milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My identity was stolen on XXXX XXXX. I placed fraud alerts with my credit bureau, Transunion, as soon as I was notified on XXXX XXXX. Since XXXX XXXX, my credit has received XXXX additional " hard hits '' on my credit score to bring the total to XXXX. Attempts to resolve this directly with Transunion has been unsuccessful as they repeatedly tell me they ca n't remove these " hard hits '' without proof from the company who requested the credit pull. Each company I spoke to has told me Transunion is the only company who can remove " hard hits ''. I have been brushed off multiple times and passed on to different departments with no resolution. The security freeze option was never suggested even as I asked them what else I can do to stop these multiple credit pulls. Transunion has been completely useless. I feel like I am being victimized all over again.

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 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: At the end of XX/XX/2017I sent a letter to XXXX XXXX XXXX XXXX asking for a debt validation regarding an alleged debt that was owed. I received a letter and an unsigned contract with my typed name in the signature area. 

However, since this was my first initial contact with this company I noticed that the company violated Section 807 ( 11 ) of the Fair Debt Collection Practices Act that requires a debt collector to inform a consumer in the initial communication with the consumer with the following wording on the letter " this communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. '' The code refers to this an a mini-miranda disclosure. 

I sent the organization information regarding this fact ( certified letter ), and XXXX XXXX XXXX XXXX did not respond to the letter but sent me a similar letter ( attached ) with another unsigned contract. This is a blantant violation and request that the credit bureaus investigate this matter and if not resolved, that the account is deleted from my credit report.

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 01/18/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In XXXX of 2016, I was int he process of moving and I ended my services with XXXX XXXX not long after they took over my account from XXXX. It seems in the confusion from the combination of the company switch and my move, some very strange and unusual things happened to my account ( s ). Since that time, I have received multiple billing statements in the mail from XXXX ( keep in mind, I have NO open accounts with them ), some of which say, I owe them money, some say I owe nothing, and some saying I have a credit coming to me. I came to find out that I had XXXX accounts opened under my name, and I have no idea why. Needless to say, this was all VERY confusing and I did not know which to believe or follow through on. After talking to them several times, it seemed that even THEY were confused as to why this was happening. 

Well, as this was going on, apparently, the bill that said I owed money ( {$35.00} ) went into " delinquency ''. And because of that, it seems as though, my credit score has suffered. 

This seems INCREDIBLY unfair, since the blame for this confusion should fall on XXXX billing system, AND the fact that THEY owed ME more money than I owed THEM ( {$61.00} credit that I still have yet to receive ). I do not believe MY credit score should suffer because of this.

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 09/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX XXXX of XXXX there was a hard inquiry initiated by XXXX XXXX XXXX XXXX on my Transunion credit report. This WAS NOT authorized by me and I have never done business with this company or any of its affiliates. I have contacted the company on XXXX occasions to find out why this was done and have the inquiry reversed or cancelled from my credit history. No one seems to know what happened and what to do to resolve. The last contact with XXXX XXXX XXXX was XXXX on XXXX/XXXX/XXXX ( XXXXXXXXXXXX XXXX who is the Corporate Business Manager for the company and she can not confirm an account in my name nor credit search initiated ( for XXXX XXXX, XXXX XXXX XXXX. She contacted the Credit Bureau XXXX XXXX XXXX ( where XXXX XXXX XXXX resides ) and spoke with XXXX XXXX XXXX XXXX ext. XXXX ) whom called me and told me to contact Transunion and have the inquiry reversed. I told her I have already contacted Transunion and was told to file a complaint with CFPB. Why was this credit inquiry done and what can be done to prevent it from happening in the future. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. 
XXXXXXXX. XXXX XXXX

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 06/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have credit inquiries on my Equifax file. Which i do n't recognize. Also have letter from bank stating they will be removed. Sent them to Equifax few times as well as certified mail. been 9 months and they still there. Equifax is not following any federal guidelines

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Payday loan () with SYNCHRONY FINANCIAL (MA).
Issue: Charged fees or interest I didn't expect

Complaint: Hi I had a really bad experience with Synchrony bank. 
I had purchased a Mattress for {$2900.00} on XX/XX/2013. 
The vendor I purchased was XXXX. 

When I purchased the mattress, the sales person mentioned that I can pay the full amount in installments and I agreed to it. 

I asked him what would be my monthly payment so I do n't have to pay any interest.He mentioned that Its about {$31.00}. 
I was fine with that and I purchased the product. 

My checking account was charged about {$31.00} every month as I was told and agreed. 

After three years I noticed that the monthly charges went up to {$120.00}. I was not sure what was going on and I called Synchrony Bank, they said I will have to pay an additional {$2900.00} or so as interest.I was not sure what happened. 
They told me the installment schema was for 36 months and I have to pay interest after that which I was not told by the sales person when I purchased the product. 

I called the vendor, which is XXXX, they told me that the amount of {$31.00} was given by the bank and not decided by them and they can not to any thing to fix it. 

I called the bank and they said only option I have is to pay off the {$2900.00} additional amount they charged me as interest to close the account. 

I mentioned to them that I can pay off remaining of principle amount which is XXXX minus payment I have made so far which will be about $ XXXX.They are not agreeing to it saying that I should be paying the full interest which is double the amount than what I purchased the product for. 

I do n't have any debt and I pay off my bills on time. 
I feel that I was cheated by the bank and the vendor combined by giving me unclear information.I do n't have the amount of {$2900.00} to pay off the interest. 

I had moved few times from the original location I lived before. 
I am not receiving the bank statements. 

I kindly request you to help me with this situation.

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 monetary relief
Consumer complaint received 07-06-2015 about Credit card () with WELLS FARGO & COMPANY (NM).
Issue: Billing disputes

Complaint: My mom 's dog got sick she needed an emergency office visit but did n't have money so I go the XXXX XXXX hospital and apply for a Wells Fargo care credit card. My mom and I agreed that I 'd pay for the initial visit. However I never told the office that was the agreement. They never confirmed or stated that I would be the one paying. So I leave, my mom takes the dog in later. Picks him up the next day. I get this XXXX $ charge to my account so I ask her she 's like I signed an invoice for me not you they got the payment mixed up so I dispute it with Wells Fargo but they said no its acceptable because I signed up for the card the same day even though my name is n't on the invoice and the signature does n't match mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/14/2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (TX).
Issue: Money was not available when promised

Complaint: XXXX XXXX XXXX for some reason decided to use Western Union this time as we were waiting for this money in XXXX Texas. A Western Union payment was processed on XXXX XXXX 2015 ( XXXX XXXX is XXXX hours ahead of CST ). They asked me to go to my XXXX XXXX XXXX and give them the XXXX number ( XXXX ) and should be able to get instant credit. However, XXXX XXXX XXXX told me that they not deal with Western Union and I called the Western Union to see where I could get my XXXX USD and they recommended me to go to XXXX of XXXX XXXX, close to my place. 

XXXX told me to wait for 15 minutes while Western Union processes all required checks etc. Later I was told by Bank Teller that she could not process the request. 

I called Western Union and after talking to them 2-3 times with misinformation and finally talking to their superior, I was told that the payment has been sent back to the Sender. I asked for a reason and they said that they are protecting their client and can not disclose me the reason. That was after 2 hours of time spent.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: It is unjust that 3 businesses can have access to such personal and potentially damaging information such as my Social Security Number, and be so careless with the security of these sensitive materials. Even more unjust is that in the wake of their negligence, we the consumer, must pay $ XXXX {$10.00} simply to institute a credit freeze, which at this point is a syringe of water to extinguish the forest fire that is our lack of adequate protections. 

If a credit freeze is my only option in the wake of these companies ' negligence to properly secure our information, then it should at least be free.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Debt collection (Other debt) with TD BANK US HOLDING COMPANY (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: There is currently a derogatory record on our credit report from XXXX XXXX XXXX, account opened XX/XX/XXXX. The account is listed as charged off with a balance of {$31000.00}. It shows late payments starting in XX/XX/XXXX, and shows late payments since then.

Request 1 Remove derogatory information from our credit report, including the status of charge-off. The Fair Credit Billing Act requires creditors to bill correctly, including send bills to your current address and we did not receive bills or other notices on this account. 

Request 2 Despite not receiving statements or bills, weve paid this loan in full. We request that the loan be updated to reflect payment in full.

History 1. We believe the account was charged off in error. The loan was set up for auto payments from a TD Bank checking account. The auto payments worked for a few months, then stopped going through without our knowledge. The TD Bank checking account was not our primary account, and we noticed the issue from a negative mark on a credit report.

2. We received no bill, no notice of late payment, no notice that the auto-pay was not working and no email, letter or phone call from TD Bank requesting payment.

3. As soon we learned ( from credit report ), we called and made all retro-active payments for all back due amounts.

4. We requested a statement be sent of our account status, amount due, and payment information. TD Bank declined.

5. To date, we have received no written notification of charge off status, or recognition of monthly payments made. We have continued making monthly payments in good faith. ( we can provide bank payment records ) 6. Requested directly from TD bank to remove negative information from Credit report, but they declined.

7. Loan is now paid in full, have a letter from TD Bank dated XX/XX/XXXX acknowledging payment.

8. We request that negative information be removed from our credit report, and that the loan be recorded as paid in full.

9. In addition, we request a final accounting letter, as we believe we have a credit amount of approximately {$1100.00}, and would like that amount refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-07-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I was denied {$85000.00} in credit because EXPERIAN CREDIT REPORTING AGENCY is constantly holding on to my old phone numbers of the past 15years..and even though I have tried many, many times to solve this matter .The agency just Laughs.Told me there is nothing I can do.!!!! ..That they 'll remove it when they get good and ready ... This is rude!!!! ..Also : they have a lot of inquires that I did not approve of..on my FILE!!!

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 04-02-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have asked for Validation of the debt through a certified letter to the company. I have yet to receive any kind of validation however I am receiving letters and phone calls concerning a debt that I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: After previously disputing these erroneous accounts, Experian still deemed the account ( s ) verified. I have no idea how " collection accounts '' can report " past due '' .. Although I never received proper validation, this was another mistake that stood out. They should have been removed from my report. Please see the attached documents

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 04/15/2015 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: Dual Tracking and Foreclosure violation by Caliber Homes Loan. We applied for loan modification due to unemployment and underemployment before XXXX XX/XX/XXXX and more than 37 days from the XXXX XXXXXX/XX/XXXX foreclosure, sale date on my home. However, although, our modification process is still currently going on, Caliber Home Loans, has simultaneously, scheduled a foreclosure date for XXXX XXXX, XX/XX/XXXX ( now, roughly, 2 wks from today ). 
Please, Help Now.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Debt collection (Credit card) with CITIBANK, N.A. (NC).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: THERE WAS NOT AN OPTION THAT BEST DESCRIBED MY ISSUE ABOVE. SEE BELOW FOR COMPLETE UNDERSTANDING. 

I AM FILING A COMPLAINT AGAINST THE COMPANY MACY 'S DUE TO UNFAIR REPORTING TO THE CREDIT BUREAUS. I ACKNOWLEDGE THAT I OPENED AN ACCOUNT WITH THIS COMPANY AND FAILED TO MAKE PAYMENTS. THE LAST ACTIVITY REPORTED WAS IN XX/XX/XXXX. THE ACCOUNT WAS CHARGED OFF AT THIS TIME. ACCOUNT WAS OPENED IN XX/XX/XXXX. I RECENTLY REACHED OUT TO THE COMPANY TO OFFER A SETTLEMENT/PAYMENT AND I WAS TOLD THE ACCOUNT WAS TOO OLD TO ACCEPT ANY PAYMENTS ON IT. THE COMPANY HAS NOW STARTED TO REPORT TO XXXX LATE PAYMENTS MONTHLY AFTER THE LAST REPORTED LATE PAYMENT WAS IN XX/XX/XXXX. I DO NOT UNDERSTAND WHY THIS COMPANY IS ABLE TO REPORT LATE PAYMENTS AND I CAN NOT RESOLVE THE ACCOUNT. THIS IS GREATLY AFFECTING MY CREDIT SCORE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I recently filed a complaint about how Navient erroneously put my account delinquent by 3 months, even though my payments were up to date. Since my first complaint was filed, Navient has rectified that issue, and immediately caused another one, that I am fighting to get corrected. Once Navient took the delinquency off my account, they increased my total balance due by about {$50.00} more than what it was after I made my last payment. A couple days have gone by, and they are showing that I now owe {$65.00} dollars more than I did a month ago. I have no late fees or anything like that on my account, yet the interest just keeps racking up every day. I have NEVER had this happen to my account, and Navient is now claiming that every day I am getting charged more and more interest and it does not make any sense. I am now caught in the middle of yet another one of their many schemes. How I am ever supposed to get my loan paid off if they keep tacking on {$65.00} every month?

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FAIR COLLECTIONS & OUTSOURCING, INC. (IL).
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: This letter is being sent to you in response to a notice sent to me on XXXX18 in response to a listing on my credit under XXXX XXXX XXXX XXXX " XXXX ''. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. 

This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. The investigation was shown as verified and there was no information sent to me at all, so how could it possibly be verified? No contracts or signed documents were sent to me at all. 

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 

Best Regards, XXXX XXXX

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