am filing this complaint because experian has fail to provide me with the documents that their company has on file to verify the accounts i disputed. Being that they have gone past the 30 day mark and can not verify these account under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information that can not be verified. '' that i have disputed. Please resolve this matter as soon as possible 

Company response: Company chooses not to provide a public response
Consumer complaint: I started a new job with Sam 's Club ( XXXX XXXX, XXXX, MI ). During orientation we were told that as new employees we were given a free basic membership but we at the same time we were being encouraged to open a more advanced Membership called a PLUS Membership for an additional fee of a deduction of {$2.00} taken out of our pay every week. We were also encouraged to open a Master Card Membership which would again offer cash back rewards for using this card. Since I 'm looking to rebuild my credit score, I had lost who lost not only my job but also my home of 24 years in a robo signing here in Michigan. I had a credit score of XXXX when I was forced into bankruptcy protection back in 2010. Up until I applied for this Sam 's Master card I have never been denied for a credit card. And this time not only was I denied a Sam 's Credit card approval, but they in turn automatically gave me a personal line of credit for {$1200.00}. I was shocked and said, " no thank you '' to this line of credit. The response back to me what that it was automatically done, that the line of credit had already gone through and that I 'd be receiving a credit card along with an explanation as to why I was denied the Master Card. When I repeated that I did not want the line of credit and said I think I was SLAMMED with a credit card and I think this is a problem. I explained that if I cancelled that line of credit that it would go against my credit rating.The person at the Sam 's Club Membership Desk stepped back, held her hands out, palms facing me, XXXX fingers spread, as if to say hey lady! and continued to say " it 's not me, it Synchrony Bank, the creditor. '' 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX , XXXX, changed account numbers on previously discharged accounts and is now reporting the fraudulent accounts as current with outstanding balances. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX dob XXXX/XXXX/XXXX SS # XXXX XXXX XXXX XXXX, XXXX unauthorized inquiry Has agreed to remove the inquiry from my Transunion report I did not apply and have no credit with these people. Delete XXXX for my Transunion report my id is attached please verify my id and signature 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I was told by my son 's school that we did n't qualify for a federal loan, so we got a private loan. He 's our only son ; never gave us an ounce of trouble, wanted to go to college and my husband and I did whatever it took to get him a college education. By XXXX grace, our son graduated XXXX 2015. My husband and I co-signed on the loans and the total amount that we are asked to pay back each month for XXXX loans is over {$1800.00} a month. That 's more than I make a month. There 's no way we can pay that much each month even if we sold our XXXX bedroom home and lived in a box. I 'm currently in deferment with Sallie Mae but the days are coming fast and they 'll be calling demanding the {$1800.00}. From what we 've heard, we 'll be paying Sallie Mae the rest of our lives, so all I want them to do is significantly decrease the monthly payment, making it affordable for us. We have every intention of paying the {$180000.00} ( yes you read correctly ) {$180000.00} for a show production degree that only pays $ XXXX/hr for my son. We just need help in getting the {$1800.00} reduced. Thank you! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX XXXX, 2011 the Kohn Law Firm S.C of XXXX, WI on behalf of XXXX XXXX XXXX, with debt that was bought from XXXX XXXX. Had a judgement place on me for the amount of {$4800.00}. 
My credit amount was {$500.00} and by the time of the judgement it was {$4800.00}. I just received a letter state that I now owe {$7600.00}. I my understanding that XXXX and XXXX have had complaint and action take against them in last year about how they handle debt collection. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I requested TransUnion to investigate th following addresses as not mines : and Tranunion refused to do so. 
I sent a copy of my FL State Driver 's License and my FL State Concealed Arm permit SSN : XXXX DateofBirth : XXXX/XXXX/XXXX NamesReported : 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 AddressesReported : I also requested that the below telephone number be deleted as not mines : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Again Transunion refused to investigate and/or delete the above telephone numbers. 
The FCRA mandates that ALL credit information in a consumer 's credit file being reported by a CRA to be accurate. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX PA XXXX XXXX XXXX XXXX Was paid in full XXXX of 2015. Zero Balance. I called the XXXX XXXX XXXX, and they told me I was paid in full and the only way to have it removed from my credit report is to report it to the XXXX Credit Bureaus. I did and the account is still in collections on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: My wife bought a XXXX Subaru Forester at a dealership in XXXX, Massachusetts. The dealership submitted a car loan from Ally Financial with a high interest rate. 
My wife 's name is XXXX XXXX XXXX and she is from XXXX. Because of the high interest, payments were difficult. The XXXX Subaru Forester was ending up being towed for missing payments. My wife, XXXX, was angry at me but we finally got the money for the tow and storage fee and the back payment to get the car. 
I now have read the Justice Department and Consumer Financial Protection Bureau article by XXXX XXXX of XXXX XXXX regarding the XXXX to settle the minority car loan discrimination probe. In this article it stated that we would not need to do anything. That we would be notified. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I recieved a call from a girl named XXXX. XXXX Company is : Central Portfolio Control XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, MN XXXX TEL : ( XXXX ) XXXX FAX : ( XXXX ) XXXX Advised that she is a " licensed debt collector ''. Stated I owed over {$500.00} to a XXXX I opened up back in XX/XX/XXXX and closed it XX/XX/XXXX. I asked for the CC company 's name and she would not give it to me. I then asked for more information to verify if I actually owed money but she became aggressive and insulting. The call ended quickly. 

Company response: Company chooses not to provide a public response
Consumer complaint: I submitted a dispute with all XXXX credit bureaus ( Transunion/XXXX/XXXX ) informing all parties such as the Credit Bureaus and the creditor that these accounts does not belong to me due to been a victim of identify theft during XXXX data benches. After notifying the credit bureau via online disputes/phone calls/letter notification I continuously receive notification stating " verify ''. I requested supporting documents from both parties requesting signature, contract, state license information and etc. Under the Fair Reporting Act I understand my rights as a consumer and verify the matching of my name and social does not coincide with verification. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate with accurate documentation be provided. I have submitted a claim with Federal Trade Commission regards to this issue. It is my right If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: NCS agreed to remove a debt listed on my credit report in XX/XX/2014 but when I recently reviewed my credit report NCS has once again started reporting the debt that is NOT mine. This will be my last attempt to placate the matter before involving the Federal Trade Commission and Attorney Generals Office. I will be forwarding all correspondence to my attorney for review. Please help. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I recently got my credit report which showed my credit scores. XXXX and Experian 's have gone down XXXX points. I have been trying desperately to reestablish credit since a medical bk and foreclosure as I know how important good credit is. I have over the past 3 yrs purchased a home & opened up credit cards, paying them off immediately. I recently refinanced my home & bought a new car. I shopped around & it is my understanding that I could shop around for 30 days & those inquiries which were for the same thing & done within 30 days of each would only count ONLY as XXXX. Apparently this is not happened according to XXXX. I have several refi inquiries & also auto inquiries which I do not believe has been fed properly to XXXX who is determining my credit score. I need to get this straightened out so that my score can improve. The credit reporting agencies say I can not dispute a Inquiry. They say I must contact the company on the report ; find out who made the inquiry ; contact them and either ask them to remove it if it were in error or if it was not authorized by me. I have done this with several. Please note XXXX had pulled my credit on XXXX & XXXX /out my permission They say they will remove same. Others say they ca n't do it..So I am at a loss at what do do as each XXXX is XXXX points and is adversely affecting my credit Note : 1 ) XXXX pulled for XXXX Mortgage XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX for refi within 30 days 2 ) XXXX pulled for XXXX Mtg XXXX/XXXX/XXXX & XXXX/XXXX/XXXX within 30 days 3 ) XXXX pulled for XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX Store XXXX/XXXX/XXXX for auto loan -- XXXX XXXX had pulled it as well on XXXX/XXXX/XXXX all within 30 days ; XXXX Bank which is NOW XXXX Bank had several different inquiries : XXXX Bank had XXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX pull it XXXX on XXXX/XXXX/XXXX which seems crazy to have it pulled twice on the same day!!! I just spoke to them They are writing a letter to credit bureaus to have them removed as they did NOT have my authorization to do so after checking their records. 
I am frustrated because I ca n't dispute these with credit reporting agencies, many of the companies I call do n't want to remove them ; I ca n't get help from XXXX who is the ones that report the scores ; and I ca n't get help from the reporting agencies who feed the info to XXXX -- YET my credit is getting damaged and there is no one to turn to. Please research this let me know how to best proceed and if in fact some of these can be deleted. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have multiple accounts on my credit report that are reporting incorrectly. They were opened fraudulently with my social security number, my name ( wrong middle name ) and an ID from Pennsylvania with the wrong address and a photo that is not mine. None of the companies agree that this debt is not mine and most of the fraudulent files are reporting to all XXXX credit reporting agencies. 

Company response: Company chooses not to provide a public response
Consumer complaint: From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX 1. The credit Bureau will not correct my address I have sent over 10 letters to have my address corrected and still it has not been done. All I GET IS VERIFIED AND THEY OPEN A FRAUD ALERT JUST TO CHANGE AN ADDRESS. THIS IS NOT THE PROCESS. 
2. I have sent over 10 letters to all the inquire COMPANIES on my credit report to have them REMOVED and get no reply from the creditors. All I get from the credit bureaus is VERIFIED AND THEY OPEN A FRAUAD ALERT. I have informed the credit bureaus.. I get no reply and they ignore me and open a fraud alert. 
3. By court order the bankruptcy and all accounts in the bankruptcy are to be removed from my report IN the state of VA because the credit companies did not do a good job at investigating the inaccurate info on the bankruptcy and READ them. They opened a fraud alert. 
4. The answers for anything is open a fraud alert not do the work of removing inaccurate info. 
5. This is what needs to be done 6. a. remove all fraud alters 7. b. remove ALL inquires I have not applied for credit DO N'T SAY VERIFIED!!!!!! 
8. c. remove bankruptcy per the order and all accounts in bankruptcy from my credit report 9. Change my address!!!!!! 

Company response: Company chooses not to provide a public response