milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-04-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My credit score dropped from XXXX last winter to XXXX. I did n't know what could have been the issue since I pay my bills on time each month. I ordered a credit report and learned that XXXX XXXX who issued a credit card to my XXXX year old unemployed son two years ago reported to TransUnion and XXXX that I was delinquent in paying a credit card bill. I never applied for a card from XXXX XXXX, my son applied without my knowledge. My son was not employed on a regular basis when he received the credit card. He could n't find a full time job and has now returned to school to get a XXXX degree to try and find employment in his proposed career. He has been unable to pay off the {$1000.00} debt he incurred as a result of his unemployment status. XXXX XXXX sent offers to my home address regarding paying off the outstanding balance at a reduced amount. I suggested that he authorize me to negotiate on his behalf since I did n't want him to impair his credit which could negatively impact his job prospects. I had no knowledge that by doing so the bank would add me as a borrower and report the delinquency on my credit report XXXX. I called on his behalf and was unable to negotiate anything since the bank insisted the debt be paid off within XXXX months. I told them he could repay it within a year after completing an unpaid internship that is to hopefully lead to a paid job. I knew he did n't have the financial means to pay off the debt currently. I told the bank official I did n't want to pay off his debt since it would n't teach him a financial lesson. My refusal to pay off debt my son incurred on a credit card he should not have been issued resulted in XXXX XXXX reporting the delinquency as mine. I have spent years maintaining excellent credit and pay my bills on time and in full each month. The actions XXXX XXXX took by reporting my adult son 's delinquency as mine is wrong. I would like this investigated and would like XXXX XXXX to withdraw the negative credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Credit reporting () with EQUIFAX, INC. (IA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: On XXXX/XXXX/16 I obtained my Equifax credit report and discovered an unknown medical collection acct listed. I wrote to Equifax on XXXX/XXXX/16 to properly dispute this alleged medical debt and they responded on XXXX/XXXX/16 that they verified the entry belongs to me. They then provided me with the name of the collection agency ( XXXX XXXX ) and instructed me to contact them and provided me with an address. I promptly wrote to XXXX XXXX at the address provided ( as instructed by Equifax in their response on XXXX/XXXX/16 to my initial dispute on XXXX/XXXX/16 ) to dispute and request validation of this unknown medical debt and received no response. I wrote to Equifax REdisputing this unknown medical debt providing them with a copy of my letter to XXXX XXXX as well as proof of delivery of the letter to XXXX XXXX and again requested that they delete this unknown entry on my credit report. According to the USPS, Equifax received that letter on XXXX/XXXX/16 at XXXX. Equifax has failed to respond ( as of XXXX/XXXX/16 ) in the required 30 day time frame and this entry should now be deleted as I properly disputed this unknown account with both parties. This account is not listed on any other of my credit reports. Equifax 's refusal to properly investigate this account is a violation of the FCRA and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
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 sent request to Experian,  XXXX , and  XXXX  regarding reporting of a Chapter  XXXX  on my credit file. I received a letter from bankruptcy court stating they do not send information to credit bureaus. The  XXXX  major bureau sent me notification stating they received reporting on the account from  XXXX   XXXX . This is inaccurate reporting as nowhere on my credit file does it state that information was obtained from  XXXX   XXXX . It specifically states this was reported b y Bankrupty Court. I  sent the  XXXX  major bureau a 2nd letter requesting this be removed for inaccurate reporting. I received a response again that it had been verified

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 04-06-2016 about Mortgage (Conventional fixed mortgage) with loanDepot.com, LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company " loanDepot '', which collects monthly escrow for my property tax payment was supposed to make the property tax payment on XXXX XXXX, 2016 to XXXX XXXX Treasurer. They did not make the payment. I had called them twice and was told that they will make the payment prior to them transferring the servicing of my mortgage to another company on XXXX XXXX, 2016. Instead " loanDepot '' transferred my escrow balance to the new company ( XXXX XXXX ) on XXXX XXXX, 2016. I called the new company and they said they will put a note to pay this property tax bill which becomes delinquent after XXXX XXXX, 2016. I checked the XXXX Treasurer website today ( XXXX XXXX ) and my property tax payment still has not been made. That is 5 days away.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: My credit report with Experian is frozen. On XX/XX/XXXX at approximately XXXX PM, I requested on line that my credit report freeze be lifted temporarily. The only option offered on the website was for 24 hours, although I only required a one hour credit lift. At XXXX PM today, I called phone number XXXX to verify that the freeze had been reinstated. I told the lady who answered my call that I had asked yesterday that the credit freeze be lifted temporarily, that I understood it was for 24 hours, and that I was calling to verify that my credit report had again been placed in a freeze status. The female ( voice sounded like a young person ) then asked for me to give her my social security number, full name, and date of birth. I obliged as I was under the assumption that she was about to check the status of my credit freeze. Instead, she tells me that she is not authorized to do so and must transfer me to someone else in another department. I 'm stunned ... ..I have just given my personal information to someone, who for all I know is a temp telephone operator or who knows what, who has my personal information and is apparently has no authority at the credit bureau. I might expect this at XXXX or XXXX but not a major Credit Reporting Bureau. Because of the nature of their work, these people should realize just how important this information is to customers such as myself. 
On another note, I do n't understand why these folks do n't offer the option of a one hour temporary lift of the credit freeze. It turns out this particular lift will remain in effect until XXXX PM the next day as the consumer has no shorter duration option ... ..way too long!

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 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX is reporting all my loans as past due. They refuse to correct it. My loans were in deferment for years. I consolidated the loans with another company in which I pay now. I have 4 loans, they are reporting 6 loans and all past due which is not correct. I have never been late on my loans. It has ruined my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I contacted XXXX XXXX on XX/XX/XXXX in reference to two alleged late payments on XX/XX/XXXX ( 30 Days ) and XX/XX/XXXX ( 90 Days ). I reviewed the information that was provided to me by XXXX XXXX and I disagree with this information reporting via XXXX, Equifax, and XXXX. 

I never was late on these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has clearly exhibited negligent, incompetent and irresponsible actions, which results in the massive data breach incident. It has acknowledged and been aware of the incident since XX/XX/2017 but did n't do anything about it until XX/XX/2017. Also, Equifax has similar data breach incidents previously but still ignore to address the issue within its own system and website. According to cybersecurity expert, it still fails to ensure its security practice are up to the industry standard. This is clearly irresponsible and negligent on Equifax 's part and I was impacted by this incident caused by Equifax. 

Since the announcement of the massive data breach incident on XX/XX/2017, Equifax has provided a tool to check if any individual was affected. However, this tool is virtually useless. First, this tool requests ssn and last name in order to verify, but these pieces of information are the part of the massive data breach. Therefore, anyone, who possessed the leaked data, can assume other person 's identity and potentially setup Equifax credit monitoring service instead of the actual affected individual. Secondly, Equifax did n't initially do due diligent to ensure the tool to verify and identity if the individual was affected working properly. This is irresponsible and exhibits incompetency on Equifax 's part.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have inquiries on my credit that do not belong to me and I have disputed these multiple times with the credit bureaus ( XXXX, XXXX, TransUnion ). I submitted a police report, FTC report and letter XXXX times and they refuse to remove these in violation of section XXXX. Under this section, all disputed account must be blocked within XXXX business days and require a full investigation. I have never disputed these inquiries before ; therefore, they can not be considered frivolous. This is my last resort before I send an intent to sue. I am a victim of identity theft and these inquiries are the result of someone else using my information. 
Here is a list of the Companies and dates of the inquiries : XXXX XXXX XXXX XXXX SC XXXX TU XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX TU XXXX/XXXX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Student loan (Federal student loan servicing) with AES/PHEAA (ID).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: First off, we are responsible and hard working people not looking for a bail out, just company that can operate fairly and accurately. XXXX XXXX XXXX consistently makes vital errors, gives wrong or inaccurate information and has terrible customer service. 

Ever since I consolidated my and my wife 's students loans in 2013 and were set up with XXXX XXXX XXXX XXXX we've had issues when it comes to re certifying our income based loans, inaccurate information and blatant errors. 

Each year they fail to calculate our income based repayment plan properly and we are forced to spend hours on the phone with them or resubmitting paperwork because of their mistakes. Not to mention the thousands of dollars they are costing us. Every year since 2013 they've made errors when recalculating for IBR. Often doing the math wrong or forgetting to add in my or my wife 's loans on both our accounts. Last year they miscalculated 4 times taking 9 months for them to get the payment corrected. During that time both loans were put into forbearance and we were charged nearly {$20000.00} in interest because we were not making payments, due to their error. After endless hours on the phone, being given inaccurate and contradictory information they finally got it correct. Also, I'm on Public Loan Forgiveness and missed 9 months of " qualifying '' payments because of their incompetence. I would have liked to have been paying on my loans, at the correct amount. 

The company makes extremely costly errors, admitting to the errors over the phone and gives inaccurate information. They should be replaced by the Education Department and held accountable. I would venture to say most of our current national student debt issues are caused by these incompetent private companies, due to fees and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I submitted XXXX my identity theft packet to Experian. Upon the XXXX submission, I was told by a representative of Experian that they did not believe the identity theft packet came from me and that I would need to resubmit it. The next day, I resubmitted the identity theft packet via overnight, certified mail and it was signed for by Experian. Upon calling in the next day, I was told by a representative that it was received and not yet processed. I called back in to Experian a week later to check the status to be told that the identity theft packet was never received and that I had been ill informed by the previous representative. I was encouraged to resubmit it again. Today, I did resubmit the identity theft packet online on their upload website. I made the request to have fraudulent accounts detailed in my police report blocked pursuant to the Fair Credit Reporting Act, Section 605B immediately. A month has passed since both prior submissions and Experian refuses to acknowledge or process my identity theft report and block fraudulent information negatively reporting on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Debt collection (Medical) with WAKEFIELD & ASSOCIATES, INC. (MO).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: The collector " XXXX '' who was working on behalf of Wakefield and Associates, contacted me looking for my spouse. Without offering my name he then asked if I was " XXXX XXXX ''. I merely had to say yes. He then provided me my address and before I could even agree to any more than being XXXX XXXX, he began to explain who he was and why he was calling. He provided the debt amounts and the different institutions the were with as well as the dates they were incurred. I did not have to provide any information of my own to confirm my identity. Merely say yes to everything provided to me. I than asked for a supervisor. Once on the phone with the supervisor " XXXX '', I explained the scenario and the supervisor took no interest in the violation. At that point they proceeded to attempt to collect on the debt. I asked what they would be doing in regards to the violation they stated they could not take action until they listened to the recording. I simply had to verify a street name, not even an address with the supervisor to confirm that I was who I said I was. I was even provided the street name. I asked them if there was any further information they needed to verify my identity " XXXX stated that street name was all they needed. XXXX asked if I wanted them to listen to my recording and then they could contact me back, to which I agreed.

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 11/21/2015 about Credit card () with ENCORE CAPITAL GROUP INC. (ME).
Issue: Delinquent account

Complaint: I held a credit card from XXXX XXXX XXXX XXXX. I had to retire from my job and was without XXXX payments for over a year. The date was XXXX and at this time I called XXXX XXXX and inform them. I also tried to make payments arrangements when I did received my XXXX, however they sold my debt to Midlands Funding LLC instead. I wrote a letter to Midlands and asked them to verified the date. They sent me a bill of sale with redacted information in it. I wanted to know what they bought my debt for and could we work with this amount. Instead on XXXX XXXX, XXXX they served me with court papers to serve me with the full amount they say I owe but blank out all in their so called verification of bill of sale. I called them immediately I explained that I can not pay them this debt in full as I am retired and collecting Social Security XXXX. I asked them not to contact me by telephone. I also ask them to discharge or settle this debt for what they paid for it not what they are claiming they are saying and they refused. I said ok I will pay you XXXX a month this is all I can afford. This said that was not good enough. On XXXX XXXX, XXXX Again I received notice from the law firm ( debt collector ) stating I did not respond to their request on XXXX/XXXX/XXXX. I again started I spoke with someone and told them on XXXX/XXXX/XXXX that I would send them {$20.00} a month and I did and will continue. I want them to verified my debt and not send me paperwork with redacted and blank amounts. I want them to settle this debt for a lower amount and let me make payments. They continue to accept my payments to this day but continue to want to sue me as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-11-2017 about Debt collection (Other debt) with ERC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XX/XX/XXXX RECIEVED ANOTHER LETTER TO MY HOME XXXX XXXX XXXX XXXX XXXXXXXX FLORIDA XXXX ABOUT A DEBT AGAIN FOR THE 18TH TIME WHICH INCLUDES PHONE CALLS STARTING BACK FROM XX/XX/XXXX WHEN I FIRST FILED THE INITIAL COMPLAINT WITH THE FLORIDA OFFICE OF FINANCIAL REGULATION. COMPLAINT ID XXXX SATED TO XXXX A YEAR AGO AND I DO NOT OWE ALSO FROM XXXX XXXX XXXX XXXX AND XXXX THE SAME TACTICS VIOLATION OF THE FEDERAL FAIR DEBT C OLLECTION PRACTICES ACT.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Credit Bureaus changed the status of my XXXX XXXX XXXX Account from closed to collections. This is an error. This account is current and being paid as agreed. According to the XXXX XXXX XXXX XXXX, child support should only be reported on credit reports if the past due balance is over {$1000.00}. I am current on my payments therefore the account should be removed, if not placed in a current status.

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 10/15/2015 about Consumer Loan (Vehicle lease) with GENERAL MOTORS FINANCIAL COMPANY, INC. (TX).
Issue: Managing the loan or lease

Complaint: I had a XX/XX/XXXX chevy XXXX. I leased this vehicle XX/XX/XXXX for XXXX miles a year for 39 months. During the period of time I had this car, I had at least XXXX recalls, as well as a blown transmission only XXXX miles into the lease. Needless to say I have been disappointed. At my 36 month mark I decided instead of bringing back in for ANOTHER recall issue, as well as additional transmission issues, that I would return my lease early and ask for my last XXXX payments to be waived. I called customer service at GM financial, and I was told they could not help me, and that I needed to call GM corporate. I called GM corporate and they said I had to call GM financial. Round and round we go. 6 hours over several days on the phone and no help. I finally get a " ticket '' and was told to bring the car to the dealership, they will do a diagnostic, and my payments will be waived. I returned this vehicle on XXXX after being told by GM that if I return the car, they will waive the remainder of the payments. Please note at time of return I only had XXXX miles on the car. WELL below my lease allowance. Well, I got a kick in the face on XXXX, GM financial removes {$460.00} from my bank account for this car that I no longer have. I tried calling again, only this time to be transferred numerous times and hung up on. I was also told that " there are no supervisors to speak to, they are in meetings ''. My fear now is that not only am I out the {$460.00}, but that they will continue to charge me for 2 more months for a defective car that I have returned. I want my money refunded, as well as any future payments waived.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Unauthorized Inquries were removed from my credit report then reappeared weeks later. This is my 3rd time addressing this issue.

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