milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: TransUnion claim to verified these accounts attached in this report yet have not sent Any Verifiable proof, or proof of their investigation procedures. According to FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) The CRA must give you all the relevant information it gets within five business days of  receipt, and must promptly give you additional relevant information provided by the consumer. If you dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files TransUnion is again violating the Fair Credit Reporting Act, 15 U.S.C. 1681, et  seq., and that CCB 's actions violated the Fair Debt Collection Practices Act, 15 U.S.C. 1692, as was pointed out in the lawsuit. XXXX v. Trans Union, LLC ( n.d.ill. 2004 ), I therefore  request a block of these accounts according to Section code 605B Block of information resulting from identity theft ( 15 U.S.C.1681c-2 )

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. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XXXX 2017 I was alerted by one of my credit monitoring programs that some new information had been added to my credit reports. When I logged onto the website, it showed that a collection account had been added by a company named XXXX XXXX in the amount of {$1800.00}. I immediately disputed this with all 3 credit buearu 's online and both XXXX and XXXX  deleted the account. Experian claimed they had verified the account. I spoke to customer service and asked them to provide me with documentation on how they verified the account according to FCRA 611 ( a ) ( 7 ), which is used for such a request, states : " A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. ". The representative stated that there was no law and they did not have to provide me with anything but he would enter in another dispute. The second dispute came back as being able to verify the account again. I contacted Experian and spoke to a representative and informed her of the situation and she agreed to enter another dispute and gave me the website address to upload documents to prove I paid the debt. I did this and waited. After a week or so, I was sent a letter stating the debt again had been verified and they will not delete the account. After that, I filed a complaint with the BBB and a representative from Experian named XXXX XXXX sent me a letter stating she that the account in question did not show on my credit report and she would be investigating the matter further. I tried contacting XXXX XXXX multiple times and she does not answer the telephone and I have left numerous messages. I have provided proof that this debt was paid in full ( I actually overpaid ) via copy of my grandmother 's credit card statement and Experian refuses to delete this account from my credit report. I have been denied credit based on this and my next step is to file a small claims action in order to get Experian to do the right thing and fix their mistake.

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 09/23/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: After Disputing my credit with Equfax by phone and on line the online report became unavailable. They continue to report multiple accounts it took 3 weeks to get them to send me a copy of my report by mail. They refuse to update my address information and are still reporting an address I have never had which ccould be associated with Idenity theft XXXX XXXX XXXX, XXXX Tx XXXX I have disuted this address several times. I never lived here or know how it has come to be on my report. They contine to report my student loans multiple times when I called the collection agencyes who they show to be reporting them I was told thet the reason they are showing up on my report is because Equifax is sending them repeated investigations ect but that they should have droped off after 30 days as they are no longer reporting them the loans have been discharged and I no longer owe them. They are reporting them 9 times.While there were only XXXX loans that have been completley dicharged. Also they have elected to now only report my negative credit and have erased all of good credit. which is only being reported by XXXX and XXXX. They wiped it off since 2013 when I last disputed my credit with them. Now because off their missreporting the amounts of inaccurate debts that were part of Identy theft XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX. They continue to report these account along with the collection agencey who continue to harrass me in regards to the stolen credit cards.By doubleing the accounts and in the case of the student loans trippleing the number of negative accounts tremendousley effecting my credit score. After contacting the above original creditors they have all told me they have no rights to the accounts they have long been sold and are not updating or any longer reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Capital Accounts, LLC (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This debt was reported to the credit bureaus. I 've attempted to resolve with the original creditor or credit agency. I 've kept close documentation and records of my communication and attempts to resolve the issue. I also filed a police report due to identy theft and some proven fraud accounts. The creditors, bureau agencies. Have stated the accounts were verified but have failed to send me and proof of validation, no proof of original signature showing my contractual obligations to the debt or accounts. The refuse to send me validation or any information regarding the accounts. The violated the law by not reporting the accounts disputed on my credit reports within the 30 day time frame. Also the information listed is either inaccurate, unverifiable, fraudulent or unfair. They did n't follow   XXXX   XXXX   compliance when reporting the accounts. Some Numbers and addresses are invorrect or incomplete. I want to be held accountable for accounts that are actually mine and correctly reporting.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2016 about Debt collection (Credit card) with LTD Financial Services, LP (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: HOW DO YOU LIKE THIS -- I REQUESTED MULTIPLE TIMES FOR LTD FINANCIAL SERVICES, INC. TO CONTACT ME.  I WAS ONLY ABLE TO SPEAK TO A HUMAN ONCE WHO GAVE ME HER EMAIL ADDRESS.  I SENT HER THE REQUESTED DOCUMENTATION AND NEVER HEARD FROM THEM AGAIN.  THE MONTHLY BILLS STOPPED ALSO.  TODAY, I KNOW WHY!!  I RECEIVED XXXX XXXX ON BEHALF OF MY XXXX MOTHER TOTALLY ALMOST $XXXX.  THIS IS CRAZY AND ABUSIVE AND A COMPLETE RACKET.  NOW WITH THE XXXX ALLOWANCE THESE COLLECTION AGENCIES ARE XXXX PEOPLE.  I REALLY REALLY NEED HELP.  THANK YOU.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-07-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: Reference Case # XXXX I received an explanation from this bank that did not satisfy my concerns, I never spoke with anyone although I reached out to the XXXX  office several times by phone. According to the person who reviewed the case in his comment to me he admitted that the bank was in error with their transactions which caused me to lose several hundreds of dollars and I will not pay for their mistake. I am getting several different scenarios of why my account was overdraft including there were not sufficient funds to transfer money so it never posted to the transferring acct. which is n't true, then I was told that it posted but did not have enough funds. 
Here is what I received from XXXX that I question : Please see attachments the concerns will be highlighted

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Debt collection (Other debt) with Franklin Collection Service, Inc. (DC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Franklin Collection Serv ices did not properly notify me of a debt for a few months. When I heard from them in  XXXX  I called them. They gave me the address to dispute the bill. They did not allow me to dispute the bill and send it to my credit report. They say they wo n't take this off my credit report even though this is not a valid debt of just {$29.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: In XXXX XXXX it was announced that Equifax Inc. systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. Not only did they wait over a month to relay this information because the hack was in XXXX they are not offering sufficient protection for the leak. They are offering 1 year of a credit protection service that after the year they will start billing you for without notice. In addition they charge if you would like to place a freeze on your credit. Other credit reporting sites are also making it harder to freeze your accounts by trying to sell you credit monitoring when you go to their sites to freeze your accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Credit reporting () with Midwest Recovery Systems (IN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I filed a dispute with XXXX weeks ago against Midwest recovery never had a pay day loan and I believe someone stole my identity. I 'm in the middle of a getting approved for a house and than this happens please help. It lowered my credit score by XXXX points and it 's not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2017 about Debt collection (Medical) with Medical Data Systems, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have never heard of this nor received any bill. Evidently this is the wrong account.

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 11/19/2017 about Debt collection (Mortgage debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX have alleged they were transferred servicing of this loan in XX/XX/XXXX.  I have vehemently disputed this debt since the alleged transfer and I have not made any payments or agreed to any terms to pay it. In XX/XX/XXXX, I sued XXXX XXXX referencing this alleged transferred loan to collect. XXXX XXXX will advise status of loan or communicate with me referencing the loan they 're alleging more than {$140000.00} past due. I 'm attaching statments and documents from XXXX to substantiate my claims.

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 09/24/2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I XXXX XXXX states a complaint to the Consumer Financial Protection Bureau on a very poor reinvestigation by one of the largest credit reporting agencies. Even though I showed proof that my education loans were always in deferment and that the balances were eventually taken over by another service agency, I have never made one payment ever to the FED Loan Servicing. This collection agency was only operating as a credit reporting process after the initial procurement of the student loans. The loans were financed privately. This negative reporting is causing me severe financial hardship. The same credit rating states PAYS AS AGREED, while showing an immediately 90-day late payment status while the debt obligations were deferred from payments. This is highly discriminatory. I am a professional XXXX woman and I find this type of credit reporting to be racially biased and I have zero chance of ever refinancing with this abusive rating process. All credit reporting agencies have a responsibility to maintain the strict standards of not only the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act, the Fair Debt Collection Practices Act, in addition to the high standards of equal rights protections such as the Equal Credit Opportunity Act. I believe that the Federal Trade Commission should have a full investigation on racial inequality when it comes to credit reporting processes and that all credit bureaus should maintain the sensitivity that is essential for fairness pertaining to matters of race. My previous complaint brought no action, even though the negative payment history must be deleted permanently. If I do not receive the proper reinvestigation by the credit bureau against XXXX. I will proceed a complaint with the attorney general of my state residency. This improper reporting process is causing me hard financial hardship that can only be understood by minorities such as myself trying to better their lives through education, and working several full time jobs and raise a family at the same time. My credit report needs to have the negative payment history purged permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (CA).
Issue: Application, originator, mortgage broker

Complaint: Hi! I called Quicken Loans to get some rates for a home mortgage refinance. They quoted me some rates for the 20 year loan that I was looking for. I have been very clear that I was shopping around for rates. The rates they gave me were worse than what I was getting from another lender. Then I decide to proceed with another lender who run my credit report and I see in that report that Quicken Loans has run my credit without my authorization or giving them any documents. 

This has adversely impacted my credit score and increased the cost of my refinance mortgage by {$3000.00}. 

Two days later I get documents in mail from Quicken Loans asking me to sign on the documents to proceed. This is when I have not agreed to proceed with them on the loan even. 

Pls help. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2015 about Bank account or service (Checking account) with FIRST NATIONAL BANK OF PENNSYLVANIA (PA).
Issue: Problems caused by my funds being low

Complaint: I started the weekend with my account at XXXX dollars. I had my rent come out on monday which was XXXX During the weekend I deposited money that I knew would not be available until tuesday. On tuesday the money was made available from my deposit. Also on tuesday my transactions from the weekend posted. According to my account history provided by the bank to me, Before any transactions posted I carried a balance of XXXX dollars. I had XXXX transactions post all of which were less than the amount of the deposit I made over the weekend. According to bank policy which was verified to me by the bank manager transactions post from large to small. therefore i had enough funds to cover all transactions, and my bank register confirmed so. However, I was charged with almost XXXX dollars in overdraft fees. Furthermore, I am having issues with getting more fees and dishonored payment fees because the banks original overdraft fees made me go into the negative almost XXXX dollars. The bank claims no refunds unless bank error. I argue that it is a bank error because i had the funds available to cover all transactions. I spoke with the teller and manager as well as customer service. I was hung up on by customer service when the issue was brought up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (NY).
Issue: Account opening, closing, or management

Complaint: I disputed a claim with chase. They did not properly verify the information and when it explained again with them viewing documentation they still denied the claim. My facts were based on a written contract that they were provided and I was told it is not there job to look at all the details. I dealt with XXXX from the disputes department. I will be reforwarding all the information again and this time I clearly have to circle the facts I was stating because chase did not properly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Real Time Resolutions, Inc. (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I have asked real time solutions several times to remove an account on my credit report that is showing open. This should be closed as it was after my bankruptcy discharge. This has affected my credit score and lending applications greatly.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I applied for a XXXX XXXX credit card and I was denied with a credit score of about 400/850. 

I requested a credit report from XXXX and it shows 2 accounts that are ( Responsibility : Individual ) and are both late 90+ days, along with this they are over balance. 

I DO NOT have accounts with XXXX XXXX or XXXX XXXX XXXX XXXX, and will contact my local Police station tomorrow to file a report of fraud/identity theft. 

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 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: IVE ATTACHED MY CREDIT REPORTS WERE THE FRAUD IS SHOWING, I HAVE FRAUDULENT NAMES, ADDRESSES, AND ACCOUNTS. ( FRAUDULENT ACCOUNTS, XXXX XXXX, XXXX, XXXX, XXXX, ( XXXX ) XXXX XXXX XXXX, CENTRAL FINCL, OPTIMUM OUT ). I ATTACHED MY DRIVER LICENSE TO SHOW YOU HOW MY NAME IS SPELLED AND MY ONLY ADDRESS PLEASE UPDATE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-09-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (ND).
Issue: Using a debit or ATM card

Complaint: I am a victim of identity theft and someone stole and used my Bank of America Checking Account : XXXX, Money Market Rewards Savings Account Ending In : XXXX and numerous debit cards linked to the checking account, from XX/XX/XXXX through XX/XX/XXXX to make fraudulent and unauthorized transactions on my checking account. Over {$30000.00} in fraudulent transactions has been made to my checking account. {$30000.00} was debited from checking account and my checking account was closed unbeknownst 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 monetary relief
Consumer complaint received 08/13/2015 about Debt collection (I do not know) with TD BANK US HOLDING COMPANY (CA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: My complaint is about XXXX XXXX XXXX - collection agency recently form in NY. 
This is a debt collection Agency who refuses to give me a physical address. Instead, all they gave me was a XXXX XXXX XXXX 
Their tactics have included : falsely identifying themselves as a lawyers office or a mediation firm. Additionally, they have threatened arrest and stated that someone from the Sherriff 's office would be coming by to arrest at XXXX. 
Additionally, they have restated back personal information to identify that they know " what car XXXX drive '', etc. 
Additionally, they have spoken with other members about the debt other than an immediate spouse. 
I have today filed a CEASE and DESIST letter with the agency. 
I have today spoken to the original debtor -TD Bank XXXX who apparently sold the debt to another company and who apparently sold the debt to XXXX XXXX XXXX XXXX XXXX XXXX. They state that they have begun to have complaints about this company and asked me to send them a copy of the Cease and Desist letter. 
The original debt was about {$150.00}. XXXX has asked as much as over {$1000.00} or threatened arrest. 
These people need to be shut down. 
I have contacted an attorney on a cursory level who informed me to submit a cease and desist letter.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (SC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In XXXX 2016 I got a collection notice from AFNI, responded back on XXXX XXXX, 2016 and another response On XXXX XXXX 2016 stating that i did not owe the XXXX I told them they need to validate the debt with the original debtor XXXX XXXX XXXX uverse because XXXX of the debt was for equipment that i returned via XXXX. I sent them the return receipt of the equipment and a proof of delivery, I called them I told them I would pay the XXXX from the XXXX told me they would get back with me and while i was waiting the reported the full amount to the credit Bureau 's So i called them back and they told me that XXXX XXXX XXXX XXXX never received the equipment, and I have sent them proof the equipment has been returned by a Proof of Delivery from XXXX

Company response to consumer: Closed with explanation