milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-10-2017 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: Information belongs to someone else

Complaint: TODAYS DATE:XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX v. XXXX ( XXXX   ), and XXXX v. XXXXXXXX XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX TER, 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 08/28/2016 about Debt collection (I do not know) with CITIBANK, N.A. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have received many calls from this number with the caller asking me to confirm my identity. When I ask for their business name and mailing address they refuse to provide it. I have told the callers that if they do not provide me with their business address that I must assume they are performing illegal activity and give them one more opportunity to give their mailing address. All attempts on my part to get their mailing address are refused with the caller going straight back to asking me for my name.

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 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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 several disputes letters asking this credit bureau to provided me a copy of any original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA.

I have only received letters stating that the account have been " Verified '' I have also asked for a description of the verification methods and the names and phone numbers of the persons who supposedly verified the account. I have never received such information.

These are the accounts that I'm disputing and for which the credit bureau have not provided a satisfactory resolution per the FCRA. 

*XXXX  XXXX XXXX XXXX XXXX Acc # XXXX *XXXX XXXX XXXX XXXX Acc # XXXX *XXXX XXXX XXXX , XXXX Acc # XXXX *XXXX XXXX XXXX Acc # 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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XX/XX/XXXX Inquiry - I wrote this company advising them I never applied for credit and never received a response back Capital One Auto FinancingXX/XX/XXXX inquiry- I wrote this company advising them I never applied for credit and never received a response XXXX XXXX  XX/XX/XXXX- inquiry - I wrote this company advising that I never applied for credit and never heard anything back. XXXX XXXX XXXX XXXX  XX/XX/XXXX- inquiry, XXXX advised me they would send a letter to the credit bureau to remove and has not been completed. XXXX XXXX  XX/XX/XXXX- inquiry - I wrote this company onXX/XX/XXXX advising I have never applied for credit and never received any response.
Capital one auto financing XX/XX/XXXX I wrote this company on XX/XX/XXXX advising I have never applied for credit and never received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Debt collection (Medical debt) with Palm Beach Credit Adjustors, Inc (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This medical bill should have been paid. At the time of service I had  XXXX  and  XXXX  for health insurance. It 's also being reported wrong. The service was done  in 2011 and  should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Attached please find the paper trail with numerous FCRA violations from both XXXX AND Equifax Credit Bureau 1.XX/XX/2016 Sent a letter to XXXX to validate a XXXX loan, receipt dated XX/XX/XXXX. No response. 
2.XX/XX/2016 Pulled Credit Reports, none marked disputed within 30 days per FCRA requirement. 
3.XX/XX/2016 delivered another letter to XXXX to delete negative credit info since validation of information was not received or dispute marked on Credit Bureau within XXXX days. Received Nothing in response. 
4. XX/XX/2016 Disputed information online to Equifax via mail to XXXX, XXXX XXXX. XXXX AND XXXX both deleted negative file reporting. 
5. XX/XX/2016 Noted that investigation was not complete after 31 days as required by FCRA. ( Please NOTE Date time stamp of dispute status # XXXX ) XX/XX/2016 Letter to Equifax received requesting Negative Credit Reporting be removed due to non compliance of FCRA. 
Sometime in XX/XX/XXXX a pdf file was available for download stating account had been " verifie '' Account balance updated etc. 
NOT ONCE did I receive any documentation that this account was indeed mine. I had several other student loans never once any from XXXX. I STILL have no proof either from creditor OR Equifax showing this account was MINE or that the reported credit information was reported accurately. The next step is to file suit against BOTH XXXX AND Equifax for multiple FCRA violations. In addition, I understand that XXXX had several violations and a settlement to the government of payments are forthcoming ( Also attached XXXX. IF any is passed to consumer, this would be a valid claim.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: FAIR COLLECTIONS & OUT Account Number : XXXX look like this account is not mine, I asked XXXX to send me a copy of this debt with my signature on it showing that this account really belong to me and they fail to reply. I also never received a statement from their original creditor before sent to collection why??? 
Experian is really not helpful, this is my right ( XXXX & XXXX deleted, why Experian does not follow the basic procedure what proof do they have??? ). Please assist

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 03-03-2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX was paid as agreed, settled in full. not paid for less than as being reported. need validated. date opened is wrong. lots of things wrong on the report. date opened was not XXXX XXXX, 2008. I disputed the account details and they are refusing to verify the information.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Made an electronic payment to Ditech Mortgage on XXXX XXXX 2016. My banking institution shows a payment yet on XXXX XXXX my Ditech account still does not show the payment received. Ditech customer service says it may be processed later today. How many days do they need? They are the worst mortgage company I have ever dealt with. I have XXXX other mortgage companies I deal with ... no problems at all with the other companies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Constantly being called about fictitious amounts on a credit card that was supposedly canceled years ago. I have no clue why there would be a charge, I cant verify what any charge would be from, and I cant verify who exactly is calling me. The last call received was from XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The credit reporting agency is reporting XXXX account # XXXX XXXX. my balance and payment status is being reported wrong. I paid this account off

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 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with MOHELA (MO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I opened a student loan with Mohela Department on XX/XX/2010, as well as US Department AFSA on XX/XX/2010, my loans have been closed and I 'm still seeing this loan on my credit report and I would these to be removed, the company tells me I ca n't have them removed unless the government removes them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I sent dispute forms to all XXXX credit reporting agencies notifying them that I have consolidated and paid off this student loan and to update the account, I received back a letter saying the debt have been verified.

Company response to consumer: Closed
Consumer complaint received 09/23/2016 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: RE : Equifax and XXXX Credit Report I am writing this complaint because I have gone through this long enough with both of these companies without a solution to this problem. I have tried to request copies of my credit report from both Equifax and XXXX and I have been constantly rejected each time. I have even gone through Free Annual Credit Report and still ca n't get my reporting due to being told that I have no credit file on record. I am being told that there was a freeze was placed on my file and I do n't know by who.This has cost me credit as well as job opportunities all because these people want correct my reports. I have asked and asked Equifax to correct this error and it seem to be have gone on deaf ears once again. My inquires on my credit reports are outrageous due the errors made by Equifax and XXXX which intend has affected my other score. I am requesting that all of that be corrected for future inquires. Equifax has asked me to mail, fax and everything else to them my personal information and I have done that on several occasions with no change in my report file when it has been pulled. I am starting to believe that someone there has hijacked my credit because all I get when I asks for answer to what going on with my report is the run around each and every time. This has also been the case with XXXX. Every time I have tried to request a credit report I am told that I have already received my free report and on that note I ca n't have because I have never requested one until recently. I have submitted all my personal information to Annual Credit Report Request Service to see if l can get some help solving this matter that seem to be of no concern to these XXXX Credit Bureaus. I have enclosed per their Request by their Mail in form a copy of my Social Security Card, Pay Check Stub with mailing address and a copy of my current Alabama Driver License to prove my identity and that I am in fact XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Credit card () with BARCLAYS BANK DELAWARE (VA).
Issue: Credit determination

Complaint: I used my credit card ( Barclay Card ) to paid XXXX to buy Spirit XXXX and also I was paid extra XXXX for shipping insurance for cover any damage to my shipping. 
After I received shipping XXXX of XXXX bottle was damage I was dispute to my credit to refund or credit back, after I was sent letter indicated to my credit card and also seller I can not allow to sent spirit across state I will lost because I do n't have license to ship back XXXX ( after I checked with XXXX and XXXX and XXXX XXXX will confiscate ). My credit card was closing my case and also run report to the various credit agencies because my dispute XXXX Barclay card had insurance cover for 90 days for anything if I not satisfy ). I was repeat to ask XXXX to pick up or sent label for me to return but I never get response During dispute I can not get charge or financial on my credit but Barclay Card was charge ( It is again a law and report account information to consumer reporting agencies ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/29/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (OH).
Issue: Loan modification,collection,foreclosure

Complaint: When I have scheduled phone appointments with Ocwen Loan servicer, the relationship manager or representative do not have access to all of my records. When I refer to an affadavit or appraisal that I submitted, the person asks me to resend it. I have uploaded to this website and the Ombudsman Office. I believe Ocwen 's Office of Ombudsman Office and the relationship managers are hostile in negotiations with me. A foreclosure was dismissed over a year ago, and I believe Ocwen has a target on my back. Ocwen refuses to fix any mistakes they made like failing to finish processing my loan with an affadavit submitted to dispel any accusations of irregularities with signatures. Recent HAMP offers only address payments and not the underwater principal loan balance. I made it clear that I already have a XXXX agreement in force and that they insist I submit new modification paperwork. I clearly marked on there that a HAMP will not fit my circumstances, an in house would need to fit my special circumstances as the XXXX was an in house agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I just recently started monitoring my credit when I noticed tha t Portfolio Recovery is   on my report several times. I had no knowledge of any of these debts, nor did I receive anything from them in writing until after I disputed with the credit bureaus and asked them to send me the documentation that validates this debt. Neither the bureaus or the collection agency have validated these debts ; however, they refused to remove them. They have  XXXX  different accounts on my report that they have failed to validate.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX is harassing me for a debt I dont owe. The credit bureau know my address and the address that XXXX XXXX XXXX and XXXX has is not mines. These people and the credit bureau are preforming illegal acts against me. I want all this information removed from my credit report immediately.  They say I owe XXXX. Ive been ill for the past 3 years. I just been active for 8 months now. Theres no way I could have this account. I pay my bills. These people are fraud. I wrote the company to stop harrasing me. They are refusing and keep reporting false information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with OCWEN LOAN SERVICING LLC (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have a balloon mortgage with Ocwen Loan Servicing that matured on XXXX/XXXX/XXXX. ( I have been working with a bank to refinance the mortgage. ) When I sent the XXXX monthly payment to the Ocwen that has the existing balloon mortgage it was refused/returned. I e-mailed the the Ocwen representative to find out why I could not continue payments while I was seeking new financing to pay their balance. They responded that after the loan matured they will only accept the full balance due of {$91000.00}. In XXXX they reported to the credit bureau that I am 60 days delinquent on payments. That report reduced my credit score from XXXX to XXXX.  Becouse of this report I was not able to finalize the refinance with XXXX XXXX. 
I believe this is unfair. I tried to make payments to keep in good standing while I was seeking refinancing.

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 01/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I sent an Affidavit of Identity Theft to Trans Union and it was received by Trans Union on XXXX/XXXX/2015. After the agency received documentation, I never received an investigation status or result. Additionally, Trans Union did not respond to the request but XXXX and XXXX did.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I rented a apartment from XXXX which required the tenants to use their power & water XXXX XXXX. The original lease agreement states that all bills to XXXX must be satisfied in order to close out the lease for the apartment. I closed out all my bills and did a final walk thru with no worries. Several months later I received a call from National Credit Systems INC saying I owed XXXX XXXX. This is a total scam. My balances have been closed out but these crooks keep trying to say I owe money. I have been dealing with this for years. these people are crooks and are tied into the scam with the apartment complex which does n't even exist anymore.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX and XXXX are showing an American Express Credit Card on my credit report. I am no longer on that account. XXXX correctly reflects that I am not responsible for an American Express Card Credit Card, and as such, my credit score with them is much higher.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (NY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Attempting to improve my credit score has revealed negative reporting in the form of a chargeoff account with Sears in the amount of XXXX. I contacted the card issuer on both on XX/XX/XXXX and XX/XX/XXXX and was transferred numerous times finally arriving at credit report.com. 
I request that this s chargeoff be removed from my credit report as the original charges are in close proximity to the 6 year mark and they consisted of late charges that were the result of poor communication from the lender. A suitable resolution would also be for me to pay any outstanding balances less the egregious late fees for the removal. The number I called was XXXX and I received unsatisfacory assistance with resolving my 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