milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-07-2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I 'm having problems with Equifax not correcting info on XXXX public records they have listed. I disputed with XXXX & XXXX 30+ days ago & they deleted XXXX of them & corrected the info on a XXXX. This is the 2nd time I 've disputed with Equifax & both times they came back " completed '' in just a few short hours. The other XXXX CRA 's took almost the 30 days allowed to delete/correct the info. The fact that 1 ) it took Equifax a couple hours to " complete '' this " investigation '' & 2 ) they state the info is correct when it absolutely is not correct, tells me they are n't even attempting to verify & correct this information on my credit report with them. I have been to the courthouse in person & have seen the correct info, and the other XXXX CRA 's have actually investigated these listings like they are supposed to, and already deleted/corrected the wrong listings. If a CRA is going to take the time to include public records which is EASY to verify if they actually did it, then they need to take the time to make sure this info is correct. This is my credit report & is very important, and as such it needs to contain correct info, not junk they just throw on there, without making sure everything is kosher first. This affects my life to a huge degree in every way imaginable, from getting credit to getting a job. As I stated, this is my 2nd attempt to get this info fixed with them, and both times they were negligent ( in my opinion ) in fullfilling their purpose & duties as a Credit Reporting Agency. They most obviously are n't actually investigating these incorrect listings when the info listed is STILL wrong, and the other XXXX CRA 's already actually investigated these and found them to be incorrect & deleted XXXX that are due to fall off soon, and updated the newest one with the correct info. As such, I would like Equifax to completely delete all XXXX of my paid medical judgements they have listed, since they are obviously not interested in displaying the correct info & just want to show whatever they feel like without regard to the very real problems that an incorrect credit report causes in peoples ' lives. And for the record, Equifax 's online dispute system is complete rubbish compared to the others '. Half the time you get errors when answering the questions that identify you, or it states your answers are incorrect, when in fact they are correct. Also, Equifax 's dispute system does n't allow for any notes to be added to the dispute like you can with XXXX 's & XXXX 's. That is just plain stupid, but does n't surprise me considering they do n't seem interested in making sure peoples ' reports are accurate & just spit back " completed '' investigations, when none ever actually took place.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2018 about Debt collection (Other debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: On XX/XX/XXXX @ XXXX CST I received a call from a private number saying I was contacted by a " debt dispatch '' company regarding a debt that was about to reach legal action, in the form of a summons. The lady had no information about the debt ( such as amount, type of debt, the company it was associated with or the age of the debt ). However, they gave me a # to call ( XXXX  ) XXXX and a accnt # XXXX. I called the # that was supplied and the gentlemen who answered told me the debt was from bank of America, of which ive never had an account with bank of America, nor have I ever received a letter regarding such a debt or account. The gentleman, who refused to give his name called me " A Liar '' and stated " Legal proceeding were occurring XX/XX/XXXX-XX/XX/XXXX to collect this unheard of debt. Now, I assumed maybe my identity was stolen. Quite possible, but then when I asked for more information, he said " the account # is XXXX, and that it was from bank of America. I asked for the address of his agency, he refused to give that information. All he said was " This is the XXXX XXXX '' As I was concerned because I have great credit, cleaned it up over the past 7 years, I contacted BOA this morning and spoke to a rep who could not verify any of this info. Now I'm filing a complaint and would love to know how my name and number was accessed and why are they saying I owe a debt, when I don't?? especially without ever receiving any written notice for an account if never had?

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Attempted to remove old addresses and addresses where I never lived from my Experian credit report. I was told that several accounts were connected to accounts and they refuse to remove aforementioned items. The addresses are : XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 11/16/2017 about Debt collection (Other debt) with Debt Recovery Solutions, LLC (NV).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: There is an unknown account that was just reported on my personal credit file that is unknown to me. This is a mistake as I do not owe anybody this amount. Pleaes help

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2018 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (MA).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: Wells Fargo put Gap insurance on our car back in 2013 even though we have always had car insurance on both vehicles ( We have had XXXX XXXX and XXXX, XXXX and back to XXXX ). We've always had the required insurance coverage needed by law with Wells Fargo as the lien holder. provider XXXX They put it through XXXX for a 2nd time XX/XX/2013 even though I would always confirm with the insurance company that Wells Fargo and our other loan had the policy information. They tell you to fax it to Wells Fargo Dealer Services Auto Insurance or mail it to XXXX XXXX XXXX XXXX, Pa XXXX I believe they never deducted the amount from my loan that was added in error.

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 04-03-2015 about Prepaid card (Transit card) with SYNCHRONY FINANCIAL (MN).
Issue: Fraud or scam

Complaint: some guy called me and said are you looking for loan he was from payday loan. since my credit was no good I had to show I could put {$150.00} on a prepaid moneycard from Walmart. this guy name XXXX XXXX said I wo n't take out and you can use your card in about XXXX min. I went to activate it and they put the card in there name and I ca n't use it I have the card from XXXX here. the # XXXX XXXX XXXX XXXX. please stop that card before mailed to that person I can get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Checking or savings account (Checking account) with KEYCORP (PA).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I use a app called XXXX XXXX in which I am able to get money daily for the work I do. They front the money to me and my account is automatically debited on my payday. The problem is my bank does n't send the info fast enough to active hours so that they know they were reimbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax is reporting that i was charged off or late on the following accounts : XXXX credit adjustment XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX bank XXXX accounts are all charge off. theses account were always paid on time and never late. Please have the credit bureau update theses account as paid in full/paid as agreed remove charge off status

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Debt collection (Private student loan debt) with TRANSWORLD SYSTEMS INC (IN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Representative from company continues to call after several requests from myself and spouse to quit calling. I have asked for a letter of proof of debt and who the owner of the debt is and never received it.   They tell us it is a federal student loan when in fact it is a private student loan and they are threatening " federal repercussions ''.   They have called my spouses employer several times and claimed to my wife that I gave permission to do so. I did not give permission nor do I know how to contact her employer.   I have asked to come to a reasonable payment agreement assuming such debt is actually owed and am continually asked to pay full amount as the only option.   I am tired of the oppressive calls which to my knowledge are breaking both federal and Indiana law.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (CO).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I made the mistake of purchasing a washer, dryer and refrigerator from Sears. I was told that if I opened a Sears credit card that I could get free delivery. After two weeks of waiting, I was told that the items were going to be delivered on Friday, XX/XX/XXXX. I got a call that morning from the delivery personal that the items were arriving. Then I got a call 2 hours later that the refrigerator was gone. Sears later changed their story, saying the refrigerator was never on the truck. I attempted to cancel the refrigerator twice because Sears told me it would be another two weeks to obtain a refrigerator. They initially refused to cancel the item and when they finally did, they refused to send me written confirmation saying that written confirmation was not possible. Move forward another week, my Sears credit card arrived and I immediately set up a payment ( in XXXX ). Sears waited until XX/XX/XXXX to submit a letter that they could not run the payment, but they never sent me a letter even though I had n't yet signed up for paperless billing. Come the XXXX, I find out I have a late fee and my bank says there is nothing wrong with my routing or checking account number. I called customer service and tried paying yet again only to get another letter that THAT payment did n't go through ( I used a debit card the 2nd time ) and that my late fee had not been removed as per the reps assurance. I have spent 22 years handling my credit with kid gloves only to have it ruined by Sears. Their practices are unethical and it is no surprise they are going out of business!

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 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On    XXXX   XXXX   , 2017   XXXX   XXXX   XXXX   in  XXXX  GA submitted requests to multiple lenders who pulled my credit report. This created multiple Hard Inquires on my credit report driving my score down even further.
I did not provide written nor verbal authorization for my credit to be investigated, in fact I was in NY at the time. My wife was shopping for a car at the time but she did not/can not authorization of my credit.
I would like the dealer 's credit practices reviewed for compliance to FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Debt collection (I do not know) with The CBE Group, Inc. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Repeated phone calls at least XXXX times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Credit reporting () with HARLEY DAVIDSON FINANCIAL SERVICES INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I got 2 letters in mails, First was saying the bike was re-POed Second was saying it was sold in a auction, paid more then it was worth. 

That was it.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (PA).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint: I receive the title to the car that was Financed with Wells Fargo Dealer services. I have issue with wells fargo dealer services as a charge off amount. If there was a charge off amount why did I receive my title. 

Dates not reported on my credit file as wrong by wells fargo first reported 2010 wells fargo did not report the loan right on none of the reporting bureaus. 

Wells fargo dealer services received all there money and there was no balance left owed on the contract.

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 01-11-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I applied for a CitiBusiness platinum credit card which offered XXXX XXXX XXXX bonus points if you charged {$3000.00} in the first 90 days. I did fulfill this requirement but Citi said I had opened or closed a credit card within the past 24 months which disqualified me from the bonus points. They stated that I closed my last CitiBusiness card in XXXX of XXXX, which is not true. 

My final payment on my previous card was XX/XX/XXXX, and I called and cancelled the card on XX/XX/XXXX and at the same time confirmed a XXXX balance. Citi has no recording or any verification whatsoever that documents their XX/XX/XXXX date. 

I have made 3 calls to Citi with this information and they still send me a form letter stating that I had opened the present card in less than 24 months. I spoke to a supervisor by the name of XXXX in my last conversation on XXXX XXXX who stated she would contact the department involved ( I would not be able to talk to them directly ) and would call me back the next day ( XX/XX/XXXX ). I authorized her to leave a complete message on my message machine if she did not reach me. She never called.

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 12-04-2016 about Credit reporting () with EQUIFAX, INC. (OK).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Previously, I submitted a complaint with Equifax about negative reporting from XXXX ( XXXX ), and they said if new evidence was found, I could open a complaint. 
I found more evidence and submitted a complaint XXXX XXXX XXXX, this is pending. HOWEVER, I now have even more evidence to remove the unfair negative reporting : I contacted XXXX to get the original dates of the negative reporting ( XXXX ), and would like to add that to the original dispute ( XXXX ). 

XXXX provided dates of the original debt, which was last paid in XXXX 2008 : 8 years and 1 month old. Even if XXXX or XXXX bought a debt from XXXX, they should not be able to report negatively on an item OVER 8 YEARS OLD.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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 tried numerous times to get this illegal reporting off my credit report from Equifax files. I finally got a letter from the company myself, and also fisrt data sent them a letter a month ago to get that item removed from my credit files. I am attaching the letter again for Equifax can get it again, and finally get this matter resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/26/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I noticed that some company XXXX XXXX XXXX put a notice statement on my credit report. This company does not have the right to put comments on my report and I never did business with them and also the bureau allowed such statement from this company to be put on my credit reporting without my authorization and never notified me of such a comment. this is illegal also being that this company does not give me an address or number to address this complaint. I want this removed immediately or legal action will be taken.

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 12-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I got the Pre-approved credit card via Citicard XXXX XXXX. However, when I submitted my application I got the application declined with the reason some collections involved in my credit reports. I worked with the collection companies and paid all collection off as Paid Off with XXXX balance. After two month with paid off my collections I could be able to obtain a Credit card from XXXX XXXX XXXX. However, as a XXXX member over 10 years, I would like to reapply the Citicard XXXX XXXX again so I can get the benefits from XXXX Member. I got declined again with the reason : " Too few satisfactory credit references were recorded on your credit bureau report. '' Citi card used XXXX to check my credit history. I have a copy of 3 credit Bureau, all three report I have NO collection. All past collections are paid off with XXXX balance for last 3-6 months. My question is why Citi card sending me the Pre-Approved application for what? I believe I deserve an approved card from Citi XXXX XXXX. I read online review, many people with active collections still got approved from Citi XXXX XXXX, why not me?

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 10-11-2017 about Debt collection (Other debt) with EOS Holdings, Inc. (PA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I received a letter that had my husband name on it and I call EOS CCA and I told them I received a letter and found out it was for my step son ( they have the same name ) and I was told that I had to return the letter and they refused to make the address as a bad address and then I ask to be transferred to a supervisor and was hung up one

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Debt collection (Payday loan debt) with National Credit Adjusters, LLC (MS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: FIRST OFF I DID NOT REQUEST OR RECEIVE THIS LOAN. I LEARNED ABOUT IT FROM THIS COMPANY CONTACTING ME TO COLLECT USING A SCARE SCAM IDENTIFYING THEMSELV ES AS THE SHERIFF  'S DEPARTMENT NEEDING TO MEET UP WITH ME TO SERVE ME COURT PAPERS BUT WANTING {$1700.00}. AFTER REQUESTING DOCUMENTATION THEY HUNG UP ON ME REPEATEDLY. THE FOLLOWING MONTH THIS DEBT WAS REPORTED TO MY CREDIT REPORT. I HAVE DISPUTED THIS 3 TIMES AND ALL  XXXX  IT IS FOUND TO BE CORRECT. IT IS NOT. I HAVE CONTACTED THE COMPANY DIRECTLY AND THEY WILL NOT TALK TO ME BECAUSE IT HAS BEEN TURNED INTO COLLECTION, AND THE COLLECTION COMPANY SAYS THEY WILL SEND ME DOCUMENTATION BUT I NEVER RECEIVE ANY DOCUMENTATION ONLY SETTLEMENT PAPERWORK FOR {$130.00}. THATS A HUGE DIFFERENCE FROM {$1700.00}. PLEASE HELP ME SETTLE THIS ACCOUNT AND HAVE IT REMOVED FROM MY CREDIT REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Debt collection (I do not know) with National Recovery Solutions, LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They called my cell phone and left a message and then went as far to call my place of employment and ask for the Human Resources department. This is an embarassment to me at my place of work for three years over something I dont even know of. Possibly debts that were from my XXXX. I am XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX has over charged with their over charge in fee 's and other cost 's, that should not even be legally charged to customers. After ending my services with them they went ahead and continued to over charge in fee 's and other charges.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Overlimit fee

Complaint: I have a Macys credit card and i wanted to place an order which never in the past i had an issue and when i was on the chat screen with someone from Macys they told me i was past my credit limit and i asked how much and they well your limit is {$600.00} and you are at {$800.00} and something cant quite remember the exact amount. but i said " WHAT! '' how can i be past my limit when i was never told i was past my limit and to this date i get emails from you saying to pay the minimum due which is {$29.00} and i pay {$30.00} or more! How can they do this isnt this a ripoff?? if im at my limit there should not be any more charges past that amount!! I should only be charged the {$600.00} which is my credit limit! 
please advise me or let me know what 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