milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-11-2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Despite 2 written requests, unverified accounts still remain on my credit report. The bureau stated in their responses that the accounts were listed as valid, however failed to send me the documentation that they used to verify the accounts as I requested in my letters of dispute. The company has ignored my request which is clear evidence of their disregard for Federal Law. Section 611 ( 5 ) ( A ) of the FCRA states they are required to promptly delete all information that can not be verified. I am requesting deletion of these unverified accounts. The law is very clear as to Civil liability and the remedy available to me ( Section 616 & 617 ) If the bureau fails to comply with Federal Law, I will have no other choice but to pursue litigating this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (IL).
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 XXXX/XXXX/XXXX I initiated a public record investigation with LexisNexis. I received a response dated XXXX/XXXX/XXXX stating that LexisNexis removed the item in question from their report but as of this day LexisNexis is still reporting this item to the credit reporting agencies that they report to XXXX # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Consumer Loan (Vehicle loan) with EXETER FINANCE CORP. (OK).
Issue: Managing the loan or lease

Complaint: Please accept as addendum to XXXX # XXXX. I previously submitted a complaint regarding my payment history over the life of an auto loan with Exeter Finance Corp. The complaint was submitted to Exeter Finance by CFPB on XX/XX/XXXX. The substance of my complaint regards conversations with Exeter Finance XXXX employees providing me inaccurate information regarding the loan - particularly on XXXX occasions I applied to defer XXXX payment each to the end of the loan however Exeter XXXX 's state each Deferment represented XXXX payments each. When provided the Deferment information I disagreed with the info and both Exeter XXXX 's then stated my account was past due for the previous or XXXX previous months which is also inaccurate - the XXXX 's both confirmed payments were paid as agreed for the previous and preceding month for each Deferment but continued to insist their information was valid by stating the account was past due for some other month which was also incorrect. 
In addition when I purchased and signed the XXXX in XX/XX/XXXX the financing arrangements were made by the dealership and I was quoted an interest rate of 20.99 %. The cost of the vehicle I purchased was {$12000.00} - the amount financed for the vehicle was {$10000.00} - I paid {$500.00} down in cash and traded in a XXXX XXXX XXXX in good condition. I was not told by the dealership the value of my trade-in. As of XX/XX/XXXX I have paid XXXX total payments. At the end of the loan I will have paid {$15000.00} and with the final XXXX ( XXXX ) payments due to pay the loan in full the interest rate is actually 50 % - not 20.99 % as stated in the XXXX On XX/XX/XXXX I spoke with an off-shore XXXX XXXX who stated if a payment is " late '' the full payment is applied to " interest '' - not the loan itself which does NOT explain a 50 % interest rate charged from XX/XX/XXXX until the date of the first late payment on XX/XX/XXXX. 
In addition both the Dealer and Exeter Finance Corp were aware the vehicle - XX/XX/XXXX XXXX XXXX - was a salvage title vehicle or ineligible for resale due to a malfunction of the vehicle 's passenger side airbag that was the subject of a XXXX recall in XX/XX/XXXX. I was not informed of the serious nature of the vehicle 's airbag status because I have never been provided title to the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Debt collection (Other debt) with International Computer Systems, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX say that I owe them XXXX places on XX/XX/2016 for a dept from XXXX   XXXX. I never owed XXXX XXXX for that amount and when I tried talking to them they would never tell me what the dept was for and how it came about.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 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: I h ad two studen t loans from  XXXX   XXXX  which were serviced by  XXXX . In  XXXX   XXXX  i filed chapter  XXXX  bankruptcy receiving a discharge in  XXXX   XXXX . From that point forward,  XXXX  has made a breve of errors in reporting both student loans incorrectly. I have made ove r 15 disputes fr om contacting them directly and filing disputes through each credit reporting agency. However the problem continued to persist. I have been extremely clear in the accuracy of reporting these items and provided  XXXX   XXXX  guidelines when disputing.     I am aware that the student loans were not dischargable in my bankruptcy but my complaint is based on t he Credit Reporting.       XXXX , and each bureau, have violated Fair Credit Reporting Act,  US Bankruptcy Code, Fair Debt Collections Practices Act and state law in California called the Rosenthal Act by failing to appropriately report AND investigate my complaint . By  XXXX  continuing to report my balance as charged off and not included in the bankruptcy, they effectively reported my tradeline incorrectly.     Furthermore, I continued to pay my loans as best as I could and in  XXXX  I settled both loans with  XXXX  by offering a payment amount less than the full balance, whereby they accepted both offers. Both payments were issued and the debt had been settled, however, these trade lines continued to show the account being Charged off with a balance.     After 6 months of additiona disputes and conversations,  XXXX  indicated they would revise their reporting to indicate my balance owed as {$0.00}, and contain comment/remark to state the " acct settle for less then full balance '' The tradelines as of today, continue to report Incorrectly and have been damaging my credit. Federal law poses insurmountable hurdles to bring  a private Right of action  for these continued violations whereby creditors would be statutorly fined at least {$1000.00} per month each tradeline failed to be cor correct after notice. Therefore, the Government has placed a protective shield around these servicers whom continuously violate my consumer rights.     Over 2 years since I 've settled and paid for these loans,  XXXX  continues to damage my credit because they simply refuse too.     Please get this corrected and allow me to sue  XXXX  for its willful behavior.

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 06/21/2016 about Debt collection (Medical) with STONELEIGH RECOVERY ASSOCIATES, LLC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: On XXXX XXXX, 2016 i received a notice from Stoneleigh Recovery Associates alleging that i owe a debt to XXXX XXXX Medical Center i advised them in writing that i previously disputed that debt with the original creditor XXXX XXXX Medical Center and the debt was canceled and removed from their records as a result of identity theft also under the Fair and Accurate Credit Transactions Act. I continued to received phone calls from the debt collector threatening me about paying this debt that was previously satisfied and deleted under the Fair and Accurate Credit Transactions Act.

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 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have several inquiries on all three major credit bureaus that I did not authorize. On XX/XX/XXXX I contacted XXXX XXXX via phone to inquire about their requirements for financing a vehicle and specifically asked if a soft pull could be done just to see if it would be worth applying. The rep assured me that there would be no hit ( hard inquiry ) to my credit. I asked several times and was repeatedly told that there would be no hard inquiry. I then received notification alerts of several inquiries to my credit reports from them as well as a few other financial institutions that they sent my information to all without my consent and the rep blatantly lying to me. I contacted them to have the issue resolved and was told that they would not help me. 

On XX/XX/XXXX and XX/XX/XXXX ( XXXX XXXX XXXX ) my daughter was shopping for a car at XXXX XXXX XXXX and asked about financing and was told she may need a co-signer. Again, I asked if a soft pull could be initiated just to see if it would be worth trying because I was sure that I would not qualify and did not want to have any more inquiries and again I was lied to and ended up receiving notifications from 8 financial institutions and I wasnt even present again at this dealership. They financed her without the need of a co-signer so I am confused as to why they lied about the soft pull and ran my credit without the need to. I contacted them and was offered nothing more than an apology. 

As I was looking at my report I noticed a couple other inquiries that I did not authorize and I have contacted the companies as well as the credit bureaus and they all have refused to remove them. The following inquires were made without my consent : Experian : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX 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 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: In XX/XX/XXXX, I became very ill and had to take a leave of absence from my job and move in with my family so they could help care for me. I called American Express to notify them of this sudden change in my life to see if I could work out a payment plan with them. I had automatic payments set up to take care of the remaining balance over a period of 6 months. 

I was surprised to receive a letter in XX/XX/XXXX informing me that my account had been closed due to non-payment. The customer service representative I had spoken to originally had not marked my account for graduated payments or set up the automatic debit as agreed. I ended up taking care of the remaining balance, but American Express would not re-open my account or take ownership for their CSR 's mistake.

To this day, my credit report states that my account is somehow still open, but that it was also closed on XX/XX/XXXX. My credit report also inaccurately shows that my account was 120 days late between XX/XX/XXXX - XX/XX/XXXX. I was on a payment plan at that time, made every payment on time, and met all the requirements of that payment plan by XX/XX/XXXX,  so there is no reason for that to be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2016 about Student loan (Non-federal student loan) with Weltman, Weinberg & Reis Co., L.P.A. (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Over a year and a half ago we started the process of buying a home. Our mortgage guy sent us to a credit repair co. They got the collection account from Weltman , Weinberg & Reis taken off my credit, because it was unverifiable. Now it is back on my credit. I have credit reports showing the trade line on and then off and now today it is currently on my report. When I called to verify the account with WW & R they sent me a heavily redacted letter verifying absolutely nothing. I would like this unverifiable account taken off my credit and removed permanently. This should not be a loan I have to pay for if there is no verification that it is my debt. Attached are the credit reports and the letter of verification that was sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2017 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (UT).
Issue: Application, originator, mortgage broker

Complaint: Why was my Account Disabled?

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was late in paying a statement balance. The next day I paid the full " statement balance '' not the current balance. I was charged a fee and interest ... .no problem. the next billing cycle I was charged interest again even though that statement balance was paid on time. When I called Chase XXXX. I was told by XXXX different employees that this was the correct fee but they would try and waive it. I finally spoke to the super. and they admitted it was a mistake and they removed the fee. she said the " interest was not suppressed even though I had paid the full statement balance. I suspect the computer algorithm is erroneously charging many other Chase customers.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I am unable to view and or dispute anything online through Experian. They wont let me do anything unless if i mail them and pay them or wait on hold for hours on end

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 05/28/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NJ).
Issue: Managing the loan or lease

Complaint: I have a car loan and I had a accident with the car and the injurance gave me the check for the damage to send to the bank were the bank deposit the check into my loan. Then they took the money back to pay the repair shop since then the amount on my loan is not correct and I contact the bank and they hang up the phone on me and last time I spoke with someone on chat the person did n't want listen I try to explain that the loan since they did the deposit with the accident check is off XXXX and monthly payment is no longer same.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with PAYPAL HOLDINGS INC. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I receive several calls " everyday '' in the morning and in the evening from this debt collection company. It has been going on for several months now. I want it to stop! Here are more numbers that they use. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: As per my last discussion with XXXX, in regards to my last CFPB complaint i was advised there was nothing else that could be done on Discover 's end and i would have to address my concerns with XXXX, Therefore I spent an hour with XXXX, to be referred back to Discover in regard to this issue, as they were unable to locate any collections filed against me, nor have a process for customers to dispute the way they 're fido score is reporting with as credit card benefit. As I trust there is truly no issues with my XXXX  credit report, I am still determined there is an unresolved issue on Discover 's end with the reporting of the Fico score. I have contacted Fico in which i was instructed to have the files matched to reflect each other correctly. I tried to bring this up to their attention, I was assured there is no process in which this could be done. As i understand my last request was in regards to the APR request being declined due the " suppose '' information being reported on my credit file. I am beyond this request as not i do n't feel its fair practices as a customer to receive this benefit, however it being in accurate information. I understand Discover does n't know whats being reported and is only given the information from their third party. However I feel there should be a process for them to ensure the Fico score they are providing me is correct and they are just not taking their third party " assurance '' it correct. The last time I contacted discover, I provided them with a copy of my credit report for their review, when in reality i was turned away to received the run around for information Discover is only able to see.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
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: XXXX Website does not allow you to upload supporting documentation into the dispute section, it deliberately will kick you out of the website before you have a chance to upload. This is Fraud and Racketeering is what they are doing. It needs to stop. They are affecting millions of families and their credit with their anti-trust violations that they repeatedly keep getting away with. They are reporting false information on my personal report, and refuse to allow me to dispute this. Along with Transunion and 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 10/26/2015 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (IA).
Issue: Account opening, closing, or management

Complaint: My wife and I needed a chipped credit card for overseas travel. Our bank did n't issue chipped cards, therefore, we went to Wells Fargo since they did. We worked with the " branch manager '', XXXX XXXX, to apply for the credit card and to open an account and get chipped debit cards as well. 

Online he discovered that I had an old Wells Fargo credit card from XXXX that needed to be canceled before we could get the new credit card account. Since I quit using the account decades ago I no longer had a card for it. He was n't sure how it would be handled but said he would apply for the new card and see what happens. 

A week or so later we received a new chipped credit card as well as the new debit cards. I called XXXX because I was n't sure if the new credit card was for the old account or the new account. It was a relevant issue because a benefit of the new account was medical insurance for refund in the event we purchased plane tickets for a future flight but unable to use the tickets due to health. He assured me it was the right one. XXXX further satisfied my need for assurance by emailing a copy of the written benefits that included flight insurance ( page XXXX in the attachment dated XXXX ). 

As months went by my wife ( XXXX ) got a medical condition that prevented us from taking the XXXX, 2015 flight. We canceled the flight and began the process for refund for out plane tickets. Wells Fargo denied our request, saying it was not covered under that credit card. XXXX acted surprised and said he would pursue resolution from 'his end '' but I never heard anything from his actions. I contested the findings but never heard anything from them again. I wrote an email letter to XXXX ( See attachment XXXX ) and summarized the whole experience in that email and asked him pointed questions but never received any response aside from him saying he forwarded my email. In further emails I tried to get him to state if he agreed with my explanation plus other pointed questions but he never answered a single question. He would n't respond in emails any longer. XXXX and I went to his office and he remained vague and non-committing on all issues. 

I did everything I could be expected to do. Especially by working with the branch manager, how much better can you get than that? Even to the extent of questioning the branch manager and receiving his assurance that what he said was correct. 

They sold one thing but claimed it was something else when the time came for handling a claim.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/2017 a balance of {$1700.00} from XXXX XXXX XXXX appeared on my Equifax credit report. I am challenging Equifax to verify this account per Section 609 of the Fair Credit Reporting Act.This is a consumer disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the credit bureaus and the creditors to provide the credit bureau a copy of the original creditors documentation. Whatever I filled out and signed upon opening the account with the reporting creditors.

Company response to consumer: Closed with explanation