AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I disputed with XXXX and answered my own questions correctly but could n't dispute because it said I answered them wrong. I think I know about my own history. I disputed with Experian but they have yet to even acknowledge my dispute- the information is either not an account of mine because I have n't had an active cell phone in my name in years or is time barred for reporting purposes/legal ramifications. The company, XXXX XXXX itself withdrew the collection and sent back to whatever company ( XXXX ) that it bought the debt from. Yet the damage has been done to my score - on XXXX I lost XXXX points! Unbelievable that people -with no actual proof -can damage someone 's credit reputation. Good job credit bureaus! 

Company response: Company chooses not to provide a public response
Consumer complaint: i had closed a checking account on XXXX/XXXX/14 with a XXXX dollar balenceand i tried to withdraw this and the bank said they did not owe me. 
i received a letter from XXXX saying i owe them XXXX! 
they put this on my credit report after i tried to resolve the issue with them. i found this out after i had applied for credit and was denied. they also stated that i closed the account on XXXX/XXXX/2014 in wich someone had just scribbled in on the statement they had sent me. i have the original statments from the bank proving this. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I sent a written a communication to this collection agency. The letter was returned through postage stating address unable to find. No ability to dispute claim given. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Jefferson Capital Systems is attempting to collect on a debt that is illegal to collect on due to the Statue of Limitations in the state of Minnesota and Ohio. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Jefferson Capital Systems is attempting to collect on a debt that is illegal to collect on due to the Statue of Limitations in the state of XXXX and XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had a debt with XXXX XXXX XXXX in XX/XX/XXXX and paid it off XX/XX/XXXX. It never showed on my credit report before now after it was pais and this company Focus RECIEVABLES Management IS ON MY CREDIT REPORT SAYING ITS UNPAID. IVE TRIED NUMEROUS TIMES TO GIVE THEM A CALL TO REMOVE IT, PROVIDED PROOF AND IT IS STILL SHOWING ON MY CREDIT REPORT. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: PUGET SOUND COLLECTXXXX XXXX, XXXX ( XXXX ) XXXXXXXXThis debt is apart of my bankruptcyXXXX XXXX COUNTY REFUSE XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I am receiving demands to pay a debt to a collections agency from a For-Profit College. I have student loans that should have covered this cost. I do not understand why this debt is on my credit record. I am not disputing my student loan claims. Why do I have this extra cost? 

Company response: Company chooses not to provide a public response
Consumer complaint: In XX/XX/XXXX, I contacted Transunion requesting that information on my credit report be updated to show the correct status. The accounts listed below were all included in my bankruptcy in XX/XX/XXXX : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX and XXXX XXXX. These were the only accounts that I asked Transunion to update to show included in Bankruptcy. Transunion went in and updated all of that information as requested, sent me an email stating that your request is complete and XXXX month later, after the request was complete I received an email from XXXX XXXX indicating that Transunion had removed XXXX more accounts from my credit file. The XXXX that they removed were XXXX Account # XXXX which was opened XXXX, pay status : Paid or Paying as Agreed and XXXX Account # XXXX which was a joint account opened in XXXX Pay Status : Paid or Paying as Agreed. Prior to Transunion removing these XXXX positive accounts from my credit report my credit score was XXXX. After they removed these accounts my score has fallen down to a XXXX. I have contacted Transunion XXXX concerning this matter and have asked them to correct their error but they simply refuse to do so. I was told by XXXX of Transunion Reps that I had asked that those XXXX items be removed from my account and when I told them I had not and if they had proof could they send me proof that I had indeed disputed those XXXX items I was told by the rep that they could not send out that information even though it was supposedly on the letter that I sent them and during my XXXX call asking Transunion to fix the errors I was told that if I wanted proof that I would have to get a court order for them to send me a copy of the letter showing that I disputed those XXXX items. I never disputed those XXXX items because they were reporting correctly and I would not have had a reason to do so. They simply removed positive information from my credit file, demolished my credit score that was finally improving after many years of it being poor and then to add insult to injury the rep that I spoke with along with the supervisor said there was nothing they could do and if I wanted those items to be included in my credit file again I needed to contact the creditor and she hung the phone up in my face. 

Company response: Company chooses not to provide a public response
Consumer complaint: Last year I pulled my Free Credit Report from Experian on XXXX/XXXX/2014 for my wife and myself. Immediately after pulling XXXX Free Credit Reports I called to cancel the credit monitoring service. 

After canceling this I noticed several months later to my surprise that I had been billed for the service that I canceled. When I called Experian they conveniently has no record of the XXXX calls I placed to cancel the service and refused to refund me for more then the XXXX month basically telling me that it was impossible that I called and that if I had called they would have a record. 

I filed a complaint with the CFPB last year and was able to get some help and Experian reconsidered and refunded my money in full. 

Fast forward to today. I received a XXXX, XXXX, XXXX, and XXXX charge on my MasterCard from Experian. After several months of thinking this was resolved I have new charges exactly 1 year after my initial Free Credit Report was pull. I have new charges billed to me in the amount of XXXX. 

I called today to Experian to have these charges refunded and they told me I would have to dispute them with my credit card and they do n't know how they got on there. 

I would like to charge Experian with conspiring to defraud consumers. There is a systematic convenient failure of their system which favorably increases their revenue. 

I am looking for a refund, but more importantly and complete investigation of their business practices as I can only imagine how many other unsuspecting folks are also victims of this abuse. 

I sincerely hope that the regulator that reads this plea for consumer protection is not pencil whipped, but that a complete investigation is opened to investigate these claims as I believe it has absolute merit. 

XXXX, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I have never lived at XXXX XXXX XXXX. XXXX XXXX, XXXX, MA XXXX, as is erroneously reported on my Experian credit report. I have also never lived at XXXX XXXX XXXX. XXXX XXXX, XXXX, MA XXXX. I need for XXXX of these address to be removed from my credit report. I have also legally changed my name from XXXX XXXX to XXXX XXXX. I have provided my creditor with this documentation and they have not updated my name on my records. 

Company response: Company chooses not to provide a public response
Consumer complaint: I lost my job shortly after purchasing my vehicle. I 've tried numerous of times to set reasonable arrangements on both my personal and car loan. I 've asked for clarity and everyone seems to provide different information. The branch manager was very rude and unhelpful. I went higher up the chain to the DM XXXX XXXX. XXXX is horrible. She 's also very unhelpful and argumentative. Each time I 've contacted her for information about my loans and options, she 's given me inaccurate information. I visited another the branch, and they were only able to produce 4 months worth of payment history. No one can answer my question of " who is above XXXX?. '' I 've never seen business like this. I 've visited other branches in the past and received much better care. I 'm just shocked that XXXX would have someone like her in a management role. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I was charged for two months by XXXX that was unauthorized on a USBank secured credit card. I did not authorize XXXX XXXX to charge my credit card after XX/XX/XXXX. I paid cash for XX/XX/XXXX, and ongoing. In XX/XX/XXXX, I was charged for two months ... XX/XX/XXXX and XX/XX/XXXX, even though I was denied access to my storage unit, and the owner forbade me from accessing my property, starting on XXXX, even though his normal policy is that I am not locked out until after the XXXX of each month, and that I may still keep my bill current, as long as I pay by the XXXX of each month. On XX/XX/XXXX, the owner, XXXX XXXX denied me access to my belongings. This is in addition to locking me out on XX/XX/XXXX. When I contacted the credit card company, USBank, they told me that I still had to pay these charges. No. I had already acquired a different storage unit at another facility, starting on XX/XX/XXXX. There was no reason for me to pay for two months for no reason, especially since I did not have access to my property!!! Not only that, but I was homeless, and my blankets were in there, and I froze for most of the month of XXXX! Not only that, but since he charged my credit card for two months, I was unable to purchase a bus ticket to California, to be with my son, and rent XXXX rooms together. My credit is ruined, and I am unable to pay this amount. Not only that, but it is extremely unfair. I had told XXXX XXXX in XX/XX/XXXX, that I was unable to pay for XX/XX/XXXX, and would he help me move my stuff to another storage facility. First, he said he would move my stuff with his free truck, advertised with his business, then he offered his personal car, then he changed his mind and offered a different storage unit, free of charge for two months, then, on XX/XX/XXXX, he changed his mind altogether and stole all my stuff. Then, in XX/XX/XXXX, he charged me for two months, and said if I did n't get my stuff out immediately, that he would charge me for XX/XX/XXXX, as well. This is just crazy. I explained all this several times to US Bank, but they are still charging me, and even though I told them not to apply my deposit held in my account toward this bill, they did anyway. And they call me on average, of XXXX 's a day, including Sundays. I do not owe US Bank, nor XXXX XXXX, nor XXXX XXXX one red cent. It 's absolutely preposterous. 

Company response: Company chooses not to provide a public response
Consumer complaint: THIS IS NOT MY DEBTDear XXXX, Dear Billing Dept Manager, I am writing this letter to confirmed that this is not my debt. And stop contacting me. 
I do not have any responsibility for the debt but you 're trying to collect. And you did send to RPM Collector. 
I am very upset to received this notice from you and RPM Collector LLC. 
I have paid on XXXX/XXXX/2015 with total {$100.00} by my credit card XXXX at XXXX XXXX XXXX # XXXX XXXX, XXXX, CT XXXX. ( Reference receipt ). After 7 days I have received XXXX more bills, I did call to Customer Service to make sure, and the teller told me " you paid already ''. Later a week, I am still received XXXX bill and RPM Notice on XXXX/XXXX/2015. 
And I did send the letter to answer about this debt at RPM on XXXX/XXXX/2015 but I am still received another letter to collect money from RPM again on XXXX/XXXX/2015. 
So I need you have to verify with your Billing department 's XXXX about this problem. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. 
Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. 
If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. 
If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 
Thank you for your help, Sincerely, 

Company response: Company chooses not to provide a public response
Consumer complaint: The bank would not provide assistance in a loan modification request. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a credit card with continental finance which was opened XX/XX/XXXX. The account has maintained a good payment history since. At the time it was opened it was reported to all XXXX credit bureaus. however, there were duplicate accounts on all three. I had only XXXX credit card, but XXXX accounts were showing. I accurately, disputed the XXXX duplicates and left the XXXX accurate account out the dispute in XXXX subsequently, all my accounts were removed. I recently have written the customer service dept and faxed a formal dispute dated XX/XX/XXXX after my initial faxed letter, dated XXXX XXXX, was evidently faxed to a wrong number provided to me by customer service. the latter letter ( XX/XX/XXXX ) have been verified by a supervisor I been corresponding with via many emails over the past XXXX months by the name of XXXX XXXX XXXX, supervisor as being received. he also has been adamantly conveying, again in writing ( emails ) that this my account would be reinserted. I have patiently waited since XX/XX/XXXX to no avail. this three year old good standing account is still not reporting after I disputed it in XX/XX/XXXX. AT THIS POINT, CONTINENTAL FINANCE HAS VIOLATED MY RIGHTS UNDER THE FCRA BY NOT RESPONDING TO MY DISPUTE IN 30 DAYS. To date, as recent as a few days ago, XXXX XXXX jones is still assuring its being handled. He emailed me exactly what to put in the letter, stating to add " I am asking that continental finance reinstates this tradeline to my credit report '', which I have complied and have documentation. however, I am not receiving credit on my bureaus for this three year old account which is positive. I feel like im getting nowhere. I spend ample amount of time calling and corresponding with XXXX XXXX. Each time, he assures me its gon na be reinserted, but have not. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had called the company when my husband had gotten very ill. We had arrangements made but there is no history of this occurring to their records. The credit card is being reported after being verified on all three credit agencies. Here is an example of XXXX. 
XXXX Payment HistoryYear XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * * * * * * * XXXX XXXX XXXX XXXX * * * * * * * * * * *Payment History KeyYou can see in XXXX when my husband got sick, we had arrangements made, and we were supposed to begin deferred payments but the card was closed. This is not what was agreed to. I need help getting these inconsistencies removed from my tradeline they are destroying me. At first I wanted my card back because that was the original agreement now I just want it paid and removed from all three agencies due to all the mistakes, communication, and discrepancies. 

Company response: Company chooses not to provide a public response
Consumer complaint: I made a timely payment to XXXX Bank for my XXXX credit card payment beginning with XXXX. Due to an error on their end it was not processed and incorrectly reported to all credit bureaus. XXXX Bank agreed to notify all XXXX credit bureaus to remove the late reporting on my credit report and issued a letter on XXXX XXXX, 2015. I notified Experian on XXXX XXXX, 2015 and on XXXX XXXX, 2015 to remove this incorrect information from my report. I also called them and uploaded the letters from XXXX Bank on their website. Despite numerous requests they have not removed this information from my credit report. The other XXXX agencies XXXX and XXXX have removed this information as of XXXX weeks ago. These actions by Experian are in violation of the credit laws established as they have not adhered to the XXXX or XXXX day deadline from my XXXX/XXXX/15 notice. Please have them correct this immediately. 

XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: The credit reporting agency will not allow me to file an additional complaint. 
The creditor on my credit reports is reporting my car load status is repossession. It should state paid as agreed. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was approached by XXXX at Home Depot, Store # XXXX, XXXX XXXX XXXX, NY XXXX, to open a credit card account. Heopened an account and told me no interest for 6 monthson purchaes for {$290.00}. So I bought a small refigerator formore than {$290.00} on XX/XX/XXXX. I made min. payments on time. But in XX/XX/XXXX theybut they added interest from XX/XX/XXXX, despite what XXXX, their employee, told clearly that interest would accrue aftersix months. So this is totally wrong and has to be correctd by Home Depot. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was enrolling at XXXX college, XXXX, and was encouraged to take out a private loan by the advisor I was speaking to and when she told me that XXXX was not covered by federal loans and that I had to pay out of pocket while in school to be eligible to remain and complete my course of study. I knew I could n't pay that and I did not even have a job so I could not pay if I wanted to. My partner at the time was also present and was asked by the admin department advisor, if he was willing to help me with that portion of the money so I can attend. He agreed and they enrolled me that fast. Now we r not together and he did not pay the loan, I got stuck with it and now I am falling behind what are my options when I did not need to create a debt in order to attend school and now he forgot he agreed to help me pay that. So how does that work, I am trying my best but I am still struggling because of that loan from genesis lending. That service is not even worth the problems a lot of XXXX students have experienced, they ca n't even show you correct detailed information online or on paper for that matter, and now they are getting sued for putting that kind of burden on student 's that are trying to get an education to make money when they when they get a job .... How would I be considered for a discharge on that part of my student loan, I believe that I am paying for something that I should not have to when I did not have income and my ex partner was the responsible party when he agreed to pay that part.??? 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I had taken out a pay day loan with this lender for {$300.00} plus {$90.00} for interest. I have been paying on this loan since XXXX. I was contacted by XXXX doc, who has been working as my mediator to collect a lower payment. Meanwhile, this lender has contacted me at work and threatened to contact my payroll department and threatened to have me arrested. They continue to call my cell phone number and send me threatening emails. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I have had a checking account with Suntrust Bank since XX/XX/XXXX. I have a direct deposit go into my account monthly. I am a XXXX. I own XXXX rental properties. XXXX tenant pays rent with money orders, and the other pays with a personsl check from his Suntrust account. On XXXX XXXX, I deposited a {$750.00} money order given to me by XXXX tenant, and the next day I deposited the other tenants {$500.00} personal check. XXXX deposits showed up on my account ledger balance by XXXX/XXXX/XX/XX/XXXX. The tenant who gave me the Suntrust check for {$500.00} had stopped payment on XXXX, after I had already deposited for some reason. Suntrust then placed a hold on the {$750.00} money order until XXXX, telling me that they were unable to verify the money order. I had a copy of the money order and called XXXX XXXX and was told it had been paid on XXXX. I called Suntrust on XXXX and they would not release the hold, and then informed me that my account was being closed because of suspicious activity. I visited a Suntrust branch and was told it was the stop payment placed on the {$500.00} rent check my tenant gave me that prompted my account to be closed, but also was informed that his check was a good check regardless. I was blocked from online account access, and being a week before the XXXX tax deadline, this caused a big headache! I also pay bills online the XXXX ten days of the month, and payments were returned, late charges applied, and no valid reason for the paid money order to be held during this time by Suntrust. I was told repeatedly rhat I would receive a letter in the mail explaining why Suntrust closed my account. The letter came XXXX, it only stated my account was closed due to fraudelent activity, according to the bank 's rules and regulations. The decision is permanent and I would receive any remaining funds in my account by mail within 3 days. The letter was dated XXXX/XXXX/XX/XX/2015. No other information or apology is given. Suntrust put me in a financial crisis. Two weeks with no debit/atm card, no cash, bills not paid, creditors calling, not able to take action against tenant in a timely manner, Income taxes not finished, and no answer to why all this is happening. 

Company response: Company chooses not to provide a public response
Consumer complaint: There is a certain debt collector known as Central Portfolio XXXX that is repeatedly calling and harassing my poor old XXXX year old grandmother on the basis of a debt I DO NOT legally owe. I am a resident of XXXX, where the debt should have expired last year, yet they call her at her number in XXXX, where I do not know how they got that number, as I have had no communications with them. What actions should I take to assert my rights and my grandmother 's privacy? 

Company response: Company chooses not to provide a public response
Consumer complaint: As I was in the middle of a chapter XXXX, on XXXX XX/XX/XXXX, the XXXX bank sold and bought my house with out advising me on XXXX XX/XX/XXXX an improperly way he is the seller and the buyer at the same time. it is unfair practice. the XXXX Bank cam in XXXX XX/XX/XXXX in the Bankruptcy Court asked the juge to remove the block they made in the House.I am crying for help this morgage already had to much violation on it. 

Company response: Company chooses not to provide a public response
Consumer complaint: My Bank of America Credit Card statement balance was paid in full before the due date, and I was still charged a fee listed as a minimum interest charge. I called customer service and explained that the statement clearly showed that my previous balance minus my payments & other credits added up to zero, just like the previous month when no interest fee was charged. But, the customer service representative told me it was Bank of America 's policy to still charge me a minimum interest charge regardless, and emphatically stated that this policy was not going to change. I believe this is a misleading and deceptive practice by Bank of America, that is in clear violation of my credit card agreement, and should be illegal. 

Company response: Company chooses not to provide a public response