milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 'm beyond exhausted trying to get Experian to correct the numerous errors on my file! 
I 've called them several times and written them as well. I have all supporting documents that back up my disputes I have sent Experian my police report and all other documents to have them look into this matter. Experian is reporting accounts that I have no knowledge of and that do not belong to me. Some of which were previously deleted and reappeared! When I complained through the BBB they stated they could n't find my file in their system. My Experian file number is XXXX. The accounts are the following listed : XXXX XXXX, XXXX, XXXX XXXX and XXXX. XXXX XXXX is absolutely inaccurate! This debt buyer was sending me fake robo-signed court documents which I hired an attorney for and they were served a cease and desist order! Experian is taking a huge risk being that portfolio recovery was ordered by a judge to terminate false reporting. The CFPB sued XXXX XXXX ( File No. XXXX ) where XXXX XXXX was ordered to pay {$19.00} XXXX in consumer relief and {$8.00} XXXX in civil monetary penalties. XXXX is still falsely reporting for an account I never had! This is my final warning to Experian as they have ignored my disputes. Experian needs to remove and delete the accounts disputed. Experian has violated the laws of the FCRA where it states they 're suppose to block and delete accounts opened as a result of identity theft within 15 days! I 've notified our city attorney general 's office and I 'm willing to talk to the media about this! This complaint acts as my final notice before I take legal action. To ensure compliance and to halt a lawsuit I will take against Experian ; Experian needs to respond to me within 15 days. Failure to do so will act as evidence of Experian 's infringement upon my legal rights and I will immediately seek legal avenues to remedy this situation.

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 09-12-2017 about Debt collection (Payday loan debt) with USA CASH SERVICES OF UTAH, INC. (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have been a victim of fraud. Several credit/loan accounts have been opened in my name. Including accounts for XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX, XXXX XXXX XXXX, several Payday Loans, Installment Loans and Checking and Savings with XXXX XXXX. The bank account these were maintained through was fraudulently opened through several prepaid debit card accounts and a XXXX XXXX account and XXXX XXXX Account. The bank account these were maintained through was fraudulently opened through several prepaid debit card accounts and a XXXX XXXX account and XXXX XXXX  Account. My mail had also been intercepted by the perpetrators for over XXXX years. ANY good that were shipped and bought with ANY of those accounts I DID NOT Receive. Several Payments were made to keep accounts looking good while maxed out so I DID NOT find out about the accounts until much later and the damage had been done. The prepaid bank accounts, XXXX and XXXX accounts that made payments on these alleged accounts was opened and funded fraudulently.

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 09/14/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (GA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: National Credit Systems has been calling me at work and harassing me. They claim they can not call my cell phone number - which no one else seems to be having this problem. 

A woman named XXXX XXXX called me at the beginning of XX/XX/XXXX stating that I owed my former apartment complex {$700.00} because I terminated my lease early. Fair enough. It is a debt that I owe. I made a payment to them the following Friday. XXXX XXXX asked that they set up an automatic withdraw from my checking account. I told her that I was not comfortable with this and that I would just send them a monthly payment of {$100.00} until the debt is paid. She said that would be fine. 

Well today ( XX/XX/XXXX ) XXXX XXXX calls me back ( at work again! ) and tells me that my account will still be reported on my credit because I elected not to have the money automatically debited from my account. I told her AGAIN that I 'm not comfortable with that and that last month it was n't a problem and now suddenly it is? I said " So you 're telling me that even though I am making payments, you 're still going to report this on my credit just because I do n't want to give you my checking account information? '' She said " That 's not what I 'm saying. You 're putting words in my mouth. '' So I said " That is exactly what you just said. '' She continued arguing with me stating that is n't the only reason. I asked what the other reason is and she told me that this had been discussed with me prior. I said " No, you told me last month it was fine for me to make payments on my own. '' Then she just told me that this was their policy. 

I do n't think it 's right for them to still report this on my credit when I am making monthly payments just because I do n't want to hand over my checking account information so they can do an automatic debit. The only thing they should be concerned about is whether or not I 'm sending in payments NOT that they have access to my checking account. This company seems fraudulent to me. I have another pending payment going out to them tomorrow. I wish I could stop the payment but it is already in process. 

I just do n't see how this is even legal and I really do n't think they should be allowed to call me and harass me at work!

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX I saw an I authorized charge of {$280.00} in my bank account made payable to Bestbuy. I called the Dispute department and notified them. The lady was being nice and told me if I could get someone from Bestbuy to verify those charges were n't mine, we can start a claim ( she also found another one of {$320.00} back in XX/XX/XXXX ). I called Bestbuy and got someone to look high and low for those charges with my name, address, and phone number. They could n't match them to anything under my name. We called Chase together, but the man who picked up did not want to open a claim because he thinks Bestbuy should investigate the fraud. I argues that since it 's proven by XXXX from Bestbuy that those charges are n't mine, we can start a claim to get my money back. He kept arguing and at one point said " how did anyone have my info to give to Bestbuy? '' I questioned him about identity theft, and honestly, I think I was being accused of cheating them. XXXX even helped out and said we could start a claim, and at one point he agreed but told me I still ca n't possibly get my money back, because they ca n't prove fraud. I was beyond XXXX at this point. With Bestbuy people proved that i did not authorize those charges and this man is still refusing to get my money back. It 's not {$60.00}, it is together {$600.00}. And the one in XX/XX/XXXX ca n't be done nothing about because it 's " more than 60 days. '' I know people who went a year without checking their account. If the same thing happened to any of them, are they saying those people should just forget about their money since the bank ca n't do nothing about it?

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: after my social security number was hacked in XX/XX/XXXX I received a debt collection from natcred in the amount of XXXX.dollars on my credit report but that is DATED from XX/XX/XXXX it is utterly moronic first ; for a debt collector to wait 4 XXXX years to start collecting on something. 2ndly that the only process this repugnant credit reporting agency does as an investigation is contact this debt collector which they ALWAYS say yes and then im stuck with a debt on my credit report forever. this illegal and frivolous way of investigating clearly shows the bias and discrimination both XXXX and transunion have towards the customer and how well they lay in bed with the debt collector. Furthermore it makes ZERO!!! XXXX sense that after my bankruptcy filing and clearance in XX/XX/XXXX I have gone 9 XXXX years without ANYTHING!!! on my credit report UNTIL AFTER!!! this hack occurred and my social UNsecurity number is out for anyone to get and use. neither transnunion nor XXXX take a customers word as evidence but they sure as XXXX take a debt collectors based solely on the fact that they give my social security as evidence and they NEVER use common sense or logic when reviewing a credit report. since my bankruptcy I have had perfect credit until my information was hacked. and lastly it is further repugnant that transunions last response is to not believe that I XXXX XXXX am the one trying to fix my own account and there only cheap excuse to refuse to investigate and fix my credit report is a rebuttal that my social security number isn't enough to review and fix this problem. use one iota of common sense why would someone that isn't ME!!! be trying to fix my XXXX credit report you pack of XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX I requested verification of this loan with documents signed by me. This letter was accepted by Ditech on XXXX XXXX 2016. I received only XXXX letter in response but no verification. The returned letter is dated XXXX XXXX 2016. As per FCRA XXXX ( a ) ( XXXX ) this company has violated my rights and will not send verification. Ditech did not respond or mark account disputed in required 30 days from receipt of 1st letter, since then I have sent out others with no action done on their part. Attached are copies of my credit report with no comments made by company up to XXXX/XXXX/2016. 
Ditech has violated my rights and the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WY).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: In short, I disputed credit report from TransUnion and they sent email saying report was updated. However, the link for "VIEW" the completed report does NOT exist or is NOT anywhere on the alleged page stating report is complete. The email sent states that I have 30 days from when TransUnion notifies me but I never saw the first notification and today's notification FAILED to provide me with access to view the alleged report. I am furious with TransUnion, XXXX (who released my personal information in a data hack, and has clearly harmed me), and the other credit reporting agency who have NO accountability to keep the credit information accurate and clearly by my troubles today with TransUnion cannot be bothered by mere "customers" asking to see their credit reports as required by law. TransUnion website has all sorts of "services" available, apparently some for fees, but there is NO link to customer service even after password protected login.

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 10-06-2017 about Credit card or prepaid card (Store credit card) with Army and Air Force Exchange Service (NC).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I was on a XXXX XXXX from XXXX XXXX until XXXX XXXX. I submitted my XXXX Orders to AAFES via mail in order to request and receive the XXXX Benifits on my Account. The Exchange Credit Program offers XXXX benefits to all eligible XXXX XXXX and Mobilized or Activated Reservists or XXXX XXXX XXXX Members who have valid orders to deploy to qualifying contingency locations. While I was XXXX, I would still be able to make purchases, but I would not be required to make monthly payments and my interest rate should have been temporarily reduced to six-percent ( 6 % ). After my XXXX ends, my interest rate reverts to the rate in the current Exchange Credit Program XXXX XXXX and I would be required to make monthly payments as long as my account still has a balance. I contacted AAFES every month about this issue, and have continued throughout the duration of my XXXX and every month afterwards via mail, and email. This caused a significant financial stress, and caused me to fall behind in my other bills because I was not anticipating to have to make the monthly payments for the entire year of the 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 10-04-2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have tried numerous time disputing inquiries on my report from XXXX 2015 to the present with bureau. I did not apply for a job or was granted credit with these people and want them removed. I have even tried sending letters to creditors with no response from the bureau or the creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: ALSO CANT PUT IN A REINVESTIGATION ONLINE INTENTIONALLY BLOCKING ME FROM REINVESTIGATING ALL MY ACCOUNTS ON FILE

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 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Since XXXX XXXX, 2017 I have been in contact with all XXXX major credit bureaus to dispute inaccurate account and inquiries. I have an account with XXXX XXXX XXXX which is an auto loan that I still have the car am making monthly payments on onetime the bureaus are reporting as charged off collection account which is invalid ; the bankruptcy ; also all inquires not attached to an account over 30 days old needs to be removed as well all XXXX bureaus had a glitch were unauthorized.

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 07/26/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Loan modification,collection,foreclosure

Complaint: This loan has been going through a tortuous modification process with Wells Fargo/ASC for years ... .at least since XX/XX/XXXX. There have been a plethora of document requests which have been complied with. After years of document requests, borrower received a variety of reason to deny modifications ... ..too much income, not enough income, modification application pages not initialed,??? single family property, on and on and on. Borrower appeals with specific request for certain verification and validation and servicer responds, but sadly the response is not on point, rather more mumbo jumbo. Most recently, borrower asked for explanation as to how borrower 's income was calculated. The response was .... '' thank you for your request for short sale. '' After inquiry from borrower, Wells Fargo/ACS indicated they had mistook a bridge loan contract ( part of hardship ) for a short sale contract????? To date, they have never given the verification/validation or explanations requested by the borrower in his appeal or any calculations supporting denial. Rather, the property is scheduled for sheriff sale, 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 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: XXXX/XXXX/XXXX -- I receive an email telling me there 's a change in one of my lines of credit. I clicked on the linked provided, where it takes me to a page asking if you want to view single report, or a 3 bureau report. I clicked on 3 bureau, and it goes through the process of generating the report. It never notifies you of a charge. I 've never paid for a 3 bureau report before, and never had to. XXXX/XXXX/XXXX I see a charge of {$39.00} on the card on file. There use to be a step in viewing reports where they would notify you of a charge, but they have completely removed that step.Every few months I 've been able to get a 3 bureau report for not charge, so I did n't think anything of it while requesting. 

Their tactics are now fraudulent. 

I call in to the XXXX number for assistance in cancelling, and they walk you through a menu, you then get to one that says, " to cancel, log in to your Experian account, where cancelling is easy '' ( paraphrasing ). 

I log into my account, and under, " how to cancel '' section, it says to call a different number, XXXX, which takes me back to the same XXXX call tree. This time I select 'Billing ', and then it says, " your estimated call time is more than one hour ''. 

After doing some online searching, I find that this is the normal course of action. Nobody can cancel their subscription, and the banks wo n't block the charge. 

This may lead to a class action lawsuit for their fraudulent activities. I 'm only looking for a credit for the report, and to cancel my monthly subscription. If the CFPB can put a stop to their fraudulent behavior, that would be a beneficial outcome.

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 01/30/2018 about Debt collection (Other debt) with SUNRISE CREDIT SERVICES, INC (MN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX called me and said they have not received my payment, so i logged in to my credit card companies website to provide them with the date and amount that was paid, and had them open a missing payment case. As soon as i got off the phone with XXXX XXXX XXXX, i called the credit card company and received a unique payment id number and called XXXX XXXX XXXX back and had them add the unique payment id number to their missing payment case. More than a month later, i received a letter in the mail from a debt collector, Sunrise Credit Services, and forward them the same paperwork proving that i had already paid the account in full before XXXX XXXX XXXX sold them a bogus alleged debt. Sunrise Credit Services has still not complied by removing the XXXX, bogus collections account from my credit report as i told them they are required to do by law. I am interested in pressing charges against Sunrise Credit Services for refusing to remove malicious lies from my credit report.

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 03/21/2016 about Consumer Loan (Vehicle lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (TX).
Issue: Managing the loan or lease

Complaint: I continue to be overcharged on my monthly payment by {$27.00}. Rep states they need the XXXX County Appraisal Districts Affidavit, which I have filled out and have had notarized, then mailed to them via certified mail four times since XXXX, 2016. 
Then, my next statement shows the {$27.00} overcharge again. I was told each previous time that the charge would be reversed and a credit to my account would appear. Never happens. I have spoken with multiple supervisors and have gotten nowhere. These people have no regard or respect for their customers time as I sit on hold over and over again, spending 30 minutes or more just to speak to one person, then get transferred multiple times, starting the process all over. Today, after 45 minutes just to get to a " supervisor '', this " supervisor '' hung up on me. This is the WORST company I have ever dealt with and I will never buy or lease another car from them. Very unprofessional and the worst customer service ever. If I have a signed contract, they can not continually overcharge my account.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Mortgage (FHA mortgage) with TD BANK US HOLDING COMPANY (MA).
Issue: Loan servicing, payments, escrow account

Complaint: The payments I counted on to meet my budget was confirmed by the bank. It was not until later that I was made aware that the payment had changed to an amount that I can not afford. All documentation that was given to me when I signed the mortgage showed a payment of {$1000.00} And that payment would be barley manageable but I could budget for that amount. The new payment that they are requiring is not affordable. Had I known what this new payment would be before the closing, I would not have signed the loan. 
I do not want to lose my childhood home and am looking for someone to possibly help me.

Company response to consumer: Closed with explanation