milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
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: PROBLEM CASE 1 XXXX The account was opened XX/XX/XXXX for amount of {$500.00}. The payment was paid in full and satisfactory to my creditor as per our agreement. I tried to resolve it for over 1 year. The credit reporting agencies keep on reporting it as Paid, was a charge-off despite that the account was paid in full not charge off ( SEE ATTACHED ). Over 1 year my creditor and I have try to inform the credit reporting agencies to make this correction without luck. The creditor sent a letter to confirm that I made full payment to the creditor to CFPB dated XX/XX/XXXX. See below detail Re : Your XXXX  Charge Account ending in XXXX XXXX XXXX Case : XXXX CFPB Case No. : XXXX The creditor agencies reported in my payment status as paid, charge off not paid in full as per attached letter from XXXX. Please can you step in to help me resolve this problem which over 3 years now. <P/>PROBLEM CASE 2 ( Length of credit history ) My credit report from XXXX XXXX XXXX XXXX open XX/XX/XXXX as per attachment is missing some of my credit transactions including my Mortgage for my first home in XX/XX/XXXXat XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. As a result, my credit report that has result in the credit length reduce over 19 years from 29 years+ to 10 years. The credit reporting agency need to fix the length of my credit history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My name is not XXXX. 
I never lived at XXXX, NY 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 non-monetary relief
Consumer complaint received 02/16/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: PORTFOLIO RECOVERY XXXX, VA XXXX, Reports All XXXX credit reporting companies false starting dates for debt REAGING XXXX XXXX XXXX, requested that they not contact me until the issue was resolved still calls

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: This debt was with XXXX I had XX/XX/XXXX. I became XXXX and lost my job so I could no longer pay this account. My bill was {$280.00}. I pulled my credit report bacause I want to try and fix what I can. I saw this account was sold to XXXX and now they reported that I opened this account XX/XX/XXXX which is false and that I owe them {$460.00}. It also resets the clock on this old debt and will stay on my credit report for another 7 years. This is wrong and affects me terribly.

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 08/31/2016 about Debt collection (Medical) with Credit Systems International, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: When I disputed with credit bureaus, they only responded that they are reporting the information that Credit Systems International is furnishing them. 
Credit Systems International is incorrectly reporting an account to the credit bureaus and has obviously ignored my letters and billing disputes. I have never had any negative accounts on my credit reports until this one and this account status is severely affecting my ability to be approved for credit - which is how I found out they are reporting this information in the first place. 

I have sent at least XXXX letters to XXXX and Credit Systems and have made numerous phone calls regarding the incorrect billing of my account. When I went in for XXXX, XXXX told me they were still on our insurance plan and I would be charged the same amount as I was for the previous XXXX. When I got the bill for approximately 4 times what I had been previously billed, I started making phone calls and sending letters. They eventually told me that they were not part of our insurance - even though before they did the xrays, they told me what I 'd be charged. This is very unfair. 

They finally accepted a payoff and agreed to remove the account from my credit reports when they received the payment. I also wrote on the back of the check that the amount was the final payment that we agreed on. 

They have violated several of my rights per FCBA Section 161 and FCRA Sections 616, 617, 621, and 623 : 1. They did not bill me as agreed. I immediately disputed this bill as soon as I received it, but they did not inform the credit bureaus of that when they first reported this account. Based on CFPB data, they have a pattern of billing incorrectly and not being able to validate what they 're billing for. 
2. They are reporting as a non-medical collection, when it should have been reported as a medical collection. I let them know this, they said they 'd correct it, but they did n't. XXXX, that refused to issue me credit is the one that informed me of this. 
3. They never told me they were going to report this to the credit bureaus. As far as I knew, they were still researching the amount I was charged. I only discovered they were reporting when I was denied credit. 
4. They agreed on a payoff and to remove the incorrect information from my credit reports, but still have not done so. 

The result I expect is for them to remove this incorrect reporting completely from all my credit reports, so that I do n't have to file a complaint with the FTC or a lawsuit. 

I 'm attaching a cancelled check as proof they agreed to remove this from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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 sent this company a dispute letter to dispute several INCORRECT AND INACCURATE pieces of information. I wrote them a letter dated XXXX XXXX, XXXX. Listed are all the inaccurate and incorrect information being reported including liens that I 've personally verified with the courts which have been removed from their records since last XXXX XXXX, XXXX. This proves how inaccurate and incorrect this company 's reporting is ; this also proves this company 's violation of FCRA. They did not conduct any investigation. Attached to this complaint is a copy of the letter I sent this company last XXXX XXXX, XXXX. Also, Another proof that this company did not investigate, there is a certain item on the account that I disputed and still remains as verified, correct and accurate. XXXX XXXX. If this company really did an investigation, I am interested to know how. According to XXXX : " XXXX XXXX  XXXX '' XXXX control is already out of business. So, I am quite surprised when this company claims they did an investigation and the item was verified. There is no assurance that this company really conducted an investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/28/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Note : I 've attempted this approach before, without resolution. I need better support. 

Navient ( formerly XXXX XXXX ) continues to maintain that I missed a payment several years ago. They continue to charge me late fees. I provided all documentation they requested, including bank statements going back five years -- all of which shows I am not behind on my payments. I have repeatedly requested someone with the proper authority to contact me to resolve this ; no one has done so. 

I have also repeatedly requested that my account be updated to reflect my status as a customer who is current with his loan payments ; that I be credited all late fees and unnecessary overpayments ; and that the company stop contacting me about what is the company 's error ( not mine ).

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I sent for credit report from all 3 major credit bureaus after receiving a notice from my auto insurance about my payment going up due to my credit report. I haven't purchased anything or applied for credit in years. Upon receipt of my credit reports I discovered that someone else has been obtaining credit cards, vehichles and apartments using my name. However on my credit reports, it listed more than one social security number which indeed wasn't mine, SEVERAL addresses in which not only have I never lived at, but also have never even been to, jobs that not only have I never worked at but also never heard of, my date of birth wrong and former names wrong. I have disputed open and closed accounts that were written off due to non payment to the credit bureaus as well as NUMEROUS inquiries for credit that I have NOT done nor even heard of most of them! I have filed police reports, been to my bank, went to my insurance agent, called some of the actual creditors, contacted Federal Trade Commission, contacted the XXXX XXXX XXXX XXXX who called me and told me to contact the Consumer Financial Protection Bureau, I still have to contact the Florida Division of Drivers License to put a flag on my drivers license. This whole ordeal has not only been stressful but time consuming with SEVERAL hours on the phone to creditors, banks, credit bureaus, etc. and emails, letters, and certified mail which is also costly. I just want to make sure I cover all of the bases in which I have been requested to do. I do believe by going through all of the proper channels and being diligent in getting this resolved and with my faith and trust in XXXX XXXX that this whole NIGHTMARE will be resolved. Any help or any assistance that your company or organization can offer will be greatly appreciated! I DO NOT have a bunch of credit cards I have not paid, I HAVE NOT lived in multiple places, I have lived at my current residence now for 17 YEARS!!! In that time, I have worked at one establisment which is no longer in business and I now am self employed and work from my home! In 17 years, I have applied for 2 vehichle loans and the last one was in 2007. I am not late on any of my current bills and haven't been in 17 years! I have 1 HOME and am making mortgage payments on it and I have 1 HUSBAND and is the only spouse that should be on my reports!!! I have 1 SOCIAL SECURITY number and in my name now and it hasn't changed for 17 years!!!! I just want all of my CORRECT information on my credit reports and for all of the other to be REMOVED!!! Sincerely,  XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-06-2017 about Payday loan, title loan, or personal loan (Title loan) with WELLS FARGO & COMPANY (TX).
Issue: Was approved for a loan, but didn't receive money

Complaint: Will first of all I tryed getting a loans but they consume that I could n't get it so know I see that I have bad report ungesst me that 's not right for this people be doing me like this and someone been using my identity to get loans and banks I 'm tried of this already please help me fix this problem.thanks you.

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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Navient fails to properly send me emails about my loans and informs me about repayment options and deadlines. Even when a process of repayment get thru, they cancel it a few months later, without notice and notified me, then come back with an higher payment with underlining treats to report me to credit bureau or garnishing entities. They do send emails to mandate me to pay but no email informing me of my rights under the federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Debt collection (Auto) with Constar Financial Services, LLC (FL).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Dear Debt Collector : I will like for you to cease and desists all communication with me, both written and verbal. 
You are now the XXXX or XXXX company that has contacted me regarding this a debt with XXXX. I have several vehicles with XXXX all in good standings. The vehicle in question was involved in a rollover accident and the insurance paid the claim. I have provided the information multiple times and consider this matter closed. 
I asked him to stop calling me and he became hostile. I asked for him to do some research and he told me it was my burden of proof. I explained to XXXX XXXX that I had already provided this information multiple times and it seems that they stop for a little while and then someone else starts calling. 
You are also calling my CELL PHONE and you do not have the right or the permission or my consent to call me at this number. XXXX called me multiple times XXXX at XXXX and again at XXXX pm on XXXX/XXXX/16. Is this harassment?

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 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Around on or about XX/XX/XXXX, I received a phone call from a collection representative by XXXX XXXX, he advised me he was calling from XXXX - XXXX XXXX XXXX XXXX XXXX. about a debt with XXXX ( XXXX ) XXXX XXXX. I advised him that I never lived at the residence he was speaking about and stated that this was fraud. After the call, I checked my credit report only to see that a judgment had been entered against me on XX/XX/XXXXin the amount of {$2300.00}, in XXXX District Court. I called back immediately, and spoke with another representative, in which, I provided him with this information as well as the reference number XXXX XXXX. A few days ago, I received a credit alert upon checking, it shows that this company has put this on my credit report with the dollar amount of {$4000.00} and the account was supposedly, opened onXX/XX/XXXX.
I called again on XX/XX/XXXX, and spoke with XXXX XXXX  again, once again, I provided him with the same information and asked him why they put this on my credit report and the amount and opening date of this account is wrong. I asked him how can you put an account on a person credit report with wrong information. He said that I need to fill out some paperwork and I did n't so therefore, they had the right to do so. The paperwork is about fraud because, I told him that this account was n't mines. I am still trying to get this matter straightened out. However, I want them to remove this account from my credit report since, it is already showing the account has a judgment. I want to know how, they can change the amount from the judgment entered by the same company. Please investigate this company!

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 03/17/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: TransUnion shows on my credit report the amount {$860.00} past due to XXXX University. I have spoken with multiple people at XXXX and they all tell me I do n't owe any more money to the school and my accounts were paid in full XXXX of 2015. 
Trans Union is ruining my life and since their website is garbage, I ca n't file a complaint there.

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 11/30/2015 about Payday loan () with COMMUNITY CHOICE FINANCIAL, INC. (TX).
Issue: Charged bank acct wrong day or amt

Complaint: Lenders charge caused bank charges and overdraft ... after I ran into difficulty making my full payment due to my Daughter being ill..Every two weeks when I got payed I called and made arrangements to pay down balance on loan..which I have been doing since XXXX ... but at the middle of the week before my pay day..an unauthorized draft was sent to my bank ...

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Debt collection (Medical debt) with Stanislaus Credit Control Service, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Stanislaus Credit Control Services reported {$450.00} on my credit without sending me any communication. I was never informed that this money I have to pay. I did n't even receive verification of debt which I requested. They did n't even inform me, all they did is reported to my credit report. So I called them and requested them its wrong I may dispute it later by I want this off my credit report. So they asked me to fax a letter which I did n't on XX/XX/XXXX but they still did n't fax me any proof. So I am not even sure if I owe this money and if I do I still need complete proof of service. I would like to request why did they report it without informing me. So I like this to be deleted from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (DE).
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: My name is XXXX XXXX, I have been writing and sending certified letters to XXXX XXXX XXXX XXXX XXXX in regards to a credit card ; the company is claiming there is an account that they claim to be charged off in the amount XXXX XXXX.This account in negatively reporting on my credit reports. I previously disputed this account on two separate occasions. Not only that this company has yet to mark my credit report as disputed and I set out the first dispute letter XX/XX/XXXX. This is not my account, the debt collector 's has not been able to validate the account. The company responded to my first letter by sending out statements but nothing bearing my signature. They have yet to respond to me second letter sent certified mail XX/XX/XXXX. This account should be removed from my records since it was clear that I did not create this account. Nor can they provide me proof that I signed any legal document with my signature binding me to a contract with this company.The account in question # XXXX the whole account number is n't reported as well. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/26/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Closing/Cancelling account

Complaint: I called XXXX Bank to remove as an authorizied user thats effecting my credit for XXXX dollars of over utilization .Please have them take off this account thats dragging down my credit score only this XXXX account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Debt collection (Medical) with Vision Financial Services, Inc. (IN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have had XXXX and have been covered fully since 2012. I have faxed proof, contacted several times and it never gets resolved but is continuing destroying my credit score.

Company response to consumer: Untimely response
Consumer complaint received 08/29/2016 about Credit reporting () with EQUIFAX, INC. (KS).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I had a state tax lean put on my credit file with Equifax. I got notified of the public record, because I moved and never got the notice. After tracking down the source, it was a system error, they released the lean and I filed it with the record of deeds. Equifax reported it paid/released. I was then told after looking into it again it would be removed. The other XXXX agencies removed, but Equifax says they verified it. Using the information on the report, they could not even find a lean for me, so therefore they did not verify it with the information they provide me. Telling them this, they offer to dispute it again, giving the same result. How did they verify using the information provided, information that I cant verify using information supplied by report. I want it removed as it should of been a long time ago

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Im filing a complaint about the Equifax data breach.

Company response to consumer: Closed with explanation