milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I obtain a copy of my credit report from Experian and notice inaccurate and incorrect information. 
Some of my personal information is incorrect and needs to be removed. 
I have companies reporting duplicate accounts with the same information. 
I know this can be investigated

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 04-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX & TransUnion & XXXX Re : Fraudulent Accounts and Unauthorized Inquiries To whom it may concern : Be informed that this is an internal dispute and an affidavit. Recently i received a copy of my credit report and I discovered Inquiries i didnt not authorize along with fraudulent accounts. I understand and aware that you should not put an inquiry on my file unless i have approved it and you have my consent. After taking a close look at my credit report I notice so many errors on behalf of your company. I understand that I have been involved in a few breaches that has cause my credit info to be leaked by XXXX, and other companies. I have recently filed a police report against your company for the negligence and i am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries and error accounts removed off my credit file immediately because i did not authorized them and they are fraudulent.

List fraudulent accounts : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX 7.

XXXX XXXX XXXX XXXX. 8. XXXX XXXX XXXX  9. XXXX XXXX XXXX XXXX INQUIRIES are uploaded in the attachments.

Also be advised that The Fair Credit Reporting Act states that any information that is maintained under any individuals credit report must be accurate. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 48 hrs of receiving this letter. I am prepared to file a lawsuit in small claims court where you will be forced to appear. Also be aware that I have sent in return receipt signature for pervious certified letters. Ive sent certified letters and I have records on file of the certified letters. I am keeping it as evidence when we appear in court. I sent this letter because i need your prompt response to this issue and i need written corespondent that your company is acting upon my request. If you find that i am remised and you do have my authorization to inquire into my credit report and then please send me proof likewise. 

Sincerely XXXX XXXX XXXX Witness : XXXX XXXX Witness : 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 01/17/2018 about Debt collection (Credit card debt) with Financial Business and Consumer Solutions. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: On numerous occasions, beginning on XX/XX/2017, FBCS , Inc. ( located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX ) and their client XXXX XXXX XXXX XXXX XXXX XXXX ( located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MO XXXX ) contacted me regarding their collection of XXXX account XXXX debt of {$10000.00}. A phone representative of FBCS Inc. has been calling my home phone repeatedly, as well. When my wife answered and asked for debt validation to be mailed to us, the phone representative informed my wife that FBCS weren't legally required to send anything to us, informed my wife that she was stupid to request it and that my wife " knew nothing. '' I responded to all correspondence from FBCS, Inc. and XXXX XXXX XXXX XXXX XXXX detailing that I never authorized this alleged credit card charge to XXXX, the merchant or anyone else. I detailed to both FBCS, Inc. and XXXX XXXX XXXX XXXX XXXX that I consider this XXXX credit card charge to be fraudulent, that I am currently disputing the amount, and that I have active investigations with various governmental entities regarding this alleged debt. Both FBCS, Inc. and XXXX XXXX XXXX XXXX XXXX, after their first letter dated XX/XX/2017, violated both my State and Federal rights by placing derogatory marks on my credit reports with all credit reporting agencies ( XXXX, XXXX and XXXX ) without first investigating my dispute, responding to my requests for debt validation. I am filing this complaint against both FBCS, Inc. and XXXX XXXX XXXX XXXX XXXX as my rights have been violated. Please, help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
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: I have Navient and got the loans for school but I became injured and am now  XXXX , I kept putting the loan into deferment. I Recently lost my husband in  may  of this year and ca n't afford to pay  it.I  a living month to month.I have sent in letters and they just keep sending bills.I just can not afford it.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Debt collection (Credit card debt) with AMERICAN EXPRESS COMPANY (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I reached a settlement with XXXX XXXX XXXX, XXXX on XX/XX/XXXX on an XXXX ( AMERICAN EXPRESS ) ending XXXX, XXXX XXXX XXXX, XXXX account reference # XXXX. 

The settlement was being paid on timely manner and Collections agent, XXXX XXXX XXXX, XXXX, did not honor and worse kept additional funds not properly adjusted form balances and agreement. 

According to settlement agreement payments where to be received in a timely manner which they were sent and post marked correctly. Nowhere in the settlement letter it states that funds had to clear by the date provided but sent in timely manner which they did revive as such and deposited. 

This collector is in violation of FDCPA by collecting and already provided and being paid for agreement and also not accounting for all funds. 

I have provided settlement documentation and payments effected which clearly reflect that I had until XX/XX/XXXX to complete settlement and the collector simply voided settlement without regards for my compliance and payments effected in timely manner

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I have a large amoun of small student loans over the course of years. XXXX degrees and XXXX degrees. I do take responsibility and pay my student loan. I consolidated to my knowledge my student loans under a navient servicing center that consolidated all of my loans. Little to my knowledge did i know the company could not consolidate a spousal smart consolidated loan with your DL 's. All loans were consolidated under 1 payment which is {$600.00} dollars monthly. My payments were only going to my DL and my Federal loans were getting nothing paid on them for over 8 months. Unto my knowledge I have now gotten my loans unconsolidated from a 4.75 % to a 6 % higher interest rate and all of the {$600.00} ive paid for over 8 months. I am unsure where the credit is. A balance started out as {$110.00} k was now $ XXXX due to double charging me for my loans and consolidating loans incorrectly. 
the balance has been corrected in the system back to the original $ XXXX but all of my {$600.00} a month payment ive made auto pay for over 8 months. I do not know where my credit is. The loan that was incorrectly consolidated is not XXXX + days over due. The servicing company has charged me late fees and I had to pay to get a extended forbearance because i have used up all of my forbearances. That has not been approved. Sent 1 email stating this was the XXXX delinquency notice out which indeed was the first on this past friday XXXX/XXXX/16 stating I can get my check garnished, bad credit reporting etc. My payments are not correct in the system. I went from a consolidated loan of XXXX back to $ XXXX but the payments are unresolved to the correct amount, the due dates have not been corrected, my {$8000.00} credit is no where to found nor credited to my account.Im still past due on my Federal loan with a late fee and I have to get my DL reconsolidated again as Navient servicing center cancelled the consolidated i had which had a 4.75 % and now its at a 6 % interest rate with incorrect payment amounts. Balances and amounts incorrect. My entire account is a unprofessional mess. I am so disappointed in navient unprofessioanlism and huge mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX is reporting a account with the wrong open date. It 's not accurate. The account is years older then what 's being reported. It 's misleading information for means of obtaining creidit, which leads to negative success of new credit. What a headache.

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 06/21/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There were XXXX hard credit inquires from " XXXX '' and " XXXX XXXX '' on XXXX XXXX, XXXX. I have credit monitoring services through XXXX and XXXX XXXX. I called XXXX and the representative contacted XXXX XXXX and connected me with them through three-way calling. The XXXX XXXX representative stated that they have no record of me applying for a recent loan. In fact, the XXXX XXXX representative stated that XXXX XXXX records showed a delinquent debt that was resolved through Chapter XXXX bankruptcy. I filed for chapter XXXX bankruptcy on XXXX XXXX, XXXX and the XXXX XXXX debt was in the bankruptcy, which was discharged on XXXX XXXX, XXXX. There is no way that I would apply for new XXXX XXXX payday loan after receiving the discharge. I 'm not sure what happened, but I have XXXX hard inquiries on my Equifax credit report that I did not authorize or initiate.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Focus Holding Company (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have a collection on my credit report from XXXX XXXX XXXX. I 've never had XXXX. I had this problem with another collection agency and it was taken off. I do n't know if they passed this on to another collection agency or not, because the amount is the same. I 've spoken with this company several times and they could n't give me any info on the debt. The XXXX time I spoke with them back in XXXX they said they would remove it and they have n't

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Credit reporting () with Collection Consultants of California (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I sent certified mail requesting that my account show proof that my medical insurance was billed by XXXX hospital for my visit on XX/XX/2015. Collection Consultants Collection Agency is billing me without having ever billed my medical insurance. I never received a response by mail from them in which I am entitled to. They ignored my certified mail and refused to show me proof that they billed my insurance prior to sending me to collections. My coinsurance would be {$75.00} ( real balance ) total and they are billing me an incorrect charge for over {$10000.00} plus {$1800.00}. I submitted all my documents showing my conversation with the billing office in which they stated they have my insurance and would bill them.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Experian is refusing to remove outdated creditors on my credit report. The following creditors have been reporting minimal 9 years and some more than eleven years which according to FCRA if the creditors have not been deleted I am within my rights to request for them to be deleted from my credit reports. Upon reviewing my credit report ( report number XXXX ), I discovered obsolete accounts. Please delete this accounts immediately as they are too old to be in my credit file. If for some reason the account is verified, please send me the name of the person who provided the information and the method in which it was investigated. It is also against the FCRA to re-age accounts and they seem to be doing this as well. 
Account names : XXXX, XXXX, Date opened XX/XX/XXXX XXXX, XXXX, Date opened XX/XX/XXXX XXXX,XXXX, Date opened XX/XX/XXXX duplicate account XXXX, XXXX, Date opened XX/XX/XXXX XXXX , XXXX, Date opened XX/XX/XXXX Transferred, closed. 
XXXX, XXXX, Date opened XX/XX/XXXX Transferred, closed XXXX, XXXX, Date opened XX/XX/XXXX Then Experian is reporting names that are not mine : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX,XXXX XXXX , XXXX They have this XXXX as my address, I have never had a XXXX : XXXX FL 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 02-10-2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Hello, I opened an account with with XXXX XXXX on XX/XX/XXXX. I fell on financial hardship and wasn't able to pay any longer. They sold my account to portfolio recovery they started reporting XX/XX/XXXX. I sent them a validation letter all they sent me was a bill back their wasn't a contract or an original signature attatched to it. I also looked up and they aren't able to collect in Maryland because their license expired in XX/XX/XXXX. It is a violation for them to collect with an expired license due to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (MN).
Issue: Settlement process and costs

Complaint: Carrington Mortgage Services Research dpt. 
XXXX XXXX XXXX XXXX, CA XXXX:XXXX XXXX : XXXX name is XXXX XXXX I was the customer for this loan. I refinanced my home on XXXX. The new loan funded on XXXX/XXXX/15. I have included copies of my XXXX/XXXX/15 statement from Carrington Mortgage and the HUD from the closing showing exactly what was paid to Carrington Morgage. I received a check for the amount of XXXX on XXXX/XXXX/15 dated XXXX/XXXX/15 for my escrow. However the escrow from the statement ( enclosed ) shows {$1100.00}. In addition there was XXXX added to that in the XXXX payment for a total of XXXX. I would like to know what happened to the ballance of my escrow? What account is there for the XXXX left in escrow? 

I have called and spoken to personel at your facility. Nobody gave me a name. I feel obligated to forward this to the Attorney general and the Department of Housing/urban Development. I expect to hear from a representative of Carrington Mortgage by XXXX XXXX/XXXX/15

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: I am filing a complaint against XXXX ( PREVIOUSLY KNOWN AS XXXX XXXX ) for an unresolved issue. It is my belief that XXXX ( XXXX XXXX ) is acting deceptively regarding the student loans they service for the U.S. DEPT. OF EDUCATION. I completed my formal education with an XXXX in the Summer of XXXX. Prior to the completion of my education in XXXX all of my loans were in deferment because I was in school. After graduation my loans went through a number of deferments and/or forbearances. In XXXX, I went through a difficult time which subsequently led to a divorce at the end of XXXX. During this time I was in communication with XXXX XXXX at various times and believed that my loans were either in deferment or forbearance based on what my loans qualified for at the time. I was shocked to learn some time later that some of my loans had gone into a past due status. I was even more shocked and confused when the U.S. DEPT. OF EDUCATION told me that I had loans in default but that the would help me with rehabilitation so that I could get my loans out of default and have all the negative credit information removed from my credit file ( s ) ( including the negative information reported by the loan servicer because I was told they report of their behalf ). I agreed to the rehabilitation even though they should have never gone into this status if the deferment and/or forbearance was applied properly ; however I was absolutely horrified that my credit had been impacted and I wanted to move forward with getting the matter resolved. All of my loans have been rehabilitated and the U.S. DEPT. OF EDUCATION has removed all negative credit information with respect to my loans from my credit file ( s ) but XXXX refuses to do the same. In addition, beginning in XXXX XXXX I replied to numerous e-mails sent to me by XXXX requesting forbearance for my loans. I also called XXXX multiple times in XXXX checking on the status of my loans and was assured my loans were in good standing. I called in XXXX XXXX in response to an e-mail I received from XXXX and spoke with a representative that assured me that the forbearance was approved and I would not have to worry about anything reporting as past due on my credit ; yet XXXX is reporting me delinquent for the months of XXXX XXXX and 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 10-04-2017 about Debt collection (Medical debt) with Professional Credit Analysts of MN, Inc. (MN).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I received a letter from Professional Credit Analysts of Minnesota alledging that I owe a debt of XXXX to XXXX XXXX XXXX. This letter was dated XXXX/XXXX/XXXX. I decided to respond in writing as I need validation and verification for this alleged debt. Today, XXXX/XXXX/XXXX I received a call from someone who identified himself I believe as " XXXX '' I believe he said. His name was hard to catch because he was talking fast in the beginning of the call. He stated that he was calling in reference to this debt. I said " ok '' and he gave me the amount. I said " I 'll be responding in writing '' He started yelling at me, he said " We are a collection agency your writing wo n't do anything! '' I again said, " I 'll be responding in writing ''. Then he yelled again and said " So are you refusing to pay me?? '' I again said, I 'll be responding in writing, thank you for your call today. '' and I hung up. I thought that was very unprofessional the way he yelled and that he used the language " are you refusing to pay me? '' since clearly if I do owe this debt it is to the company he represents not to him personally. How can he say my writing will do nothing when the letter they personally send says things like " If you request this office in writing within 30 days after receiving this notice ... '' Completely rude and blatant harassment!

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 01-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 06/22/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: as usual they are still stateing that I am indeed that woman with the messed up credit. all so they have given me to social security numbers same as before XXXX is mys. the other XXXX belongs to the person who bad credit belongs to .also they Equifax are stil reporting that Iam a full time student and previous jobs that I work at and still saying that the XXXX Bill is mys ..

Company response to consumer: Closed with explanation