milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: I sent XXXX XXXX fin a certified letter to the address on my credit report on XX/XX/XXXX. It was returned to me stating invalid address. I then researched the address to find another address in FL to resend the letter via certified mail. The letter was pertaining to an old vehicle loan from XXXX that I am trying to request paperwork on. The VIN number is XXXX for a XXXX XXXX XXXX. I requested that XXXX XXXX provide me with all required notices. Effect of errors and omissions - notification before disposition of collateral. - contents and form of notification before disposition of collateral. As this account is reported on my credit bureau as repossessed and charged off. They are required by law to send legal notice and proof of the commercially reasonable manner of notification and resale of the subject vehicle. If no such proof is provided within 15 days from receipt of the letter received. The alleged claim of deficiency will be considered null and void. see attached a copy of the letter that was sent to them On XXXX XXXX XXXX XXXX responded and stated that they never repossessed or sold the vehicle in question. see attached Then on XX/XX/XXXX - they sent a letter with a copy of payment history and contract. 
I 'm not sure what XXXX XXXX is trying to state in these letters, but they are not providing the documents that are being asked for.

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 03/27/2015 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (CT).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Trans World Systems contacted me regarding XXXX debts. I am XXXX years old and XXXX. I asked them to please send me copies of the bills because my dad had me on his XXXX medical insurance and I was told " we do n't have to " My dad contacted XXXX, and XXXX told him that they paid these people and to get copies of the bills because they are not allowed to charge me for these services because they have been paid in full. 

They also are reporting me to the Credit Agencies even thought they have not contacted me about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: ****Previous small claims case is dismissed due to intentions to file federal complaint if correction is not made. All communications will be used to establish basis for federal complaint******** I have tried diligently to communicate to the CRA that there were multiple unauthorized inquiries into my credit that were a result of a rogue employee at an automotive dealership. I have provided evidence that I did not authorize the inquiries and even showed an email that the dealership admitted to the unauthorized submission to the lenders and categorized the submissions as accidental. I have filed a complaint with the FTC and asked the companies directly to withdraw their inquires.CRA has blatantly disregarded my request to have the inquiries withdrawn despite the evidence that has been provided.

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 11/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Citi retaliated against me for submitting a large dispute by closing my account which is in violation of the consumer credit protection act avg the equal opportunity credit act which prohibits banks from discriminating against anyone who exercises in good faith any of the protections protected by the consumer credit protection act which includes billing disputes

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 07/29/2016 about Payday loan () with Pinebrook Holdings, LLC (MO).
Issue: Charged bank acct wrong day or amt

Complaint: the lender removed money from a bank account i did not authorize for them to debit causing me to lose my mortgage payment so i will be behind in my payment. they also debited the same account 3 times for over the amount of the loan

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I contacted equifax regarding multiple Hard Inquiries that did not belong to me, the representative and I went through all of the the inquiries that did not belong to me and she insisted they should be deleted within 30 days and they are still on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax has fraudulent accounts posting to my credit file I have sent them police reports a identity theft affidavit and a ftc report so that the fraudulent items can be removed the fraudulent items are XXXX XXXX XXXX XXXX and XXXX. The other two bureaus have removed these fraudulent accounts, by law equifax has to remove fraudulent accounts and block them from reporting

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: after disputing the following debts with XXXX 4 times and Equifax and XXXX 3 times they have came back as saying verified but have shown no proof of how this debt was verified there are strict requirements how debt must be verified. The Fair Reporting Act ( FCRA ) requires the Credit Bureaus ( Equifax, XXXX & XXXX ) to have PHYSICAL COPIES in THIER files of  documentation to support each account being reported. NOT THE CREDITOR, THE BUREAU Under the FCRA, Credit Reporting Agencies ( XXXX, XXXX & Equifax ) must provide a copy of the verifiable original creditor documentation if it is requested properly by the consumer since Equifax, XXXX & XXXX can not provide proof of verification to me in the form of a physical contract document per written request to do so- the account is classified as " UNVERIFIED '' and under the FCRA- all UNVERIFIED accounts MUST BE DELETED. The FCRA reqires that all Credit Reporting Agencies or " CRA 's '' VERIFY ALL INFORMATION received from creditors BEFORE this information is added to my credit file. Proper verification According to case law the CRA/Bureau must have copies of the ORIGINAL SIGNED APPLICATION in THEIR FILES! FAIR CREDIT REPORTING ACT. by providing all of this information, there is no question that i am the one making the written request. i request that XXXX XXXX XXXX And XXXX XXXX XXXX be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My delinquent status shown by  XXXX   XXXX  is WRONG!. I owe them nothing!  XXXX   XXXX  has already re credited everything so they are incorrectly reporting my account as delinquent! Please change this! Please expunge any negative information regarding  XXXX   XXXX  on my credit report!     My social security is  XXXX  My full name is  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: This letter is a formal complaint that Transunion you are continuing to report inaccurate, and invalidated credit information. 
I am very distressed that you have included the information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate invalidated information is a mistake on your part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
AS I HAVE PREVIOUSLY DISPUTED THE FOLLOWING INVALIDATED, INACCUARTE INFORMATION WITH TRANSUNION BEFORE, AND TRANSUNION HAS RESPONDED BACK TO ME VIA THE CONSUMER FINANCIL PROTECTION BUREAU PORTAL, THAT THE FOLLOWING INACCUARTE ACCOUNTS AND NAMES HAVE BEEEN COMPLETLY REMOVED FROM MY CREDIT REPORT! AS OF XX/XX/2016 WHEN I RECIEVED MY NEW CREDIT REPORT FROM TRANSUNION THE FOLLOWING DISPUTED INACCUARTE INFORMATION, THAT TRANSUNION WROTE BACK IN THIER RESPONSE TO ME VIA THE CONSUMER FINANCIAL PROTECTION BUREAU PORTAL THE INACCURATE INFORMATION IS STILL CONTINUING TO BE ILLEGALLY DISPLAYED ON MY TRANSUNION CREDIT REPORT! I WOULD LIKE TO ASK TRANSUNION WHY? THIS INACCUARTE INFORMATION IS STILL BE DISPLAYED ON MY PERSONAL CREDIT REPORT? 

THE FOLLOWING INVALIDATED ACCOUNTS INFORMATION SHOULD NOT BE BEING ILLEGALLY DISPLAYED ON MY CREDIT REPORT : INACCUARTE NAMES : XXXX WHO IS THIS? 
AND XXXX, XXXX WHO IS THIS PERSON? I HAVE NEVER USED THESE INACCUARTE NAMES, AND I WOULD LIKE TO KNOW WHY THEY ARE CONTINUING TO BE ILLEGALLY DISPLAYED ON MY TRANSUNION CREDIT REPORT? 

MY LEGAL NAME IN WHICH IS THE ONLY NAME THAT I USE SHOULD BE BEING DISPLAYED AS FOLLOWS ONLY : XXXX PLEASE MAKE SURE THAT MY NAME ONLY REFLECTS AS LISTED ABOVE. 

INACCUARTE DISPUTED ADDRESS CURRENTLY BEING ILLEGALY DISPLAYED ON MY TRANSUNION CREDIT REPORT : XXXX, CO XXXX I HAVE NEVER USED THIS INACCUARTE ADDRESS, AND I HAVE DISPUTED IT WITH TRANSUNION SEVERAL TIMES, THIS ADDRESS SHOULD NOT BE ASSOCIATED WITH MY PERSONAL CREDIT REPORT! THIS ADDRESS SHOULD BE COMPLETELY REMOVED AS PER TRANSUNION HAS WRIITEN BACK TO ME AND STATED THAT IT WAS! 

XXXX ACCORDING TO MY RECORDS I DO NOT HAVE AN ACCOUNT WITH XXXX, AND I WOULD LIKE TO KNOW WHY THEY ARE BEING ILLEGALLY DISPLAYED ON MY CREDIT REPORT? I HAVE REQUESTED THAT A LEGAL VALIDATION BE MADE IN REGARDS TO THIS ALLEGED DEBT, AS OF XX/XX/2016, A LEGAL VALIDATION OF THIS DEBT HAS NOT BEEN MADE, THIS ACCOUNT SHOULD BE COMPLETELY REMOVED FROM MY PERSONAL 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 non-monetary relief
Consumer complaint received 03/27/2018 about Mortgage (Other type of mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION ().
Issue: Improper use of your report

Complaint: I refer to the letter dated XX/XX/2018 exchanged with the Bank of America [ signed by XXXX XXXX ] where following lengthy correspondence about my expected service as a XXXX  service they are concluding that they are not in a position to evaluate my feedback or I am being given this impression.

I kindly urge you to contact the XXXX XXXX XXXX XXXX at XXXX XXXX, XXXX XXXX, XXXX to establish a formal dialogue at the inter-governmental level, this seems to be missing to start with. The identity may be verified with the same government, specifically IDMO, whose office is at XXXX XXXX, XXXX XXXX, XXXX, XXXX.

You may make relevant correspondence accordingly such has been suggested even to the banking officials in question who claim to have other clients to attend to at the moment.

A framework for exchanging information at reasonable charges is surely missing.

I wish you all the best.

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 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Transunion is not accurately reporting my on time payments for the months of XXXX, and XXXX For my XXXX ACCOUNT. All my payments have been on time and should be reported accurately.

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 03/19/2016 about Debt collection (Medical) with Business & Professional Collection Service Inc (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with XXXX. I had my ID stolen at age XXXX, my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX has submitted my account to the RPM ( Receivables Performance Management LLC ) collection agency after three months of dropping my phone contract. During this time, they failed to provide me with the final XXXX statement agreement of the phone charge breakdown. There is no way for me to verify the charges that I owe for each of the phones I owe under the XXXX account and therefore can not apply my rebate submission to XXXX XXXX XXXX. 

To complete a refund submission, the bill from the previous carrier must include the XXXX ( XXXX ) for final processing. The credit debt agency ( RPM ) also refuses to provide me with this information as well stating that they do n't have this information on file except to provide me with the balance for the amount of {$360.00} when the original amount from XXXX was for {$310.00}. 

I need verification for this account before making a payment to the credit debt agency the amount and date are insufficient information. How can this get resolved?

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 09-03-2015 about Debt collection (Medical) with Modern Adjustment Bureau (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked Modern Adjustment Bureau to validate XXXX accounts they are reporting on my credit reports on XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. I am in the real estate business and my credit is important to me and the XXXX marks against me are costing me dearly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/28/2017 about Debt collection (Other debt) with EOS Holdings, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX is charging a bill that I never owed. I never opened an acct with them. It 's foe {$79.00}, and XXXX has already removed it, however XXXX has n't.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: The federal lawsuit with Sallie Mae? How can a regular borrower, be compensated in the lawsuit, like the military veterans?

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 DISCOVER BANK (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Fraude accounts

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: O n  XX/XX/XXXX , I wrote to Equif ax to let them know that a lien going back to  2001 still re mains on my credit report. I also let them know that  XXXX  and  XXXX  had already removed this lien which was showing beyond the maximum period of 7 years.   Equifax never responded to my dispute and the lien continues to show on my credit re port four mont hs later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-12-2016 about Debt collection (Medical) with Quality Asset Recovery LLC (NJ).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: yesterday i checked my credit report through Experian and i found many incorrect informations about me as : 1- My first name 2- My last name 3- My mailing address so i contacted the XXXX '' which is credit report Agency to ask about this wrong informations they told me this informations has been added by : XXXX XXXX which is sent to XXXX XXXX by Quality Asset Recovery I didnt authorize this action Quality Asset Recovery sent : 1- My social Security Number 2- they violated my privacy when i was patient 3- by sending this documents to XXXX XXXX about my illness they violated Section 264 of HIPAA Law violated 5 USC, section 552A 4- i sent them cetified letter 2 month ago to ask them about this collection account they didnt respond me yet untill now due to the FCRA they should respond before 30 days or they have to delete the collection account they didnt do any of these 5- i filed dispute regarding this collection account on the XXXX credit report agency 2 month ago and due to the investigations it has been deleted from my credit report but the collection agency reinserted the collection account on XXXX and XXXX without sending my any mails the section 6o9 of the FCRA says before the collection agency reinsert the collection account on the credit report they have to send mail regarding the collection account before they reinsert it their phone number : XXXX XXXX XXXX their mailing address : 7 XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX - they added a collection account to my credit report for service which is i didnt use and i didnt ask for this service ( I didnt use or receive any services from this company the collection account number is : XXXX 1- I need them to delete this incorrect informations from my credit report 2- kindly they have to get this collection account removed from my credit report from XXXX, XXXX and all credit report Agency which is having my credit report and this collection account on it unless i will have to show up in the court asking for XXXX for each incorrect information they added to my credit report without my autorization +XXXX USD for sharing my Social Security number informations with unauthorized company +XXXX USD for violating my patient Privacy

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This company below listed a debt on my credit report after i contacted them disputing debt. The debt is not mines and it should not have been reported on my credit report. this is the third company who has reported this debt on my credit report. Not sure why a debt that is not mines keeps getting passed around to different collection agencies. Nor why once I dispute with the company they post to my credit report anyway.      XXXX   XXXX   XXXX  In Opened  XXXX   XXXX ,    2017  {$53.00} Original creditor :  XXXX   XXXX    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 06-01-2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: When i applied for med insure it was asured that it was hoing to get write-off The my XXXX account. Number and info so here it is it is critical i get this solve cus its affecting my credit score and were in proceds off pushasing my first home before my lease its up here. 
XXXX XXXX XXXX XXXX. Effective XXXX XXXX 2016 XXXX health plan XXXX XXXX social worker contact phone its XXXX worker id num its XXXX id number XXXX id XXXX Case XXXX XXXX so please fix this my number its XXXX thanks.

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