milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-05-2017 about Debt collection (I do not know) with TENET HEALTHCARE CORPORATION (SC).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: I am having a huge p roblem with Central Finance Control. I found anothe r account  this one b eing  XXXX  on my   XXXX   and  XXXX  report. The other account I previously filed about was different and on  XXXX   XXXX . I have sent them a cease and desist, called their office and requested FCRA  623  required to report any account to cra and prove verification of accuracy including complete paymet history and sisgned contract from original creditor. They have refused to provide it and denied me the requeste FDCPA letter of notification within 5 days of receiving. They also were abusive and rude on the phone and refused to provide the letter of assignement between the original creditor and their collection agency which too is my right to have to any account they claim belongs to me.   WHILE EATING DINNER WITH MY FAMILY last night at a restaurant I got a phone call from CFC after   XXXX   XXXX   and have phone record to PROVE IT, and the phone call  XXXX  from NEVADA and that is illegal as  CFC i s in CALIFORNIA So misrepresentation of their location and calling from somewhere they are NOT located. To beat it ALL the rep on the phone gave me my full social security number WITHOUT even verifying it was truly ME on the phone!! That is complete ignorance of collection tactics and LAWS for a collection agency!! When I questioned why in the world this rep would provide that kind of info over the phone I was ignored This is NOW A  HIPAA vi olation and warrants lawsuit for not only the original creditor but absolutely warrants lawsuit easily won against central finance control!!!!!   I have contacted the original creditor and notified them this agency is operating in totally disregard to credit reporting laws, violation of FDCPA and noncompliance to FCRA and FACTA.   This will be taken now to the Better Business Bureau and Attorn ey Generals Office of California. I will contact the California regulator for collection agencies and Bureau of collection offices and debt collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had residential mortgage loan with XXXX XXXX XXXX, XXXX, Loan No. XXXX. The Loan has been paid off as of XX/XX/XXXX. All payments on the loan were made by automatic electronic payment system through my bank. No payments were ever late. However, in XX/XX/XXXX, for unknown reason, XXXX returned one payment, even though it was the same as every prior payment on the loan. XXXX then started charging late fees, and applying subsequent payments to that payment. Upon learning such and speaking to XXXX representative, I made double payment. I also spoke to supervisor and upon sending in the bank record showing EVERY payment from my bank, the representative approved removing late charges. XXXX, however, continues to list late payments on my credit report. It is adversely impacting my credit, and I am in process of applying for new loan. I spoke with XXXX customer service 2 weeks ago and was told they would respond in 10 days. No response has been forthcoming. I sent urgent email last week. After years of similar payments by my bank, XXXX acted capriciously in rejecting my timely payment. XXXX once did acknowledge the error and removed the late charges. XXXX, however, is not correcting the credit reporting on their error, and it is adversely impacting the credit of my reports ( XXXX XXXX XXXX ) and my wife 's reports ( XXXX XXXX XXXX ). XXXX needs to remove adverse reporting on my credit on on my wife 's credit.

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 03/15/2018 about Debt collection (Federal student loan debt) with Action Financial Services, LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I HAVE RECEIVED A GARNISHMENT AGAINST MY WAGES THAT DOES NOT BELONG TO ME. I HAVE ATTEMPTED TO OBTAIN A RELEASE FROM THE GARNISHMENT, BUT, THE COMPANY NAMED ON THE GARNISHMENT ( ACTION FINANCIAL SERVICES LLC ), WHEN CALLED, REFERRED ME TO ANOTHER COMPANY, XXXX XXXX XXXX AT XXXX XXXX XXXX  XXXX, XXXX, TX XXXX. I HAVE BEEN UNABLE TO RESOLVE THE MATTER ON MY OWN, THEREFORE, PERHAPS I MAY OBTAIN ASSISTANCE FROM YOUR AGENCY. A COPY OF THE GARNISHMENT IS ATTACHED. 

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 11/23/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt was paid in full with us bank who has deleted this account from my credit report. In addition Portfolio is reporting the first date of default as of XXXX but it was back in 2008 and not it has passed a 7 year statute of limitations that account is allowed to be reported on credit report. However, Portfolio is refusing to admit that fact that they are illegally attempting to collect on the debt that has been 1st settled in full with original creditor who already deleted it from my credit report and 2nd this has passed a 7 year statute of limitations for the account allowed to be reported on my credit and 3rd it has passed a 4 year statute of limitations that collector has the right to attempt to collect a debt on the past due and expired account. Plus porfolio continues their harassing phone calls, and letters even though I sent them with cease and desist letters via certified mail, they claiming not to receive them and keep harassing calls to my home and cell # at in aunapropriate times of the day. THESE ILLEGAL COLLECTIONS AND HARAsSMENTS MUST STOP IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Debt collection (I do not know) with SUNTRUST BANKS, INC. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: To Whom It May Concern : Re : Case No. XXXXXXXXYou all had SunTrust to release the Deed of Subordination at the XXXX County Register of Deeds Office, but what about the deed to my property? That 's what the DOT for {$38000.00} was all about. SunTrust alleged that I borrowed money from them in XX/XX/XXXX to renovate rental properties. As I stated before, I have never owned any rental or commercial properties. That land was purchased by my mother, XXXX XXXX. It was later deeded over to me to help out with her personal care should any expenses occur. The mobile home is anchored to that land. I sent you a copy of all the grantees that SunTrust have used to show ownership in the past. I believe that XXXX is XXXX of their subsidiaries too. They can give me my land back with no problem because the loan was bogus. I do n't have a lawyer that wants to tackle this case because they said it 's too old and it would be too time consuming to get all of the information that would be needed. I have put fifteen years in it myself and it has just about consumed me. I was told by the US Attorney General 's Office that you all could fix it. You have done a lot by releasing that loan against my home and I thank you so very much. I did n't receive a response in regards about the land ( XXXX XXXX at XXXX XXXX XXXX XXXX ) or about my monies that I paid on something that I did n't owe. I did n't know that Banks were allowed to run over consumers like me just because they feel like it. I have been taken the advantage of and mistreated. Please let me know what response you got from SunTrust about these issues. Please explain to me how they can foreclose on my land and the debt was bogus? I know I contacted you all after the fact but you did n't exist until XX/XX/XXXX. You made them write the note of satisfaction, so why not get my land back? I never signed my land over to them during my construction loan with XXXX and later became XXXX XXXX, did n't include it with my mortgage either. SunTrust made up this loan and how can they get away with it? This ca n't be legal. As I stated before, my lawyer died suddenly, the company I bought the modular home from filed bankruptcy and we never had a closing because CCB merged with SunTrust and this was when all hell broke loose. Please help me to bring this matter to a close. Thank you in advance for assisting me with this issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Credit reporting () with Experian Information Solutions Inc. (OK).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Under current federal law, the XXXX credit reporting agencies are suppose to let you review you credit report annually. I have tried for XXXX years and I always get various online replies from the XXXX agencies that they can not process my request or that I have already requested a report. It seems like if you do n't buy their additional credit products they refuse to give the consumer their free credit report as required by law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
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 forwarded a letter Certified Mail to XXXX XXXX XXXX advising that Portfolio Recovery ( Debt Buyer ) reported a XXXX entry in the amount of {$8600.00} on my report as a RECENT Delinquency and placed for Collection on XX/XX/XXXX. 

I am aware of the ILLEGAL practice of False Credit Reporting otherwise called RE-AGING a debt to severely damage a consumers credit score. 

I have an older XXXX statement dated XX/XX/XXXX - showing this same account #, when it was XXXX XXXX - before XXXX purchased. Last payment made is showing XX/XX/XXXX. 

In a letter dated XX/XX/XXXX, results state info updated, verified as accurate and updated In addition, Portfolio Recovery has illegally requested my credit report without my permission on XX/XX/XXXX, when they placed it into Collections XXXX XXXX XXXX on XX/XX/XXXX - sent a Collection letter regarding the XXXX account to MY MOTHERS address in FLORIDA!!!!!! How EMBARRASSING I have a copy of the letter. ( this was just prior to selling to Portfolio Recovery ) I am on the " OPT OUT '' list for Credit and Insurance. 

Portfolio Recovery from their XXXX XXXX NY telephone numbers continues to robo dial me several times a day and a week. 

XXXX XXXX, XXXX XXXX also known as XXXX XXXX , XXXX continues to Robo dial me from the telephone number XXXX and also has illegally requested my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My college loans have been duplicated on my credit report, all three major reporting agencies have the same wrong data. I have spent over 20 hours on the phone with XXXX XXXX XXXX in the past two weeks. The lack of customer service is simply appalling. I have talked with 5 different  supervisors. All state the error is on XXXX end. My balance to the loans is currently XXXX. In XX/XX/XXXX XXXX is stating they issued new identification numbers to their loans for ease of access to the consumer. With whatever changes they made they are now showing my total balance due on credit agencies to XXXX. XXXX. When contacting discover they first blamed Experian for duplicating the information to all three reporting agencies. I had an open dispute with all three agencies, to which a representative from each agency stated to have discover contact them directly with the loan balance. 
Here comes my frustration. 3 separate Supervisors, XXXX, XXXX, and XXXX all stated it is not in their prerogative to initiate a contact with the agencies including my open dispute case number. This would be as simple to send the updated information to the agencies, but from what I can tell they are too busy covering their tracks rather than owning up to the discrepancy. They have stated they have sent the information to all three agencies, but to date all agencies state they have not received anything from discover. 
I call XXXX to talk to someone above a supervisor and they said that would be redundant. Redundant to fix a clerical issue of almost 100k?! I am in the process of procuring a mortgage, this incorrect information has dropped my credit 100 points. XXXX has sent myself updated loan information that is correct, and states they have contacted the credit agencies but offer no proof of such contact. I am in desperate need of assistance and am contacting you folks before I contact an attorney to see what rights I have as a consumer to take action against XXXX. I understand accidents happen but I am appalled that with a company who purchased my loans from XXXX, I am stuck doing business with what feels like a criminal organization. Please advise of steps I may take.

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 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CL HOLDINGS LLC (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I pulled my credit report and noticed that  Jefferson Capital Systems are reporting negative information to the reporting agencies. This company is not licensed and bonded to do business in the state of Te xas and should be removed immediately from my credit files with the credit bureaus. I have contacted them with no resolution. I am requesting this information be deleted immediately due to affecting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/19/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Credit decision / Underwriting

Complaint: At few years ago, due to a family death, I requested my mortgage company to allow me to miss a payment so I could attend my sisters funeral out of state. I was told that I could do a remodification ( but could not make a payment for 3 months ). I explained that I could make the 3 payments but, I was told during the modification, I would not be allowed to make payments, that the company will notify me when my next payment would be do. This has caused a big bite out of my credit report. I need your help in getting this removed.

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 06-12-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: i have disputed these items with all three bureaus by phone and mail and fax. They will not take the inquiries off saying they are a matter of record and telling me to contact the agencies to do there job to verify if the information that they are reporting is accurate when i am telling them it is wrong along with submitted all verifying documents from courts, child support agencies, police reports and proof of residence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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 have filed multiple disputes with each of the 3 major credit bureaus. I have provided substantial evidence of their erroneous reporting of my credit specifically a tradeline for XXXX XXXX XXXX who is notorious for sending wrong and fatal payment history data to all 3 credit bureaus. My evidence shows an online payment transaction history for the year 2016 reflecting no 30 day late payments were ever made to XXXX XXXX XXXX however XXXX XXXX Experian and XXXX XXXX XXXX refuses to remove the erroneous information which is a direct reason why I was denied a home loan.

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 12/31/2015 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The credit bureau will not perform a proper investigation nor will they delete inaccurate personal information from my credit reports after all documentation has been sent to them. The courts verified with me via the phone that the liens and the judgments are not verified with the credit bureaus. According to the Fair Credit Reporting Act Section 611 part B subsection iii, they are supposed to verify with the source of the information which they are providing me but apparently that is not what is going on. 

I asked for the following : 1. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 
2 Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 
3. What certified documents were reviewed to conclude your investigation? 
4. Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 
5. What did it cost your company to obtain the documents needed to complete your investigation? 
6. Please provide proof of your timely procurement of certified documents.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2015 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I do n't know where to start since it is becoming evident that there is more identity fraud using my social security number than I can handle. I find out about most of it when : I ca n't get free copies of my annual free credit reports because they were already requested within that year - when I know that I HAD N'T REQUESTED THEM THAT YEAR OR PROBABLY EVEN FOR ONE OR MORE YEARS PRIOR! 
when there are at least XXXX addresses listed on my credit reports that I have never even been to much less lived there - one of the incorrect addresses secured natural gas utility with my SSN and then did n't pay the bills - that 's how I found out that any ID theft was going on with my info When I receive a tax notice from the Commonwealth of XXXX using my name and my SSN except I never even lived there. 
When I receive letters from collection agencies for accounts with places like XXXX which I have never approached with any business! 
When I see all of these businesses requesting my credit info when I have not applied for anything credit related in more than 8 years due to serious financial hardships since then. 
When I get a letter from Internal Revenue that I owe them over {$800.00} from back taxes for year 2010 when that is n't true - this is something I 've just recently put two and two together about and come up with the fact that it is more identity theft - by the way, the IRS has been keeping any Tax Refunds to pay for this back tax and I have agreed to a pay back plan before I realized that this info is wrong and is no doubt more identity theft When I get a letter from XXXX Food Stamps agency that says my application file was accidentally opened and opened by an agency in a different county than mine...

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Consumer Loan (Vehicle lease) with Public Auto Sales Inc. (TX).
Issue: Problems when you are unable to pay

Complaint: I got a car thur Public Auto Sales. I been with this company for over a year.I have a 2008 Galant. I went on XXXX to pay my car note but Public Auto Sales have vanish.. There ; s nothing there. I never got a proper notice. I have no idea how to make my car pymts. And now i worried that they may piack up my car. I been calling every number i have to get in contact with them but the number is busy or going to voicemail.. I need to know what going on.. Im working on my credit report and i dont want this to effect me.. Thanks

Company response to consumer: Untimely response
Consumer complaint received 06-08-2015 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have XXXX accounts from XXXX XXXX XXXX reporting on my Experian credit file. After numerous disputes, I have received no resolution. In addition, these accounts appeared on my credit report in XX/XX/XXXX as 180 days late ( no mortgage reporting since XX/XX/XXXX ) I informed them that I have an open investigation with the CFPB - case # XXXX and they advised me to file a complaint with the CFPB.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX and Experian are ignoring my many requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I filed a previous complaint for putting false information on my credit report showing a collection belonging to another person. They said they could n't find any false information, then sending a copy of my credit information which CLEARLY shows the wrong information in it!

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