milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/30/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Hello, Equifax had put myself and my wife threw XXXX, first off we had a paid subscription on their site as a family plan, for days I was n't able to see my credit report or score, First they tell me I needed to validate myself, then they said there was a problem like i had XXXX credit reports, then im told experian placed a fraud alert well over a month ago, I have been told so many different reason as to why my bank account was charged funds for the reports, scores i was personally treated like garbage due to the fact I had past charge-offs as the XXXX said and that i should be ashamed of my charge offs how dare he he does n't know what happened in my life to have this on me, as i work hard to establish my credit, then he declined me my right of having my score when you dispute something they come back with results within a hour declining the dispute due to my mortgage lender not be able to get a score on me yesterday Equifax charged my score points twice for this inquiry. Hard inquiries are on my report because my son and i have the same name and they want me to get a police report for a simple name error. these people need new training, we as consumers do n't deserve the disrespectfulness we got, its our credit that gives them jobs, I am so angry, and upset over this. they do n't even understand what your explaining to them, and when you write them in the mail and you have confirmation they received it they denied it something needs to be done with EQ. took me over 7 months to have Hard Inquires removed for them to place them all back on when they finally got my credit report up and running yesterday and they will not remove them and told me i have to contact each person again i have done this sent it to them over the 7-12 months proved they were n't mind and now back to square one this is n't right!. i lost an entire days work yesterday due to their inconsiderations I have a -lot more documents if needed I want these inquires off this is n't right. Also they are allowing a paid debt still remain a charge off when i proved it was paid for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2016 about Credit reporting () with Credit Karma, Inc. (IN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: there is a address that was never mine.

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 02/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The alleged debt is erroneous. ALL associated costs were paid when I switched phone service providers. I have requested, from the claimant, records to support the purchased debt. Claimant has failed to provide supporting documentation to support their claim. Instead the company who purchased the alleged {$41.00}. debt, unethically reported the debt as valid, while refusing to support their claim.

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 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: On several occasions dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I have submitted a formal request in writing to Experian requesting that all incorrect personal information be removed from my credit profile. To this day they have refused to comply in removing the incorrect address XXXX XXXX XXXX XXXX XXXX XXXX va XXXX and any associated accounts to this residence from my report. I have sent a copy of my drivers license and social security for proof of residency I have also submitted my most recent recent certified mail using my correct address

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 02-08-2018 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (PA).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: I give the vehicle back couldn't afford the payments then when we they said they sold it for less then wat was owed that had to pay and I couldn't then after all these years a debt collector bought it from the company on wat was owed and the debt collector try to tell me if didn't make arrangements would hurt my credit score it never was on my credit report I check it quite often so agreed to make XXXX a month payments so that's why I'm filing this complaint thank 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 04/18/2016 about Bank account or service (Savings account) with U.S. BANCORP (TX).
Issue: Deposits and withdrawals

Complaint: My mother died on XXXX XXXX, 2015. I went to her bank on XXXX XXXX and took a death certificate and turned in her credit/debit card. I asked the banker what we would do about her funds ( checking and savings ) and they told me I would have to go through probate. So I hired an attorney and we did that. When the small probate action was completed I was told to open a checking account for my mother 's estate and to get an EIN number. I did that at a bank where I live. We faxed the documents to the bank in Oregon. I called them on the phone from my bank to let them know what I was doing. The manager of my mother 's bank said she would not honor the probate because my mother had something called a POD stating that she wanted her money to go directly to her XXXX daughters. I asked her why they told me to go through probate and she said she was not the manager at that time. I talked with the probate attorney and she subsequently called the bank and was told the same thing. I have tried for several days to call my mother 's bank but the manager will not return my phone calls. I have called their national call line but was told that they could not help me that I had to talk to the branch.

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 06/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: National Credit Systems put a file on my husband and my credit report. When I called several years ago when it first appeared the amount the were trying to collect was over XXXX. We knew we did not and had never owed that amount. The issue is we moved and had to break a lease. The owner of property had property management company take us to court for judgement on what was owed. They were awarded around XXXX from the court. Nothing more was to be owed. We began paying the property management company and have a ledger with their letterhead to prove that. I am not sure how or when National Credit Systems became involved but I did receive a letter and called them. When I attempted to give the facts they were hostile, rude, cussing me out and yelling. National Credit Systems has over the past few years changed the DATE on the account, the NAME on the account and the amount owed. We have gotten all credit bureaus to take it off when we send documents to them, but 3 or 4 wks later they put it back on with information changed and we start all over again. As the amount they now show is XXXX it is deeply hurting our credit. There is a judgement for the correct amount and per that court that is ALL WE OWE. THey have been told that and send that information on the judgement. If you look up this National Credit Systems online you will see all the shady things they do by reading reviews. We would like this taken off our credit and something done to this fraudulent company so they no longer bother us. I do not believe it is legal to CHANGE DATE, NAME and AMOUNT to keep sneaking it back on to our credit. We have called them as well and again get cussed at, threatened and they do not see that they are doing anything. Their attitude on phone is we can do what we want. 

This is not ok- to put false information on someones credit and then try to bully them into paying. How many people have they scammed that did not know to fight back? Please help. I have documents I can send that show judgement, ledger of payments and all the times they CHANGED the info to get it back on our reports. 

National Credit Systems is a fraudulent company scamming people and should be stopped.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Credit reporting () with Experian Information Solutions Inc. (IN).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: This is in follow-up to my complaint XXXX Experian 's XXXX/XXXX/15 response to my CFPB dispute, Experian specifically states " ... To request a security freeze, log on to www.experian.com/freeze ... ... " But after trying online several times over the past month, Experian instead continues to not accept my security freeze request - UNLIKE EVERY OTHER CREDIT REPORTING AGENCY. Experian apparently is continuing to make the process as burdensome as possible to discourage implementation, and maximize their profit opportunities. 
. 
Once again, by way of this complaint, and as a likely victim in the XXXX XXXX XXXX XXXX breach, I am notifying Experian that I will hold them strictly liable for any damages I incur from their failure to implement a timely Security Freeze, including their lack of a clear, concise problem resolution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (MI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: When I attempted to cash two reimbursement checks with XXXX bank and XXXX banks in XXXX XXXX, Michigan, I was informed that I had an issue with ChexSystem reported that I had an outstanding balance with XXXX XXXX XXXX XXXX. I went to XXXX XXXX XXXX XXXX on XXXX XXXX XXXX, Mi and spoke with XXXX XXXX ..., she informed me that there was not such an issue with the credit union. Now that she " no longer works there '' per XXXX staff, i got an emailed copy of a statement dated XXXX XXXX stating that there was an overdraft on my account and that it was paid within that same month. See copy. I want this negative credit/banking activity to be removed from my credit report because its been 46 months since this burden has refrained me from opening banking accounts to manage paying debts or receiving deposits to pay debts. ChexSystem reflects derogatory statements about and ruins my credit ability. ChexSystems acts are unconstitutional and has helped to ruin my livelihood.

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 10-08-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: After the death of the original property owner, her heiress, henceforth XXXX completed a family transfer package for OCWEN and received a permanent modification of the mortgage under her own name However, mortgage statements continue to be addressed to the deceased. XXXX has completed the assumption application, has a mortgage modification in her own name and is now the borrower. But the account remains in the name of the deceased mother and listed under the social security number of the deceased. Despite phone calls, emails, XXXX notices of error and a completed family transfer package by the XXXX OCWEN has not updated the account to reflect her name and social security number. 
A complete complaint will be mailed into the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Debt collection (Medical) with Io, Inc. (VA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: The debt collection agency " Receivables Management Systems '' in XXXX, VA at XXXX attempted to collect a debt from medical fees. The only bill I have received included only a total balance, account #, and contact information for the company. No information was indicated as pertinent to dispute, nor was a right to dispute included. Nor was information sufficient to validate the amount of the debt provided - specifically, I requested an itemized bill so that I could verify individual charges before I agreed to the total, and they have refused to provide an itemized bill. It has been several weeks since I requested that information.

Company response to consumer: Closed
Consumer complaint received 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with CITIBANK, N.A. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I received my annual credit reports. there is a company that on my XXXX XXXX XXXX report by the name of XXXX, XXXX XXXX XXXX XXXX. I have no idea who they are, I have not requested any credit, form any credit company in the past year. The inquiry says is from XXXX XXXX, I was traveling on XXXX XXXX was not even in the United States. Someone must have used my information, and now appears ad a credit inquiry from XXXX XXXX, 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 explanation
Consumer complaint received 12/23/2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Delinquent account

Complaint: We have a Staple " more account '' for our Business and was reported incorrectly to the business credit reporting bureaus. 

Staples published a payment address of " XXXX AZ XXXX '' on our monthly statement which we referenced with our bank for bill payment checks. 

We sent a payment on XX/XX/2016 to Staples Credit Plan/CITI CARDS which was returned due to unable to identify account. We referenced all required information per our monthly statement. This resulted in our account to be reported as 30 days past due and was a bank error on Staples Credit Plan end. We should have never been reported 30 days past due and need this to be corrected. 

Attached is all of our documents showing when and where we sent the payments to. 

Thank you, 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 monetary relief
Consumer complaint received 03/22/2016 about Debt collection (Payday loan) with SECURITY FINANCE CORP (TN).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Security Finance without my knowledge or with out me signing loan papers found family members numbers and contacted them and spoke about the " loan ''. They also contacted my workplace and spoke with them about the loan. They wantedHRs number and address to strike a deal to garnish my wages with no court order.

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 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have incorrect information on all the credit reporting agency, XXXX, Equifax, and XXXX. An because the incorrect information I had to take a new loan at a higher rate and I 'm having issues buying a home.I will list off of the in correction on my credit report. XXXX incorrect details bellow XXXX XXXX {$100.00} OPEDN ON XX/XX/XXXX XXXX XXXX  {$50.00} OPENED ON XX/XX/XXXX XXXX XXXX {$15000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX {$8500.00} OPENED ON XX/XX/XXXX XXXX XXXX XXXX {$87.00} OPNED ON XX/XX/XXXX XXXX incorrect details XXXX XXXX {$100.00} OPEDN ON XX/XX/XXXX ( XXXX XXXX XXXX ) XXXX XXXX {$50.00} OPENED ON XX/XX/XXXX XXXX XXXX XXXX ) XXXX XXXX {$1800.00} OPENED XX/XX/XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$12000.00} OPENED ON XX/XX/XXXX Equifax Incorrect details below XXXX XXXX XXXX {$7000.00} opened XX/XX/XXXX Blank info listed as collections as {$100.00} opened XX/XX/XXXXand {$50.00} opened XX/XX/XXXX XXXX XXXX {$1800.00} OPENED XX/XX/XXXX I HAVE NEVER HAD ANY DOING WITH THESE COMPANIES

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX XXXX XXXX on my Experian credit report has the inquiry date of XXXX/XXXX/XXXX. The only date that I went to the car dealership of XXXX XXXX XXXX was on XXXX XXXX XXXX. This is inaccurate information.

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 08/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX ( XXXX, Oregon ) is reporting a collection on my account that exceeds the 7-year statute. 

The Original Creditor was XXXX XXXX XXXX and the date of the last payment on the account was made on XXXX/XXXX/XXXX. Approximately eighteen months later, XXXX purchased this account The TransUnion Credit Report reflects the date of the LAST PAYMENT correctly - As XXXX/XXXX/XXXX - XXXX does not provide the date of last payment received on their credit report for this account. 

Both TransUnion and XXXX have sent responses stating they are " unable to honor my request based on the limited information I have provided. '' As Transunion HAS the information they need due to the fact that they are REPORTING IT on my credit report, I am confused at their boggle. 

XXXX XXXX has NEVER responded to repeated requests to VERIFY the date of the last payment with the original creditor - If they were to do so the date would show XXXX/XXXX/XXXX. They are using their PURCHASE DATE as the date of the LAST PAYMENT, and this simply is incorrect and as you are aware in violation of the FCRA his account notation should be removed. 

Since XXXX XXXX, XXXX, was the termination date of the seven-year statute on this account the notation from XXXX XXXX should be removed from my credit report immediately.

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 10/27/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo Mortgage has failed to provide one point of contact to assist in resolving issues. There is at least one cleared payment that has never been recorded for primary mortgage XXXX, now changed to acc. # XXXX. Documentation was presented to prior representative that responded to my prior complaint with the CFPB. Repeated requests to correct and credit this payment and additional fees have failed. In addition, XXXX mortgage account # XXXX, now changed to acct. # XXXX, is not properly applying my payments. According to XX/XX/XXXX statement, payment dated XX/XX/XXXX is being held as " unapplied '' ; the balance does not reflect the payment. This misapplied payment on the account, formerly # XXXX, is repeating the previous situation where all payments were misapplied during XX/XX/XXXX/XX/XX/XXXX. There is no reason or excuse for not applying payments received.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Debt collection (Payday loan debt) with Advance America, Cash Advance Centers, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Someone contacted me on XX/XX/XXXX claiming to be a litigation attorney ( even though I can not find the actual law office anywhere online ), and said that Advance America is filing charges against me for fraud for giving a bad check. The attorney himself stated that the check was not bad when it was given, that they even tried to run it and it came back as insufficient funds. The account was closed for non-use not long after when I moved cities, and I was not contacted by the company saying that I owed a debt, and I legitimately forgot about it. This was originally in XX/XX/XXXX, and I have not once received any kind of contact until today when they told me charges were being filed against me because I took out a loan with a bad check, which again, they stated themselves was not a bad check when I gave it to them. They are threatening to come to my work, or that I might go to jail because of it, even though the county told me themselves that the case number they gave me was n't even one that 's used in their court. I would have no problem paying back the loan, but no one has contacted me until now, and no one gave me any information until this morning when legal action was threatened.

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