milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/14/2017 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: XXXX XXXX, 2017 Please help me with Experian in delving into my Identity Theft and clearing all the inaccuracies on my credit report. 

I asked them to correct all the improperly listed types of residence addresses. Also, I requested that they update the incorrect versions of my name. Additionally, to check on unapplied for credit accounts. This took 4 hours of my time.
Unfortunately, a greater portion is still INCORRECT.
I am a victim of IDENTITY THEFT and they are NOT addressing my concerns. As a previous victim of Identity Theft, I am well aware of the WARNING SIGNS. 

I have attached a color-coded version to make it easy to understand the inaccuracies. 

Thank you in advance for your assistance!

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 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My Data was hacked per Equifax Credit Bureau, I had to go through an indepth process to try and limit further damage. I waited on the phone for long times to accomplish this. The other KEY of this problem is that EQUIFAX WAITED FOR MONTHS to advise THE CONSUMING PUBLIC OF THE BREACH OR HACK OF DATA. 

EQUIFAX HAD A DUTY TO PROTECT CONSUMER DATA, AND THEN IF BREACHED TO ADVISE US IMMEDIATELY, THEY DID NEITHER. SUPPOSEDLY, SOME WITHIN EQUIFAX IN FACT SOLD THEIR STOCK HOLDINGS PRIOR TO TELLING THE PUBLIC OF THE BREACH TO MINIMIZE PERSONAL FINANCIAL LOSS. THIS IN ITSELF IS " CRIMINAL ''. 

I WONT THEM HELD ACCOUNTABLE, I HAVE NO IDEA OF THE DAMAGE DONE UNTIL I START SEEING ACTIVITY. XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I disputed a collection which was listed on my Experian credit report in early XX/XX/XXXX. The dispute was with an agency that was collecting on behalf of XXXX XXXX for unreturned phones. 

I had returned the phones to a XXXX corporate store ( # XXXX XXXX, Florida ) in XX/XX/XXXX and kept the receipt from the return. This satisfied my contact with XXXX per th terms. 

I contacted both XXXX and their Collector when contacted in XX/XX/XXXX about the outstanding balance to make them aware that he phones were returned and provided the receipt details. XXXX and the collector said that the phones had not been received in their warehouse. I informed them that this was not my responsibility as I had returned the phones and had a receipt from their company acknowledging receipt. 

When the credit agency reported me to Experian, I filed a dispute. In the dispute I provided the summary included above as well as a copy of the receipt confirming the returned phones. 

I received the dispute results from experience today and they have upheld the outstanding balance and left it on my credit report. I added comment to my file and re-submitted my dispute and copy of the receipt proving return of the phones. I find is outrageous and criminal that Experian has ignored the proof of return and continues to damage my credit rating.

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 05-11-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: I signed up for a business account with CITI bank and I was informed that monthly fee of {$19.00} would be waived if I signed up for XXXX device, XXXX XXXX. I met with XXXX XXXX representative and he signed me up for their services and never mentioned that there would be any monthly fee for their services. On XXXX/XXXX/2016 I found that my account was over drafted {$80.00}. As per CITI bank representative, I was charged {$32.00} by XXXX XXXX merchant, {$19.00} for the monthly CITI bank maintenance fee and {$35.00} overdraft fee. I should not be charged maintenance fee of {$19.00} by CITI bank, {$32.00} by XXXX was not authorized.

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 09/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (IL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: On numerous occasions I have calculated credit card balances that differ from what was calculated by US Bank. XXXX XXXX, 2017 my available credit was {$150.00} according to US Bank. A {$100.00} difference than what I calculated. Later same day, my credit purchase was declined. After phone balance inquiry, my balance was calculated {$80.00} shy of US Bank original calculations that morning, and no purchase had been made and none still pending. Another checking account I have with US Bank had been targeted and stolen from in the past. I have reported this bank to local police.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/17/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company, Nationstar Mortgage, is setup to direct bill/pay my insurance through my escrow account. For many years this has been happening without issue. Apparently in 2015 as of XXXX my insurance was canceled due to none payment. The insurance company issued Nationstar a cancellation letter indicating payment must be received by XXXX XXXX to avoid cancellation. Instead Nationstar submitted payment on XXXX XXXX. The insurance company returned the check to Nationstar on XXXX XXXX and Nationstar did not mail the check to me until XXXX XXXX. I called Nationstar today to find out why they mailed me this check, they said they had no idea, asked if there was a claim or an incident. I said no, then continued to say they have no idea and suggested I deposit it and return the money to my escrow account just in case. I then called the insurance company myself and discovered Nationstar paid late and therefore my policy was canceled. The insurance company had an old mailing address so they did not notify me, however Nationstar has my current information and they not only did not notify me, but they are unaware that my insurance was canceled 5 months ago. My insurance lapsed in XXXX and my mortgage company still has no idea in XXXX. I am actively pursuing a new policy now but I do not want to be responsible for the high cost of Lender placed insurance because Nationstar messed up, again. This is my second complaint with the CFPB and I can not emphasize enough how discouraged I am with Nationstar as my mortgage company, and I am often greatly dissatisfied with my service and customer support.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Twice in XXXX separate instances the debt collection agency has incorrectly attempted to collect XXXX separate debts from me from over a period of a year and a half ago. Both instances dealt with an old apartment I lived in. One instance the debt collector, for some reason, put me on to the account of the person they were attempting to collect from who turned out to be the previous tenant in my apartment. I have NO connection to this person, and still have no idea how I was assigned responsibility for their debt.

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 01-09-2018 about Debt collection (I do not know) with DriveTime (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: Company refused Police Report and Identity Theft Report on several occasion dating back to XX/2016 to Present. Several Calls were made to my cell phone due supplying the company with a copy of current Driver 's License, Social security Card and contact information to resolve this issue instead the account was just update with my personal information that was requested by the company after sending a Police Report and Identity Theft Report after abating this information I proceeded to get phone calls regarding the fraudulent account asking when I 'm going to pay it and that if I did n't pay they were going to press charges on me and garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I have notified all  XXXX  credit reporting agencies asking for verification of Chapter  XXXX  Bankruptcy reported. I have contacted my local Bankruptc  y Court. The Bankruptcy Court stated, " they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. '' It is the credit reporting agencies, and /or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U.S. Court systems due to the Fair Credit Reporting Agency Privacy Law.
On   XXXX   XXXX  , 2017, I sent certified letters to the Experian,   XXXX   and   XXXX   asking for documentation of validation associated with the bankruptcy.     To date, I have not received a response from any of the reporting agencies. Additionally, the reporting agencies have not indicated that the bankruptcy is in dispute.

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 06/29/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (OH).
Issue: Loan servicing, payments, escrow account

Complaint: Hello, It has come to my attention that Nationstar sent an unsolicited payment of {$1800.00} to XXXX County Treasurer for property taxes. As clearly shown in the attached escrow statement prepared by Nationstar in XXXX 2015, only hazard insurance is being collected in escrow. Furthermore, attached are the property tax bills that were addressed directly to me, and not Nationstar. This error has caused duplicate payments to the XXXX County as I made a payment to them directly since it is not part of the Nationstar escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2017 about Debt collection (Medical) with CAVALRY INVESTMENTS, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: The account in dispute appear on my credit report several time under different collector company names Initiate an investigation with credit reporting Bureau. investigation was not conducted as requested. Document proof of that indeed account belong to me.   The collection agency fail to respond to verification of account after summiting a letter that my identity theft report and letter send to collector agency company address that is reported on credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/23/2018 about Debt collection (I do not know) with Express Recovery Services, Inc. (UT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: 3 Accounts what the? 

1st Account = XXXX XX/XX/XXXX Amount XXXX 2nd Account = XXXX XX/XX/XXXX Amount XXXX 3rd Account = XXXX XX/XX/XXXX Amount XXXX These are accounts that I have no knowledge of and would never pay a collection agency money. I would go to the original creditor if this account was mine.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Debt collection (Payday loan) with CURO Intermediate Holdings (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: They kept charging me, even after the debt was paid

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
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 are 3 medical collections being reported by XXXX XXXX XXXX in XXXX, LA. These are NOT my bills and I have asked for validation of debt. However, I've tried to dispute the accounts through all credit reporting agencies and they have not removed them.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: On XXXX XXXX, XXXX in response to the Equifax hack I attempted to put a security freeze at all XXXX credit reporting services. When i tried to do that online at Transunion they said I had to create an account or sign in. I tried to create an account but the computer said I already had an account. This is possibly from about 15 years ago when i tried to fix an error on my report. 

I have no idea what the password or username would be so I tried to retrieve them. The the computer gave me the message that it could n't get the account info and was unable to complete the request. 

I finally had some time today XXXX XXXX XXXX, XXXX XXXX to try again. I called XXXX, waited on hold and was finally connected. The person told me I had to call XXXX XXXX at XXXX. I called and was placed on hold. The person told me I had to call the XXXX XXXX XXXX XXXX at XXXX I called that number and the robot gave me options none of which was to talk to a live person and none of the options was for what I needed. It was all robots. 

I called XXXX again, was placed on hold and they again told me I had to call the XXXX number. When I told them I was unable to talk to a live person they said I had to call that number. I talked to a supervisor and he said he had no information about that department and could not help me but I had to call that number to resolve my problem. 

Unbelievable/ frustrating! I gave up and am writing this. 

I had the same problem with the XXXX other credit reporting companies. I could get into their websites because they said I had an existing account but could not tell me the XXXX or 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 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I went through the student loan rehabilitation program. After my 9 months of payment and my loan being sold, the agreement was that the derogatory marks regarding the student loan would be removed ... in fact the contract explained that the original credit line would be removed entirely. I submitted online dispute with TransUnion ( X/XX/17 ) and the results came back of which did not include deletion of the credit line. Please review the last line of the document submitted.

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 09-06-2017 about Payday loan, title loan, or personal loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: They sent me a letter with some information that is not correct like my DL # that was stolen of lost. The correct number was XXXX.Also with a car I did n't never own.
The address is incorrect also.The address XXXX XXXX XXXX, XXXX, SC I have never live there.The phone number I do n't have any ideal about this phone number ( XXXX ) XXXX.I have a copy from the last time I file a Complaint with the CFPB.
That this account was deleted from the consumer 's report.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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: XXXX XXXX ( " Student Loans '' ) has wrongfully and illegally via violation of the Fair Debt Collection Practices Act reported duplicate accounts ( it should only have been reported once ). They are exactly the same ( with the same creditor ), but reported twice. This is severely harming my credit score. I had complained and filed a report and requested an investigation with all credit bureaus, but to no avail. They did not rectify the problem at all. The " duplicate report '' was filed as a charge off starting XXXX of 2017.

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 03-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Penn Credit Corporation (AP).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: After fighting this once already with another collection agency ( XXXX XXXX ) and the originator ( XXXX XXXX XXXX ). And threatening legal action against both for falsely pursing me, along with ignoring my proof that it was n't my debt. It stopped ... now over a year later, another debt collecting agency is reporting the same debt on my credit report ( Penn Credit Corp ). 

XXXX XXXX ... I departed XXXX, Colorado on MILITARY XXXX Prior to my departure I removed my name from the account according to the customer service representative who assist myself and my ex-wife in their local office. 
XXXX XXXX ... I noticed the collection account on my credit report ... and through military legal assistance, this web site, they finally removed the collection account. Part of the processes I went through was submitting signed letters to cease and desist any and all future contact/collection attempts. along with proof of my departure and my new utilites/staements in XXXX. As it is documented here, that did n't happen immediately, and is now continuing. 
EVEN IF THEY ca n't find records of me removing my name from the account ... .. XXXX XXXX XXXX went into a completely SEPARATE agreement with my ex-wife that had NOTHING to do with the " normal '' operation of the utilities. I found this out after the fact ( trying to figure out how it was even allowed to reach the extremely high amount it reached, they normally shut it off for non payment after 2 missed months ). While I was XXXX, the ex-wife contacted them ( when they turned off the utilities after she quit paying them ). YES, she paid them at the beginning from her INDIVIDUAL account. She then had to submit a packet showing her INDIVIDUAL income along with a letter of reason for an extension to keep the utilities turned on. EVEN in the letter she states that we were no longer together and her income was minimal. SO she was awarded the extension based upon HER INCOME AND LETTER! ... .. 
Now they are illegally pursuing me ( according my my legal office ) since I can prove my departure on military orders, along with them going into a separate agreement with her on her own.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I sent out 2 notices of BILLING ERROR and questions related to BILLING ERROR NOTICE The first was XX/XX/XXXX and the second was XX/XX/XXXX. As a result I was sent COPIES of my statements for answers to questions stated on both BILLING ERROR NOTICES. I received these NON VALID correspondence to my notices past the 90 days at most, allowed under the FCBA. The COPIES of statements do not constitute proof under the LAW! There is no longer an agreement. There is no longer a contract. The alleged contract is null in void based on the lack of proof of verification and aquiescense to the new terms of agreement.

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 03/23/2017 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (MS).
Issue: Taking out the loan or lease

Complaint: I 've been disputing this for 2 years now. I recently Pulled my credit and saw ALLY Financial is still on my Credit report for $ XXXX. I do not recall this debit, I sent XXXX different letters requesting investigations and re investigations from the credit bureaus to investigate this matter. After several attempts to find out any information about this alleged account. I Sent a Notice of pending litigation, Seeking relief and monetary damages under FCRA section 616 & section 617, giving them 10 days to verify this alleged account and send me proof of this account. Still No reply, no action. Ally is Still on my credit report and reporting monthly late payments dropping my credit score drastically. I have rights and I plan to pursue them. They are impairing me from a fair chance with creditors and a quality of life.

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