milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
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 a collection on my credit report being reported from portfolio recovery in which XXXX and XXXX has already deleted but transunion let 's it remains despite the fact that its a unverified account I have sent XXXX different letters to tranunion dispute department about this but its still remain

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 07/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There 's a name on there that is not mine into addresses do not mind name is XXXX XXXX XXXX my name is XXXX and there at address is in there were XXXX addresses that are not mine XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX in XXXX never lived in XXXX my name is XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/28/2015 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This was for a medical procedure that was contingent on it working.My MD & me agreed if it did n't work, I would n't be charged. We worked at the same hospital system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Commonwealth Financial Systems, Inc. (NJ).
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 had medical bills sent directly to collections and reported on all three reporting agencies. Not only did i dispute with the collections agency, they refused to acknowledge the illegality of sending a XXXX insured a bill, let alone report derogatory remarks to credit reporting agencies. They refused to identify the provider so XXXX can file a formal complaint. The hospital had no information. 
My dispute with XXXX and XXXX resulted in the deletion of the derogatory marks, and classified it as fraudulent charges unsubstantiated by the collection agency. 
My dispute with XXXX was denied. The collection was determined valid, and updated immediately. 
Inconceivable. And they want documents if i can demonstrate the accuracy of my dispute! I do n't have documents. I never received a bill, i do n't know the practice or physician. There are 2 separate derogatory marks, submitted to collection on the same day i went to urgent care.
The balance billing of a XXXX insured is illegal, and i have no evidence besides the hospital invoice showing it is satisfied.
State and Federal want to investigate the provider for prohibited practices. I was refused this information or a bill from the agency.
Its incomprehensible that XXXX refused to remove fraudulent remarks affecting my credit, especially with my formal dispute notate in the remarks by the collection agency. It was seamless to rectify with the other two agencies. 
i am a victim, who ca n't file a complaint against the provider who fraudulently billed me, and further victimized by XXXX bad faith conduct and violation of my consumer rights. 
it 's appalling that this was validated and reported on my permanent record. I had to dispute the fraudulent remarks. Now, i 'm further victimized by XXXX to validate the inauthenticity.. why? 
What can i do? The other two credit reporting agencies responded quickly and acknowledged fraud. What information did XXXX obtain to validate an illegal collection. 
And I still need an actual bill. Are n't there collection regulations prohibiting a person from reporting to credit agencies directly, without sending bills? 
i need XXXX to explain their investigation and determination of validity. 
i need a bill for these alleged charges, which XXXX required me to obtain because they want to formally investigate and fine the practitioner for prohibited billing practices and fraud

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to " verify '' the accounts I disputed. Being that they have gone past the 30-day mark and CAN NOT verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to ... '' promptly delete all information in which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. 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 explanation
Consumer complaint received 04-01-2017 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (MO).
Issue: Shopping for a loan or lease

Complaint: Filled out a pre-qualification form, was advised checking to be qualified would not affect my credit, unless I applied for the loan. After filling out the form, the next page asked for more information, but did not indicate that I was not prequalified and filling out the extended form would be a hard pull. 

Secondly, was not informed ahead of time that I was applying for a vehicle title loan, of which I am not interested in.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have filed a dispute with the XXXX major credit bureaus regarding bankruptcy information listed on all XXXX credit reports. The bureaus do not include where the information is provided from. I have confirmed with the Texas Federal Court that this information is not supplied by them and thus can not be confirmed or verified with them. Information has not been provided by each bureau indicating where the information is derived from. I feel that this is not fair being that I can not directly dispute or verify the information being reported on my XXXX credit bureaus of Experian, 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 explanation
Consumer complaint received 08-07-2017 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 status incorrect

Complaint: XXXX XXXX XXXX reported me as making a late payment to the credit bureau, when I asked them to pull the call where I was assured from the rep that she will update my account with my new bank information I felt assured that this would be done on their end. I am now told that this was never done and can not be done on their end they can only take the payment. I had expressed to the representative at that time that I was calling because I was not able to login to my account and she reiterated more than once that she will get it done for me. This was on XX/XX/XXXX, so my XX/XX/XXXX payment should of processed through my XXXX XXXX account-it did not due to the bank account not being updated as promised. My payment returned account closed-I had more than enough funds in my account!! I provided my bank statements proving this as well. When I called and talked to XXXX ( agent id XXXX ) in escalations I asked her why no one ever called, no correspondence received, nor did any of the representatives I spoke with ever tell me that my payments were hitting a closed account. Her answer was they do n't have to tell me I should be watching my account. I thought XXXX was a reputable company that had integrity, but apparently not. They kept taking my payment-so they charged me late fees & return payment fees. I could tell that I was not going to get any empathy from this rep from the beginning of the call, she talked over me and when I asked for another representative or her manager she told me she will have them call me back. I had to ask her  what the name of the person who will be calling and she said she does not know. I asked her whattime the call would be made-SHE THEN told me 7-10 business days. Mind you she is in escalation  and I have tried to call them on my break to ask them to review my documents showing that I had more than enough funds in the account at that point in time, also the fact that they called me to tell me my payment was due, but failed to mention the issue so I was never aware. I HAVE ASKED THEM NUMEROUS TIMES TO PULL THE CALL from May-to no avail. Now I have a late payment mark ( the only one I have on my all my reports ) due to XXXX being unethical and allowing their representatives to withhold information from their customers for financial gain in fees. I also show that I am on auto pay on my profile, but according to XXXX in customer service I am not. I feel like this is another ploy to get more money for fees.

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 05-02-2017 about Debt collection (Medical debt) with Capio Partners, LLC (TN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Recieved numerous calls per day from an unfamiliar number. Up to 3 times per day. Calls would be all days of the wk. Never left a message, so I wasnt sure if it was telemaketers or not.   Once I finally answered, calls were from  Capio Partners . They were calling about a   XXXX   balance due to an  XXXX  visit. Keep in mind, this company has never mailed me any documentation.   Due to circumstances, we 're currently a  XXXX  income family at the moment. I tried to set up a payment plan, and they demanded debt to income info. The representatice said " this is a new account, and you need to pay  XXXX  % of the balance before it 's reported to the collection agency. '' They 've harassed me. Failed to notify me in writing. And threatened to report to credit bureau if I did n't pay the   XXXX   % today. All of these actions does not change my ability to pay more than I have available! Horrible service from a collection company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/23/2018 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (MI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I had a lease with XXXX XXXX XXXX michigan that endedXX/XX/XXXX. I paid my rent as agreed in the lease for the entire 12 months. In XXXX i subitted my written notice to vacate with my rental payment. The check was cashed. When i turned the keys into the office on or about XX/XX/XXXX they asked me to fill out a form and i did so. I think the company is using that form and ignoring my written letter from 60 days prior to say i violated the notice clause in the lease. I never received my XXXX security deposit and i did not get a list of damages from the apartment complex within 30 days, but i did give them an address within 4 days of vacating as set by law. I called once to inquire about the security deposit but no one ever called me back. On XXXX or about 90 days after i vacated and lease expired i received a notice from XXXX and XXXX stating I owe {$1500.00} to them for the apartment. I called the apartment complex first and they gave me this collection co number to answer any questions. I called and asked how they came up with {$1500.00} in charged and they stated I didnt give 60 days notice to vacate and they said there was damage to the apartment. The collection company said the debt will be eligible for a judgement on XXXX XXXX th, which I took to mean I was Being sued but they couldnt/wouldnt tell me where. I believe the threat of legal action is not appropriate because the apartment has not followed the law on how they handled my security deposit and in Michigan a landlord has 45 days to start a law suit which they failed to do and typically this means after that deadline it is not a legitimate debt. The collection compsny demanded {$1500.00} and i sent a certified letter disputing the debt and asking how they calculated the fees. They responded onXXXX with a statement showing a {$1200.00} nonsufficient notice fee that is not listed in the lease. This statement was dated XX/XX/XXXX but it was never received by me and when i called the leasing co to ask about the security drpisit no one ever called me back and when i called after getting the first letter they referred me to the collection company who demanded the money and told me they would seek legal action on XXXX XXXX th- whic is a weekend. I felt threatened that if I didnt pay this would create legal problems for me and destroy my credit. Because they wouldnt tell me how I could defend myself against a lawsuit from them I felt like i had no option but to cooperate with them and give them information they were seeking.

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 07/24/2017 about Debt collection (Other debt) with Executive Credit Management, Inc (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I moved out of a property in 2014. I discussed the move with the property manager at XXXX XXXX XXXX. She advised that there would be no late fees or collections associated with the early move out since she had a tenant who would be moving in immediately. None of the charges were for damages or carpet. Through some mis-communication, the item was turned over to Executive Credit Management who reported it to my credit bureau. I disputed this with XXXX and they left it on my file.

Company response to consumer: Untimely response
Consumer complaint received 10-05-2016 about Mortgage (Home equity loan or line of credit) with BB&T CORPORATION (PA).
Issue: Loan servicing, payments, escrow account

Complaint: My fixed rate 20 year mortgage originated with XXXX, was transferred to XXXX XXXX in a takeover/buyout and is now held by BB & T bank. Since the bank buyout transition in XXXX 2016 my mortgage statements have been riddled with irregularities, the worst of which, is that my 'Outstanding Principal Balance ' has n't gone down since XXXX, even though they have taken 3 payments since then. The most recent statement indicated that 100 % of the payment made was allocated to Interest and 0 % to Principal. What alerted me to the problem was that the " Explanation of Amount Due '' fluctuated irrationally from statement to statement and did not correlate with the " Transaction Activity '' after the payment had been processed. To try to resolve the issue, I went to a local bank branch and called the main number. No one seems to know what is going on, and I am certain it is not an isolated case pertaining to only my loan.

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 07/26/2017 about Credit card or prepaid card (Store credit card) with WELLS FARGO & COMPANY (FL).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: Wells Fargo issues me a credit card with a {$6300.00} credit limit that was never applied for. I have contacted them and opened an executive complaint ( XXXX ) and they admit they have no application for the account, but refuse to close it.

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 02-03-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (MD).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I have a Walmart MasterCard. I use it for promotional " no interest '' purchases. My card member agreement and statement say " If your account has a deferred interest promotion and you would like us to apply a payment on your account to a specific balance, please call customer service to discuss options that may be available ''. I had a promotional balance of {$77.00} expiring on XX/XX/XXXX. I contacted customer service via chat ( see enclosed screenshot of chat # 1 ) onXX/XX/XXXX to inquire about having my XX/XX/XXXXpayment due XX/XX/XXXX credited to the promotional balance. I was told by XXXX XXXX " ... if you pay {$77.00} the entire amount will be credited to the promo expiring on XX/XX/XXXX ''. I made said payment and it was not allocated as promised. {$54.00} was allocated to the expiring promotion and the excess was allocated elsewhere. On XX/XX/XXXX I chatted with XXXX XXXX about the error ( see chat # 2 ). I was told that the account was being correct and the promotional balance expiring on XX/XX/XXXXwas now paid off in addition to the promotional balance expiringXX/XX/XXXX. My XX/XX/XXXX statement appears correct. After my XX/XX/XXXX statement printed my account was altered to add balances back to the promotional balance that were paid off. I chatted again on XX/XX/XXXX with XX/XX/XXXX( see attached chat # 3 ) At that time I was being charged interest on a promotion purchase that was made XX/XX/XXXXfor which I have a receipt showing that a promotional certificate was used. XXXX said that was correct and the billing was corrected to properly show the promotional balances expiring XX/XX/XXXXonXX/XX/XXXX were paid off. When my XX/XX/XXXX statement arrives everything seems correct. I get myXX/XX/XXXXstatement and it shows me being charged {$3.00} interest. I chat again with a supervisor who says that this is a mistake and he is correcting it. I also request that {$58.00} of the {$83.00} payment made in XX/XX/XXXX be allocated to the promotional balance expiring on XX/XX/XXXX. He say it is done. When myXX/XX/XXXX statement arrives I am still being charged interest, the payment was not allocated correctly and onXX/XX/XXXX someone created a promotional purchase onXX/XX/XXXX expiring onXX/XX/XXXX that never existed and placed it on my account with a balance due of {$99.00}. To be clear there was never a purchase made on XX/XX/XXXX. There was a purchase made on XX/XX/XXXXbut that promotional purchase was paid off in XX/XX/XXXX. I have been charged more interest as well. I am caught in a viscious cycle that XXXX XXXX  will not 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 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Previous inquiries related to fraud, which the accounts were closed and removed from my report have been reinserted. 

Recently I got hit by like 4 applications of credit for car and I am not able to get hold of someone on the phone they keep transferring from one place to another just spend 4 hours on the phone and still I was not able to talk to someone. 

XXXX Inquiries that reappear : XXXX Date Filed XXXX/XXXX/XXXX Type BankXXXX and XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address PO BOX XXXX XXXX Date Filed XXXX/XXXX/XXXX XXXX XXXX and S XXXX XXXX Phone Number ( XXXX ) XXXX Address PO BOX XXXX XXXX fraudulent inquiries XXXX obtained a copy of your XXXX Credit ReportXXXX XXXX, XXXX XXXX XXXX XXXX XXXX obtained a copy of your XXXX Credit ReportXXXX XXXX, XXXX NEW! 
XXXX XXXX XXXX obtained a copy of your XXXX XXXX XXXX XXXX, XXXX EQUIFAX XXXX. XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Bank XXXX XXXX XXXX XXXX ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX. XXXX Date Filed XXXX/XXXX/XXXX Type Bank XXXX XXXX XXXX XXXX ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX. XXXX CARD Date Filed XXXX/XXXX/XXXX Type Bank XXXX XXXX XXXX XXXX ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX. XXXX CARD Date Filed XXXX/XXXX/XXXX Type Bank XXXX XXXX XXXX XXXX ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX. XXXX Date Filed XXXX/XXXX/XXXX Type Bank XXXX XXXX XXXX XXXX ( XXXX ) XXXX Address PO BOX XXXX XXXX. XXXX CARD Date Filed XXXX/XXXX/XXXX Type Bank XXXX XXXX XXXX XXXX ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX. XXXX XXXX De XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX. XXXX XXXX from XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2016 about Debt collection (I do not know) with FirstPoint Collection Resources (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do not have unpaid debts. I continue to receive calls from First Point Debt Collection stating they are a debt collector that needs to get in touch with me. The phone number I receive calls from is ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Transunion, I am aware that some of the accounts listed on my credit report have been sold to a 3rd party. These are NOT the original creditors and I am NOT under any contract obligation to this companies and or agencies. Please remove this account from my credit report immediately. They are listed below : 1. Debt Collector - XXXX Original Lender- XXXX Balance XXXX {$560.00} 2. XXXX XXXX Balance - {$830.00}

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