milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Credit Inquiries were made on all three credit bureaus without my authorization I would like this removed asap as this incorrect and affecting my chances of obtaining a home with a decent rate.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and Equifax ran an unauthorized credit inquiry on me on XX/XX/XXXX.
I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX XXXX XXXX and investigate such occurrence.
I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly as well as the sign agreement for the inquiry.
If you have any questions or need additional information, please contact me at address listed below.
Thank you.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Social Security # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My macy 's credit was misused on XXXX XXXX, 2015. There were XXXX fraud charges : {$1.00}, XXXX & {$2700.00}. Those charges were made outside of XXXX. I was notified by Macy 's consumers protection on XXXX XXXX, 2015 and I immediately denied those charges. Then, I received a form called " statement of fraud '' from Macy 's Investigation Department by asking me to fill it out. I filled out the form and mailed it on XXXX XXXX. I also filed a police report at XXXX XXXX, XXXX where I resides. On XXXX XXXX, I received a letter from Fraud Investigation Department that they received my statement of fraud and it will take 60 days to resolve the issue. However, on XXXX XXXX, I received a letter that stated that my statement of fraud was not received by Macy 's Fraud Investigation Department and I will be responsible for those charges. After that letter, I made several calls and found out that my claim was denied due to lack of document and my claim was closed. I was shocked because it is not what it said in XXXX XXXX, 2015 letter. I even questioned how this investigation was carried out because I was a long time loyal customer of Macy 's and I have never bought anything beyond {$300.00} at Macy 's. Second, all my purchases are in XXXX and those fraud charges are in XXXX and XXXX. Those facts are very obvious that I am not the one who made those purchases. 

After several calls, Macy 's Fraud Investigation Department is sending another statement of fraud by asking me to fill out again since my first claim was denied and closed. I really doubt that whoever did the investigation for my claim just did NOT use the common sense to investigate. Everytime I called to Fraud Investigation Department, I was talking to a different person. It is very frustrated and very painful process because I had to explain my situation again and again to a person whoever came to answer my call. It seems to me that even the manager at Fraud Investigation Department that I spoke to, she did n't know what document that I needed to provide when I asked her. She made a lie that she will call me back the next day and she never call back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I pulled and reviewed my credit report and found that several inquiries were added to my credit report with out my knowledge or consent. I have not purchased a vehicle or tried to obtain any type of credit in the last 3 years. Anything reporting during this time is incorrectly added to my credit report. There is also a bankruptcy added to my credit report falsely.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Checking or savings account (Savings account) with GOLDMAN SACHS BANK USA (NJ).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: My brother recently passed away without a will. In order to be named as administrator by the surrogate court, I am required to provide a current statement from the bank.   XXXX  I spoke to GS Bank, provided all paperwork requested, and the bank has completely stonewalled me. Although the paper is only a paragraph, they have stated they can not help me without their legal department reviewing this and they will not give me a date when this will be completed.   XXXX  It has now be en 4 weeks,  I have called repeatedly, and I get the same response.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have sent XXXX of XXXX NC several certified letters to have this resolved and i have also wen in person and made several calls, but no one has ever 
esponded to anything have tried to do. I see on my credit report that this account is listed as open with a balance and to be honest the car was a lemon and i had to have several repairs on the car i was told if i just give it back we will call if even. but i see now that they are reporting incorrect information and i have tried for years and so many time to get this fixed they wont call back or even write a letter back i see that someone signed for the letter of dispute. I really need help this is unfair i have reached out to your company for help before but i have not or maybe don't understand what's going on. Please help me i have tried so hard to get this fixed. 
Thanks so very much signed a person being honest and trying to fix the wrong that has been done to me

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: Equifax had a breach in their security protocols which left my credit information and the credit information of millions of others compromised. I was not notified within a reasonable amount of time and found out through a story on the news. This is not satisfactory. This is downright irresponsible. Equifax should have notified people that their systems were compromised and shown the consumer that they were being proactive in this situation. Instead we have found out that the top brass of Equifax decided to profit from this and the consumer is going to be responsible for all damages.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Debt collection (Other debt) with American Profit Recovery, Inc (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I used to own a house and unfortunately I had to rent. I ca n't live in there because of my job requirements ( I had to move to get a job when I got laid off ). The house is rented and I manage the property. The house living room developed a water leak issue due to a broken gutter. Additionally I needed mold inspection and ESTIMATES to be delivered to ensure a safe environment for my tenants. My tenants contacted a company called XXXX XXXX XXXX that did the inspection ( which I paid for ) but never gave me an estimate on the work required. I called them multiple times but did not receive any paperwork or verbal estimate. My tenants also claimed that they did not have an estimate. At some point they came in to do the work ( I kept calling ) despite the gutter not being fixed. Note - the gutter was NOT fixed and the mold could not be effectively fixed ( water still leaking ). XXXX XXXX eventually left without doing the work. Finally after the gutter was fixed, I asked them to come in and they told me that I have to pay the full amount because they had already come in and attempted to do the work. Note - the work was never done. Now they have submitted a claim to the collections agency which will hurt my credit and financial status. My tenants have left and are not claiming any responsibility. I was never sent any estimates or contacted about the work. In short I never approved any work, nor did I receive estimates, nor was the work completed. Instead I am stuck with a payment for a service I did not incur and benefit from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2016 about Consumer Loan (Pawn loan) with FIRST HERITAGE CREDIT LLC (TN).
Issue: Can't contact lender

Complaint: First hertiage Credit is worst company to due bussiness with..My loan be current and they be calling my phone back to back and it do n't even be near 30 days late..My fiance has a loan with them also and he will pay my bill sumtime and they be telling him what I owe and to pay more ... And threatened me to report to the credit bureau and my loan was n't even late ... I will never do business with them again.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (TX).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I called care credit to check amount balance, at this time i was unable to to obtain information due to my date of birth being incorrect in their system as well as my address. I was unable to verify the security that was asked. Fast forward the bill was then forward to a collection agency I contacted the collection and made a payment arrangement as well as provided my correct address and date of birth. Care Credit was previosuly removed from credit report and now care credit has reappeared on my credit report. I have attempted to dispute this with care credit XXXX i spoke to a XXXX who inform me it would take 30 days from payment to remove ( which was in XX/XX/XXXX ) then she told me i need to dispute with the credit Bureau XXXX I have currently trying to get this updated now and it is still not working.

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 02/20/2018 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 reviewed my credit report and there is two collection accounts that doesn't belong to me. 
My ex husband filed a bankruptcy chapter XXXX on XX/XX/2016 and debt belongs to him and it was included in Bankruptcy. Case file number XXXX Equifax, XXXX and Equifax has sharing my information with collection companies and credit companies without my consent.. 
I never had a XXXX XXXX credit card owning {$590.00} and a collection of {$3900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Struggling to pay mortgage

Complaint: I have a Mort gage Loan with Wells Fargo. Bec ause of the various hardships, explained in the attached  Hardship Letter, I fell behind on my payments. I applied for a HAMP Loan Modification  on   XXXX   XXXX   XXXX    ( 51 Pages - p roof attached ) and submitted a complete package. Subsequently they asked me to submit some supplementary docs., which I did through my  3rd part y.     I am surprised to learn that my request has been turned down, because  Wells Fargo  had offered me a TPP Plan, last year - WHICH I NEVER RECEIVED.When my 3rd Party asked to have a copy of the same, they did not want to send it.     So how can I be denied a Modification, for which I feel I am fully eligible, when I did not receive any at all?     I understand that under  HAMP ev en people who received a Loan Mod earlier and defaulted can also apply for a Loan Modification  again.However, ther e is no question of a default as I did not receive any TPP Plan at all.

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 03/18/2016 about Student loan (Federal student loan servicing) with ACS Education Services (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have a consolidated FFEL Loan through XXXX XXXX XXXX, XXXX, doing business as ACS Education Services ( " ACS '' ). ( Lender - XXXX XXXX XXXX ). The original loan in XXXX XXXX was for {$23000.00}. I have defaulted 3 times and enrolled in their " Rehabilitation Program '' every time to bring my loan back into good standing. I have never went into forbearance but it is listed that I did in XXXX/XXXX/XXXX. It is now XXXX and my current outstanding loan is listed at {$35000.00}. I understand that XXXX XXXX XXXX is under Federal Investigation for Loan Servicing Practices and it appears that I may be one the borrowers that have been affected. I wish I could afford an Attorney, but at this time is not feasible. Looking for any help and guidance possible. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Student loan (Non-federal student loan) with Firstsource Advantage, LLC (FL).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: There is an account on my credit file with XXXX and reporting negatively by First Source Adv with a account number # XXXX. I have not had a loan in connection with this school. In XXXX I contacted the school ; the FTC # XXXX ; Credit bureaus to dispute this account who refuse to supply me with the information I require for validation of this account such as promissory notes ; contracts and agreements and all other documents pertaining to the opening of this loan

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: In the summer of XXXX, hackers accessed Equifax 's system and compromised the personal credit information of over 100 million users. Equifax, failed to provide adequate cyber security throughout their computer system despite knowing the inherent value of the consumer information they possess. As demonstrated by the severity of this security breach, Equifax was absurdly negligent in properly securing the personal information of millions of consumers, and can no longer be trusted to act in the best interest of the American public. 

I am one of the victims of this breach. Equifax 's offer of one year of credit monitoring is a mere token of whats necessary to protect myslef. Equifaxs data breach is not something I can fix with a new password. For the rest of my life, I will need to watch my credit activity closely. I am XXXX, and I have family members currently in their XXXX. That means I will need to monitor my credit activity for the next 40 to 50 YEARS! 

Ironically, Equifax is happy to charge me for additional protective services, something I would not require if they had done their job adequately in the beginning. 

I demand that Equifax is stripped of their ability to provide credit reports in the future. Their negligence in this matter proves that they are simply unable to protect consumer data. Based on this breach, I do not believe any bank, other financial institution or business can safely rely on the reports that Equifax might produce in the future. Simply, Equifax can no longer be trusted. 

I further demand that Equifax provide a lifetime of credit monitoring for me and any other consumer who is likewise affected by the negligence of Equifax. Life-long credit monitoring - in reality - is the LEAST that Equifax should offer affected consumers. They were negligent, and they do n't appear to care the slightest about the people whose lives ' they have disrupted. They simply care about their financial stability, and how they can minimize the effect this breach will have on their profits.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Real Time Resolutions, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This collection agency has been reporting late payments to all credit bureaus for a mortgage that was foreclosed on in 2013. Please see mortgage documents that states this mortgage was cancelled. They collected {$5000.00} from my husband and I while we were under duress. We 've always omitted that this debt was not ours however while trying to purchase a home this collection had proven to be damaging to our scores and the loss of a few homes because of late payment reporting. During this time we were notified by our lender that this debt in fact was NOT ours, and supplied us with legal court documents reflecting proof. Unfortunately a settlement was made, and {$5000.00} was collected from us. We are filing this complaint, as this collection agency illegally collected on a foreclosed mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2017 about Mortgage (VA mortgage) with Mortgage Research Center, LLC (IN).
Issue: Closing on a mortgage

Complaint: When I purchased my home I was told that I would need to pay flood insurance. I was told that typically conventional loans are less likely given for homes in flood zones unless they have a large down payment. I was also told that I would have no problem getting the home loan because it was backed by the VA. The structural integrity of the property is poor. I 've found that this property was just filled in wetland. Now that the seawall/bulk head has quickly gave way I have learned the repair/reconstruction cost of what is now known as the properties foundation will be more than {$30000.00}. It would not be covered in any homeowners policy. The home was remodeled directly before the purchase. You can see that the home is settling quickly deeper into the earth. I learned last year when a home across the road which is also in a flood zone that it was too purchased by a veteran. The previous owner was leaving because he said it was just floating. I paid {$290000.00} for a small lake cottage in Indiana and will need to put no less than {$50000.00} more into the property which was not disclosed to me. I was told there was nothing to worry about when I questioned a slight break in the bulkhead which has now fallen into the lake with a second 50 foot section breaking way quickly. I question whether veterans are targeted to purchase flood zone properties because the backed VA is most accessible for these locations.

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 11-08-2016 about Consumer Loan (Vehicle loan) with Sierra Holdings LLC (PA).
Issue: Managing the loan or lease

Complaint: I brought a 2009 nissan murano and was sold a lemon and thsi car almost killed my children and i .The sale of defective vehicles has a set of rules known as " lemon laws. '' A " lemon car '' generally means an auto with defects. Given there are about XXXX components in the average auto, include human error on the assembly line and it 's not surprising that a substantial number of " lemon cars '' are produced. The lemon law was established to protect your consumer rights by providing legal recourse after the purchase or lease of a defective new motor vehicle which fails to meet the manufacturer 's warranty after a reasonable number of repair attempts. 

If a manufacturer refuses or fails to offer a replacement or a refund for your lemon car, you have the legal right to file a civil action in a court of law. When you win a lemon law case, the manufacturer must : Provide a replacement or a refund Pay the consumer 's costs and expenses, including attorney 's fees The manufacturer can also be liable for a " civil penalty '' of up to twice the consumer 's damages ( usually the price of the defective goods ) State and federal rules are in place to protect consumers from auto dealer fraud when they shop for vehicles. Laws are designed to punish dealerships that take advantage of their customers and deal with deception and unfair practices by dealers. Auto dealer fraud law includes the FTC regulations ( the Used Car Rule ), other federal and state consumer protection laws, and the common law tort of fraud. 

Many car dealers use financial fraud to sell their vehicles. Car dealers can trick you out of a low car loan rate ( APR ) you thought you had committed to. For instance, you purchase a car and sign for a low APR. A week later the dealer phones and says you did n't qualify for that low interest - apparently the loan you thought you signed was " subject to loan approval ''. Then they ask you for more money and increase your payments. To avoid this scam, do n't finance your car at the dealership. 

Another trick, called the " Straw Purchase '' happens when the dealer says you have a terrible credit score and need a co-signer. However, the dealer knows your credit score is so bad you would never qualify for a loan. He gets you to find a co-signer for the loan, but in the paper shuffle, it ends up that the " co-signer '' is the actual purchaser of the vehicle. 

Some car dealers can " forget to pay off your trade-in ''. You trade in a car that you still owe payments on, and the dealer is supposed to pay off the loan for you and add the amount to your new purchase. Then the bank calls : the dealer has not paid off the loan, the car is still in your name, the bank is charging late payments to your credit rating and you have no contract to prove that the dealer said he would pay off the loan. I am getting my lawyer intact for this company and XXXX place.

Company response to consumer: Closed with non-monetary relief