milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have unauthorized " INQUIRES '' on my credit report and I wrote to the creditor 's explaining to them that I did not authorize these inquires and that I am a victim of ID theft. The creditor 's never contacted me back and never removed the information from my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Billing disputes

Complaint: American express reported 30 day late payment on my credit report for XXXX 2015 and XXXX 2015, when I actually paid for both months on time and in full balance. I requested amex to delete these inaccurate payments but got several auto generated letter stating that it was not their fault. Even after they sent me statements for the month of XXXX which showed a credit of {$38.00} so no payment was due at that time due to the fact that i overpaid the account. For the month of XXXX I made XXXX payments, only XXXX was posted on XXXX which is way before the due date for the month, the XXXX payment was lost by them and was not credited to my account till a couple of months later SEE ATTACHED STATEMENTS SHOWING PAYMENTS RECEIVED ON TIME AND SEE ATTACHE PROOF OF PAYMENTS MADE TO AMEX AND REMOVE THE WRONGFUL LATES REPORTED FOR XXXX AND XXXX OF 2015 IMMEDIATELY!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-06-2017 about Mortgage (Other mortgage) with Specialized Loan Servicing LLC (UT).
Issue: Loan modification,collection,foreclosure

Complaint: I am a short sale negotiator for this loan, which is in bankruptcy and they are required to only have that department speak with me. And so the problem is that vendor is not answering their phones or calling to give updates on the file. An appraisal was completed over 3 weeks ago and there has still has not been a response. I have also requested in writing for the name of the investor and they have not responded or provided me with that information as well. There could be foreclosure sale and we would have no idea.

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 05/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have XXXX credit cars with XXXX XXXX XXXX, XXXX is a XXXX, the other a XXXX. Both are current, with a {$24.00} balance on the XXXX, and a {$0.00} balance on the XXXX. TransUnion is showing that I have a card with XXXX XXXX numbered XXXX ( it does not list the last XXXX digits ) with a balance of {$720.00} that is over 120 days past due. This is not my card. I have notified TransUnion. I called XXXX XXXX to notify them, as well. XXXX XXXX says they will need 90 days to investigate, and that I need to deal with it through TransUnion, as it is their error, not XXXX XXXX 's. The XXXX XXXX employees speak English very poorly, and communicating verbally with them is difficult. They provide no email address to which one may send electronic correspondence. The entire thing reeks of a scam.

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 12-02-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I subscribe to a credit monitoring agency XXXX I was alerted that a credit bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX has flagged my account as collections. I do not owe any amounts or bills that are past due and recently had a credit score of XXXX and XXXX. I contacted the company XXXX and asked why this is on my report. i was told the information was erroneous reported and however they can not remove it form my report at this time. I asked them for a letter stating the information error but they refused to help in any way and told me they would not put anything in writing. the employee XXXX XXXX on XXXX/XXXX/2016 said she felt it would not hurt me but i have nothing in writing showing it was an error and their mistake. I also contacted the manager XXXX XXXX on XXXX/XXXX/2016 and he agreed it would be removed. I believe this company has done detrimental damage to my credit report for no reason at all due to their mistake and erroneously reporting.

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 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Address XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, GA XXXX This not my address, I never live here. Can you please remove this from my credit report 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 03/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I noticed I had late payments on my XXXX XXXX XXXX after reviewing my credit report for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This is not correct.

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 08-04-2016 about Debt collection (Credit card) with Resurgent Capital Services L.P. (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: LVNV XXXX SC XXXX boughht a credit card dbt that is out of statutes and list on credit records as if it was current. It list the accrued interest as a current principal balance. It states a card was opened in the amount odf {$3600.00} and no such amount was ever contracted. Presently, it reports a present balance of {$4400.00}. This is inaccurate and unfair credit reporting and collection tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have send this credit bureau several letters and filed over several complaints that has been ignored over and again for several inquiries that are showing on my credit file that they maintain under my social security number. I even send my complaint certified with tracking number XXXX. I am aware that under XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXXCal.XX/XX/XXXX ), they maybe liable for willful non-compliance. The inquiries are still on my credit report and I have also send a letter to the creditors reporting these inquiries and the credit bureau has refused to remove these. 
1. XXXX XXXX -XX/XX/XXXX XXXX. XXXX XXXX-XX/XX/XXXX 3. XXXX XXXX XXXX-XX/XX/XXXX 4. XXXX XXXX XXXX  -XX/XX/XXXX The above noted allegations of inquiry is one that LACKS demonstrated evidence of physically verifiable proof of Permissible Purpose or PROOF of Metro 2 COMPLIANCE, as REQUIRED! As such, I am in my consumer rights to demand and compel you to DELETE IMMEDIATELY! The above listed ALLEGATION of INQUIRY is NOT currently reporting COMPLIANTLY due to one or more of the following reasons to include but not necessarily limited to at least that The claim ( s ) are DEFICIENT of VERIFIABLE PHYSICAL PROOF of adequately and lawfully acquired PERMISSIBLE PURPOSE OR THE ACCUSATION is UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT PROVEN of MY RESPONSIBILITY, or else wise DEFICIENT of Metro 2 compliance in LAWFUL REPORTING. That said, it is CLEAR you have NO OPTIONS other than the COMPLETE and IMMEDIATE ANNULMENT by full DELETION/REMOVAL of any and all such physically UNCERTIFICATED information, regardless if true or not. PROOF OF COMPLIANCE is NOT a VOLUNTARY mandate but rather a REQUISITE for you or ANY ENTITY to RETAIN much less REPORT. I demanded that the credit bureau Return to federally required compliance and accurate reporting TODAY, even RIGHT NOW!! But they refused. The inquiries are still reporting on my credit report even after sending a letter of complaint to the creditors regarding these inquiries and still the credit bureau refused to remove them after claiming these are a factual record of file access.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Credit card () with Blatt, Hasenmiller, Leibsker & Moore, LLC (IN).
Issue: Closing/Cancelling account

Complaint: Debt buyer submitted only affadavit and no other proof of ownership

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 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: Information belongs to someone else

Complaint: I 've disputed several accounts with Experian and even provided police report and ID Theft affidavit to help resolve the issue and Experian has refused to address the matter. They have failed to verify to accounts 100 percent and have only relied on an automated process. The following accounts are a result of ID Theft : 1. XXXX XXXX XXXX # XXXX 2. XXXX XXXX # XXXX 3 XXXX 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 04/21/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Hello, on  XXXX   XXXX ,    2017 I mailed a letter ( included  in attachments ) to Equifax via certified mailing receipt #  XXXX  ( included in attachments ) which they received via confirmation from the United States Postal Service website on   XX/XX/17 @  XXXX . Upon reviewing my credit file, I noticed there had been no action taken on my file in regards to my request, therefore I reached out to Equifax @ today and spoke with a representative. I initially contacted Equifax @  XXXX  and got the representative at  XXXX   XXXX . EST.   After speaking with the representative, and him stating that he did n't show that they had received a letter from me, according to him, he searched his system high and low, I asked to speak with their Consumer Affairs Department.     After being transferred b y one o f the representatives on  XX/XX/17    @  XXXX     XXXX   I  spoke with  XXXX   XXXX  refused to give a last name ) in the Consumer Affairs Department, stated he was a supervisor. I advised him I do n't see that they have initiated anything from my request on  X/XX/17    and received in their office on  X/XX/17    at  XXXX .   Per representative and  XXXX  they do n't show they have received my documents in their office. I spoke with  XXXX  and advised that at this point they have violated the FCRA in which they have failed to initiate my dispute within the 5 days required and they have failed to send results of dispute within 30 days, therefore I told him the y need to delete a ll accounts I listed on my letter. Per  XXXX  he could see that there were  XXXX  disputes on the  XXXX   XXXX   XXXX  account that were started but nothing was done with them. I asked him how this could be if they " stated '' they never received the letter. I asked if he could provide me the date this " fantom dispute was initiated '', however he was unable to provide that information, stating he could n't see the dates that this was done. He stated they would n't remove the accounts but I could forward him a copy of my letter and they could initate the dispute at this time. I advised him that this violates the FCRA and they would be subject to legal action. He refused to delete this information though they made an error. I advised him that the letter reached their office, what they did with it after it got to them was not my problem.   I have included my initial letter, my certified receipt and proof the letter was received in their office.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Vehicle loan or lease (Lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (FL).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: Since XX/XX/XXXX my auto loan with them was paid from my business account automatically every month. In XX/XX/XXXX, XXXX XXXX, somehow, could not withdraw the funds for two months form the account that they always withdrawn before. At the time I was traveling to XXXX XX/XX/XXXX through XX/XX/XXXX and I realize the problem after I looed at my mail and immediately I made payments and I re establish the bank account so they can get paid on time. I spoke to them about the problem and expressed the question to them why it happened all I get was that my payment was returned. At the time of the incident the business account had sufficient funds but they couldnt get it so I established anoether account with much less funds in it the it worked??? Because of their technical difficulty now they have reported me as I am late and I suffer from low credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: In the process of reviewing my credit report and taking care of any old debt, I have tried multiple times to resolve an old account with Midland Credit Management originally held by XXXX Bank ( XXXX ) from 4 years ago. I never received specific merchandise ordered or it was either lost/stolen. I requested that the lost merchandise be removed from my account. It was not. I have never received acknowledgement for a credit. Instead, the account was written off by XXXX XXXX now Bluestem ) and transferred to XXXX, who continued to bill for the merchandise and charge interest even though I requested a credit in 2013. I once again disputed the amount owed and tried to resolve the matter. Once I contacted them, XXXX began contacting me at my employer with letters and calls despite my requests to stop. They also continue to ignore my request to provide a full accounting of merchandise ordered. The only thing I receive is an invoice with an amount due. I am already in a class action suit for XXXX 's poor collection practices. I believe the continued barrage of calls and letters is because any settlement monies I receive, XXXX go to amounts XXXX claims I owe, which I dispute. I work for a law firm, so the continued letters and calls caused an issue with my employer. After continued requests to remove the amount billed for the unreceived merchandise, I am now receiving a barrage of letters to my home, and still no response to my dispute or any offer to settle the matter I have also attempted to resolve direct with XXXX, who refers me back to XXXX XXXX. XXXX 's collection practice, I believe is a violation of fair debt. I want to resolve this matter, but have been unsuccessful and the charges continue to increase.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CREDIT ACCEPTANCE CORPORATION (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX HAS A JUDGEMENT IAMPAYING OFF. THERE WAS A THREE WAY CALL PLACED AND THIER REPRESENTATIVE AGREED UPON A BALACE OWED [ {$2800.00} NOT $ XXXX SHOWING UP ONLINE PAYMENTS ] WITH A CREDIT REPORT OF POSSITIVE OR NUETRAL TO CREDIT REPORTING AGENCIES. I NEED TO MAKE PAYMENTS ONLINE DUE TO E BEENING XXXX AND IN SEVER NEED FOR A XXXX VAN.CAN I GET THIS LAWYERS/ACCOUNTING COMPANY DISS BARRED FOR ANTI-TRUST ISSUES OF NOT REFLECTING TUE BALANCE?

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 11/28/2016 about Credit card () with WELLS FARGO & COMPANY (NY).
Issue: Billing disputes

Complaint: I knew I would not have enough money to pay off my credit card and my monthly rent, so I made a payment to my Wells Fargo credit card for nearly 4 times the minimum due payment. This payment was from my Wells Fargo checking account. The very next day Wells Fargo decided to auto-draft a payment of {$1000.00} from my checking account. I cancelled the auto-draft a month earlier, specifically because they kept on taking huge chunks of money from my checking account. The auto-draft came out of my checking account, which only had XXXX dollars in it, so they then charged me a {$35.00} fee. So now I 've got a XXXX plus XXXX dollar debt on my checking account. Then had the nerve to tell me that they did me a favor by completing the auto-draft transaction -- which is why I was charged the {$35.00} dollar overdraft. Otherwise, the payment ( that I did not want or authorize ) would have bounced! Which is insane, because there was no payment due. I called the bank and explained the situation and they told me it could take up to two billing cycles ( up to 60 days ) to reclaim the money that they stole from my checking account. I 'm currently awaiting the " reversal '' to be researched and processed. THIS IS COMPLETE NONSENSE. I went to the bank, to speak face-to-face with a personal banker. She explained that my only options included waiting, taking out a personal loan, taking a cash advance from my credit card, TO COVER WHAT THEY STOLE FROM ME. At that point I walked out, red, and infuriated. I ca n't believe that this bank would steal my money, hold it hostage, charge me fees, then offer me a loan to cover what they took from me. I can not pay my rent. This is shameful and disgraceful. Once I am made whole, I will have to find another financial institution. It is my hope that someone out there actually respects the fact that these numbers they play with on a daily basis, are attached to real people, with real obligations.

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 03-09-2018 about Debt collection (Other debt) with Receivables Performance Management, LLC (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XX/XX/2018 they keep calling every day sometimes three or four times a day.

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 12-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (HI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Enhanced Recovery is reporting a Fraudulent XXXX account to my credit reports, this account was setup as a result of ID Theft and I have notified them of it and they continue to report the fraudulent info even after I requested they remove it under FCRA Section 605B and 623 ( a ) ( 6 ). I also gave them the case info for the lady that the Feds arrested that was selling all my info and fraudulent id documents as well! I am in the process of a home loan and if this remains it will stop me from getting a home and I will be forced to take civil action to get this removed right away!!!

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 02/21/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (MA).
Issue: Managing the loan or lease

Complaint: This is the letter that I sent to ALLY Auto which describes the issue I sent in a Duty Change form to have my payments taken out of my account on the XXXX for each month. However, the form has not reached the Auto Department as or yet. This form was mailed 2weeks ago. In addition I was late paying my XXXX payment which was supposed to come out of my account on the XXXX instead of the XXXX. I was charged a late fee and paid the amount on the XXXX of the month a week later a payment was charged to my account even though I made the payment already which caused me to be charged a insufficient amount from my bank. I am requesting that this issue be looked into because my payment for XXXX is scheduled for XXXX/XXXX/16 even though I requested the XXXX of each month and I would like for a refund of the {$30.00} that I was charged from my bank due to your mistake. You can reach me at XXXXXXXXXXXX or XXXX. 

Thank You 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 06/24/2015 about Debt collection (Payday loan) with Concord Resolution Inc (Closed) (LA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received a voicemail from XXXX, but was only able to discern that they wanted me to call them back as the majority of the message was cut off. I returned the call and spoke with XXXX XXXX. He claimed to be with a company called Concord Resolutions, and stated that I owe a balance of {$590.00} to a company called XXXX XXXX. Knowing that this was a fraudulent debt collector, I immediately attempted to get as much contact information as I could. Prior to ending the call, the representative asked if I was willing to settle the matter voluntarily or not. I told him no, that I was filing a report with the CFPB, and ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Other

Complaint: I recently moved and as a result changed my address on my tjx mastercard through synchrony. Since that time ( 1.5 months ), my card has been frozen along with all access to any information. No representative will tell me what is going on ; however, am being forced to pay my monthly bill without being allowed to know what the charges for the respective statement period are. I was told that I do not have to pay the bill in full and can just make the minimum monthly payment. They refuse to tell me what is going on. This is extortion

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