milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX, XXXX, I pulled a copy of my credit report and found 2 inquiries that I didnt authorize, 1 of which was dated XXXX XXXX, XXXX. These alleged inquiries have caused a drop in my credit score. I have reached out to both companies to have these removed to no avail.

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 04/18/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: XXXX XXXX XXXX is calling me after I have requested that do not contact me via a letter i sent which the rep says they didnt receive which i know is false because they sent me a letter responding to the letter i sent verifying an account that they verified with insufficient proof via a statement which doesnt proof anything I want all contact ceased! and I want the account removed from my credit report! since it has not been properly verified.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX XXXX XXXX on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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 received an e-mail from my XXXX XXXX account as well as XXXX XXXX stating that there is a new inquiry on my account for a XXXX business account. I have never applied for a business account with my credit card provider and have since been told that they were looking into it. I 'd like for the inquiry to be removed and a further investigation to be conducted. 

With Gratitude, 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 non-monetary relief
Consumer complaint received 09/23/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They have been calling from this number XXXX and more times a day not leaving messages. I do not owe anything to this debt collection company and I have told them that if they call this number again I will report as a harassing phone call. They continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: There are 2 collections reporting on Equifax with XXXX one in the amount of {$1000.00} the other {$710.00} and I have been disputing this for some time now. Every time I try to get validation of the debt they show a new open date. Now it 's showing the two things just opened. I have not been to the hospital in over 4 or 5 years and this continuously reports a new open date. 

I have never received anything from a doctor 's office indicating I owed anything

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: This account was paid in FULL ... this account is being reported with a balance even thjough I paid it to XXXX ( I have a letter from XXXX XXXX XXXX stating such ) This is a direct violation of the FCRA. Please take appropriate action against the credit bureau and XXXX 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 05-01-2015 about Debt collection (Medical) with Medical Data Systems, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I contacted the Medical Data systems through the mail to find out where this {$940.00} medical bill came from and if it really belonged to me and i have not received the information requested. It has been 30 days since they have received my letter. I have the letter sent to Medical Data Systems and the XXXX certified mail shipment confirmation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: When one has an account with XXXX, you can add a debit card, or checking account. If for any reason one account does not get paid, XXXX will continue to attempt a charge. This is fine. However when it hit my bank account with TD, TD hit me with overdraft charges claiming that it was XXXX 's fault. I complained to TD bank who did not help and whose comment to me was that they had refunded banking charges to me in the summer. This is another situation over which I do n't have control, but my bank account gets slammed. All the banks charge exorbitant overdraft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Debt collection (Credit card) with TRANSWORLD SYSTEMS INC ().
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have recently requested a copy of my credit statements that have been submitted to a collection agency and upon reviewing the documents, I found some outrageous amount of interests that have been charged under my account.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Debt collection (I do not know) with Sortis Financial, Inc. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: InXX/XX/XXXXXXXX 2017, I entered a written dispute with CLEAR SPRING LOAN SERVICING reference account number XXXX as contained on my consumer credit profile at XXXX, XXXX and XXXX XXXX. Specifically alleged, CLEAR SPRING LOAN SERVICING was attempting to collect a debt for which antiquated my credit profile by more than XXXX years. Moreover, said account appears twice on my consumer credit profile notwithstanding the allegation of a single debt owed. 

CLEAR SPRING LOAN SERVICING failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with CLEAR SPRING LOAN SERVICING an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. CLEAR SPRING LOAN SERVICING failed to report said debt as disputed and failed to conduct an investigation into my allegations of antiquated credit reporting. As such, my credit worthiness has been negatively impacted by the erroneous reporting of this account. 

A review of records compiled by the state Division of Financial Services in Florida indicates that CLEAR SPRING LOAN SERVICING is not currently licensed to conduct business pursuant to section 559, Florida statute. As such, the imposition of this debt and the erroneous reporting to XXXX, XXXX and XXXX XXXX is an unfair and deceptive trade practice. 

Several phone calls to CLEAR SPRING LOAN SERVICING have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of antiquated reporting. At this point the call was terminated. My written dispute remains outstanding. Said account remains on my XXXX, XXXX and XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of antiquated reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This person called my father on several occasions ( XXXX XXXX, 2016 and XXXX XXXX, 2016 ) and left him messages about me. I did not give his number to this person. I have not received any phone calls to my phone at all.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: There have been several request made for information to be researched and validated with Experian. The problem is the companies that I am listing would not respond directly to my request for validation or any type of information so how is Experian able to validate or verify anything? The below accounts need to be removed ASAP. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Bank XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I opened a student loan in XXXX 2012 for about {$4500.00} and I have never received a bill and now they are stating I have been failing to pay this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have not found any help. Not to mention how did {$4500.00} go to {$5000.00}????

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
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: State  of   XXXX   XXXX   XXXX   XXXX   file d a tax lien for approximately {$5700.00} against me in  XXXX   XXXX . I submitted documents to    XXXX   XXXX   XXXX   to establish that I was not a c itizen for tax year  XXXX  and as such did not owe any income tax. In  XXXX ,  XXXX , the  Office of Taxpayer Advocacy fo r Alabama intervened on my behalf to have determination that I owed tax rescinded. Thereafter,    XXXX   XXXX   XXXX   XXXX    submitted paperwork to  XXXX  Alabama court to have lien " released ''.     However, the mere act of lien being filed was detrimental to my credit score. A subsequent status of " released '' will linger on my credit report for  seven yea rs. To remedy this problem, I submitted Taxpayer advocacy documentation evidencing this error made  by   XXXX   XXXX   XXXX   t o Equifax,   XXXX   and   XXXX  .   XXXX   and   XXXX   promptly removed any mention of tax lien from my credit reports ( Please see attached  XXXX  investigation report ). As a consequence, my credit scores increased substantially.     Unfortunately, Equifax has chosen not to remove this tax lien from my credit report. I provided Equifax with letter I receiv ed from Taxpayer Advocacy along wit h business card of revenue agent who can verify particulars of case. It appears from the generic form letter I received from Equifax that no substantive effort was made to investigate this matter.     I am requesting CFPB 's assistance to have this erroneous tax lien removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Transunion is refusing to remove  four  accounts on my credit report that do not belong to me. I have personally contacted the creditors at Transunion 's request and they have each individually confirmed my concern that Transunion is reporting someone else 's information on my credit. I am filing this complaint because Transunion is reporting someone else 's accounts on my report and they are refusing to remove these items. The following accounts need to be deleted from my credit report immediately :  XXXX   XXXX  with account number "  XXXX  '' ;   XXXX   XXXX   with account number "  XXXX  '' ;  XXXX  with account number "  XXXX  '' ;  XXXX   XXXX  with account number "  XXXX  '' ; I have never had accounts with these companies and they are telling me that my personal information does not match the details they have for the  XXXX  in their database. This is making things more difficult because since I am not the right  XXXX , it is against their policies to send me additional information about these accounts. I am being given the run around by Transunion and these companies and I feel stuck and do not know what else to do.

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 11/21/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: From XXXX XXXX, 2017, in three different Certified letters ( Attached ), I have requested for the " VALIDATION '' of debt pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA from Lowes. They refuse to provide the necessary information based on above mentioned letter ( Attached ).

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 09-12-2015 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I received a called from this company, They say a Attorney that was in charge of this account was ready to file, if no payment was made. 
I send a request to this agency for a Validation of the account since they are not the original creditors and I request a break down of fees and they fail to provide proper documents and or prove for there claim.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX, and XXXX companies both these companies made my credit inquiries on the same day XXXX/XXXX/2016 without my authority. 

XXXX XXXX XXXX also made a credit inquiry on me without my authority.

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 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
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 send several certified letters and filed several complaints regarding a late payment from fed loan that the credit bureau has continued to report on my credit report as a late payment. This allegations of late payment is DEFICIENT of CERTIFICATED PHYSICAL PROOF of be adequately and fully COMPLIANT to all mandates and laws as related to my state, FCRA and METRO 2 data formatted reporting standards. You MUST annul Today, even NOW as you are NOT authorized to retain much less report any information or aspects of adverse data that is NOT TESTIMONIAL in its 100 % TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, & proven documented OWNERSHIP of mine or of proven documented RESPONSIBILITY of MINE. DEMONSTRATE confirmation of all data, dates, balances, calculations, identities, audits to include the requisite 426- character P6 statements and all of its trailing segments, the minimal Five portioned identifiers all 386 pieces to confirmation to collect and every aspect of the alpha-/ numeric -/ and or alphanumeric sources codes. RETURN or return OBLIGATORY compliance with your federally defined timely deletion of any and all adverse notations that are deficient of physical evidence of proper reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TN).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My father has been dead for XXXX years and was removed off the loan while XXXX XXXX was servicing it. Now I have Navient calling AND adding his name BACK on the accounts. I have been thru all of this with XXXX XXXX firm over a XXXX They ( Navient currently ) threatened me with seizure of property, that they would NEVER stop calling. I sent a cease and desist letter certified and already received, advising no contact BUT regular mail and Im still getting emails. I also requested proof of debt that I have yet to receive. Still less than 30 days though.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Debt collection (Medical) with Arcadia Holdings, LLC (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: During yhese numerous phone calls they are extremely rude but I have asked them on numerous occasions to send me copy of the bill so I can pay it and they have yet to do that. They just want me to give them my bank info over the phone and they get real nasty when I wo n't. I do n't know for sure if phone call is really who they say they are.

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 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
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: Transunion is reporting a credit card account with XXXX as collections/charge off, see attached report. This is not so, XXXX XXXX was given this account for collections but stop collection attempts, see attached letter. this account should be reported like the 2 other reporting agency 's closed/charge off instead of collection/charge off. I have disputed this with Transunion with no success. I have suffered a financial loss because of this reporting. Please correct

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 01/27/2018 about Debt collection (I do not know) with Convergent Resources, Inc. (MA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This is my first time disputing this matter i have an account open on my credit report that i gave no authorization to be on my report. I do not owe any dept from this place not sure what it is exactly or whats it for. The account was opened XX/XX/XXXX an is still on my account as of XX/XX/XXXX. I have disuted a previous charge on my account with a similar balance of XXXX dollars that was owed but i have resolved that issue due to a family member claiming my identity. Im thinking this is also there dept

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