milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Transunion sent me an email on XXXX XXXX, XXXX notifying me of Changes to my credit report. I still see two names that do not belong to me or have been used by someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Debt collection (Medical) with Grant Mercantile Agency (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: on XXXX XXXX I have a medical emergency my husband called the XXXX to take me to the hospital when I got better I started to pay all my medical bills that a got in my mail boxXX/XX/XXXX I found that out by checking my credit that I have a collection from grant mercantile agency with the XXXX so I check my medical bills and I never receive any bill from them so I call them and ask them what was goin on and after while I found that our that they where sending the bill to the wrong address I want to setlle this out so they would help me fix my credit but they did n't want to help until I have paid the whole amount wich was from {$1200.00} to over XXXX I do n't know what to do, they did wrong and ruin my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/14/2016 about Debt collection (Credit card) with Azcar Capital, Inc. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Re : XXXX Bank / Unlawful Credit Card Debt Collection Practices. Due to a loophole through the court system and a XXXX bank credit card charge-off in 2009 for {$6400.00}, I have been issued a wage garnishment now totaling {$14000.00} through a debt company AZCAR Inc. After a long effort to prove unlawful judgements, deceptive affidavits, debt flipping and AZ interest rate violations, my motions to vacate the case have been denied. 
AZCAR Inc. had failed to provide acceptable documentation and disclosures of debt ownership but it was disregarded and/ or ignored by the courts. Also, some spreadsheets provided by AZCAR resemble " robo-signed '' copies of uncollectable debt transfers. The '' so-called debt '' was passed along through various debt collectors through incomplete bills of sale. 
I have also been affected by inaccurate and duplicate debt accounts by credit reporting agencies. This has affected my ability to obtain credit, financing and possible employment in the past years. Collection Information about the debt left an impossible burden of challenging the errors. Now, the {$500.00} a month garnishment has also caused financial hardship. 
The successful debt collection lawsuit against XXXX bank proves wrongdoing by AZCAR Inc., debt buyers and the bank. The repeating many times over of resale of debt, often for pennies on the dollar, is excessive. 
I will include in this complaint, various court documentation, unsuccessful debt verification and credit report documentation. If any other documentation is needed, I can supply this on demand.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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 submitted a complaint to Transunion about XXXX XXXX ; I have paid in full to the account. I also want to know why these United States Credit Bureau 's are allowed to only report negative information from Wireless companies and Utilities? This is a one way avenue that is a direct Economical impact to the wealth of our country. This is a bias practice. If these companies want to report negative on our Financial Credit system then they must report good credit to these companies as well. This process is unfair and bias towards the wealth of Banks and APR that sucks American 's Wealth which Politicians and their Lobbyist get rich from. Enforcing a fair Credit system is Key and allowing these companies to biasly report is a CORPORATE CRIME against AMERICA!

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 10/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have noticed multiple inquiries on my credit card report even for my employment where I 've been for the past 4 years. These are fraudulent and I am requesting they be deleted immediately. There are 10 inquiries.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: Sensitive personal information has been compromised while under the care of Equifax. Like many others, I am part of the alleged 143 million people who have had my personal compromised and my credit and identity are now at risk. The breach was announced on the week of XX/XX/2017. Equifax has been entrusted with sensitive information yet was too inept to protect it from outside sources. Allowing this to happen and then not announcing it until weeks later is an egregious offense.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX  XXXX XXXX said i didnt have credit history and XXXX  and XXXX cant seem to fix my credit with the inaccurate information they need to fix that asap

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 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Debt collector indicates that the account in question was paid timely until the debt was purchased from the original creditor by the collector Which is not the case. According to the fair credit act the debt may only be reported for XXXX years after the 1st delinquency which would 've occurred prior to the purchase. If the collector can not prove otherwise then the item should be removed from the credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Credit card () with CITIBANK, N.A. (OH).
Issue: Transaction issue

Complaint: I am contacting your agency because I need your help in disputing some charges done on my Mastercard At & t Universal credit card by some fraudulent companies. I have paid several companies thousands of dollars for various online business related and have found myself as a victim of a professionally orchestrated scam. After I paid one company my phone got inundated with calls from these companies offering me their services. I would like you to investigate a all charges done on my card by XXXX charged on XX/XX/2015. They contacted me after I clicked an ad for a " work from home '' business opportunity from an email. They offered me leads, advertising, increase traffic to my website resulting in sales. I never made a penny.They kept saying how important their services were and would bring traffic to my website. I never got any results of their work.I did not get any benefits from it. I never received any goods or services. I have been lied to and charged for services that have not been provided as promised. They have used false and misleading tactics and it is clear that they never intended to fulfill their end of the deal. I tried to resolve directly with them and get my refund but they ignored my requests.

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 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
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: On XX/X/17 I received the results of the disputed accounts on my TransUnion credit report. I have previously asked TransUnion for their method of verification for these accounts, but the only thing I continue to receive are " verified '' results. My requests for their method of verification have been ignored. In the case of XXXX XXXX ( acct # XXXX ), 2 of the 4 accounts were removed. I do not understand this, as these accounts have the same account number. Please provide the documentation used to verify the remaining 2 accounts. Also, XXXX XXXX XXXX ( acct # XXXX ) ; one of the accounts from this creditor was deleted, but the one remains. I am curious to know how 1 account was " verified '', but the other was not. I contacted XXXX XXXX XXXX XXXX for documents to verify the 2 accounts recently placed on my credit report. I have submitted the documentation to TransUnion provided by XXXX XXXX XXXX. It is my understanding, that according to Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, credit bureaus are required by federal law to verify through the physical verification of the original signed consumer contract. I have yet to receive a signed contract from any of the creditors shown below, whom I have personally contact to provide physical verification. Simply submitting a " statement '' is incomplete verification. I have attached all documents received by the creditors listed below. It appears the law has not been followed by TransUnion in regards to Section 609 of the FCRA. 
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 explanation
Consumer complaint received 03/23/2017 about Consumer Loan (Pawn loan) with WELLS FARGO & COMPANY (PA).
Issue: Applied for loan/did not receive money

Complaint: Several years ago I got a line of credit loan with Wachovia.They have since bin bought out by Wells Fargo.Years ago I applied to increase the amount.I was denied because my home does not rest on a permanent foundation.I did n't argue due to the change of regulations with the stock market crash.I have recently acquired about changing the amount again.I was told they could not prevent me from filling out the application but the result would be the same.I find it aggravating that I spent my life paying bills and maintaining a good credit score ; only to be judged by my house not being on a permanent foundation.I told them I felt I was being discriminated against.They replied it was about equity.My house has bin paid off for several years and is worth more than I am asking for.I believe this is a one size fits all policy and is not fair to the individual.

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 02-09-2018 about Debt collection (Medical debt) with Kenneth, Eisen & Associates, Ltd. (AZ).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I recently obtained a copy of my credit report showing a collection account with the name of Kenneth Eisen & Associates. The report states it was for a XXXX office. I was under XXXX at the time the account was allegedly opened with the creditor. I was never given any bill, notice, or opportunity to see why any bill was given. I also was covered under my mother XXXX XXXX medical insurance. 
This should not appear on my credit nor am I responsible for anything that they claim is owed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2015 about Debt collection (Non-federal student loan) with SLM CORPORATION (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My daughter has a small student loan for which she selected to pay the interest as she moves through school. I am the co-signer. She forgot and fell behind 30 days. Sallie Mae called my cell phone on XXXX, XXXX XXXX, 2015, XXXX times, my home phone XXXX times, my daughter 's cell phone XXXX times. All were robo-calls asking to be called back between the hours of XXXX and XXXX Monday to Friday. We had already made the payment the day before, but there was no way to stop these phone calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Credit reporting () with FACTUAL DATA CORP. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: According to my most recent credit report, Factual Data at XXXX XXXX XXXX XXXX XXXX CO XXXX is currently reporting to the XXXX credit bureaus that I applied for credit in XXXX 2014. I did not give authorization to review my credit report. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If a signed authorization can not be found please remove the inquiry from the XXXX main credit bureaus. Having these inquiries are adversely affecting my credit report and is impeding my ability to obtain necessary credit.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Debt collection (I do not know) with NCC Business Services, Inc. (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Starting in  XXXX  of    2016  i started writing letters to the credit bureaus to attempt to remove/verify this item from my report. I then went directly to the company itself. I have NOT received a RESPONSE to any of my inquiries. I am so incredibly frustrated by the lack of response. I have NO IDEA what this is. Where it came from. What it 's for. and NO ONE WILL HELP me. This should not be on my report and is affecting my finances. thi s is NOT RIGHT.   <P/> also- this item appears  XXXX  on my 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 explanation
Consumer complaint received 01/28/2016 about Debt collection (Medical) with Grant Mercantile Agency (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Name : XXXX XXXX XXXX XXXX XXXX : Grant Mercantile Agency Account : XXXX XXXX XXXX XXXX XXXX, Grant Mercantile Agency has been sending me threatening letters and emails trying to collect a debt for XXXX XXXX XXXX XXXX that was Discharged in my Bankruptcy No. : XXXX. We have sent them numerous documents including XXXX XXXX XXXX XXXX Statement of Charges showing ( XXXX ) XXXX balances and XXXX due, stamped, dated and initialed by the XXXX XXXX XXXX XXXX supervisor. 

They were also given the phone numbers of XXXX XXXX XXXX XXXX patient records so that they could call to verify our documents but according to XXXX XXXX XXXX XXXX 's last contact ... GMA has never made any attempt to contact them in anyway. 

Further, on XX/XX/2016 GMA filed collection notices with all XXXX Credit Reporting agencies for the XXXX XXXX accounts and sent me a letter saying I had 30 days from XX/XX/2016 to pay them or they would take legal action against me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/29/2017 about Mortgage (Conventional home mortgage) with Dyck-O'Neal, Inc. (TX).
Issue: Trouble during payment process

Complaint: I am not satisfied with XXXX XXXX 's response to my earlier complaint. 

I do not owe XXXX XXXX. 

I feel terribly cheated to be asked to pay what I do not owe. 

Judge passed judgment without seeing sale and foreclosure papers. Not fair. 

Purchase price was exactly foreclosure price leaving balance as zero. 

See papers attached. 

Remove the writ of my properties.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (RI).
Issue: Managing the loan or lease

Complaint: I had a lease terminate with Ally Financial. I did not believe that I owed them anything but agreed to pay them {$50.00} a month. They put the account in charge off even though I continue to pay. This act lowered my credit score by over XXXX points. They are wrong to do this.

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 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: i found recently that is an account has been reported to my credit file and its not even belong to me, i contact with company to find out but i found poor respond from their end this account is not belong to me and its damage my financial life,

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 07-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I am filing this complaint because my requests have been ignored by Transunion. As my requests to be provided with documents that their company has on file that was used to authenticate and verify these accounts has been ignored, these accounts should be deleted immediately, under Section 611 ( 5 ) ( A ) ( i ) of the FCRA - " they are required to promptly delete all information which can not be verified with accuracy ''

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 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (NV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have always made every payment on this Wells Fargo account on time and I was assured of this because the payment arrangement was made via WF " auto-pay '' system.I was told that due to a glitch I their own system a payment was not recorded properly and I now was showing a late payment on my and my husband 's ( XXXX XXXX ) credit records. I had believe them when they discovered it and said they were responsible for it, yet they have never corrected the late payment on mine or my husband 's credit files with the ( 3 ) credit bureaus.

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 03-06-2017 about Bank account or service (Checking account) with CITIBANK, N.A. (MA).
Issue: Account opening, closing, or management

Complaint: I have had a checking account with Citibank for nearly 20 years. I set up this account with a no-minimum-balance requirement and with no-monthly-fee. Before XXXX I was never assessed a monthly service fee or a minimum balance requirement. 

Starting in XXXX XXXX Citibank began to assess me a $ 25 monthly fee for not having a minimum balance of {$10000.00}. They never sent me a letter stating the reasons for this fee ; I only had it explained to me in XXXX XXXX when I called to complain. 

I never agreed to this change in my account. When I asked for Citibank to explain in writing the change in my account, they refused. 

Citibank also refused to remove this monthly service charge, and told me I had to change to another " banking package '' to have it removed, but those " banking packages '' also assessed fees for a lack of a minimum balance. So I will be continually charged {$25.00} per month that I never agreed to.

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 11/23/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My identity was stolen in XXXX 2000 's. I have an open case with the department of justice and they have arrested the woman that opened accounts in my name. I have filled out an FTC Fraud affidavit and sent it to the credit bureaus however they have not done their jobs and removed XXXX items. 1. XXXX BANK 2. XXXX XXXX JUDGEMENT. 3. XXXX BANK. I Feel like Equifax is leaving these accounts on the credit report so they can make more money off of the negative reporting. This is not only wrong but very unethical and illegal. 
I have sent XXXX letters certified and the accounts are still showing. Attached are my documents and letters I have sent the credit bureaus. Please investigate and fine this company for violating my federal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Equifax allowed serval Fraudulent, accounts to be reported to.my credit reported .The information is over eight years old. The party 's doing the reporting. never a place of businesses serval times. They not Professionals, such.as.Lawerys, Judges, Names of each Credit Reporting Agent .XXXX XXXX, XXXX XXXX,

Company response to consumer: Closed with explanation