milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/14/2015 about Credit reporting () with EQUIFAX, INC. (MS).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I would like for Equifax to take this mortgage off of my credit file. I had my attorney review my credit report and he was the one who discovered the XXXX XXXX as the creditor for this mortgage on my credit file. I do not have a mortgage nor have I ever had a mortgage, take this information off of my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
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 disputed the accuracy of 4 public records listed on my credit report in XXXX 2017 with Transunion, XXXX, and XXXX. All 3 companies reported back to me that the information was verified and to check with the creditor reporting the items. I contacted the listed Courts for all 4 public records to get information about their verification process and they informed me that they do not and did not supply public record informaiton to credit bureaus and did not verify any information with any credit reporting companies. I then contacted all 3 credit bureaus again and requested the manner of verification, specifically asking for names and phone numbers of the individuals that verified the information. As well I informed them of the information that I received from the Courts. Transunion responded that the information was verified. XXXX responded that they received the information from a third party - XXXX XXXX. XXXX did not respond to my letter. 

Through these actions the 3 credit bureaus are committing fraud by reporting information that is not accurate. XXXX has admitted to it by saying that they received the information from XXXX XXXX. They have not updated by credit file to reflect that information. 

I have a right under the FCRA to have accurate information reported at all times and to have inaccurate information removed immediately. I am now going to file small claims actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/14/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have inquiries on my credit that do not belong to me and I have disputed these multiple times with the credit bureaus ( XXXX, Experian, XXXX ). I submitted a police report, FTC report and letter XXXX times and they refuse to remove these in violation of section 605B. Under this section, all disputed account must be blocked within 4 business days and require a full investigation. I have never disputed these inquiries before ; therefore, they can not be considered frivolous. This is my last resort before I send an intent to sue. I am a victim of identity theft and these inquiries are the result of someone else using my information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/19/2015 about Debt collection (I do not know) with FC HoldCo LLC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Reached out to them however, never got a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Flagship Credit '' on XXXX via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Debt collection (Medical) with Strategic Alliances, Inc. (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I received a call Monday around XXXX that I have medical debt of {$610.00} dollars that was owed to XXXX XXXX XXXX XXXX from 2013 that I was never made aware of. Since Monday, this company First Financial Investment Funds ( First Financial Asset Management ) has called everyday 8 times a day. They keep calling after I asked them to not call me again. I asked them on Tuesday to send me a bill in the mail at which point I will pay my debts, however I would not be doing so over the phone. Representatives are very rude and do not sound like legitimate company representatives. The reps will not let you get off of the phone with them and it 's always the same people who pick up the phone.

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 01/31/2017 about Debt collection (Payday loan) with Access Financial LLC (ID).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: An employee named " XXXX '' began contacting me while I was at work. I asked him many times to not contact me there because I could lose my job, due to the thirty calls he had made the previous day to my employer. He advised me that my work was a XXXX number and he has the right to continue to call over and over and over until he gets payment. This has carried on over the past three weeks and it has went way past them trying to collect a debt. XXXX calls and trys to trick other employees, acting as if he is a customer trying to place a take-out order, and requests that I, XXXX XXXX help him. As soon as I get on the phone, XXXX begins his harassing tone. I have advised him that he can call my personal cell in order to discuss the account NOT my place of employment. He is calling other workers and lying to them, saying that he just spoke to me etc. which in fact, he had not. He tells everyone whom answers the phone that they are liars when they inform him that I am not there. They hang up and he just calls right back over and over. He has been informed many times that this was a work number and I might lose my job. I also sent them a Cease all communications form ( I am working with a debt consolidator called XXXX ). The emailed response that I received stated because XXXX works for " XXXX '' and he is not an outside party, he can call me anywhere at anytime to collect this debt. I have lost my job due to " excessive personal phone calls ''.

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 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ability Recovery Services, LLC (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: COMPANY : XXXX XXXX XXXX HAS BEEN REPORTING DUPLICATION ON SAME ACCOUNT ON MY CREDIT REPORT. I HAVE NEVER HEARD OF THIS PROBLEM TILL IT SHOWED UP ON MY CREDIT REPORT I HAVE NEVER RECEIVED MAIL OR KNOW OF THE EVENT THAT TOOK PLACE ( XXXX  AND XXXX  XXXX ) HAS ALREADY TOOK IT OF MY CREDIT REPORT JUST SEEING IF YOU WILL DO THE SAME THANK YOU SO MUCH BECAUSE THEIR FOUNDING INCORRECT

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with MERCANTILE ADJUSTMENT BUREAU, LLC (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: For three weeks I have received daily calls from XXXX, XXXX XXXX at Mercantile Adjustment Bureau asking for XXXX XXXX regarding debt collection, including calls on Sunday morning. I am not XXXX XXXX and do not know XXXX. 

Last week I made XXXX call daily to this agency explaining that the number in their database was wrong and that XXXX XXXX was not at this number. I was told that my number would be removed from their database, but I continue to receive calls, again even during church on Sunday morning.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Seterus, Inc. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to apply for a modification for over XXXX months. I ran in to some hard times with my job, but things were improving and I wanted to try to modify my mortgage and keep my home. My attorney 's office was helping me with this process and called on a weekly basis to make sure all documents needed were received and to follow the progress of the process. At XXXX point they were told I was all but approved, Seterus was just waiting for the figures of what my trial payments were going to be to come back from XXXX. It turns out the person at Seterus who was handling my file was no longer with the company so my file sat on her desk for a month or more after XXXX approval, so in their system it appeared that I never " accepted '' the modification offer so Seterus had to " resubmit '' my modification file. All of this took over XXXX months, and in the meantime my house was set to go up for foreclosure auction. This was a scary time for me, and I did n't know if I should call movers to get my belongings or wait for Seterus to work my file. The sale date ended up being put off at the last minute, literally the day before my house was supposed to sell. My file has since been resubmitted for modification review and approval. My attorney 's office is trying to get the figures that Seterus is using to see if I would be approved or denied and Seterus ca n't ( or wo n't ) provide that information. I will send in a copy of a letter they submitted to Seterus that will give you more details on how Seterus has failed at properly servicing me as a client. They have taken a process that they said should take XXXX days, and made it take more than XXXX months - and it still is n't resolved. I want to be able to keep my home, and am willing to discuss modification or repayment plans, but any time we call we only get people who are customer service rep types, and not anyone who can actually discuss anything further than reading notes from their system. I would like for myself or my attorney to actually be able to speak with someone who can assist with my account, and helping me get a modification so I can begin repaying my mortgage payments and keep my home. Please help me if you can.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Debt collection (Payday loan) with National Credit Adjusters, LLC (AL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Plain green loans broken fair debt collection practices. And trick me into this loan with unjustifiable interests. They keep sending different amount to transunion credit when I check my credit report falsely accusing me of owing then XXXX and then XXXX this pay day lender slash loan sharks. XXXX. But now sold debt to XXXX, KS XXXX XXXX XXXX XXXX National credit adjusters XXXX XXXX XXXX and to mention this trying to collect a debt through a email. And never have they validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have several accounts that were investigated and removed from my TransUnion Credit report. The problem I am encountering at this present time is item that was remove are appear back on my report. 
XXXX. XXXX XXXX XXXX. BRCLYSBANKDE XXXX. XXXX XXXX XXXX XXXX My recent credit score went down XXXX point this week.

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 10/14/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Thank you for taking the time to review my file and to help me with this matter of dealing with Midland Credit Management. To date, Midland has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. As of this year Midland has had to pay close to XXXX XXXX dollars in fines and penalties due to their unlawful business procedures which violate the consumer 's rights. Their illegal actions have caused XXXX consumer 's credit files to be tainted with negative remarks which includes myself. Please remove Midland Credit Management from my file so that I can restore my credit and good name back to where it once was. I thank you one again for your time and I look forward to having Midland Credit Management removed from my credit file. 

In XXXX I opened an account with XXXX XXXX Bank with a Credit Limit XXXX. I began receiving numerous threatening and harassing phone calls and the representatives were all giving me different amounts. My balance was less that XXXX by the time it was sold to Midland Credit Management. They have added XXXX cents worth of fees. Illegal by Washington State Law XXXX Prohibited practices. Further As of XXXX XXXX, the U.S. Consumer Financial Protection Bureau ( CFPB ) database listed more than XXXX complaints about Encore Capital Group. Consumers complaining about Encore allege : Continued attempts to collect debt that the consumer did not owe Threats to take legal action False statements or misrepresentations Refusing to provide information to enable the consumer to verify the debt. 

The Better Business Bureau says it has closed XXXX complaints about Midland Credit Management from XXXX XXXX to XXXX XXXX, including XXXX closed in the last 12 months of the period. A majority of the complaints ( XXXX ) were about " billing / collection issues. " A " closed '' complaint is one in which the company has responded to the BBB sufficiently. It does not mean the complaining consumer is satisfied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/19/2016 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: This complaint is against Equifax I have contact Equifax on a number of occasions of an abnormality with my credit report. It appears that XXXX different credit profiles switch back and fourth. XXXX profile showing none of my active accounts and the other showing all my accounts. 
I spoke with an FCRA attorney, the term is called " split '' profile. Meaning, I will see XXXX credit report, creditors will see another ( or in my case XXXX ). For a number a months I have disputed this requesting Equifax to fix this - however, I will get the same automated response by them sending me a new report with no new information updated or stating that the information I am disputing are not reflecting on my credit report. 
I have attached the XXXX credit reports that reflect what I am speaking of. 

This irregularity has caused me not to be granted credit - not able to see what is going on with my credit report and dispute its inaccurate information. 
There are a number of inquiries on my credit report that I did not authorized - I have already contacted each credit granting company on my report with no resolution - and I keep getting denied by Equifax and not showing proof that I authorized those inquiries. 

I would like to add, according to the FCRA attorney these mistakes that Equifax has caused me calls for compensation for my time and effort and violations that they have caused for not fully reporting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Consumer Loan (Vehicle loan) with World Omni Financial Corp. (NC).
Issue: Managing the loan or lease

Complaint: The company I work for purchased several radio stations from a company selling off all it 's inventory. Included with that sale was a XXXX pickup truck. During closing, the main focus was on all the regulatory paperwork with the FCC, XXXX and other companies regarding the radio stations and transmitters, and the XXXX was over looked until it was time to re-register and re-title the truck in the new companies name. At that time, it was noticed that we only had a copy of the title, and not the original. We worked with a previous XXXX of the company to get the required title paperwork willed out and notarized. However, the truck was originally financed through World Omni Finical Corp., and was paid off XX/XX/2008. I have tried over a dozen times to contact World Omni Finical to get a letter stating that the truck is paid for and they have no further interest in it. All I get for the several hours on hold is the run-around, with out anything ever happening. We currently have a bill of sale, a copy of the title showing it was paid off in XX/XX/2008, current insurance in our name, and a partially filled out and notarized replacement title request. The only thing holding us up in getting the title transferred is a letter from the previous lien holder ( World Omni Finical Corp ), releasing all claim to the truck. 

I am asking for help in getting World Omni Finicial Corp to produce this letter, so they are not longer preventing us from using our own truck!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-10-2017 about Debt collection (Medical) with I.C. System, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had an XXXX done and I was under XXXX help in the state of NJ. XXXX hospital in NJ. The hospital knew that I was unemployed at the time because of my XXXX XXXX having gone through XXXX different XXXX in under 1.5 years. And yet they sent me to a XXXX who was outside of the XXXX network who of course billed me after the procedure was complete. 
The Hospital knew that the procedure was imperitive and yet they chose to send to a doctor who was outside of their network. Though I had asked them repeatedly about sending to a doctor inside of their network so I 'd be protected under the state XXXX program and insurance. Now i have an outstanding debt on my collections for the amount of about $ {$1700.00} and it is affecting my credit ratings. Please advice me as I do n't know how to move forward to have this taken off my credit records. Thank you for your assistance. My email is ( XXXXXXXXXXXX ). Name : 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 10/19/2016 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: First, the reported credit limit is incorrect. My credit limit was {$35000.00} yet it is being reported as only {$18000.00}, making it appear I used more than 100 % of the available credit, which is harming my credit score. Worse yet, in response to my dispute letters, XXXX retaliated. Specifically, XXXX reported to XXXX that this debt was a mortgage as opposed to a credit card. XXXX did this with the intent to destroy my credit score and prevent me from getting a mortgage. XXXX 's retaliatory behavior is criminal. There must be laws against this sort of retaliation.

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 04/29/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (OH).
Issue: Settlement process and costs

Complaint: I have my original mortgage ( XXXX ) contract which states " once I reach 80 % of my original contract amount, I may terminate my PMI '' My original mortgage company was XXXX went out of business & sold all of their loans ( including mine ) to Ocwen loans. It has been a nightmare since I have been with Ocwen ( Ocwen bought my loan in XXXX ' XXXX ). Ocwen had sent me a letter of cancellation of PMI and its requirements. I met all of its requirements and they told me I need a new appraisal of the current value of the house. I got the newer appraisal ( XXXX ) Even though the original contract states 80 % of the original value ( {$130.00} ) they ( Ocwen ) denied my cancellation. My new value is {$100000.00} and they are not going by the original value. I have sent a copy to Ocwen of my original contract and a copy of there letter, which both state the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Debt collection (Credit card) with Second Round Limited Partnership (NH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Made an settlement agreement and not honoring it. Either honor it or forgive the rest. Also Please do this as well. 

They have failed to verify the information that I am asking for when I contact the bureaus. I am writing to advise you that you are inaccurately reporting information to the credit agencies regarding the above account. You are in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et. seq. - see specifically FCRA 1681s-2, " Responsibilities of furnishers of information to consumer reporting agencies '' ). 

I hereby dispute your information in its entirety and request supporting documentation that substantiates the information you have furnished to the Credit Agencies. 

Please note, I am not requesting a verification that you have my mailing address ; rather, I am requesting validation in the form of some competent evidence that I had some contractual obligation associated with this trade line.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Debt collection (Medical) with Phoenix Financial Services LLC (TX).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX Phoenix Financial Service LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis companys try to collect money from me, i dont have debt with this cmpanys they call me and sent letters form a medical bill

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation