milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I was added as an authorized user on my wife 's XXXX XXXX credit card roughly four months ago, I noticed XX/XX/XXXXand XX/XX/XXXX updated my reports immediately to reflect the accurate information, by doing this my score and improved drastically. I have been waiting for Experian to update and when I noticed they have never updated this information I called them on XX/XX/XXXX to address this issue, I was told they could not add this account because it would negatively impact my credit file due to 2 late  payments in XXXX. My wife is unaware of any late payments and according to XXXX and XXXX payment history is great! I requested this account to be added and the representative stated they could not do it. This is causing about a 100 point difference in my scores everything else matches up except 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 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (OH).
Issue: Problem with fraud alerts or security freezes

Complaint: I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing furture information until further notice including the XXXX . Report and other furnished Lexis Nexis inquires regarding all personal information. 


My information is below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, Ohio XXXX Birthdate : XX/XX/XXXX Social Security:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Consumer Loan (Title loan) with Westlake Services, LLC (CA).
Issue: Charged fees or interest I didn't expect

Complaint: Contact a car title company then received calls from Wilshire Consumer Credit unknowing they were a cold call marketing scam company where they indicated 9.5 % then came to deliver contract in the evening received documents showing an undisclosed percentage with check of {$2500.00} then they after received XXXX payments they stated I signed and initialed for 95 % annual interest rate and my payoff is more then borrowed unless I pay off after 24 months. After I contacted them they said other fees applied like daily interest rate along with payoff fees, administration fees, and only {$33.00} dollars go towards loan but the daily interests is charged XXXX. I need to see what I can do to fix this problem to get my vehicle cleared

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I filed bankruptcy in 2016, but did not include my home mortgage. I have continued to make all of the payments on time for more than a year now, but noticed that my credit score has not increased. I called the mortgage company to ask if they were reporting my monthly payments, and was informed that they are not. I was told that unless I call the bankruptcy attorney and have them submit a reaffirmation letter, that they will not report my payment information. I explained to them that I really needed it reported so that my credit score will increase, but they refused. I then contacted the attorney and told her what the mortgage company said. She advised me that I did NOT have to complete a reaffirmation, and that the company was just being difficult. She advised that I call the credit bureaus and have them assist me in persuading the mortgage company to report my monthly ( timely ) payments. I called Consumerfinance.com and was advised to submit a complaint if the mortgage company was not willing to report. I called the mortgage company and asked, once again, if they would report, and was again told no. He said that the reason was because at one time, the company had an issue where one party on the loan wanted the info reported, but the other did not. I explained that this can not possibly happen in my case because my previous wife had XXXX XXXX, so there would be no one who could possibly complain should they report my payments to the credit bureaus. Again, he refused.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX has ALL collections through their company, all collection accounts are listed as a revolving type of debt. I have tried disputing this information through equifax. XXXX has listed this type of debt through equifax credit company. I have tried contacting Equifax with no response. Please have this company fix their inaccuracies for XXXX XXXX Medical Center, which are medical bills and not revolving credit accounts. In addition XXXX XXXX has an account listed without a date or amount owed, I find this questionable and am concerned about fair credit reporting practices this company conducts. They have made multiple inaccuracies on my credit report, causing my report to contain XXXX inaccurate information on my accounts. In addition, I would ask for CFPB conduct an investigation into the practices of this company and also remove the several innacuracies XXXX XXXX has reported on my credit reports. Please have this company also verify the original debt, because I do not feel they have this information in their possession making the debt removal necessary also. The fact remains this company is not following legal practices for credit reporting and should be audited for other consumers they may have affected. Sincerely, XXXX XXXX XXXX XXXX Please feel free to contact me regarding the investigation at either email, XXXXXXXXXXXX, XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I pulled my credit report on XXXX XXXX, 2016 and found XXXX collections listed from Commonwealth Financial starting on XXXX XXXX, 2016. I had no knowledge of Commonwealth Financial was prior to XXXX XXXX, 2016. Commonwealth Financial has never contacted me via any method to inform me that they were attempting to collect a debt or debts. Commonwealth Financial did not afford me the ability to disputed their alleged claims within 30 days of notice which is a clear violation of the Fair Debt Collection Practices Act 15 USC 1692g Sec. 809. 

I have sent a Notice of Pending Litigation letter to Commonwealth Financial seeking relief and monetary damages. The mailing date of this letter is XXXX/XXXX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I checked my credit report and a new address appears there. I have not moved I reside in XXXX, NJ the new address that shows is XXXX XXXX XXXX XXXX, AP XXXX. I have never lived there and I have never used this address. I still reside at my XXXX, NJ address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of fraud I put a fraud alert on. I called customer service they REFUSED to remove these hard inquires, I demanded they remove them for example XXXX was suppose to be deleted. XXXX XXXX does not have my social security most of these are wrong social security numbers linked to my account and or do not have permission I called them to remove all of these and they keep telling me to contact the companies. I'm a victim rock fraud inquires and most are invalid or wrong information tho it still linked to my credit file. I ask they remove all of these XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX And XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Some of them don't even have my correct social like XXXX XXXX has the wrong social and XXXX and XXXX XXXX do not have my permission I demand them to remove all inquires from my file or I'll go to court and sue for damages, They failed to remove alll inquires I have an active fraud alert and freeze pending I ask one final tim THESE are not factual records most are wrong information and wrong social security numbers so therefore that should not be held as FACTUAL. Remove them all from my file now I will not wait two years I did not authorize these

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WV).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: XXXX   XXXX   denied credit for a mtg on  XXXX - XXXX -2017. Tried to obtain a credit report by internet but was unable to complete the application. I have tried this route several times in the past and have not been able to obtain a cfedit report once turned down for credit. I am p.o.about not being able to easily obtain my credit report through this venue. I want my report to dispute the contents. Now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-01-2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Late fee

Complaint: I made a purchase from Macy 's with a Macy 's credit card. They never sent me a billing statement. Instead, several months later, they sent me a collection notice. I contacted customer service, explained I never received ANY billing statements and requested they send me a paper copy. I also sent them a letter ( attached ) noting the difficulties I experienced in actually getting them to send me billing statements. I refused to pay the " late fees '' and interest as I was never afforded an opportunity to pay my bill on time. Now they send me monthly statements with escalating late fees ( now in excess of {$100.00} ) even though I paid the purchase amount in full months ago.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/20/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (MI).
Issue: Unauthorized transactions/trans. issues

Complaint: My Direct Deposit went through as it usually does but this time I have no access to my money. First my balance was not reflecting my direct deposit it said {$0.00}. Apparently they were doing a system update and there was a problem because I then had unauthorized out of country charges to my card. Now my old card is not activated so I 'm waiting to get my new card so I can pull the rest of my money out. Also the card was ordered express shipping for {$30.00} on Friday. It is now the following Tuesday and I still have no card and no tracking number. Of course I 've called XXXX and so far there is nothing to be shipped to my house. Today I 've tried to contact rush card and like it has happened since this mess started I keep getting hung up on!

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/19/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: US Dept ED Accounts are closed/sold to a new company and no longer valid record. Accounts Transferred/Sold. Transferred to another lender.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Debt collection (Payday loan debt) with Midwest Recovery Systems (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This item just recently appeared on my report Midwest Recovery. I don't have any idea who XXXX XXXX XXXX is.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Immediately following my successful Chapter XXXX discharge, I wrote a letter and provided a hard copy of my chapter XXXX information. This information included, Discharge Letter, Final Cure of my XXXX XXXX XXXX  Debt, all creditors that had and had not responded to the trustee at the meeting of creditors. All three credit reporting agencies received this document in XXXX 2017, however when I attempt to apply for credit the main reason for denial is " SERIOUS DELINQUENCY ON ACCOUNTS ''. The other issues are because of too many inquiries ( Which is correct ) and derogatory public information. ( Chapter XXXX discharge is also correct. ) XXXX XXXX XXXX XXXX is still not being reported on any of my credit reports and they have also been contacted by mail, email and phone. I have been making on time payments to this company and continue to make payments. Looking at the denial letter and going to the credit reporting agencies does not give me the information that is showing the reason for denial. There is NO DELINQUENT ACCOUNT information for me to view or dispute. But I am being dinged for this very reason.

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 12/20/2017 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: On XXXX Navient contacted not only my employer XXXX XXXX, but contacted an individual store regarding collecting my debt. This is highly embarrassing and they were abusive to the store associate they got in contact with. They shared my personal information regarding debt owed with my company.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Credit card () with BARCLAYS BANK DELAWARE (NJ).
Issue: APR or interest rate

Complaint: Case # XXXX I received a letter from Barclaycard and they will not honor our request for the account to be charge off and confirmed that we have enrolled for the Hardship Payment program of {$18.00} for 12 months that started on XXXX XXXX, 2015. I still did not get an answer of why we are being charge {$35.00} month for payment due plus {$18.00} taken out totaling {$54.00} due on top of that which increases our balance and also once the account is charged off I will still honor my commitment to pay but this way it puts an end to the interest that is increasing monthly and the balance never seems to be lower.

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 11/16/2016 about Debt collection (Payday loan) with Bliksum, LLC (MO).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: received a call from XXXX ext. XXXX case # XXXX. Asked this individual to stop calling me at work because it disrupt me while at work. He told he that criminal charges will be filed against me. I hung up and he called me back at my work number.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My Trans Union credit report lists a hard inquiry made on XXXX XXXX, 2017 by XXXX XXXX. I did not authorize this hard inquiry and suspect fraud. The contact information is : XXXX XXXX XXXX, XXXX, XXXX XXXX. Phone XXXX. National credit cards/ airlines.

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 08-08-2017 about Checking or savings account (Checking account) with MUFG UNION BANK, NATIONAL ASSOCIATION (CA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: we have more than 15 year with this bank and the last week they sent me a letter where say that they going to close my 2 checking accounts.

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 04/15/2016 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I disputed the accuracy of my XXXX XXXX account with Experian. They were incorrectly reporting the balance, payment history, status of the account and comments. Today they updated the information and it is even more incorrect than it was when I first disputed the account. They have also added a statement to the account which is reporting as my statement! I DID NOT authorize or request a statement be added to that account. The statement reads : Your Statement : Account previously in dispute - investigation complete, reported by data furnisher. Now they are not only reporting INCORRECT information but also they have added a statement which they are leading people to believe I made or requested and no such request for a statement to be added to that account was made!

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 10-08-2017 about Debt collection (Medical debt) with Choice Recovery, Inc. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have reviewed my Credit report and found several account unrecognized items from your office CHOICE RECOVERY INC  # XXXX. I do n't remember doing any business or having having a contract for services. Please forward me proof of contract or my signature etc.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I HAVE TRIED TO APPLY FOR A LOAN MODIFICATION SEVERAL TIMES WITH OCWEN, I NOW HAVE A SALE DAT OF XXXX/XXXX/2016 WHICH THEY ARE PRETTY MUCH TELLING ME TOO BAD!! I HAVE TURNED IN ALL MY REQUESTED DOCUMENTS MORE THAN ONCE, THEY SOMETIMES SAY THEY DIDNT RECEIVE THEM SO I AM FORCED TO RESEND THEM AGAIN. AFTER TURNING IN ALL MY DOCUMENTS I STILL DO NOT RECEIVE ANY HELP AND WHEN I TRY TO SPEAK WITH MY CASE MANAGER THEY ARE NEVER AVAILABLE! PLEASE HELP ME SAVE MY HOME!

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Hello, I am calling because my Credit report shows derogatory remarks and inquiries that should be taken off immediately. I have reached out to the credit bureaus multiple times and they have yet to take it off. 

My report is showing inquiries from 2015 that should have been taken off. Also, My fed student loan accounts show missed payments, when I am enrolled in an income-based student loan payment program and my payments are {$0.00}. I had reached out to XXXX  to change or remove this information and yet it still remains. 

I need these old accounts taken off, especially the ones from XXXX XXXX, that have been closed and resolved. 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 11-02-2017 about Debt collection (I do not know) with HCFS Health Care Financial Services, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The aforementioned credit collection agency representing XXXX XXXX XXXX XXXX XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX  XXXX and XXXX 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If ACCOUNT RESOLUTION SERVICES does not have any documentation, they need to retract this from my credit file immediately.

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 08/18/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My spouse and I have sent the credit bureaus multiple dispute letters certified with documentation supporting our claims and they have completely disregarded our concerns. There is a debt and some late payments reporting inaccurately and we are trying everything in our power to get it rectified. Hoping this process will make them take us seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am disputing account number XXXX with XXXX XXXX XXXX for an amount of {$1900.00} because I have sent several dispute letters to the credit bureaus and it comes back verified every single time. I have contacted XXXX XXXX XXXX to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.

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