milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-06-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are numerous inquiries from lending institutions for an auto loan which I never authorized reporting on my Equifax credit report. I have disputed these inquiries with the credit bureau along with the creditor with no recourse. These inquiries are negatively affecting my credit and I have expressed my dissatisfaction with the method that my disputes have been handled with the Equifax credit bureau and lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with Navient Solutions, LLC. (PR).
Issue: Struggling to pay your loan

Complaint: Navient, I see some discrepancies with the interest during my repayment plan. sometimes i lot more of interest and i dont see my balance to really going down. its like im stuck paying the same range of the quantity. right now i ask for forbereance because im having money issues and i cant make the payments. i ask for a offer to lower the total balance and was denied. APPLY ANY ASSISTANCE DUE TO NAVIENT PUBLIC SUE -- ** " The U.S. Consumer Financial Protection Bureau is suing Navient XXXX., the nations largest student loan servicer, accusing it of systematically and illegally failing borrowers at every stage of repayment, my balance is {$2500.00} Original Principal {$2600.00} Total Amount to be Repaid {$2800.00} Some number dont add up .... its weird and i dont understand this process. 
i ve been paying for years ... ... ... ... ... ... ... ... ...

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 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: Account information incorrect

Complaint: On XXXX 2015 and XXXX 2015, I paid my mortgage but XXXX is reporting a 150+ days late on my credit reports. This was during a trial payment plan in regards to a loan modification.

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 07-02-2015 about Consumer Loan (Vehicle lease) with HYUNDAI CAPITAL AMERICA (CA).
Issue: Taking out the loan or lease

Complaint: I leased my car with XXXX XXXX.  I gave them a 
check for $XXXX for down payment of a new car.  I was called in their
office and they changed the terms on me.  In addition, I found out from
KIA FINANACE that I was over billed for $XXXX.  I put a stop payment
on the check immediately. I went back and forth
with the dealership to try to resolve this matter.  I got the run around.  It 
took several months after calling their corporate office and complaining 
to KIA headquarters.  I have paid this debt and they have reported to the 
credit report agencies.  It was their lack of integrity and unwillingness to
resolve this issue in a timely manner after also jacking up my 
monthly payment by having me re-sign new papers.

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. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I 've discovered I was affected by the Equifax data breach that was reported last week. 

I could n't tell you exactly what was leaked because they have n't deigned to own up to any of their egregious mishandling of my personal information. 
No call. No letter. 
I had to check a buggy website of theirs that froze constantly and simply told me I was affected, not much else aside from the option to sign up for a service. 

I tried to obtain a copy of my credit report from the annualcreditreport.gov website but it only showed me one companies report and then reported an error. I was able to submit a comment about that and heard nothing back. That 's all I can do it feels like, leave meaningless comments. 

I had no choice when it came to Equifax collecting my information. Why are we consumers at the mercy of a huge unseeing uncaring conglomerate when it comes to the handling of our information? 

The fact that this breach occurred in the beginning of XXXX and Equifax delayed informing the public a whole month so the senior executives could sell off shares in the company is just despicable. Legal consequences and reform are sorely needed here. 

I feel utterly powerless in this situation. 

How can I protect myself for identity theft at this point?

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX, 2017 I place a fraud alert on my credit file that indicates that if anyone runs my credit, they need to call me to verify and that was not done which violates my rights as a consumer. I reach out to XXXX, and Equifax on more than one occasion to advise them of these unauthorized inquiries and they have done nothing about it. I also have a police report for my wallet being stolen which had some of my personal information in it and I believe that someone has been trying to apply for credit in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: My wife and I deposited my XXXX refund check into my account at Bank of America ( like I do every year ), then proceeded to schedule credit card payments against the check. I made the deposit into an ATM with Teller Assist ( a new feature they have seeing they replaced most of the live tellers ). Got an email this morning that the bank has rejected the check, seeing that we made it into an ATM instead of going to a live person. Had we gone to the window, everything would be fine. In the meantime, my accounts are now massively overdrawn, all the money from the savings account transferred into checking, and fees being charged ( or will be charged ) all over the place. And, they are mailing the check back to me - which will take XXXX business days - for me to redeposit with a teller. There are no signs, warnings, or anything else that explain this. In fact, I 've deposited much larger checks into the ATM with Teller Assist many, many times. But now, this has ruined us for the short term. Talked with the most useless manager - XXXX ( # XXXX ) at BoA - but they wo n't do anything.

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 monetary relief
Consumer complaint received 11/23/2015 about Debt collection (Medical) with ASSET MANAGEMENT OUTSOURCING, INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Nationwide Recovery Services offered to remove XXXX accounts from my credit reports ( all XXXX ) if I paid the amount due. I paid the accounts and they have not removed the collection accounts from my credit reports as they promised.

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 EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: My personal information was impacted by the XXXX leak.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (MI).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: In XXXX, my JCPenney Credit card was stolen or lost. I attempted to report this. I continued to receive bills for the full amount. I was willing to pay the portion I was responsible for, but not the amount charged after my card turned up missing. 

After several attempts to resolve the issue with no resolution, I stopped making payments on the account. 

In XXXX, I started receiving harassing phone calls regarding this debt. I explained the situation and told the company I am contesting the amount of the debt. I would pay the amount I owed, but not the amount charged after the card was stolen or lost. 
The company ( XXXX XXXX ) continued to harass me throughout XXXX. I sent a letter contesting the amount owed. 
They continued to harass me by attempting to call using at least a dozen different numbers. I eventually ignored the calls and refused to to speak with them because they refused to acknowledge my contested amount due. 

Now, in XXXX ( XXXX XXXX ), I received a letter from MY XXXX XXXX XXXX SON 'S bank stating that HIS funds were put on hold. My son has a XXXX. He is XXXX. He does not XXXX. However, he did manage to graduate high school in XXXX of XXXX. There had been only one deposit in this account, his graduation gift money. 
I am ONLY on his account for information purposes since it 's XXXX ( in person or on the phone ) with people he does not know, and since he does not XXXX, I am ONLY supposed to be on this account to speak on his behalf when he is unable. 

I called the debt company this morning asking how we can resolve this issue and they were very rude and condescending. I was told that they would NOT take the hold off of my son 's account. I am in the process of providing proof that the deposit in his account is 100 % his money, none of it being mine. They still could n't guarantee that they would remove the hold or even " take '' all his money from the account. 

I then offered to send them the amount of the hold : {$590.00} ( even though this is a little more than what MY original charges were ) just to have them leave my son 's account alone. Again, they refused to remove the hold and will " take '' HIS money. 

I have two other bank accounts in MY name alone, and yet they go after my XXXX son 's account to remove ALL his money. This is simply not fair. I tried to resolve this with the company and they would not offer me any tangible solution for this issue. 
I 've done my research on this company and I found they have a pretty bad reputation as to their means of " attempting to collect a debt ''. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX 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 08/21/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Managing the loan or lease

Complaint: I am being contacted everyday XXXX times a day at minimum about a payment that should be made on a car loan. I have told the lender several times I will pay. They continue to harass me and every number they have, also intimidating my poor grandmother.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2016 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I just turned XXXX, ( fresh out of highschool ), i tried to get an apartment close to my college and they denied me. One reason is because years ago someone took out a MORTGAGE LOAN in my name, I am only XXXX so it was when i was an illegal age to consent for anything. I do n't know how they did it, but they did and i plan on taking legal actions against the person, and the bank who did not do a good enough identity check.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Debt collection (Payday loan debt) with Liberty Holdings, LLC (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: the collections company uses a phone number of XXXX XXXX XXXX a dummy number that they are calling from, they somehow access my contacts on my phone and are calling them XXXX my contacts XXXX and leaving messages about me being sued and asking them XXXX my contacts XXXX if they know me when they say no, they state that yes you do know her and repeat my name to them. I believe this to be a form of harassment. this should be illegal.

Company response to consumer: Untimely response
Consumer complaint received 01-07-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WI).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have enrolled in the Income Driven Repayment Plan through Navient. I have struggled with this company since 2013 to repay my loans. I have gone into forbearance, deferment, and multiple Income Driven Repayment plans. I am a XXXX XXXX and attempting to repay my loans to the best of my ability. I am now enrolled in a XXXX XXXX/month repayment plan and have been been paying XXXX XXXX/month in order to put more towards my principle and pay off my debit faster. My recent payment of {$200.00} was posted and ALL of my payment was put towards the Interest! How is anyone capable of repaying a debt when nothing is going towards the Principle? Also, I have been attempting to raise my credit score ( as I am looking to purchase a home ) and after Navient posted my payment, my credit score drastically dropped as my total loan had RISEN {$110.00}! When researching how to get help with these loans as I went to school for XXXX XXXX ( which the job field was projected to rise ), I stumbled across four class action lawsuits and multiple borrowers who are also facing the same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 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: XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX Closed : XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX - The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, 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 04-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I just spoke to XXXX employee id XXXX @ Trans Union credit reporting company. I want a one time copy of my credit report and score. The web site and XXXX told me I can only have it if I also by a credit monitoring service billed monthly@XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/31/2017 about Vehicle loan or lease (Loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (OH).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: USAA Federal Savings Bank has been sending documents to an incorrect address. My physical address is NOT my mailing address. On XX/XX/XXXXUSAA purportedly sent notice that I was a co applicant on a loan. This letter would have been returned to sender. However, had I received the document I would have discovered that the information was incorrect and could have avoided what has transpired inXX/XX/XXXX. <P/>Attached are all relevant documents that USAA Federal Savings Bank has provided to date. I was also expecting copies of any and all documents substantiating that I am in fact a co applicant. All documents provided are unsigned and have a street address where I live but can not receive mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Debt collection (I do not know) with Ophrys, L.L.C. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: A writ of garnishment on my bank account was issued by XXXX, Place XXXX on behalf of Cerastes, L.L.C. and XXXX & XXXX. I have filed a motion to vacate on grounds Plaintiff has no standing. 

Need constructive assistance with this case. I do not believe I will receive substantive justice. Justice of the Peace seems to be serving as a debt collector XXXX out writs for the Plaintiff.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: On XX/XX/XXXX XXXX XXXX XXXX XXXX called my Dad and told him my account balance, payment history, ect. We do not share accounts and they did not have my permission to divulge this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-10-2017 about Debt collection (I do not know) with Midwest Recovery Systems (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Last month XX/XX/XXXX I noticed that Midwest Recovery Systems, LLC had placed on my XXXX  and XXXX credit report that they were collecting a debt of XXXX the last date of delinquency ( according to the info on my report ) was in 2012. The problem is ... I never took out a loan with the company that they are stating is the original creditor. This company has never sent any letters to my address alerting me to this debt or that they were attempting to collect a debt and when I contacted the Credit Agencies to dispute the debts, they both came back verified as mine by the Collection Agency and remain on my reports as valid. I contacted the Collection Agency - Midwest - and asked them for documented proof of the debts and they simply ignored my request and never followed up with me. SO I looked online to find out about this company and see that they have thousands of complaints against them in regards to putting false information on credit reports and other consumers having to file suits against them to get them removed. This company is being allowed to list on consumers credit reports without any documentation that they are actually owed debts and it 's ruining credit. Apparently all they needed to provide to the Credit Reporting Agency to " prove '' the debt was mine is my name, address, date of birth and last 4 ss I plan to take them to small claims court very soon because they will not remove or prove this debt but wanted to alert you.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (CO).
Issue: Managing the loan or lease

Complaint: XX/XX/XXXX I took out a loan to refinance my XXXX Buick Encore from One Main Financial, XXXX XXXX XXXX XXXX XXXX, CO XXXX with XXXX XXXX. XXXX XXXX called and stated several times that she could consolidate the signature loan I had at the time and the new refinanced auto loan. She said I qualified for a good rate and could pay off my car in less time as my loan with XXXX XXXX. She said that my payment would be about XXXX per month in total. I went in on XX/XX/XXXX to do paperwork on the loan. On this date XXXX XXXX stated that I also qualified for an additional XXXX within the confines of the loan. She spoke and spoke a lot and I signed the papers as she printed them off. 

The following week, I received papers indicating the payoff of the pre-existing loan. Then on or about XX/XX/XXXX, I received a call from a women at the branch who would not identify herself. She said she was the manager and that the loan I received did not payoff the existing loan and that they would continue to take payments for that loan and for the new loan. She said that I had until XX/XX/XXXX to return the XXXX and the loan would be null and void. I had used the funds to pay legal fees so I did not have the funds. This women belittled me and stated that if I had read the loan documents I would know that the total loan would have been closer to XXXX. I would have returned the funds easily if I would have been called the XX/XX/XXXX. I am currently paying this company nearly XXXX per month. I feel I was a victim of fraud and mislead. I feel I was pursued with malice. 
I was also zealously encouraged to purchase the life insurance policy. 

I have suffered XXXX since XX/XX/XXXX and have been so impacted by this. I only now have been able to take the papers out and look at them. I have been making the payments faithfully.

Company response to consumer: Closed with explanation