milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I sent the Credit Bureaus along with this agency ... Certified letter, affidavit of fraud, police report..My ohio drivers license ... and copy of social security number. I instructed the bureaus to valid all debts Public and private with the following according to the Fair Credit reporting act sections : 604, 609, 611 and 613 ... so there was no misunderstandings about my request according to federal laws. I instructed the bureaus to validate my accounts thur Original Documentation..original contracts and signitures. They never producted any thing ... nor would they tell me how there investigation started, or ended. I later called all said " Creditors '' and they advised me that the Bureaus Never contacted them. Whereas the bureaus state that they did a thorough investigation according to fed laws. Please refer to docs sent to this agency that 's on file. The bureaus took some items off ... back they are now still reporting ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Twice this year, in XXXX and today ( XXXX/XXXX/2016 ), it was brought to my attention that XXXX issues remain on my credit history despite all my effort and assurances they would be removed. These issues seriously lowered my credit score. The credit directory at this complaint is Experian. XXXX and a legal document proving that the matters were in error and/or closed are attached. XXXX XXXX was resolved more than a year ago with the help of CFPB, but it remains on my credit history also.

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 09-10-2017 about Debt collection (Other debt) with ERC (IA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: ERC submitted negative information to my credit profile that has already be deleted with another creditor who provided me a letter of deletion. I advised ERC the account was a established without my permission and paid the account with the understanding they would be settled an removed. I contacted ERC a half dozen times maybe more to request a letter of deletion of the info that had not been reflected perviously. This has caused me not to be able to continue with my home purchase with one of the lenders I was going to use.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Unsolicited issuance of credit card

Complaint: Capital One XXXX has me as " potentially negative '' and account status as " open '' as of today 's credit report viewing of all XXXX credit reporting agencies. I have no idea how this is possible since I had closed that account years ago and never touched it again. So all XXXX are showing wrong information due to XXXX and Cap1. 

I am widow XXXX

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 Experian Information Solutions Inc. (NV).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: Hello, I saw an ad on TV that Experian is doing free scan amid hacking of the XXXX. So I went on to www.experian.com/scan. It asks you to enter your email address then click on " Scan '' then it supposed to scan your credit (? ) or if you have been affected by the hacking of XXXX data. It says the website has sent me an email but never received anything. Is this to get my info or looks like a scam by Experian 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 explanation
Consumer complaint received 01-08-2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Billing disputes

Complaint: AS INSTRUCTED BY XXXX CONFIRMATION RECEIPT, I CALLED TELEPHONE NUMBER GIVEN XXXX ON XXXX XXXX, 2016 UPON ARRIVAL AT XXXX XXXX XXXX, ( APPROX XXXX ) TO HAVE SOMEONE PICK ME UP TO GET THE CAR RENTAL IN NERABY PROXIMITIES. I WAS INFORMED BY REPRESENTATIVE WHO TOOK THE CALL THAT THERE WILL BE AN EXTRA CHARGE OF {$17.00} PER DAY TO THE EXISTING RESERVATION BECAUSE THE PICK UP WAS SUPPOSED TO OCCURR AT XXXX. I EXPLAINED TO REPRESENTATIVE THAT I HAVE NO CONTROL OF FLIGHT DELAYS AND CUSTOMS DETENTIONS W/ THE LUGGAGE. HOWEVER, IT APPEAR THAT YOUR COMPANY IS CARELESS ABOUT THIS DELAYS PROCESS AT THE AIRPORT. IT WAS NEVER INFORMED TO ME THAT I WAS GOING TO BE PENALIZED FOR THIS. I SAID THEN THAT IF EXTRA CHARGES WERE GOING TO BE APPLIED TO MY EXISTING RESERVATION WITHOUT TAKING IN CONSIDERATION THE DELAYS OF THE FLIGHT, THEN I WILL NO USE THEIR SERVICES. I WAS NOT INFORMED OF ANY CANCELATION FEES AT THE MOMENT. MY POINT IS THAT I DID CALLED TO HAVE SOMEONE PICK ME UP AT THE AIRPORT TO GET THE CAR AND YOUR COMPANY DECIDED TO PENALIZED ME FOR THE DELAY SO I DECIDED NOT TO USE YOUR SERVICES.

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 02/27/2017 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: There is a hard inquiry on my report that I did not authorize. I called XXXX and spoke with a representative who said that they would note that I called and that I did not authorize this inquiry on my report. I followed up with a letter explaining the same thing. I have not received a response from XXXX and it has been over 30 days. I have uploaded the letter and the certified mail receipt. This inquiry needs to be removed because I did not authorize it.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have disputed the debt with the credit bureau, and the debtor has failed to validate the debt is mine. I am requesting the collection item be removed immediately due to noncompliance of the section 809 of the Fair Debt collection practices act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Debt collection (Other debt) with ProCollect, Inc (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Debt is not mine. Trying to bill me for an apartment lease.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Other

Complaint: This credit card company Kohls/Capital One is reporting on my credit report {$1200.00} of debt. I requested proof bearing my signature on XXXX XXXX, 2016 because I do n't own or have ever owned this credit card and disputed the charge with them. They have failed to do so and also they have also failed to mark my account dispute within 30 days as the Federal law requires them to comply. I have sent three letter since that time they have not provided me with anything especially my signature and they finally way after 30 days marked it disputed. I have copy 's of them receiving my certified mail on XXXX XXXX, 2016 @ XXXX. I also have proof of my credit report printed 31 days later showing they have not marked disputed on my credit report. I am requesting removal on all three credit bureaus because its not mines and they have not gave me anything bearing my signature well over during the time the law required.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Consumer Loan (Installment loan) with BTH Management (DE).
Issue: Problems when you are unable to pay

Complaint: I was unable to pay back loan due to divorce and increased debt and same income. The debt was passed off to new company which advised that they sent me a letter in XXXX 2015. I had not received any correspondence until I saw debt on credit report which did not offer the 30 days time frame to dispute or make payment arrangements before the being reported to bureau. Upon seeing the debt I called the number on my credit report and the representative advised me that there is no opportunity to settle the debt. I advised of my situation and she said no. I called back today which I was able to settle the debt and be placed on a payment plan. Also, the lady I spoke with apologize and told me sorry about the letter but there should have been one sent XX/XX/2015 but she is nor sure why so she will send me an email version. I just received a validation of debt which if was received I would have avoided the credit bureau report and settle the debt since my financial circumstances was getting better a the time and I Had a new job offer which was going to pay more. With me not getting the provisions that the fair debt collection and credit reporting act afforded me this debt is now on my credit bureau and is negatively impacting my ability to possible maintain a security clearance which is needed to maintain or obtain other paying jobs. I am requesting that since the 3o days which was just afforded to me today was not given in XX/XX/XXXX that this debt be removed form credit report, especially since I have now made a payment arrangement that is set from my debit card.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hello, I have hard inquires on my credit report I would like to get removed I have not received loans by any lenders and I have not authorized these things please help me remove my inquires as far as my credit report. 

Thanks

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 06-11-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Illegal Re-Aged Account : When I disputed the account through Experian in XX/XX/XXXX XXXX XXXX XXXX re-aged the Account. The credit report dispute shows the date of first delinquency to to be XX/XX/XXXX. XXXX XXXX XXXX has reported this negative for 9 years so far. The other Credit reporting agencies removed the account, Experian has not.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: This is an Alert to help you manage your credit card account ending in XXXX. As you requested, we are notifying you of an online, phone or mail order charge. A charge of ( $ USD ) XXXX was authorized at XXXX XXXX XXXX ... on XX/XX/2017 XXXX XXXX EDT. Do not reply to this Alert. If you have questions, please call the number on the back of your credit card, or send a secure message from your Inbox on www.Chase.com To see all of the Alerts available to you, or to manage your Alert settings, please log on to www.Chase.com. I received 2 of these alerts that these charges had been allowed to go through. I have been compromised several times and they said I was on high alert and that unusual activity would prompt an inquiry from Chase. For example ... I called and gave them notice that I would be putting a large amount to pay my construction contractor and they put me through a rigorous security check before approval. However,,, the security seems to have lapsed for these 2 fraudulent transactions which they did not subject to scrutiny at all! I feel they were negligent and derelict in their duty especially since my account is supposed to be on some kind of high alert status.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2015 about Debt collection (Credit card) with Forster & Garbus LLP (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: FORSTER & GARBUS IS ATTEMPTING TO COLLECT A DEBT FROM ME ON A XXXX XXXX CREDIT CARD ACCOUNT THAT IS FROM SEVEN YEARS AGO. THE DEBT IS NO LONGER LISTED ON ALL THREE OF MY CREDIT CARD REPORTS.THE DEBT IS LISTED AS BEING FOR THE AMOUNT OF {$970.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: A Quit Claim Deed was filed on XXXX/XXXX/2014 from a third party foreclosure buyer of an HOA foreclosure to deed the house to The Bank of New York Mellon F/K/A The Bank of New York, as Trustee for the Holders of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. The Bank of New York Mellon has refused to acknowledge the Quit Claim Deed and has not accepted ownership of the home located at XXXX XXXX XXXX, XXXX, FL XXXX. The house was abandoned by the homeowner more than three years ago and is an eyesore and danger to the community. The pool in the backyard is black and disgusting and remains uncovered and unsecured. The fence surrounding the backyard is in a state of disrepair. There are black stains covering the outside of the house, and the lawn is unkempt. The pool is a breeding ground for mosquitos which is a threat of disease for the residents in the area. There are small children that live on the same street that have not been allowed to play outside due to the parent 's fear that they will somehow access the backyard of the home through the dilapidated fence and gain access to the black pool and drown without anyone knowing.

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 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
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: Equifax continues to report inaccurate information my credit report even after sending them supporting documents. For some reason Equifax did not remove it. I 'm a little confused here. How is it that the other  XXXX  bureaus removed the inaccurate information and Equifax did not? I thought they were contacting the same furnisher about this inaccurate information. If the furnisher verified that the information was incorrect with the other  XXXX  bureaus, then why would they not do the same with your company? Are you sure you contacted them because this inaccurate information is stopping me from getting approved for credit, and I 'm starting to get upset. Believe me, it takes a lot to get me upset. I think your company made a mistake with this account given the fact that the other bureaus found that these accounts were inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (GA).
Issue: Account opening, closing, or management

Complaint: I was a customer at chase bank, I recently found out that someone had been trying to hack into my account. I 've gotten emails from the bank saying that there was a large amount of money goin into my account, it seemed weird, a couple of days later I noticed that my own money that was already in my account was starting to disappear and that 's when I went to the bank to find out what was going on. The young man that I spoke to be told me that someone was trying to deposit fake checks into my account and by them doing that they froze my account and they also told me that I could never open an a account with them again nor could I take my money that was left in there. I felt like that was n't right I should n't be punished because of what someone else did and you telling me I ca n't take the remainder of my money! I work hard for my money and for you to just take it away like that was not right and now I do n't know what else to do, so I 'm hoping you guys can help me to fix this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Debt collection (Medical) with Allied Collection Services, Inc. (Nevada) (NV).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I am attaching in the form of an attachment a Motion to Set Aside Judgment and Request for Sanctions for violation of the Fair Debt Collection Act that will be forwarded under separate cover unless there is a way to attached a filed hereto.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Debt collection (Payday loan) with CNG FINANCIAL CORPORATION (SD).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I had a loan with Check n go and was keeping up with my payments up until almost the end of the loan. I have received a few emails from them, and I only still have one. But one of the said that they could see that I had borrowed money from them and " Never bothered to pay it back '' which is not true, I actually paid them more than I had borrowed to begin with, I just fell behind before I made all of the payments including interest. I consider that offensive, because they are trying to shame me in to the rest of the payments by saying I did n't bother to pay. I had already paid well more than was borrowed to me, and I was trying to keep paying them, but groceries are more important. I have also received unsecured emails that fully disclosed my debt and account numbers. Things that I would consider personal information with no security at all. I am familiar with the FCDPA and I feel like my rights within that have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: My credit report has an incorrect address. The address on the report is   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ,  NV. Other than when I was in the  XXXX , I have lived in Colorado my entire life. Associated with this   XXXX   address are bills from  XXXX   XXXX  and  XXXX   XXXX   XXXX    XXXX    XXXX . Both amounts are less than {$100.00}. Every time I dispute these bills and ask for source documents to prove I owe, the bills are sold to collection agencies. When these receivables are sold as a package, the collection agencies reopen the outstanding debt, and it reappears on my report. I have a substantial credit history with mortgage, car loans and credit cards. I have NEVER been late on ANY amount I owe. There should be some protection against collection companies windmilling these bogus receivables. Thank you for all you do.    XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-01-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX. This is the first opportunity I have had to examine my credit scores. I have a dispute with a lien listed as XXXX. I came to an agreement with XXXX XX/XX/2016 and this account is almost paid in full. My understanding from their attorney is that this lien would be removed from my report immediately. I will pursue legally with them but would like to know what documentation you need to remove this from my credit reports. 
Thank you in advance for your assistance. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is a fraudulent    XXXX   XXXX   XXXX    account on my credit report. I have sent an affidavit with a notorized police report stating the false account. The account was opened somewhere a round  2014  and is for an amount totaling around {$15000.00}. I have requested by an affidavit that they provide me with th  e ORIGINAL contract signed which is stated by federal law through the FCRA Section 609 ( a ) ( 1 ) ( A ). They have still not provided me with it. In Texas every creditor is required to be bonded through the Secretary of State in which the    XXXX   XXXX   XXXX   is not. Please remove all accounts from my credit report immediately. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 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: Account status incorrect

Complaint: I had one issue with false delinquency being reported on my account and the company that reported it confirmed it will be removed in 30 to 60 days, great!!!! 
Now Experian just dropped my score by 22pts today XX/XX/18 and it's showing I was late on a payment last month bit doesn't provide which account it was reported on and like I said before, I NEVER MISS PAYMENTS ... .. Experian I am tired of the false info being on my account and never being able to get straight answers on who, what or why it's there. 
I just want the stuff off my account.

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