milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Hi, This account was settled between us and the landlord outside of court, and was never supposed to be entered into the court system at all. We went in front of a majestrate and came to a mutual agreement and settled. And since then had paid a long time ago. Its been a long time now, and I got a email saying that I have an update to my credit report and when I went in it said that I have a public record on my credit report. 
I wrote them a letter requesting that they send me some information back validating all this information and never received anything back. That was months ago. 
Also I 've called the court a few times, and they said that they do not know why it was ever entered into the system and they would fix it, and again that never happened. And now its appearing on my credit report. 
The court has said multiple times to us that there is no reason for it to have been entered and it must have been a mistake for some reason. But it makes no sense why out of the blue its being put on my credit report. 
I can not afford to have this on my credit report, I have been trying so hard to build up my credit for years now, just to have it knocked down by something that I am not even responsible for. 
Please can you help me? I do not know what else to do? 
I also tried to contact my prior landlord at least 10 times now, and nothing. No return call. 
Ive left messages at his business, and on his cell phone that I had the number from years back. I do not know if thats the same number, but at the business they said many times he would call back. And he never does. 
I can not wait any longer on this. This is not fair at all to me, I did everything that I needed to do to fix that and have no idea why this is happening. 
Please again I just beg that you will be able to assist me with this. This is the last place that I can turn to. No one else responds, or does what they state that they will do, and take this off of my credit report. 

Also it is only showing up on Transunion so far, but they always just come back with that it is my account and is valid. Anytime I have ever needed help for anything to do with my credit report Transunion is never helpful. Its like they do not even look into anything and just automatically say it belongs to me. So I know that it will go to them, but I ask that it can be overlooked by you guys since they really do not seem to do anything when I ask for any help with anything. Besides kind of blow me off. 
Thank you so much for taking the time to read and respond to this message. 
I really appreciate it very much! 
Sincerely, 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 01-04-2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: This morning I checked my bank account and found that you, Seterus, Inc. had attempted to have funds sent to you from my bank account, without my permission or my knowledge. I never gave you permission to withdraw any funds, much less XXXX from my account, by inference or either verbally or in writing directly! I also do not have any outstanding automatic payments with you, so you have forged a funds transfer document to the bank implying that they have my permission to withdraw these funds from my account! I called the bank and put a stop on that for {$30.00}! I believe what you attempted to do would be considered theft or fraud by deception. I have heard that this is a common tactic by your company and have done this to numerous people throughout the country! 
On XX/XX/2015 I called you, as my mortgage lein holder, concerning my outstanding payments and a letter I received about escrow payments. I had previously made a partial payment for XX/XX/XXXX and had made no payment in regards to XX/XX/XXXX. I spoke with a customer service lady by the name of XXXX XXXX and explained to her that I retired XX/XX/2015 and had yet to receive any of my expected monies since retiring. I also explained that I expected to have money within the next week or so. She said I needed to make a payment in order to avoid penalties and bad credit reporting. I explained that I had nothing to make a payment with. She said she needed to have me talk with an account specialist in regards to my late monies. So she transferred me to a gentleman by the name of XXXX. 
I spoke with XXXX and explained my financial situation to him as well. He said he needed to have a payment by XX/XX/XXXX so that I would avoid late penalties and bad credit reporting. I told him that I did n't have money available until I received some of my retirement funds and I did n't want to promise a payment when I did n't know for sure when I 'd have the money to actually pay it. He verified my personal information as well as my banking information and said he 'd put me down for a payment for XX/XX/XXXX and would call me if the funds were n't paid at that time. At that time I thought nothing more of it than the usual keeping track of outstanding loan holder 's information. I never heard anything else from him. 
As I stated previously, you have attempted to get funds from my bank account by alleging that you had my permission to do so, as you have purportedly done to others. You do not, have not, nor will you ever, have permission to enter any of my personal accounts. I want my {$30.00} back for the stop payment fee!

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/16/2017 about Payday loan, title loan, or personal loan (Installment loan) with Conn's, Inc. (TN).
Issue: Problem when making payments

Complaint: I have has this over a year almost 2, I can not get into there site for exact dates, because every time I try to access it there site refuses to let me in. 
the issue is that I was promised and guaranteed a loan for a XXXX smart tv, when a new store opened in my area, I was told that the price would be {$1400.00} interest free @ a payment of {$49.00} per month. THAT never happened. XXXX XXXX @ check out they had added over {$900.00} in add ons like protection service, warranty service and insurance incase of theft. I dealt with them for 7 hours to get most removed except the thief DESPITE the fact that I showed proof of renters insurance.. 
when it finally go time to go they had jacked up the payment 's to {$85.00} per month only 12 months free interest. There excuse was that credit declined the prop rate. despite me having a letter I hand that guaranteed ME the TV of $ XXXXXXXXXXXX per month. I should have left but I was without a tv. Being XXXX from a XXXX the wore me down and I think took advantage of me. 

the last time I was able to get into there system I had already made payment 's of between XXXX to XXXX dollars, YET they are showing that I still own over {$1600.00}. 

the bill is due on the XXXX of month and not late until the XXXX, is which when I always make my payment 's. YET they are showing on all 3 credit files that I have payed the bill several months late 3 or 4. I have sent then e mail after e mail about this, I have threatened several time to report them to you, the comptroller of the currency the state consumers protection agency 's. THEY last reply WAS GO AHEAD they ALL will side with US as YOU are wrong and we are CORRECT we dont make mistakes. 

SO what do I do now??? I can not get into there system Again so I can not pay my XXXX dollar payment. Last month it took over XXXX XXXX mails to them to get access, I re set the account wrote down all the access inform AND once again I can not get in the account. They do this so that they can XXXX and pillage customers. 

I need help with this, matter They need to be forced to honor there store opening promotion and guarantee. 

they need to be forced to remove all negative information form the credit files as there madness has causes 3 or my credit cards to cut y limits by XXXX 's of dollars my credit score had decreased between 30 to 45 points. 

I live on {$1100.00} per month ssd from a level XXXX XXXX. my rent is {$540.00} add utilities etc I have to decide to eat or freeze. 

There name Conns fits them quite well as they are conn XXXX. I have founds XXXX 's oc complaints about them doing this in every market they have stores in. 

I truly believe that the XXXX XXXX store on XXXX XXXX XXXX took major advantage of me one they figured out that I was XXXX and a us XXXX vet. 

the account number is XXXX there address is conns p.o box XXXX XXXX  texas XXXX my name is XXXX o XXXX my address is XXXX XXXX p.o. box XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan servicing, payments, escrow account

Complaint: My husband and I applied for a modification with Wells Fargo. We began making trial payments in XXXX XXXX. Each month, I would overnight a check from my personal checking account ( signature required at delivery ), to the lawyer representing the bank. The amount was deducted within a few days after the check was received by the bank 's lawyer. We were in the trial modification for 6 months when we found out that the modification was approved. My lawyer, my husband, and myself filled out the appropriate forms and attached the binding check. The check that was sent was to be applied to the XXXX XXXX, XXXX payment. I sent all papers and the check via XXXX the same day. The XXXX XXXX, XXXX payment was not deposited or credited to mortgage loan. I sent XXXX XXXX, XXXX payment the following month, and it was credited to the mortgage loan. Every month, the payment was credited to the loan, EXCEPT XXXX XXXX 's payment. I verified this by monitoring which personal checks were being debited from my personal checking account. My lawyer contacted the bank 's lawyer multiple times to question the missing check, but they did not give us an answer. Every month I would receive a notice form Wells Fargo saying that I was delinquent ONE payment. Finally, when the trial payments were finished and the modification was final, I pushed to have the bank lawyer find out where that XXXX XXXX payment was. I was concerned that the check was lost and this would affect my credit, and interest on the missing payment. The activity report that I am attaching to this complaint clearly shows a consistent pattern that each month the payment was deposited to the mortgage account on the XXXX, except for XXXX XXXX. But in XXXX XXXX, 6 months after the check was sent to the bank lawyer, a second payment is credited to the mortgage account in the amount of the XXXX/XXXX/XXXX payment. I verified that it was the missing check. When this was brought to their attention, they agreed to take off the late fees for the months that the mortgage account was behind, even though I made EVERY payment that was asked of me through the entire process. But there are still fees that are assessed to my loan/escrow account and my credit was affected for those 6 months of which I paid on time. If needed, I can supply each month 's check ( copy ), USPS receipt for each check that was sent ( that required a signature upon delivery ), proof of date that each check was deposited, and proof of when each check was deducted from my personal checking account. The XXXX/XXXX/XXXX check was not deposited until 6 months after it was sent.

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 08/14/2015 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: They have my spouse name listed as XXXX, this is not correct. Also iam listed as living @ XXXX XXXX co. XXXX. Also incorrect. Also XXXX addresses with similar address, XXXX. co. XXXX this address is correct, the other XXXX similar addreses are not.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Compnany Equifax was negligent in his handling and security of critical financial data, leading to compromise that will likely affect nearly all adult Americans for the duration of their life or until current credit standards are changed.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Credit decision / Underwriting

Complaint: Initiated a mortgage application on XXXX XXXX, 2016 With Bank of America. 
Learned there was a problem on XXXX XXXX. 
Was verbally denied on XXXX XXXX. 
Selling realtor complained and asked that my case be escalated on XXXX XXXX. I agreed. Told I would not be charged for the appraisal. 
XXXX XXXX was told by a manager that my case would be reviewed and I would have an answer by COB XXXX XXXX or morning of XXXX XXXX. No answer either day. On XX/XX/XXXX, I asked if my mortgage had been accepted or denied. Again, verbally denied, but nothing in writing. This has precluded me from pursuing a superior lender. Horrible experience that wasted my time. I should have been denied up front, not weeks into the process.

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 11/23/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Can not retrieve my credit reportsuspect my Fathers son has used his social security number

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 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: There is an account on my credit report that was opened by someone else not myself. I do not know who that was as I never gave anyone permission to open accounts. I went to the police department and they gave me a police report to help me with resolving this account. I have provided this infomoration to equifax and have asked them to provide me all information and documentation on this account from the source so I can provide it to my investigator but they do not give me any such information and just keep verifying the account as mine. I know this is not what they should be doing. I know they are not even contacting the source and providing them with my police report and circumstances of my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: Credit line increase/decrease

Complaint: I 'm Filing This Complaint Against Wells Fargo AFTER Being Denied A Third Time, I REPEAT A Third Time For A C.L.I. On A Card I 've Had For 3 Years. I 've Been A WF Customer For OVER 4 Years, My Card Began As A Secured Card, And I Was Told That When It Became UN-Secured, I Would Receive A Limit Increase, because My Payments Were Automated ; And It NEVER Happened. My Card Has Now Been UN-Secured For OVER A Year Now, And In The Time Since, I 've Gotten XXXX OTHER Cards, XXXX With TWICE The Limit Of My WF Card, XXXX Of Which Has A Limit 7x The Limit Of My WF Card. The Other Of Which Has Received XXXX Limit Increases AND Is Currently OVER THREE TIMES The Limit Of My WF Card. ONLY XXXX Of The Cards Has A Utilization Of More Than 30 %, And My WF Card Has Carried A XXXX Balance For Approximately 3 Months & Counted. I Also Purchased A Car with NO MONEY Down, NO INTEREST, NO PAYMENT For 60 Days AT 5 % APR. My Take Home In 2016 Exceeded My Expenses by Over {$1100.00} Monthly, And I 've NEVER Missed A Single Payment, On ANY Of My Accounts. Wells Fargo DOES NOT CARE ABOUT THEIR CUSTOMERS AT ALL. They Have ZERO INTEREST IN HELPING THEIR CUSTOMERS DEVELOP A FINANCIAL FOUNDATION, Retaining Current Customers OR Gaining Future Business. I Had EVERY Intention On Opening A Business Account With WF, But That Is NO MORE. I ONLY Bank w/ Wells Fargo Out Of SHEER Convenience, because Both Of My Little Sisters Have Accounts, And It 's Easy To Transfer Funds. However, AS SOON AS I Restructure My Business, We Will ALL Be Moving Over To XXXX BANK. WF Has THE WORST Customer Service I 've EVER Experienced, And Some Of The MOST ill-advised People I 've Ever Had The Dis-Pleasure Of Speaking With Inside Their Branches. I CAN NOT Wait To Change Banks.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Dear Sir or Madam, I received an alert from my credit monitoring service about an hour ago. When I open the alert, it states " US BANK '' has view my credit report via XXXX. The first thing I did was call US BANK, the representative told me they do n't handle these requests. She also mentioned that I call XXXX. Twenty minutes later, I call XXXX and they give me the same garbage answer, call US BANK. Why are they both pointing fingers at each other? US BANK and XXXX are at fault for not authenticating or verifying my identity before they pull my credit. This is a huge flaw! Please remove the hard inquiry placed on X/XX/17 immediately. I did not authorize this request. <P/>Thank you for your time! <P/>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 04-12-2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (MO).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I reported my card as lost or stollen, bank closed my card and issued me another one, but debited all disputed transactions back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-05-2017 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: Account information incorrect

Complaint: XXXX XXXX Violation of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4 XXXX XXXX reported 9 separate accounts with late payments to Experian, XXXX, and XXXX. I disputed these accounts with the credit bureaus on XX/XX/XXXX and again on XX/XX/XXXX and all disputes came back as 'verified '. I sent a letter to XXXX XXXX on XX/XX/XXXX and another on XX/XX/XXXX, asking for an investigation of said accounts. By law, they had 30 days to respond to me. To this date, I have received no replies from XXXX XXXX, yet the derogatory accounts are still listed on my reports. 

Please see attached letters that I sent to the credit bureaus and to 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 11/21/2015 about Debt collection (I do not know) with Kenneth, Eisen & Associates, Ltd. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I use to have XXXX, I cancelled them because I sold my house and moved to where they do n't offer service. I returned all my equipment to XXXX store and was told to wait for my final bill to reflect the equipment being returned. I never received any final bill, I even had mail forwarding on. A month later I received a letter from a collections agency named Kenneth, Eisen & Associates, Ltd. I contacted them and told them that I had not received my final bill and the guy said it was sent over to them. I asked him if it would go on my credit and he stated since I paid it immediately in full that it will not go on my credit. Here its years later and its affecting my buying my house.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: cra violation sent police report and all inaccurate information XXXX pd number 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 10-07-2016 about Debt collection (Non-federal student loan) with TFC Credit Corporation of California (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have a student loan for a XXXX school that went to collections. TFC Corp closed the account and transferred it to XXXX XXXX for collection and I am paying XXXX payments. However Tfc still shows I owe them as does XXXX for the same loan on my credit report. I told XXXX I can not owe both for the same loan and they say when I pay them off tfc will then say my debt to them is clear. I think they are actually the same people in reality. I can only get voicemail at tfc and they will not call me back. How do I even know when I pay XXXX off that tfc wo n't say but you still owe us? I ca n't owe both for the same loan, it shows I owe double the loan amount on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2018 about Credit card or prepaid card (General-purpose prepaid card) with SYNCHRONY FINANCIAL (OH).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: Synchrony falsely advertises my home card can be used at XXXX XXXX. I went to XXXX XXXX in XXXX ohii and the card would not work. I spoke to a supervisor on XX/XX/XXXX from synchrony who told myself and XXXX from XXXX XXXX that I should be able to use the card by XX/XX/XXXX. I went back today and the card still would not work. They are fraudently advertising my synchrony home can be used at XXXX XXXX. Then they are lying to XXXX  and myself stating that the card will work by 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