milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I received an email stating that XXXX had an data breach and that I need to contact all three credit bureau about disputing items off my credit report. The email gave me a link that I can click on and put my information in to see was I an victim of the breach data and it came back stating that my information was taking. Here are the following inquiries on my credit report that I have notified TransUnion about and they have transfer me over the Fraud Security department. I talk to an Supervisor and she stated that she could not remove the items off my credit report. Here is the information that I 'm disputing : 1. XXXX XXXX  XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX  XX/XX/XXXX 4. XXXX/XXXX XX/XX/XXXX 5. XXXX/XXXX  XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XX/XX/XXXX 9. XXXX XX/XX/XXXX 10. XXXX/XXXX XX/XX/XXXX 11. XXXX/XXXX XX/XX/XXXX 12.  XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX 14. XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I ordered my free annual credit report on XX/XX/XXXX. As a result, TransUnion posted an inquiry on my credit report ( listed as XXXX XXXX XXXX ) that has resulted in a hard inquiry being posted to all the free credit scoring agencies. Now my score has gone down. 

I contacted TransUnion for help, but they say it 's not their problem because they do not show it as a hard inquiry. They said the scoring agency needs to fix the problem. 

The scoring agencies get their information from TransUnion and said to contact TransUnion. It 's a no-win situation. 

I researched this and have found out that many customers have reported the same problem last year on the myFICO forum and have n't gotten any results in fixing the problem. 

I believe that TransUnion needs to address the problem since it originates from them. Please help. 

Thanks!

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 09/29/2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Other

Complaint: I found out I have a Judgement on my record. After looking into it and verifying this was mine I contacted Chase and followed the steps they told me I needed to follow to remove the Judgement. I settled and paid the agreed amount. Faxed them the paperwork they asked for and they said it would take up to 3 months to process and have it removed. That was about 5 months ago. I have contacted them twice and they said they would mail me the paperwork. I verified my mailing address both times and have yet to receive anything from them. How should I proceed?

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I 've been trying to dispute an account with this credit bureau since last year. After receiving a result letter from this bureau stating that I need to contact the collection agency that exactly what I did. I sent XXXX what I read as a " proof of claim '' letter and they responded with a contract that is hard to read the name is very blurry and illegible. The name on the contact saw a lady 's name of XXXX XXXX or whomever. See what I received in the attachment

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 06/30/2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Delinquent account

Complaint: Company continues to report incorrect and incomplete information despite multiple notifications of error. Company lists XXXX accounts as a charge-offs, closed by credit grantor, with a balance owed, although debt was discharged via bankruptcy in XXXX 2014. Have contacted Consumer Reporting Agencies following instructions on their websites, XXXX via certified mail, and supplied supporting documentation. Also contacted this creditor directly via certified mail. 

Requesting company to immediately report accounts correctly as discharged in bankruptcy, with no balance due, and recall monthly reports of charge-off for the period spanning XXXX 2014 to the present.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (MN).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On or about XXXX XXXX, XXXX, while checking my credit reports, I found a negative collection account in the amount of {$2100.00}, reported by DIVERSIFIED CONSULTANTS. The collection is reported that it was opened on XXXX/XXXX/XXXX and was reported as disputed. This information is false, as this account, with XXXX being the original creditor was being reported by XXXX XXXX, on XXXX/XXXX/XXXX. I disputed the account with XXXX XXXX, because I do not owe XXXX. DIVERSIFIED CONSULTANTS never sent notice of the debt or my right to dispute. 
On XXXX XXXX, XXXX, I sent DIVERSIFIED CONSULTANTS a letter via certified mail disputing the debt and asking for verification. The letter was delivered on XXXX XXXX, XXXX, as a return receipt was sent to me. DIVERSIFIED CONSULTANTS did not respond to the letter. 

On XXXX XXXX, XXXX, I sent DIVERSIFIED CONSULTANTS a second letter via certified mail disputing the debt and informing them that they were in violation of the FDCP and FCRA. The letter was delivered about XXXX XXXX, XXXX. DIVERSIFIED CONSULTANTS did not respond to this letter. 

On XXXX XXXX, XXXX, I sent DIVERSIFIED CONSULTANTS an email as well as a certified letter offering a settlement. I received an email response stating that the letter would be forwarded to the appropriate department. 

On XXXX XXXX, XXXX, I received a letter from DIVERSIFIED CONSULTANTS notifying me of the debt, with no validation. 

I have submitted copies of my letters to DIVERSIFIED CONSULTANTS, receipt that they have received the letters, as well as Receipt and Copy of letters sent to XXXX XXXX showing that DIVERSIFIED CONSULTANTS did not own the account in XXXX, as they report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/13/2017 about Consumer Loan (Installment loan) with Malen & Associates, p.c. (NY).
Issue: Problems when you are unable to pay

Complaint: I received this loan back in XXXX from the XXXX XXXX federal credit union. I had that the payments automaticaly deducted from my paycheck on a bi-weekly basis. As of XXXX XXXX, I was on medical XXXX and through the service of XXXX payments and XXXX Insurance from my loan, my loan payments were being covered. In XXXX, XXXX stop making payments to my loan and I was notified in XXXX XXXX that my loan was charged off by said credit union. Then around XXXX XXXX, I started getting consistent calls from a attorney with regards to the debt. I advised the attorney representative that the balance was disputed and I requested a clear history of all my payments from the time the loan was opened.. I received a copy of my contract with signed documents only nothing indicating my payment history of all payments made for the amount owed was disputed. I never received a response from the attorney. Today, my XXXX y/o was served a XXXX XXXX XXXX summons dated XX/XX/XXXX with no prior notification addressing my detailed payment history from the start of the loan which was opened in XXXX. The document states that I have 20 days to file an answer to the complaint or a judgement will be filed. The issue is asking for the documentation of my payment history and not receiving the require documentation. I have no problem making sufficent payment arrangements, but I was never given the opportunity to do so and the company already charged off my debt, reported on all XXXX credit reports..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-05-2017 about Other financial service (Credit repair) with Park View Credit (MI).
Issue: Fraud or scam

Complaint: i was tolled i would have a credit score of XXXX at the end of six months.by the Customer Support Specialist worked on my case. which she no longer works their.. in fact they lowered my score ... nothing changed. they keep disputing things that i was paying on like my car payment, my credit card, etc. they company is parkview credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Bridgecrest Acceptance Corporation (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have tried to resolve the issue of the payment posting date with Bridgecrest. They were paid prior to the posting date and have documents to show. They reported my payment 30 days late to the credit bureaus. I called numerous times and all they send me is a letter to show the debt is paid in full. They are not helpful what so ever. I still receive call to get people to come purchase cars. I reached out to their social media no resolution. it made my score drop considerably. I wrote a letter to explain how I have made on time payments and to please reconsider and still nothing. I see numerous complaints from the company and this is the very reason why I saved to get a better vehicle and a company that actually will try to listen. I see this is a common practice with them. I tried disputing with the credit bureaus but all they did was update the paid in full date the same as the delinquent date which makes no sense. They just updated comments and didn't bother to further investigate.

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 03/24/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I noticed while reviewing my mortgage statement with Ditech, XXXX XXXX XXXX, a line called 'Unapplied Amount '. I overpay my mortgage every month. Apparently, this company takes any additional money I mail in for my mortgage, and allocates it to a non-interest bearing account, where it sits indefinitely. Why would I mail money to a mortgage company that does not get applied to the mortgage? Their response is, " You did n't indicate what you wanted us to do with the money. '' What I want them to do is pay my mortgage. How is it legal that they can allocate the extra money I send for my mortgage into a non interest bearing account, make the minimum payment on my mortgage, and continue to charge interest on the remaining mortgage balance? 

The sole purpose of this 'scheme ' of not paying my mortgage with the money I send them is to extend the amount of time I spend paying the mortgage, and prevent me from paying it off early. Why would an account like 'unapplied amount ' even exist? Except to criminally hold my money, for no good reason, to prevent my mortgage balance from being paid down.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-01-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: 2 years ago, I started paying the loans for my wife. Since she was not paying for them, I offered to pay. However, to " qualify '' for a forbearance program, the loan company had to speak with either my wife or my mother ( cosigner ). My wife was unreachable at the time. The representative stated that my mom had to say " yes '' to the terms and conditions even though she does n't speak XXXX. At the time, I did n't think nothing of it and I just wanted to bring the loan current. Payments were set, from my account, automatic payments. However, the payments stopped. When I called regarding the payments, I was told that in order to continue taking payments, they needed to re-do another " contract '' and had to speak with either my mom or my wife. My wife was not available and my mom does not speak XXXX. After many calls offering to pay, they refused to do another forbearance plan. I was told by several supervisors that they have to do it over the phone and that my mom has to speak XXXX in order to do another plan. 
This refusal has been regarding a supposed California XXXX that prohibits them from making any changes to the loan if the borrower ( my mom ) does not speak XXXX. I have called more than 5 times asking the details of this " law '' but they have refused to tell me which XXXX is it. 
If in fact, there is a law prohibiting the loan company from making any changes to the terms and conditions due to the borrower 's lack of understanding XXXX, then, they have violated such law. 
I need to know what law is the XXXX they are referring, the specifics, so that I can file for violation of the law with the California XXXX XXXX. I feel that my mom and I, have been taken advantage of this predatory loan company. 
Any assistance will be greatly appreciated.

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. (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: XXXX XXXX is reporting an account in negative status. I have requested time and time again ( via disputing with EQUIFAX, XXXX and XXXX ) for the credit reporting agencies to conduct an investigation regarding the validity of this debt ( original signed contract, etc. ). However, the credit reporting agencies all claim that the debt is verified, but I have no documentation showing that I signed a contract for this card, or any proof corroborating their claim. Is it possible that the credit reporting agencies will provide me with this information ( if it 's available ) for verification of the debt? XXXX XXXX has not provided anything to me, nor has EQUIFAX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Vehicle loan or lease (Lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (NJ).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: In XXXX XXXX I started having financial troubles and as a result I fell behind on my payments with my car. I called Nissan Motor Acceptance and tried to set up arrangements to bring my account current. I was rudely told by the rep that " I should call back when I have the money '' It was also stated that not much help could be extended to me since this was a lease and the money was to be expected every month. 

XXXX XXXX, I was in a accident where the other car clipped the front end of my car and caused damage to the front bumper. I had to pay {$1000.00} deductible in order to get the car fixed. I tried to keep Nissan in the loop as much as possible. 

Any money I had I tried to put towards my past due balance. In XXXX XXXX the car was repossessed and I called Nissan trying to figure out what my next steps were. I was told that I had 15 days to come up with {$2500.00} or else the car would be sold at auction and I could participate in that. 

To date, I 've never received any Pre-repossession notices, post notices or notice of sale. 

As of XXXX XXXX, I had {$6300.00} remaining on my lease. After the fees from the repossession the balance became {$9800.00}. After doing a vin search I found out that the car was sold for {$12000.00}. 

Nissan Motor Acceptance has not followed certain rules under the Uniform Commercial Code. I was never given the opportunity to attend any private or public sale of the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax at every turns fails to provided accurate information on there credit file when we called XXXX they failed to give the correct information instead Equifax provided them with the information Equifax considers a screen shot that the have my name and information as they have the verified the information even though they are aware that there is fraud on my file I have provided them with as much information as I can and it is still not enough they just open a new dispute and refuse to remove the information unless it removed by the company that is paying them. they tell me to upload the information for a dispute but I can not do that and when I was able to they some how lost it. Equifax has the information via CFPB to remove this account there is not more verifying needed.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Someone used my social security number to steal food stamps from  The Department of Human Services. I was made to pay back with cash  when I had an income. The case number used at that time was  XXXX . This happened because of theft of my identity. My drivers license & social security card stolen. I 've since changed the spelling of my name to  XXXX   XXXX   XXXX . I actually receive food stamps, because I do n't have an income. My case number is  XXXX . The last car I had before it was stolen & totaled reported to the  XXXX  Police Impound lot. Was a  2012 .  XXXX   XXXX   XXXX  door. The vin number was  XXXX . The plate number was  XXXX . The title number is  XXXX . I paid cash for this car on  XXXX / XXXX / 2012  to  XXXX  on  XXXX   XXXX . The invoice number is  XXXX . I did not use credit, because I learned that I was n't able to do so. The  XXXX   Family  would take everything I applied for. Because they have a seven year fraud alert on my credit report. With the help of Attorney  XXXX   XXXX . The  XXXX   XXXX .  XXXX  used at that time was  XXXX  TN  XXXX . The title was mailed to that  XXXX   XXXX   . I  've had a  XXXX   XXXX   XXXX   XXXX . The  XXXX   XXXX  was  XXXX   XXXX   XXXX   XXXX   XXXX .  XXXX  Tennessee  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 03/31/2015 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (MA).
Issue: Taking out the loan or lease

Complaint: Please refer to my original complaint # XXXX filed in XXXX see your response to me on XXXX/XXXX/2015. Ally 's attorney reached an agreement that I would pay {$3100.00} and the payment would reflect settlement in full. The credit report as of Wednesday, XXXX XXXX, 2015 shows paid in settlement but {$34000.00} written off this is not correct, again they have the car which is the collateral balance so nothing should be show as written off once the settlement amount was sent to them through the courts the balance should reflect as paid and settled.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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 asked Equifax to conduct a proper investigation about a public record that is reporting on my credit report. I also have requested proof of where they have received the info. They responded that they received the info from a third party company vendor called  XXXX   XXXX . I contacted  XXXX   XXXX   XXXX  of   XXXX   and as of today 's date they do not have any records of Bankruptcy in their files. I submitted proof to Equifax and they come back saying they have verified the public record. This item is a unverifiable public record and should not be reporting on my credit file. I included the letter from  XXXX   XXXX  and the letter from Equifax. How can Equifax say they verified the info and I have proof that the public record is not in  XXXX   XXXX  database.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: CHASE BANK IS REFUSING TO ASSIST ME IN RESOLVING AN ISSUE WITH TEXT ALERTS. 
TEXT ALERTS ARE VERY IMPORTANT TO ME AS THEY KEEP ME UP TO DATE AND INFORMED ABOUT MY ACCOUNT. FURTHER, I WANT TEXT ALERTS SO THAT IF EVER THERE IS AN ISSUE WITH SUSPECTED FRAUD, AND IT IS NOT FRAUD, I WANT TO BE ABLE TO RESOLVE THAT QUICKLY, WITHOUT CALLING, SO I MAY CONTINUE TO USE MY CARD.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Debt collection (Medical debt) with The TRAF Group (DE).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XX/XX/2017 While looking over my recent credit report, I noticed that XXXX XXXX XXXX located at : XXXX XXXX XXXX # XXXX XXXX, NJ XXXX ( XXXX ) XXXX is reporting a collection account on my credit file in the amount of {$91.00}, yet they are not registered with the State of Delaware 's Division of Corporations to collect on a debt in Delaware.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation