milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/15/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have applied for a credit card three times in the past nine months. After the first application I discovered inaccurate information reported by XXXX. 
The 2nd application resulted in inaccurate information reported by Experian. 
I requested a copy of my credit report from Experian and was informed that there was insufficient credit history to provide a report. 
But when I applied a third time I was then again denied because of " outstanding debts, '' The lending institution, XXXX XXXX XXXX provided XXXX account numbers associated with its report alleging bad credit. 
Both of these accounts are with XXXX XXXX Bank with which I have NO association. 
However, XXXX XXXX is listed as an authorized user. I have never applied for, nor received ANY credit from XXXX XXXX Bank AND as a matter of fact have been denied a credit card three times now. 
I have submitted fraud alerts with both XXXX and Experian. For some reason the online system with all XXXX agencies would not allow me to proceed. I also too have submitted a request to XXXX. 
With each correspondence with any and or all of these agencies I have submitted copies to the CFPB. 
I would appreciate any assistance that can be provided in clearing my good name and credit status.I strongly suspect that I have become a victim of identity theft and am working closely with all credit reporting agencies, the Consumer Financial Protection Bureau, XXXX XXXX, and the Social Security Administration to clear my good name and credit report.

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 05/13/2016 about Debt collection (Medical) with Financial Corporation of America (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Financial Corporation of America has been calling my hospital trying to contact myself and I am an XXXX. My understanding is they are not allowed to try to contact you based on XXXX if they know your employer prohibits the consumer from receiving such communication. I am unable to leave patient rooms to speak with them when they call to tell them to stop calling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have filed XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX to XXXX, XXXX & Equifax to have XXXX XXXX removed off my credit report alone with the address XXXX XXXX XXXX XXXX La XXXX which is inaccurate, there is fraud alerts placed on each bureau still no changes & it 's affecting me. Can you please investigate and have this removed from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Payday loan, title loan, or personal loan (Title loan) with Maximum Title Loans, LLC (AZ).
Issue: Problem with the payoff process at the end of the loan

Complaint: My loan is for {$4000.00} with a payment due on the XXXX of the month for {$200.00}. I was contacted on Sunday which was the XXXX of the month and asked for payment. I informed the representative that I could not pay until the XXXX of the month. The representative would not allow me to adjust the my payment date and stated the collection efforts would continue. Every two hours I was texted and called in which I answered the text and phone calls repeating that I could not pay until the XXXX and that I would also pay the late fees at that time. On Monday I repeated the information to all the various phone calls I also receive on Monday. The representative stated they needed my car until I could pay the payment. I repeated that I would pay the payment on the XXXX plus the late fees. 

The representatives were now becoming aggressive and threating to call and text my employer and that the are going to report my car stolen. I repeated that I could pay the {$200.00} in 7 days along with the late fees. They continued to harass me by phone, email, text and I replied to all of them with the same answer, I can pay on the XXXX and all late fees. 

Wednesday is today, and the representatives are calling around to my business relationships and threatened to report the car stolen. 

I have called the business, Maximum Title loans, and have attempted to speak to a individual about my account and have had to leave voice mails and have not bee called back, yet I have been asked 3 times to surrender my vehicle without explanation. 

Please assist me in mitigating the damage to my personal reputation and business well being from being slandered by these debt collectors and assist in obtaining reasonable terms of repayment and ability to request a payoff and close the account. 

My name is XXXX XXXX XXXX and I can be reached at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Debt collection (Credit card) with Lustig, Glaser & Wilson, P.C. (MA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On or about XXXX XXXX XXXX I was notified of a letter from Lustig-Wilson and Glaser regarding a proposed debt they may have purchased from XXXX XXXX attached to my name. I reviewed the letter and exercised my right under the provision of the FDCPA to request a validation of debt. I sent a certified letter to XXXX on XXXX XXXX and it was delivered and signed for on XX/XX/XXXX. The letter included my request for signature of my original contract from the original client, copies of all charges showing signature, and copies all of statements so I can review this information to determine it all is correct regarding the amount they state is owed. I placed a call 4 days after the certified letter was received by LGW and spoke to associate XXXX to confirm that the request had been updated on my file/records. He could not confirm verbally that my letter was received nor had my file/records been updated with my request. I called back a week later hoping to get an update and spoke to a female who I can not remember her name nor did I write it down, but she also confirmed that there was nothing noted on my file/records that my letter had been received. I called again to LGW and spoke to a supervisor named XXXX on XX/XX/XXXX, 16 days after the letter was signed for and once again I was told that there is nothing noted on my account about my letter requesting the VOD. XXXX then informed me that a request has been sent to the original creditor for information but they do that for all accounts in their office. I asked to speak to someone who could confirm that the office has in fact received my letter and he said he is the supervisor and there is no one else to can help me. I am extremely upset that I exercised my rights to request the VOD and that an office of law will not confirm basic information to a consumer that they are trying to collect from. I honestly think this is a stall tactic and find it unacceptable. I have done my diligence to respond within the appropriate time under the FDCPA validation provision and I have copy of the letter, tracking and proof of delivery.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Transaction issue

Complaint: Disputed a duplicate charge on my Capital One credit card. After receiving acknowledgement and a credit from them, the charge was later debited to my account with a follow-up letter telling to work it out with the merchant and that the case was closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am disputing all hard inquires on my credit report because this is fraud and does not belong to 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 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with STERLING JEWELERS, 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 tried to dispute this account because it has been over 8 years that this account has been opened and I wanted it to be removed from my credit report. As the result, this account came back on my credit report re-aged. 

I spoke to XXXX  and they told me my account can not be removed because with a {$0.00} balance I need to wait 10 years. And it is showing a new date as XX/XX/XXXX and this account will be removed from my credit report in XX/XX/XXXX. They re-aged my account and told me there's nothing they can do about that. 

They also told me to try and contact the creditor company and ask them to send an authorization to remove the account. 

I called the creditor company and they told me it is impossible that my account re-opened unless I applied for a new credit line which I did not. I tried to explain the situation to her which she did not want to listen, and she told me they can not remove anything. 

I know my rights and I know that they can not leave bad debts more than 7 years on my credit report and re-aging accounts are illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Debt collection (I do not know) with Direct Recovery Services, LLC (FL).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: XXXX XXXX calling neighbors that I do n't know and informing them that they are FBI and to contact the immediately about a debt I have. I noticed other complaints online from that name/number, that they are Direct Recovery ServicesXXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX

Company response to consumer: Closed
Consumer complaint received 10/18/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax suppose to have investigated a Tax lien that is showing up on my credit report for {$1100.00} which is incorrect yet they are saying it is reporting accurately. Tax Lien Reference # XXXX. Please be advised that this is my SECOND WRITTEN REQUEST asking Equifax to remove the unverified account listed below that remain on my credit report in violation of 15 U.S.C. 1681. They are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the correct name of that individual, their business address, and telephone number because the number you provided was n't correct. 
XXXX Law Dictionary, XXXX Edition, 2009, defines " Verify '' as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) " to confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and " Verification '' as, " Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. '' What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with RentDebt Automated Collections, LLC (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: An account for collections was opened on my credit report on XX/XX/XXXX from Rentdebt automated collections company in order to attempt to collect a debt for an apartment in which I  previously leased. The amount amounted to XXXX in total. My issue is not with the amount owe but with what the creditor is reporting. The creditor is listing this debt as a eviction which it was not. I remained in this apartment for the entire lease term and was never evicted. The balance remaining on the amount was for carpeting which the apartment had to replace, final water bill and other misc things but never for an eviction. I have disputed this case through the credit karma with the result of " Account information disputed by consumer, meets FCRA requirements. '' I have tried to explain that I am not trying to dispute the amount owed but they way the collections is reported on my credit report. I have so far paid down the balance to XXXX and have a final payment scheduled on XX/XX/XXXX.  According to the FCRA rules, FCRA 623 ( B ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed ans must be investigated and if you do not investigate and respond, the FCRA must delete the disputed information from the files. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Jim Bottin Enterprises, Inc (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Joined XXXX when it first opened in late XX/XX/XXXX and decided to leave in early XX/XX/XXXX. Despite numerous cancellation attempts and not using the gym in over 5 months XXXX continues to bill me and has now forwarded me to ABC Financial, a Collection Agency in XXXX, AZ. Attempts to contact XXXX XXXX, Membership Manager, go unanswered or returned.Speaking with " XXXX '' ( will not give her last name ), in Customer Relations, hangs up on me.Simple questions like " Will you please look up the last time I used your gym '' to " XXXX '' to show I have n't used the gym in over 5 months are responded to as " that 's not important '' and then hangs up. Letters to both XXXX XXXX and ABC Financial under the U.S. Fair Debt Collection Practices Act, 15 U.S.C. section 805 are ignored. ABC Financial has also been asked to provide written proof that they are licensed to do business in the state of Kansas and they have n't. XXXX XXXX is unwilling to address or correct the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: Between XX/XX/18 - XX/XX/18, I was in a physical altercation with my past roommates, and it resulted into me leaving all of my belongings ( phone, wallet, etc ) inside the house. I had to move back in with my mom and stepdad, and it took me a while to get back on my feet and I was extremely overwhelmed with a lot of things going on in my life. It was between XX/XX/18 - XX/XX/18 when my mom bought me a new phone and I was able to check my bank accounts, and I ended up having to file a claim after seeing {$170.00} missing from my account, putting my account in the negatives. I talked to someone in the fraud department and within 1-2 days they were able to refund my money. 

Due to me having multiple issues with Bank of America, I had made it my duty to close my account. I talked to a woman in the bank, located in XXXX, XXXX, and she notified me that Im not able to close my account until my account no longer has money so she walked me over to a Teller and I was able to withdraw the remainder of my money out of my account. She assured me that my account was closed, and I made a note to myself to open a new account with a different bank. But, I was still receiving emails regarding my account having overdraft fees taken out of it, making my account - {$260.00}, if not less. I was assured that the woman had closed my account and was extremely distraught that I was this much in debt when she had told me my account was closed. And now, I get an email saying my claim was valid and theyre reversing the refund, putting my account nearly - {$500.00} in the hole. Im now taking care of my Grandmother, and just have so much on my plate. I thought BoA wouldve completed my claim, and Im not sure why they denied my claim when I was robbed AND I had been told my account was closed, only to get a mountain of overdraft protection fees back to back to back. 

Please help 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 monetary relief
Consumer complaint received 11/21/2017 about Debt collection (Federal student loan debt) with NELNET, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX Nelnet, I still have yet to see the contract granting you the rights/Jurisdiction, regardless of what you are insinuating. You still must prove your jurisdiction. I am attaching this document and I suggest you seek legal counsel. Also attach the papers that were sent to you office regarding discharge and dishonor. ; - ). I wonder why US department of education is not responding but you are and are claiming to be the servicer ..lol Thanks, but i dispute to contract with your company and we can get the UPU involved if need be.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (CT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: The Sherman Anti Trust Act, regulates Trusts & Business Conglomerates. 

Estates & Trusts, land and property being held, & " used. '' A Trust was once a Common Law, Law of Precedents, one previous decision, weighing on the next, using a Judge only, weighing, " right from wrong. '' The XXXX XXXX County Court House, dismantled & converted to state statutes only, with no foundation of any Trust except Statutory Trusts. A Successor Trustee who is liable and competent can not " appear '' for the XXXX XXXX XXXX XXXX XXXX XXXX, which is still held on XXXX XXXX XXXX, as casino run off of XXXX XXXX, XXXX XXXX, S.D. with hundreds of other defunct Trusts, failed XX/XX/XXXX. Congressional Indenture Act, Corporation actings as Trustee , Securities & Exchange Commission, ( Conglomerate ) failed XXXX XXXX XXXX. & another completely different EIN, and fictitious name Wells Fargo & Company, as XXXX XXXX XXXX XXXX. EIN XXXX went inactive and now not valid, and failed hundreds of branches in 40 USA states, and hundreds of other business using that EIN number. 
As some-sort-of-Conglomerate, they did not honor their own failure and they plead that they use non existent persons employed un gainfully as XXXX XXXX XXXX already since XXXX, and have no contingency plan, and owe me {$330000.00}, and shouted to the State of CT. they will or can not pay, and they have to all be picked up as non existent and have no  use of the criminal justice system at all. 
They can receive XXXX XXXX, and be " straightened out '' at their own expense to delay their disposal.

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 06/20/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I do not, and am not disputing ownership of the Trade line contained in this. 

XXXX XXXX Account account is reporting inaccurately, and incompletely. Please update its data to report correctly - or DELETE the account. 

This Collection account is reporting as if they are Credit Grantors, when in fact they are not. And as such, They are expected to be reported in the ( XXXX and XXXX ) segment allowed for such reporting, Collections. Please see page XXXX - of the attached sample Equifax credit report., from equifaxes ' own site. 

This collection account, and all others showing on my files- allows this debt collector to report this activity as if - I have/had an " OPEN '' type ( reserved for XXXX, utility companies ) - where a contract for services exists and that such contract allows for payment when billed. They as debt collectors - can not report in this manner. 
FCRA - 623, is the section in which this complaint, is being filed 1. Because of the way in which this is reporting, and ORIGINAL CREDITOR must exist, and does NOT 2. This account is showing as an " INSTALLMENT '' Type of credit line, when they can not as Debt Collectors 3. Is inaccurate - as even as it resides in this segment of my report - lacks its true Pay Status, as they can only have " PAID Collection '' or " Unpaid Collection '', or check, of which this account is not. This instead has " In Collection '' when this value is dedicated to Credit Grantors only. 
4. Stores a date of First Major delinquency, which the Debt Collection CAN NOT own or report after it bought or was assigned this account. This - is owned by the Original Creditor - and is wholly inaccurate 5. Has a High Credit - which is wholly inaccurate, there is no HIGH Credit with a Debt Collector, only - the Original Creditor 6. Even existing on this record in its current state - the record is wholly incomplete A credit Grantor must supply the Creditor classification, this is blank c. The Balance History would then be mandated, and this is blank 7. This is a paid collection, and there is neither a concise closer status nor a date. 
I hereby acknowledge that I am the author of all data within this complaint, and I am the owner of all accounts identified within this complaint. I am the author of all text within this complaint - as well as the intellectual owner of the identified data issues on my file. There is no credit repair agency involved, simply myself - a consumer who is being educated through all of this activity. I, as an American Citizen - have an entire right to have this dispute, heard, managed and resolved through this portal.

Company response to consumer: Closed with explanation