milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/13/2015 about Credit reporting () with EQUIFAX, INC. (MS).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have disputed a judgement that appears on my credit report from the XXXX. I have contacted the court, and they told me that they do not have a judgement in their docket, and could not give me any pertinent information about this. They even told me that if someone was to come into the office and search the Judgement dockets, they would be unable to find information on this alleged case. After this, I disputed this with Equifax, and in only one day, Equifax closed the case ( the investigation started on XXXX/XXXX/2015 and ended the same day ) and they refused to change the information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/16/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I mailed in a dispute to Equifax stating that my chapter XXXX bankruptcy was filed 7 years ago and I am requesting it be removed off of my credit report- I got a response with updated information but it is still on my credit reports- Both XXXX and XXXX have removed this from my reports.I understand Chapter XXXX Bankruptcy is removed after 7 years- I would invoke my rights and like it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Debt collection (Payday loan) with Risecredit, LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Repeated calls at all times of the day

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 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: Reporting company used your report improperly

Complaint: Due to poor security practices and the recent Equifax hack my personal information was improperly shared with others and will be shared will untold many numbers in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (NV).
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 do n't understand how I can be submitting multiple pages of proof to the credit bureaus proving that these accounts are inaccurate and must be removed and yet, TD Auto did not remove these accounts! Congress clearly states in XXXX XXXX XXXX XXXX that the burden of proof is on the creditors and the credito bureaus and NOT me so how come nothing isbeing done to assist me? What other proof is required of me to show that these items are not reporting per federal law? I 'm attaching the lawsuit that clearly spells this out as well as my credit report and my actual disputes. I do n't understand who allows them to do this ( governement, etc. ) but this is a complete violation of my rights under the FCRA! 

TD Auto XXXX Status makes no sense, delete this immediately : XXXX and XXXX : closed/XXXX : open All 3 bureaus should be reporting the same information. What also doesnt make sense is that XXXX and XXXX report a monthly payment of {$0.00} while XXXX reports {$1000.00}! 

TD Auto XXXX Im at a loss on how you can still be reporting this incorrectly when you had ample proof that this was incorrect. You are required to delete this immediately : Balance : XXXX $ XXXX $ XXXX {$19000.00} TD Auto XXXX Im at a loss on how you can still be reporting this incorrectly when you had ample proof that this was incorrect. You are required to delete this immediately : Balance : XXXX $ XXXX $ XXXX {$68000.00} XXXX due : XXXX and XXXX $ XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I disputed XXXX XXXX from my TransUnion credit report I believe XX/XX/2015 and the item was deleted. I am now checking my report report from XXXX XXXX and this creditor is reporting back on TransUnion once again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (CT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My account was closed due to inactivity as my local stores in my vicinity had closed down & should not be a detriment to my credit score. My payments were always paid!

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (PA).
Issue: Unauthorized transactions/trans. issues

Complaint: Rushcard took my whole direct deposit from my account because of a system glitz they are having..i was told since the XXXX of XXXX that they working on getting my money back ..it is now XXXX..customer service wo n't help ... keep telling me it up to corporate office..i been treated so unfair for something that not my fault.i ca n't pay my rent ..im upset and dissatisfied with how they act like they dont carr..the sytem was suppose to have deposit my account twice but it didnt..but they took XXXX deposit out if my account..so ehen i got pay on the XXXX of XXXX account was in the negative..so they took XXXX of my XXXX check..now yhey gettinge the run around about my money..please help me get my money thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-09-2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I entered into a law suit with XXXX XXXX XXXX in XXXX and it was finally settled in XXXX XXXX. During that time the XXXX Court in Georgia ruld that I would make all my monthly payments to the court clerk 's office and not to XXXX. I made XXXX on-time payments and they still appear as late on my credit report.The agreement states they had to rescind the foreclosure and it still appears as a foreclose. For the past 6 weeks I have been trying to get XXXX to resolve it and I keep getting the run around I have documented that the payments were on time.If they had not been made the case could have been thrown out, I just want it reported accurately. They had 7 months to update the credit accurately and they have not updated anything. The court ruled they would receive my payments at settlement and they received the payments XX/XX/XXXX. XXXX now need to report it accurately as well as remove the foreclose. Every time I call I get a different story they told me the agreement does n't state they have to do credit repair but should n't they have to be accurate for a change? They are still looking into it! I was told I would get a call back yesterday, I did not when I called they said the person was out unexpectedly. It is always some reason. I just called again and got nowhere! 

I have attached the emails between the attorneys discussing this issue before the agreement was approved by the court and a few of my my payment receipts from the court. We signed the agreement XX/XX/XXXX, they got there money the same day and then it took 5 months to complete there side of the agreement. XXXX is an awful company!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: According to the statute of limitations in my state, this account should not appear on my credit report as they have been on there for 13 years. Please remove them from all three credit reports. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/20/2016 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I sent a letter to EXPERIAN disputing the inaccurate accounts information as erroneous on XXXX XXXX, 2016 certified mail, return receipt requested. I received notice in the mail that EXPERIAN received the dispute on XXXX XXXX, 2016. It is now XXXX XXXX, 2016 and I have not received a response from EXPERIAN. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If Experian can not LEGALLY VALIDATE the information within the 30 day time period, Experian must delete all of the disputed accounts from my report. EXPERIAN must NOW delete the disputed and INVALIDATED accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. 
I have previously enclosed a copy of the receipt showing when EXPERIAN received my credit dispute and a copy of my original letter showing all the accounts I have disputed. 

THE FOLLOWING INACCURATE ACCOUNTS SHOULD NOT BE ASSOCIATED WITH MY EXPERAIN CREDIT REPORT, WHICH ARE LISTED BELOW : US BKPT CT CO XXXX IDENTIFICATION NUMBER XXXX ACCORDING TO MY RECORDS, I HAVE NEVER FILED BANKRUPTCY, AND I HAVE PREVIOUSLY PROVIDED EXPERAIN WITH THE DOCUMENTATION DIRECTLY FOR THE US BKPT COURT SHOWING THAT THEY DO NOT HAVE ANY RECORD OF ME FILING A BANKRUPTCY! 
I AM NOW DEMANDING THAT EXPERAIN PROVIDE ME WITH THE LEGAL COMPETENT EVIDENCE IN WHICH THE US BKPT COURT HAS PROVIDED TO EXPERAIN ON MY BEHALF, SHOWING THAT I XXXX XXXX HAVE FILED A BANKRUPTCY! AS EXPERAIN IS IN FACT NO DOUBT AWARE THAT THIS IS A CLEAR CASE OF INVALIDATED DEBT HERE AND I AM URGING EXPERAIN TO REMOVE THIS INACCURATE, INVALIDATED, DISPUTED ACCOUNTS INFORMATION. 

XXXX PARTIAL ACCOUNT NUMBER : XXXX ACCORDING TO MY RECORDS, I DO NOT HAVE AN ACCOUNT WITH XXXX, AND I WOULD LIKE TO KNOW WHY THEY HAVE BEEN ASSOCIATED WITH MY PERSONAL CREDIT REPORT! I AM NOW DEMANDING THAT A COMPLETE VALIDATION OF THIS ALLEGED ACCOUNTS INFORMATION BE PREFORMED, IN THE EVENT THAT A LEGAL VALIDATION OF THIS ALLEGED ACCOUNTS INFORMATION CAN NOT BE MADE THEN REMOVE THIS INACCURATE ACCOUNTS INFORMATION FROM MY CREDIT REPORT AS SOON AS POSSIBLE. 

XXXX PARTIAL ACCOUNT NUMBER : XXXX .... 
ACCORDING TO MY RECORDS, I HAVE DO NOT HAVE AN ACCOUNT WITH XXXX, AND I HAVE PREVIOUSLY PROVIDED EXPERAIN WITH THE DOCUMENTATION DIRECTLY FROM XXXX SHOWING THAT THEY DO NOT HAVE VALID RECORDS OF MY ACCOUNT! 
I AM NOW DEMANDING THAT EXPERAIN PROVIDE ME WITH THE LEGAL COMPETENT EVIDENCE IN WHICH XXXX HAS PROVIDED TO EXPERAIN ON MY BEHALF, SHOWING THAT I XXXX XXXX HAVE AN ACCOUNT WITH THEM! AS EXPERAIN IS IN FACT NO DOUBT AWARE THAT THIS IS A CLEAR CASE OF INVALIDATED DEBT HERE AND I AM URGING EXPERAIN TO REMOVE THIS INACCURATE, INVALIDATED, DISPUTED ACCOUNTS INFORMATION FROM MY CREDIT REPORT AS SOON AS POSSIBLE.

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 10/31/2017 about Debt collection (Credit card debt) with CAVALRY INVESTMENTS, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Since XXXX of this year ( 2017 ) I have requested Debt Validation from Calvary Portfolio Services, LLC. During the course of the past five months I have been ignored and this company has failed to produce ANY form of debt validation. However, this alleged debt is still being reported to the credit bureaus and is negatively impacting my credit worthiness. On XXXX XXXX I sent a third Debt Validation request via certified mail. The correspondence was received on XXXX XXXX. As of today XXXX XXXX, Calvary Portfolio has not responded. This company is violating my consumer rights and not adhering to the guidelines set forth under the FDCPA. 

This is not my debt and it should not be on my credit reports at all. 

I have included a copy of the third debt validation request I sent and postal confirmation of delivery.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: THIS ACCT DOES NOT BELONG TO ME FRAUD

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 06-03-2016 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Chase placed credit inquiries on my XXXX and XXXX credit reports These are not my inquiries as I never applied with them. I called them and they promised to remove them but they never did. These inquiries are damaging my high credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-07-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Negative late reportings reported by Navient regarding my private student loan to the Credit Bureau. Navient was sending letters to wrong address for months regarding my loan information. Never reached me via phone regarding my loan status. Navient representatives have given me false and inaccurate information pertaining to my private loan for months. Received forbearance for private loan, yet still received negative markings on my credit report to the Credit Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had setup a payment plan in XXXX 2015 to repay back XXXX XXXX for a credit card I had. I was told that the balance was over {$1000.00}. Portfolio Recovery Associates started deducting {$35.00} a month from my bank account as agreed. The only thing that bothered me was te amount. My limit with XXXX XXXX was {$500.00} so I made a call to XXXX XXXX and they too stated the charge off amount was {$500.00}. It states it on all the credit reports as well. I stopped the deductions from my account and requested them to correct the amount to what the real amount was and not the inflated amount that they were trying to have me pay and they stated if I do n't pay the amount that they set up then they would sue me and get a judgment and I would owe XXXX times the amount. You ca n't do this you can only collect hat is owed and no more. They hae taken {$140.00} out of my account which leaves the owed balance to {$360.00}

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Consumer Loan (Vehicle lease) with YKS Acceptance, Inc. (CO).
Issue: Managing the loan or lease

Complaint: To whom it may concern : I saw the write up on Herbies in the XXXX XXXX and was intrigued to send in my complaints we bought a XXXX Kia Sorento in XX/XX/XXXX. The total loan was XXXX To say the least the XXXX was worth a third of the loan. We went to trade it in last year finding that the XXXX XXXX value is less than XXXX. We stilled owed XXXX at that point so we would have to pay off the loan and have money down for a new vehicle. 

In XX/XX/XXXX the motor blew in the XXXX. They replaced it with a XXXX motor which has n't ran favorably since, it burns oil, has a knock and squeals obnoxiously. I 've had it in 3 times for them to look over the problems with them only dismissing the situation. And there is still an oil leak in the manifold, it burns oil obnoxiously. 

To say the least it has been very frustrating to pay for a overpriced vehicle that does n't run! So may times I just wanted to drive it and park it on their lot. Yet integrity even when taken advantage of is still morally correct. 

We also have a XXXX Chevy pick-up that is under the same scenario charged XXXX + and again worth half as much. And it has a device added to the motor that if you are late with a payment ... they disable the vehicle. Yet we have had the experience where they have taken out 2-3 + extra payments in 2 consecutive months. 

{$700.00} per person is minimal refund for the monies payed for a car worth half of what it is worth. And nonfunctional! 

I would like to know what 's being done about my specific situation. Please reply. 

Thank you! 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Opportunity Financial, LLC (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I paid off an account ( loan ) and once the account was reported to  XXXX  it was reported closed but 30 days late. the account was never late, I co ntacted Opportunity Loans ( Op p Loans ) and was told that there was a glitch in the system and that this would be corrected in a few days. I waited from a call from someone by the name of  XXXX  who I was told would call me back but I never received a call. I contacted the credit bureau and disputed this, the dispute came back as information remains the same due to the number that was provided on the credit report is not the number should be used for Payments. the number provided to the credit bureau is just the corporate main number. so I have included the final email stating the account is paid in full with the correct contact number located in the signature. The information is still being reported as 30 days late which is not correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/18/2016 about Credit card () with PAYPAL HOLDINGS INC. (OK).
Issue: Billing statement

Complaint: I purchased furniture for my new home in XXXX of XXXX and XXXX of XXXX. I purchased the items with Paypal credit, on a promotion for no interest and no payment for six months ( previously called Bill Me Later ). I received electronic statements each month, all except the month in which the promotions expired. They failed to send me the statement in XXXX that shows that the six month promotional period was ending in the next 30 days and payment would be required to avoid interest. I received the statement on XXXX XXXX, showing that I now owe at least {$300.00} in interest due to the promotions expiring and no payment being made. I contacted them and requested confirmation that they sent my XXXX statement, as I am pretty certain they intentionally failed to send that. They would not provide me any proof that they sent that statement. The rep stated that per the system, they sent it out but she had no way to prove this to me. I am disputing the interest as I would have paid the bill in full immediately had I received a statement for XXXX to avoid any interest. I received an electronic statement every other month since making the purchases. If they never sent the statement I do not believe that I should be help accountable for the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX and Experian are reporting an account with XXXX that does not belong to me. I never have had nor do I currently have an account with XXXX. Credit bureaus account numbers are XXXX and 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 08/29/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: In XX/XX/XXXX or XX/XX/XXXX, while on summer vacation, I visited a Bank of America branch in XXXX, MI. At that time, I was approached about changing my checking and saving accounts to a type that would earn more interest. I told the person at that time that I did not want to give up my XXXX XXXX Checking Account, as they do not offer that  product today. She assured me that I would have all of the same privileges as I was currently getting and more. I explained that I might not have as large of a savings balance in the future and that I did not want to pay any fees. She explained that this new type of account would be better. IT IS NOT! 

Now that my balance is below {$25000.00} I will be charged {$25.00} per month for a checking account! I went into my branch in FL yesterday and they said they could switch me to a CORE checking account where I have to have direct deposit and {$2500.00} balance to have free checking. I asked to be switched back to the XXXX XXXX Checking Account, but they can not do that since they said they do n't offer that product anymore!! 

I have been a good customer at Bank of America since XX/XX/XXXXand I have never bounced a check and have always had a direct deposit. With this new CORE account, if I need to stop payment on a check, get a cashier 's check or wire funds, or if I have a nsf check, I will be charged large fees. Under XXXX XXXX, these things would all be free! 

I am a XXXX year old XXXX XXXX and I feel I was misled about the account Bank of America suggested I switch to. They did not explain that I could not revert to my old type of checking account. Looking back on this visit in XXXX, the B of A employee seemed to be very focused on getting me to change accounts - I think she was trying to meet her sales goals! 

I would love to talk to Bank of America management to straighten out this very upsetting problem. I feel I deserve better treatment from a Bank where I have been a very good customer for 12 years. 

Sincerely, XXXX 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 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I have been sending letters for almost two years trying to get this account off of my credit report, this account does not belong to me and the entry is harming my credit report. I did not authorize this account.

Company response to consumer: Closed with explanation