milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I purchased a vehicle on X/XX/17 at XXXX XXXX, however on my Equifax credit report I am showing that I have 12 hard inquires pulled that day. That makes a combination of 23 hard inquires total. I have called Equifax on XXXX X/X/17 and X/XX/17 in attempt to resolve this matter. I know my rights as a consumer when shopping for a vehicle or home that when my credit file is pulled many times within a 14-30 day window that those hard inquires are suppose to fall off or count as one inquiry. However on my credit report my fico it is reflecting a total of 23 inquires which 12 are from the XX/XX/XXXX- XX/XX/XXXX shopping period. These inquires have added a hardship by affecting my placing me in a high risk category for credit worthiness. I have been denied credit with reason specifically stating I was denied by having too many hard inquires on my credit file. I am being victimized and my requests are being ignored by Equifax. I am asking for help on this matter as I have failed to get a resolution many times myself.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have a company XXXX XXXX reporting a collections account on my credit report for Equifax which is incorrect and does not belong to me. I have tried to communicate with this company with certified letters to get them to either prove the debt is mine or remove it from my credit report. First letter was sent XX/XX/XXXX signed for on XX/XX/XXXX the company did not respond other than to place a disclaimer on my credit report that I disputed the debt. I sent a second certified letter to them on XX/XX/XXXX signed for on XX/XX/XXXX and since I had not heard anything. Therefore I filed a complaint with the CFPB reference complaint # XXXX in which this company responded to them they are not the company to address my complaint with. They are the ones reporting on my credit report not any other company. Since the collection account showed up on only 2 of the 3 bureaus I called XXXX  and it was removed because it is inaccurate reporting. I tried to address this with Equifax with no luck so I am hoping that filing this complaint will get it removed from my Equifax credit report. If the company is reporting it but claiming to the CFPB that they are not the company to provide me proof the debt is mine then it is inaccurate and needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I am getting the runaround from the holder of my FHA mortgage loan Bank of America. I experienced a true hardship about a year ago when I was laid off from my job. I began trying to reach out with Bank of America in order to apply for some type of assistance since I missed several mortgage payments. I was assigned to someone named XXXX XXXX who said she was going to help me get back on track. After going back and forth for many weeks I was told that my request was denied because I did not make enough money. I found this hard to believe, and went back through all of the paperwork. I then resubmitted all of the information again to Bank of America. After going back and forth for several weeks I was told once again that I was denied for help. However, this time I was told that I was denied because I made too much money? This did not make any sense, and led me to believe that Bank of America is not playing fair and is more interested in pushing me into foreclosure. I know that there are FHA programs available to help struggling homeowners. I was approved for a modification back in 2013 when my hours were cut at work. I was able to make my payments on this modification as agreed until I was laid off from my job. Now Bank of America is moving me into foreclosure. 

I have owned my home for 10 years. I have gone through many financial struggles which have caused me to periodically struggle with this loan and the payments. But I have always righted the ship and settled up and gotten back into good standing. At this time I am back working XXXX. I also have a live in girlfriend who is contributing 100 % of her monthly income from her job XXXX. If B of A were to conduct a current and correct assessment of our financial situation they would see that we fit into the guidelines for assistance. The problem is that it seems that their agents are intentionally obstructing the process and providing false and misleading information. 

The value of this home is far less than what is owed at this time. But I view this as my home, not as an investment and I want to fight to save it. I know that FHA has several different programs in place to help struggling homeowners and I believe that Bank of America is not following the rules and guidelines in this process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This is my XXXX XXXX dispute over this issue, Equifax responded and resolved some of the fraudulent inquiries, I did dispute them with equifax and they stated that they would not remove and claimed there " factual records on file '' I provided them with the police report as well the extended fraud alert, I have on my credit rerportFraudulent Inquiries -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX, XXXX XXXX XXXX/XXXX/2015XXXX XXXX , SD XXXX Phone : ( XXXX ) XXXX XXXX/XXXX/2015XXXX XXXX , UT XXXX XXXX : ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I submitted a complaint to XXXX, XXXX  and Equifax regarding several errors that I found while looking over my credit report. Under the FTC I can dispute all inaccurate information on my credit reports. Please remove XXXX # XXXX and XXXX XXXX # XXXX from my credit reports as the information provided by the creditors is inaccurate and misleading. After completing a prior investigation, Equifax agreed to remove XXXX # XXXX and XXXX XXXX # XXXX from my credit report. However, Equifax has failed to follow through on its promise as the accounts still remain. XXXX failed to adequately investigate my dispute after verifying these accounts which I know are inaccurate. Please remove XXXX # XXXX from my credit reports as the date of delinquent is misleading and incorrect. Additionally, this account should not have a reported balance. Please remove XXXX XXXX # XXXX from my credit reports. I have reached out to this company repeatedly and have received no response. The balance, date opened and the payment history is incorrect. The company is reporting payment history in XX/XX/2018 but this account should not have a balance. Please remove as soon as possible to avoid further damage to my credit and my reputation with creditors. I know that mistakes happen but it should not happen at my credits expense. Thanks for your time. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (IL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: My son, an authorized user of my Barclaycard ( XXXX ) account, disputed two fraudulent credit card charges ( {$130.00} and {$73.00} dated XXXX XXXX at XXXX XXXX and XXXX XXXX respectfully ) in the early days of XXXX, I think it was XXXX XXXX. Although my son visited the establishment earlier in the day, he left at XXXX XXXX. Towards the end of XXXX we received two letters from Barclaycard, one requesting additional information and the other denying the dispute. Copies of the card transactions of the disputed charges show neither was signed by him.
<P/>
On XXXX XXXX we responded to the request for additional infomation with a dispute form stating that the transactions were not signed by my son or I. On XXXX XXXX, Barclaycard denied the claim again and will not reopen the case.
<P/>
On Barclaycard 's website it states : Barclaycard provides fraud protection and monitoring on all of our credit cards to ensure the security of customer information. All customers are also covered by our {$0.00} Fraud Liability Protection - which means you will never be held liable for unauthorized transactions.
<P/>
Clearly this has not been the case with our experience.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Debt collection (Payday loan debt) with GMA Investments, LLC (WA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: Received a voicemail to call XXXX to verify some information and claimed they have left numberous voicemails in the past. When I called back a woman answered and told me I owed {$91.00} for payday loan they say I took out and when could I pay it. I advised I could n't make payment now and wanted more info but I could n't understand what she said so she transferred me to another woman. This woman yelled at me refused to give me more info regarding the original creditor and said a very rude comment a long the lines that its not a huge debt and should be more than able to afford it. She said they would let the creditor know I 'm refusing to pay. I told her I was n't refusing but needed more information. I asked her not to yell at me and I was trying to get more information she kept yelling than hung up on me. When I called back I was hung up two more times. I finally got through and spoke to a man who was a little more helpful and provided more information. He said they obtained the file in XXXX/17 but they did n't purchase it. He gave me the address of the creditor and name. He also said they are n't in business anymore. If they did n't purchase the debt than they are n't who I need to deal with. So I thanked him and ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Bank account or service (Other bank product/service) with NETSPEND CORPORATION (TX).
Issue: Using a debit or ATM card

Complaint: I made a purchase at XXXX using my netspend visa card ( prepaid debit ). XXXX service was poor and caused lots of confusion regarding payment and shipping. My account was fine and the money balance was sufficient. My account reflected that the total amount of the purchase was being held/pending. 

After no activity for a while I decided to check the account. Once checking I could see that XXXX somehow never took their money ( weeks later ). At the time my account was negative XXXX $ and some change. Netspend deducts their account fees and then takes the money when I direct deposit. 


My problem is that my account was already in the negative for weeks and from my understanding XXXX dollars is the negative limit for my prepaid account ... I did n't opt in for overdraft .... 

They gave me some story about 'force payment '' ... My point is I did n't have ANY MONEY in the account and it was already negative .... Y did they let my account go XXXX $ in the negative.. It 's pre paid card ... No money means no money ... 
Plus the rules that come with card says nothing about " forced payments '' and they said they had no paper work or inform for me about the " forced payment policy " XXXX ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed a charge on my credit report through all three credit agencies. I just received notice from Transunion that the XXXX charge for {$18000.00} has been verified, no change. I did not make any charges to this company and have no idea what this charge is for nor who they are. I demand to see original documentation of said charges if they say they have some. I did not make those charges and realize this company most likely bought out some debt ; it was not mine. I want to see proof of original documentation of the debt. I call not only the company XXXX in question, but also Transunion for not properly having the documentation verified correctly. Obviously, since I did not originate this debt ; I have no paperwork to prove that. I did not originate this debt and it is not mine. I demand original documentation be provided and this charge will be removed from my credit report immediately. Thank you!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: As early a s   XXXX   XXXX  , 2016 I disputed the accuracy of the reporting of   XXXX     XXXX   credit card accounts -- dispute letters to all   XXXX   credit bureaus and directly to the creditor. I never received any response to my dispute so I wrote directly to the alleged creditor on on   XXXX   XXXX  , 2016.    XXXX  My understanding is that this reporting must be removed if the creditor can document and prove that is both 100 % accurate and 100 % verifiable

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XXXX XXXX, 2016 i checked my credit on credit karma and had XXXX hard inquires removed from my report. I checked my account on XXXX XXXX, 2016 and all XXXX hard inquires were placed back onto my account without sending me a reinsertion letter as required by fcra section 611. I have been calling transunion ever since and received no help at all from this bureau. No one would transfer me, no one would connect me to an American representative or the fraud department. Talk to multiple agents were very belligerent, some have told me that they knew of the issue. But basically told me too bad and I should file a complaint because they certainly could not and would not fix the problem

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-07-2017 about Debt collection (Other debt) with LENDMARK FINANCIAL SERVICES (NC).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I applied for a loan with Lendmark Financial. Upon them obtaining my employers information I informed them I was not allowed to have personal phone calls of any kind. Informed them just to leave a message with my other contact number and I would get back to them. My supervisor sent me an email advising me that a representative from Lendmark Financial has repeatedly called asking for me to return his call. Specifically the email was received on XXXX. I have also received texts and phone calls from my supervisor over the same matter.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Debt collection (Medical debt) with Southern Oregon Credit Service, Inc. (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: My sister called in to talked to them without my permission and they never verified she was me or anything and talked to her without my permission. They violated my rights as a consumer

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: On XX/XX/XXXX I lost my job, I immediately call XXXX XXXX to notify them I lost my job and was unable to make any payments at that time. Mind you every call is recorded for quality assurance - which I doubt. I've never missed a payment with them since consolidating my loans years ago. Since calling to tell them I have not been helped once. I've received calls periodically informing me I'm late on my payments, AGAIN with those same calls they make to me I've told them I lost my job in XX/XX/XXXXand have discussed this with several of their callers. One caller informed me to get online and fill out the deferment portion and submit it. I did that in XX/XX/XXXX/XX/XX/XXXX. I kept getting phone calls since and AGAIN explained my situation to them and yet nobody was knowledgeable to help me or would till the week of XX/XX/XXXX when XXXX ( employee id - XXXX ) called and AGAIN I explained to her my situation and her response was she couldn't believe nobody has helped me yet. She verbally told me she would be sending the deferment papers by mail this time along with a quality complaint form. I received a quality complaint form and immediately filled it out and mailed it back in. I also saved a copy for myself. I have not yet to receive the deferment papers in the mail yet. HOWEVER I have received a threatening letter from XXXX XXXX detailing me of my delinquency and is in danger of default, that was marked XX/XX/XXXX. Their claiming I'm {$1100.00} past due, and {$950.00} past due. I wouldn't be past due if they would of done their part back in XX/XX/XXXX when I phoned them immediately and explained my situation. I received a call from XXXX ( employ id XXXX ) the week of XX/XX/XXXX asking me about if I can pay the full amount. AGAIN I explained to him what I have been explaining to every other caller since XX/XX/XXXX, and just the week before to XXXX who told me she was not only sending deferment papers by mail to me but she's noting my account. XXXX was unaware of any of that. On their delinquency letter they have informed me that all credit bureaus are aware of my pass due. Again, no deferment papers have been received to my address XXXX XXXX XXXX, XXXX, MI XXXX. BUT they keep sending me bills, threats, and delinquency notices to that same address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: On XX/XX/XXXX I sent a dispute letter to Equifax regarding XXXX and XXXX. The Bureau received my dispute on XX/XX/XXXX and was verified by the US postal service. The bureau failed to respond to my dispute within 30days and they were unable to verify the collection accounts as required by the FCRA. the Fair Credit Reporting Act, 15 U.S.C. 
I asked the credit bureau to send me any documentation they had on file verifying that these accounts belong to me. I have no knowledge of these accounts. On XX/XX/XXXX, I contacted Equifax for and spoke with XXXX ID XXXX Supervisor of the dispute department. She told me that Equifax did not collect or retain documentation of the information they received to verify that the debt belong to me. The collection agencies wanted me to call to verify. These items should be removed and Equifax should be fined for reporting inaccurate information and not properly documenting account. 

Credit reporting have a duty to verify and report accurate information. These account should be deleted immediately per the letter I sent on XX/XX/XXXX. Equifax has not responded in a timely manner and can not prove that the debts are mine.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Debt collection (Other debt) with AFNI INC. (SC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: AFNI is trying to c ollect a bill from  XXXX   XXXX   XXXX  in the amount of {$440.00} which is incorrect. My assigned acct # wit h AFNI  is  XXXX .  XXXX   XXXX   XXXX  continued to bill me after my request for the service to be cancelled. Then sent this erroneous amount to a collector. THIS IS WRONG!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2016 about Credit card () with BARCLAYS BANK DELAWARE (LA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: This company sent me a credit refund balance from a credit i had on my Barclay credit card in the amount of {$360.00} on XXXX/XXXX/2016. When i received the check i called the number back on my card to make sure it was okay to cash it and the representative said she did n't see any stop payment on it so it was okay to cash it. So i mobile deposited into my XXXX XXXX account and the check came back unpaid and put my bank account in the negative which caused all types of problems and emotional distress. This is considered writing a hot check which is a crime and a felony no matter who you are.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation