milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: all are being reported on XXXX, transunion and XXXX. They did not have my permission to run my credit and i have been fighting to show proof in writing and no one has provided me this informatiom. 

XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX IXXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX & XXXX Inquiry from XX/XX/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 01/26/2018 about Payday loan, title loan, or personal loan (Installment loan) with MIDDLE GEORGIA MANAGEMENT SERVICES (GA).
Issue: Problem when making payments

Complaint: Collections manager came out and gave loan information to family member without my consent as well as showing court paperwork to them while i was asleep.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Debt collection (Other debt) with Rent Recovery Solutions (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I cosigned for my niece, so she could move into an apartment the XXXX school year. I have not been on any of her leases since. XXXX XXXX XXXX, XXXX has been trying to collect a debt invoice from the 2017-2018 lease, I am not on that lease. Further more the amount they are trying to charge is twice as much as stated in the lease, which would invalidate the invoice also. 

I have talked to XXXX XXXX XXXX, XXXX, they have put my case on hold in XX/XX/2018, but have recently ( XX/XX/2018 ) reported the debt to the Credit Bureaus. XXXX XXXX XXXX, XXXX today ( XX/XX/2018 ) says it is their " Right '' to put the debt on my record even though it is " Under Investigation '' with them. 

On XX/XX/XXXX XXXX XXXX XXXX, XXXX said they would send me all documentation they have about me, they never did, and now refuse to give me any further documentation about the debt ( they hung up on me during the phone call this morning ).

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: They lied. They claimed that I have  XXXX  open accounts. It 's not true. I only have  XXXX  open credit card accounts. They gave false report and scores to the car loan company. I could n't get the loan because of the companies ' false reports. So my dad cosigned with me because he has great score.

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 02/21/2017 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: back on or about XXXX/or XXXX of XXXX XXXX took me to court in lue of {$800.00} in which we agreed that I would pay them off in six months, which I did and to find out that they did n't uphold their end of the agreement by turning my name over to a creditor name Equifax stating that there is a judgement against me which was satifided in XXXX of XXXX, but is still on my credit report.Which should 've been removed and furthermore XXXX XXXX is no longer in business, and was contacted on XXXX XXXX XXXX by BBB. company stated they are out of Business.BBB report on a company that is out of business for three years from the date the company closes its doors or ceases to do business.Why are you as the creditor ( Equifax ) continue to uphold a judgement against me on my credit when I satisfied my debt with XXXX XXXX and I need this judgement removed from my credit and send me something in writing that this matter is settled and removed off my credit, thank you inadvance yours truly XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2017 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (IL).
Issue: Managing the loan or lease

Complaint: I am automatic withdrawal for my monthly payment. There is plenty of money in the account to cover the payment. I see a {$52.00} late charge on my account. This can only be due to Wells Fargo mistake. I want the late charge removed. I have been on hold for 45 minutes waiting to talk to their agent. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX 2017 with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from XXXX, Equifax, and XXXX with no success. They have refused to update information. Accounts to be removed : XXXX XXXX # : XXXX and all non-account holding inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Debt collection (Other debt) with Security Credit Services, LLC (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Security Credit Services LLC. has adopted illegal credit reporting practices. This company is varnishing fraudulent information onto my personal credit report. I have not authorized this company to receive any of my information. This account is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (FL).
Issue: Unauthorized transactions/trans. issues

Complaint: Recently rush card had an outage or system update I 'm not sure really, but I did n't notice until I noticed that money was drastically taken off my card without my approval. I have tried contacting them numerous times but the only thing I was getting was a pick up and hang up.which was very odd. That 's when I got online to see if maybe there was another phone number available and seen that there were so many complaints, and so I happened to come across the consumer financials phone number. All I want is my money back as soon as possible. I have XXXX kids and I 'm a single parent and every penny I work for I DONT approve of it just being tooken away I mean who would? ... ..

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Trans Union is not responding to my requests to investigate and remove some accounts from my credit file that do not belong to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Debt is not mine and does not belong to me. I have contacted XXXX and they have no record of my information. I have received several letters from the collection agency non stop and even at one point advised them it was included in a bankruptcy so that they would quit contacting me. The calls did not stop and neither have the collection letters. Since then this item has appeared on my credit report drastically reducing my score and affecting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 11-03-2016 about Credit card () with CITIBANK, N.A. (KY).
Issue: Delinquent account

Complaint: XX/XX/2014 my sears credit card had a balance. On the day payment was due, I received a text as a reminder. The following day I called sears to pay the full amount due, as well as confirm that there would n't be a negative impact on my credit report. The woman I spoke to told me that there was a 30 day grace period, which I was well within, and that if I had been late past that period, that they have a " one time '' late payment forgiveness. At the end of the conversation I confirmed there were not late fees assessed, and she said that it would n't show up on my credit because it had n't been reported as a late payment. Since then I have pulled my credit report for 2 years in a row and it has been reported as a late payment. I have submitted multiple disputes with the credit bureau 's which come back as updated, however when reviewing the dispute results the negative information remains unchanged.

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 11-07-2015 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am protected by chapter XXXX bankruptcy from having creditors report me as late or showing a balance that is inaccurate. on my experian credit report XXXX accounts, XXXX are shown as reporting late payments and balance due. The accounts in question both note that I am a chapter XXXX wage earner. these accounts are reported correctly on my XXXX report but are not accurate on experian or XXXX. Per my bankruptcy confirmed in XXXX 2013 both of these accounts are included and should be reporting no late payments and XXXX balance. I have made all my bankruptcy payments on time to my trustee and i believe that this is a violation of the fair credit reporting act. This is causing an issue. i am trying to get an fha streamline loan and this inaccurate information is preventing me from moving on with my credit recovery.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Around Fall of XXXX, I received a collection call from a company I never heard of nor ever did business with : XXXX. Then I started receiving demand letters about a loan they made online and sent to a bank ( XXXX ) where I 've never had any type of account ever. I never received a monthly statement, an email or any communication but allegedly " my account '' was months over due. I told them it was not me, I did not know them and never made any online or other loan. They passed me to their fraud department at XXXX. They never sent me any documentation about the alleged loan, like signature or application papers or dates as required by FDCA law but ultimately stopped calling. 

Then later in XXXX they sold ( I guess ) their junk paper to XXXX XXXX XXXX  without disclosing the identity fraud and XXXX XXXX XXXX starting to harass me. This time, as suggested, I filed a criminal complaint with local police and the Federal ITVA ( Identify Theft Victim 's Complaint and Affidavit. I also put fraud alerts with all major credit reporting agencies. This info was made known to XXXX and they stopped calling. 

Now, it appears XXXX XXXX XXXX has sold their junk paper again without disclosing that it was a fraudulent loan and XXXX XXXX started calling. After telling them the story and asking for documents, it reply is maliciously placed derogatory information into my credit report showing this is under currently collection.

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 12/27/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Other

Complaint: The processing department at Capital One does not process the payments on day received, causing late fees and interest charges. Capital One states it takes 10 business days for payments to reach them. I have mailed payments well before the ten days and they still hold the payment for posting up to 4 days.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I would like to start this letter off by, first of all, thanking your company for the great service that Ive experienced as a consumer. I have been a very dedicated customer and am now in need of your help.I was never late 30 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.

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 03-01-2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I owned {$12000.00} to XXXX Account # XXXX. Midland Credit Management Inc. acquired this account.Their # XXXX and advertised a payoff of {$3600.00} I paid this amount in full. They issued a statement " This account was satisfied on XX/XX/XXXX and you have no further obligation on this debt ''. This XX/XX/XXXX I received a XXXX for the balance {$8400.00}. I have written documentation on all my words made here.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2015 about Bank account or service (Other bank product/service) with Fidelity National Information Services, Inc. (FNIS) (MO).
Issue: Account opening, closing, or management

Complaint: Chexsystems is reporting that I have some kind of defaulted or NSF Check or account and therefore I am unable to open a bank account. I filed a complaint with Chexsystems and they say No Information Found, yet they still report me. My Consumer ID is XXXX XXXX XXXX. This is incorrect and needs to be corrected immediately. They have provided no information to support their reporting. 
XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, MO. XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Debt collection (I do not know) with Harvard Collections, LLC (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I was on payment plan with  XXXX  for overpayment of benefits that i was paying $   XXXX   month for  $ 700+  overpayment. I received a credit alert th at Harvard Collection ag ency was reporting this debt as collection item in  XXXX .  XXXX  has con tinue to accept payments under the agreement we had. I do n't have a debt with Harvard Collection and they have caused my credit to suffer significantly by reporting this derogatory account.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (WA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX shows late payments and I have never been later.   They say that on there end they don't show late payments.  I contacted them last on XXXX XXXX 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (AP).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech Financial LLC, seems to have creative accounting practices. I had a " Green Tree '' mortgage that was moved over to Ditech due to their legal issues. I have incurred an advanced debt on my account. The debt I was told, occurred in 2011 for property maintenance that was conducted on the home. My account was charged over {$200.00} to cut the grass and various charges that are excessive. These fee 's are very questionable at best! I have called Ditech concerning paying off the debt. I was told to send a separate check with written direction on where the extra money is to be applied too. I have written on the check and the payment coupon on where the extra money is to be applied you. I have done this countless times. They have taken the money and applied it to either my escrow, advanced interest, or in an unapplied balance account. My escrow now has over the amount need to pay my property tax. I pay my own insurance. I also have balance in my unapplied balance account. They never apply the money to the advanced debt. They continually charge my mortgage a monthly late fee and a property appraisal fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have a notice on my credit report from XXXX XXXX XXXX that a loan that I co-signed for is in collections. The loan was my sister 's and showed up on my credit report after she declared bankruptcy. My dispute is that the l last payment on the loan was in 2008, and the creditor has systematically moved the last payment date to keep the account on my credit rating. This is illegal, and all XXXX credit bureaus have allowed to continue. By law, this should have been removed after 7 years. Repeated requests to both the credit reporting companies and to the creditor for documentation has been ignored -- another violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX no contract no signature

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 05/26/2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: on XXXX XXXX I sent a certified letter containg a credit validation letter to the company to validate the account which they recieved on XXXX XXXX and I never recieved a response and the item still remains on my report

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (IL).
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: In XXXX XXXX, Chase Bank initiated a foreclosure action against me in XXXX XXXX, Illinois, Case No. XXXX CH XXXX. My answer and affirmative defense was filed. I received a a XXXX settlement, Ref # XXXX in XXXX XXXX. In XXXX XXXX, Chase and I reached a settlement in which I received a cash payment and loan modification. A clear credit clause was not included because my credit was not affected. Immediately following the settlement, Chase reported approximately XXXX late payments to all 3 credit bureaus. Since payments were abated during the litigation, this reporting is inaccurate.The late payments that accrued are now over 7 years old. When I became aware of the issue, I filed disputes with at least two credit bureaus which were denied. I am legally unable to document this matter with the credit bureaus due to the non-disclosure clause in the settlement agreement. I contacted Chase credit department on XXXX XXXX, XXXX to resolve the issue and spoke with XXXX XXXX. My dispute was escalated and denied.On XXXX XXXX, XXXX, I spoke with XXXX XXXX and the matter was escalated. The manager I spoke with told me that I had late payments by looking at her computer screen. I explained the matter and she requested documentation. On XXXX XXXX, at approximately XXXX XXXX CDT, I faxed the attached documentation to Chase.The case was escalated to XXXX XXXX. On XXXX XXXX at XXXX XXXX, Chase employee XXXX XXXX admitted that XXXX XXXX composed a letter of denial on XXXX XXXX, prior to receiving the faxed documents. Chase has not used due diligence in its research and continues to cause me economic hardship, loss of billed time, and emotional distress.

Company response to consumer: Closed with explanation