milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/18/2017 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Experian has reinserted a credit account that was fraudulently opened without my consent. I disputed this account some years ago and it was never validated nor verified with myself nor Experian. I just so happen to look at my credit report and there is a number of accounts that is fraudulent. Applied bank was removed and reinserted without verification nor validation. I contacted the credit card company and they never sent me a copy of the signed credit agreement with my signature on it. XXXX is the other account who was reinserted without verification nor validation. XXXX was also asked for a copy of a signed credit card agreement with my signature stating I applied and agreed to this card and they could not provide the information. XXXX XXXX is a computerized number and that does not constitute verifying information. XXXX funding was contacted as well and they failed to show how they own the account, did not send copy of agreement with my signature on it as well. This is my last attempt to resolve this matter. I will be pursuing legal action for these unvalidated and unverified accounts are hindering my credit score tremendously. No consumer should have to endure this foolishness when it comes to getting proof for validation. There is a Bankruptcy on here that does not belong to me. I called the courts and they do not verify information over the phone. Third party companies are not a valid method of verification. Im sure Experian did not talk to anyone concerning this Bankruptcy because the courts do not verify over the phone. Bankruptcy do no share information with third party companies. XXXX and other third party companies are not a valid verification. This bankruptcy was reinserted which I disputed a long time ago and Experian removed the bankruptcy, XXXX, applied bank and now they reinserted without legally verifying or validation failing to alert me of they was reinserting without proper verification.. XXXX account was disputed I was never late on this account and they never got in touch with the company to verify or validate. I know for sure they did not confirm because they wont even return my calls.

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 03-08-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I checked my free credit report through TransUnion on XX/XX/XXXX. All information looked okay except for incorrect addresses and phone numbers ( very minor issues ). I filed an investigation to remove the data and TransUnion promptly removed the data. After sending me an email on XX/XX/XXXX to view the revised credit report, I find a public record from the XXXX ( Docket # : XXXX ). The record was n't on my credit report a day ago. According to TransUnion, the judgement was filed in XX/XX/XXXX, paid in XX/XX/XXXX, and updated in XX/XX/XXXX. It 's suspicious that the record just happened to show up in XX/XX/XXXX, one day after I viewed my free credit report. This record is definitively baseless. On XX/XX/XXXX, TransUnion gave me the opportunity to dispute any information online ( when they only displayed positive information ). On XX/XX/XXXX, TransUnion decided that I am only allowed to dispute further by mailing a form ( when they disseminate incriminating information ). For an agency that has such significant influence on my creditworthiness, TransUnion demonstrates a dangerous carelessness and/or recklessness for the maintenance and dissemination of my credit 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 explanation
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Being an XXXX XXXX Service Member, I scheduled two separate monthly payments towards my Bank of America credit card. At the time I was scheduling the payment, the W-Fi I was using from my location was kinda weak but eventually the scheduled payments went through and I received two separate confirmation numbers. # 1 ) XXXX # 2 ) XXXX I received a credit notification where I was reported 30 days late to all three credit bureaus. I was really upset because I knew I scheduled these two separate payments for my Bank of America credit card. I sent an email to the Executive Office of Bank of America explaining the situation where I am an XXXX XXXX Service Member and I was in a location where I was scheduling a payment via Wi-Fi and how I was possibly having issues with the mobile app on my device. The woman I spoke with, XXXX XXXX, said she would check with IT and most likely can not remove the 30 day remark. She eventually called me back a few days later saying IT could n't find anything and I asked for proof and she could n't provide it. Technology is a tricky thing and honestly can not be trusted but I am honestly explaining to them that I scheduled the payments. I did n't take this well because I KNOW I set up this payment. At the time of the phone call I did n't have the confirmation numbers and I explained to her they 're at home. Since I have them, I am providing them in this email. I also contacted Bank of America this morning but left a voice mail. I am requesting this 30 day late remark be removed from all 3 credit bureaus due to the difficulties of the application through the bank. As a Service Member and having my integrity questioned is very appalling and hurtful. I explained to XXXX that I have a upcoming re-investigation for my XXXX XXXX XXXX XXXX and keeping my credit up to date and in good standing is a high priority to me. If you have any questions or would like to discuss this please contact me at the information below. 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 02-07-2018 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: Personal information incorrect

Complaint: This is not a dispute for debt, this is a request to remove an address that does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-06-2017 about Bank account or service (Other bank product/service) with AMERICAN EXPRESS COMPANY (LA).
Issue: Deposits and withdrawals

Complaint: XX/XX/XXXX - I performed a cash load of {$2500.00} at the XXXX store # XXXX my American Express Serve account. 
American Express shut down my account shortly thereafter and locked me out of online access so I could not log in to pay my bills with the cash that I 'd loaded. 
I 've called American Express Serve multiple times since then, the most recent being on XX/XX/XXXX and was told that my money was returned to the retailer each time. I 've spoken to XXXX on the XXXX audit team many times trying to track down where my cash was actually returned and they have no record of it ( as of XX/XX/XXXX ). At this point American Express will not transfer me to any superior officer or manager that can remedy this situation and is holding my {$2500.00} cash.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XXXX XXXX, 2016, I checked my credit report through XXXX and there were a total of XXXX hard inquiries removed from my credit report. On XXXX XXXX, 2016, I checked my credit report again and discovered the XXXX hard inquiries that had been removed earlier were now re-inserted on my credit report without sending me a re-insertion letter in accordance with the FCRA - section 611. I have called Transunion and XXXX on multiple occasions and sent a certified letter ( return receipt received XXXX XXXX ) to each reporting agency. My calls to Transunion have been answered by foreign representatives who have refused to transfer me to U.S. reps to discuss my issues. They have told me it can not be fixed and I should go to the police if I want them removed. The police have told me they can not make the credit bureau be complicit with the FCRA. I want these hard inquiries removed as required. My calls and letters to XXXX have not been responded to and it is now 31 days past their awareness of the issue.

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 05/16/2015 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I am currently experiencing extreme difficulty with the credit bureaus. Experian, XXXX, and XXXX are all reporting my XXXX Accounts as a revolving debt. The definition of revolving debt is- Revolving debt is debt that typically has a variable interest rate, an open-ended term and payments that are based on a percentage of the balance. Revolving debt has a pre-determined limit, agreed upon by the lender and borrower. 
Revolving debt is the kind of debt that credit cards offer and is usually an easy way to get credit. It can be a useful tool when used with discipline. This is damaging my score and affecting my lively hood. My revolving accounts such as XXXX XXXX Credit Card, First Premiere, and XXXX XXXX are all in good standing. I have been paying about XXXX-XXXX % of my balance charged every single month. My credit score should be much high than it is. The credit reporting agencies are in direct violation of The Fair Credit Reporting Act where it states, '' Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate ''. XXXX account number XXXX, XXXX and XXXX should be reporting as UTILITY not revolving. XXXX acct number XXXX should have a XXXX balance and account number XXXX should have a balance of {$160.00} not {$380.00} reported. Due to the erroneous reporting since XXXX 2014, my credit score has suffered tremendously. Revolving accounts reporting as past due or late can damage a consumer 's credit report and in this case I have suffered severely.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-02-2018 about Debt collection (I do not know) with ProCollect, Inc (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I attempted to contact the regional supervisor over the property, XXXX XXXX XXXX XXXX, that is claiming the debt against me via fax and phone on multiple dates over the last two months. The first attempt came on XXXX/XXXX/XXXX, after trying to contact the parent company XXXX XXXX on XXXX/XXXX/XXXX and was directed to resolve the issue directly with the regional manager. I contacted the office again XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. Every time I was told this individual would call me back and never did so. I sent over a fax the last week of XXXX and received a confirmation that it was delivered successfully. I have also attempted on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and again XXXX/XXXX/XXXX through both phone and fax between these dates to provide documents which prove that a debt is not owed and none of these parties will consider the evidence that proves this, instead I have received forged documents that have copied my original signature and applied it to a document that I was never in possession of. I had a lease for a one bedroom apartment with a clean move-out checklist that showed now charges were due and no repairs needed made to the unit, but the document they provide that claims I owe a balance is for a two bedroom apartment. I did not rent a two bedroom and I have the clean move-out checklist/zero balance bill to prove it. Pro collect has contacted me repeatedly and refuses to provide me with proof that the debt is owed, instead only sending billing statements which claim my balance is due within a day of receiving the billing statement. I have provided evidence and they have confirmed receipt but will not accept it as a zero balance and they refuse to provide any proof that I actually owe the debt following my faxed dispute. They are trying to collect a debt that they are not owed and I can provide the document to prove it, which I have provided them on numerous occasions. In addition to billing me incorrectly after claiming I owed nothing after a walk through of the unit followed by the signing of the move-out checklist with the zero balance, they failed to provide me a copy of the bill they chose to forge within the 30 days they had to do so as outlined by Ohio Statutes.

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 09-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have over 100 inquiries on my Transunioun Credit Report that are due to my identity theft. They will not provide me with any information to validate these. 
XXXX Bank XXXX # XXXX is not my account. they will not validate it. 

XXXX ACCOUNT NUMBER XXXX DOES NOT BELONG TO ME AND THEY DID NOT YET REMOVE NOR VALIDATE THIS AND XXXX ACCOUNT # XXXX XXXX THEY KEEP PUTTING BACK ON UNDER ANOTHER COLLECTION ACCOUNT # XXXX. 

I HAVE EXCELLENT CREDIT. OVER 30 ACCOUNTS BUT THE INQUIRES ALONE ARE NOT MINE NOR CAN BE VALIDATED. 
XXXX ACCOUNTS WAS DUE TO IDENTITY THEFT ACCOUNT # XXXX ACCCOUNT # XXXX XXXX AS WELL XXXX BANK ACCOUNT # 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 05-02-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (SC).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I attended XXXX University and had to get loans to cover the cost as I had to pay for school myself. The monthly payment now is going to be right at {$600.00} a month. I have spent two months calling XXXX XXXX ( now Navient ) telling them that I am willing to pay my loans back but I would need to get the payment lower because this is going to be a high expense. Also I have had employees of Navient state that my payment is very high. After repeated calling I just keep getting the same answer which is " your disposable income is too high for us to lower it '' but I am living at home because I do not want to be in a financial bind when I do move out. I just do not see how when they have someone who is willing to pay them, they will not even try to work with me on this. Also I co-signers but they are my grandparents and I have told the company that I am the only one who is going to make payments due to my main co-signer having XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Debt collection (Medical) with Halsted Financial Services, LLC. (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am contacted by this company multiple time a day. Every time I answer ( with a greeting ) I get hung up on. One day I called them back to see who was calling me and they stated the reason for the call. I told them to stop calling me due to the fact they never answer when I pick up and I am in the process of repairing my credit, so when the time comes, I will get that handled as well as the fact, I do not have the funds to take care of this debt. Here we are months later and they still keep calling. I called back again today, spoke with the floor manager, explained the situation and told him, too, to add me on the do n't call list. He refused to hear me. I have a feeling they will continue to call multiple times a day with no answer. I want it to stop

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was contacted by a debt collection company called CMRE Financial Services regarding an outstanding payment to XXXX of XXXX XXXX of dentistry for the amount of {$200.00}. I have never visited the dentist school and do not owe them any money. I called CMRE Financial Services at ( XXXX ) XXXX and they told me to file an identify theft report and send them a copy along with my driving license and SS number. I have also attempted to contact the dental school in question but have not received any response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (IL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: On XX/XX/2017 I printed out the Discover Card promotion, 0 % interest 18 months and spoke to the sales department at Discover Card, agent XXXX, ID # XXXX. XXXX   confirmed the promotion and that I qualified for the promotion, confirmed my already opened account which made the balance transfer I intended to complete easier to complete. He also said, " Its a good thing you are doing this today as the promotion ends tomorrow. '' We completed the transfer and he said I would receive a confirmation in 7-10 days. 
When the confirmation arrived, it was not the above promotion but a 4.99 % balance transfer promotion. I called and asked why I was given the wrong promotion and was told I did n't qualify as I am not a new customer. I would not have made the transfer if I did not quality for the 18 months promotion and by now the money had been transfered. 

I spoke to at least four people up the ladder who all said they would listen to the recording and get back to me. No one ever got back to me. I had to call back each time but each time I was told the same thing, " I listened to the tape and you did n't qualify for the promotion. '' I asked for them to play the recording for me as I know that if they listened to conversation they would have heard the comment XXXX made quoted above. Each time they told me the recording is proprietary and they did not need to play it for me. 

My concern is that they will delete this quote by the agent XXXX so if you would not give them XXXX 's name and ID up front but wait for their reply before revealing who the agent is.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Debt collection (Credit card) with GRYPHON CORP. (AZ).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I settled a debt in 2012 - the agency never reported it to the credit bureau and the debt was sold again - I have paperwork to prove I paid this debt. The new agency - is threatening me and asking when I 'll be home. I tried to call them today to send them the paperwork and they refused to talk to me. I have disputed the amount with the XXXX today. I want this to stop - I paid the dept.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Student loan (Federal student loan servicing) with EdFinancial Services (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Hello, During XXXX I submitted my final payment to complete the loan rehabilitation program. I received a letter from the Department of Education that requests all credit bureaus to update any student loan account with negative information ( including default status and late payments ) to bring the account current. I submitted the letter from Dept. of Ed via fax to XXXX special handling department on XXXX XXXX, 2016 requesting for them to remove the account and/or negative information that is damaging my XXXX score. I was unaware that this request would go through the normal dispute channels and be actually handled like a dispute. XXXX has complied and removed the accounts from my credit profile ; however, XXXX confirmed on Tuesday, XXXX XXXX that their XXXX system verified that all information was correct with the account. This is n't the correct process to verify account information that is reporting inaccurately. The electronic system can not read the letter that was sent to verify inaccurate information reporting. The new loan servicer is now reporting to the bureaus and has updated their account status as well. 
I received an alert today stating that a recent delinquent account was reported to my profile. The account was from Ed Financial showing a recent delinquent account as of this month and is reporting incorrectly and should be removed. My score is suffering because of an erroneous update to the account due to the electronic dispute system that did n't verify account information accurately. 
I would like a resolution to this error immediately. I 've waited a full month since the account was placed in dispute status involuntarily. 
Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Debt collection (I do not know) with Alorica Inc. (MS).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX XXXX has been calling me repeatedly throughout the day for weeks now. They constantly use different numbers to get around being blocked. The most recent numbers they 've used are XXXX, XXXX and XXXX. They never leave a voicemail so I 'm not sure what their supposed business is with me, and they 've also never sent me anything via postal mail. This is the SECOND time I 'm reporting this company for harassment. The first time, they claimed to have put my number on a do-not-call list and that clearly was a lie.

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