milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I have been trying to remove the truncated false accounts from my credit report. These account numbers belong to another person or an imposter using my name to obtain credit information. It is also noted in my investigation that by sending me account statements from the creditor dignifies ownership. I have a letter from the FTC attached to attest to this. These are the accounts that are not reported accurately due to the fact they do not express the full account numbers and they  MUST be r emoved immediately to avoid litigation  : 1.    XXXX   XXXX    XXXX   XXXX  2.  XXXX   XXXX   XXXX   XXXX   XXXX  3.  XXXX   XXXX   XXXX   XXXX     XXXX    4 .  XXXX    XXXX    XXXX  5.   XXXX   XXXX   XXXX     XXXX  6.  XXXX   XXXX  7.  XXXX   XXXX    XXXX     XXXX   XXXX  8.  XXXX   XXXX  I have attached the lawsuit to be filed as wells as  XXXX  vs. Equifax  XXXX   XXXX   Case. No.   XXXX  to show precedence to the court on the same violations I am seeking. I am not seeking monetary relief. I am only seeking the removal of the above accounts from my credit report as well as the unauthorized release of my credit report to the following companies : 1.  XXXX   XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX  2.   XXXX   : :  XXXX   XXXX      XX/XX/XXXX   3.   XXXX   XXXX    XXXX     XXXX   XX/XX/XXXX  4.  XXXX    XXXX   XXXX  :   XXXX   XXXX   XXXX   XX/XX/XXXX ,  XX/XX/XXXX  5.   XXXX   XXXX   XXXX    XX/XX/XXXX  6.  XXXX   XX/XX/XXXX  If these accounts are not cleared immediately, I will be forced to file the lawsuit attached forthwith and seek punitive damages as well as violations of the FCRA Section  623 including Defamation and willful injury at {$1000.00} per violation. May I also remi nd you of  XXXX ,  v.   XXXX   XXXX   XXXX   US , Court of Appeals  for the  XXXX  Circuit  Court  Case  XXXX   XXXX   XXXX ,    XX/XX/XXXX ,   Filed (  XXXX   XXXX   XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Credit card () with CITIBANK, N.A. (GA).
Issue: Billing statement

Complaint: After filing a complaint with the CFPB, the debt collection agency said to contact them directly to work out a solution. However, there has been no response to mailed or emailed contacts. I have yet to receive the information requested from either the original credit card company, Citibank or XXXX XXXX ( Law Offices of XXXX XXXX XXXX, XXXX, XXXX, GA ). I think that the paperwork I requested will show that the accounts was closed prior to the date reported and at a lesser balance. Please help. I made efforts to pay this debt and am still being penalized.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Debt collection (Medical debt) with Merchants' Credit Guide Company (CA).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: Merchant Credit Guide XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX I 've received calls from this company as early as XXXX AM. I can provide phone records from XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/24/2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (VA).
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint: I applied  XXXX / XXXX / 17  which I was declined due to incorrect information on my credit file. I then applied again on  XXXX / XXXX / 17 . I contacted  Wells Fargo explaining the information on my credit file was not correct. I challenged the information on my file which was removed, contacted Wells Fargo Executive Office, and  was told to re-apply thus they would pull the corrected credit report. I did so  XXXX / XXXX / 17 , I explained this to the agent on the phone and assured me that this would happen. Upon calling back, I was informed that I was declined for the same reason as the original with the incorrect information which had been removed and verified that  Wells Fargo had not pulled my updated credit report. I called back and spoke with a manager. He th en escalated the issue to underwriting who refused to pull the corrected information. Thus, in violation of the FCRA, I was placed in contact with  XXXX  from the  Executive Office at this time. I did inform Wells Fargo that this would be escalated to t his office.

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 05-04-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Closing/Cancelling account

Complaint: Complaint against Capital one bank : I am a new employee in XXXX with no credit history and applied for Capital One 's secured credit card which requires certain deposit amount to get a credit card, it was suppose to help me build my credit ratings if I use it well. Thus I went to bank branch, applied XXXX with banking officer, provided all the documents and signature which he asked ( SS, DL, etc ) and got it in mail to my address in few days. used it XXXX or XXXX time at gas station, also added auto payment as soon as XXXX statement was available. After a month or so, it stopped working so I called the tollfree number, they told me that account is closed. I was surprised and stunned, I asked why? lady says, we encountered some fraud with your account so we closed it. I requested to transfer me to the respective department who can give me some details, then I was talking to a lady from fraud department with no information, she kept on saying that its closed and we cant tell you anything more. no reason, no justification, no call, no mail or any communication to me. just closed my account. After lodes off discussion, she said I can try to reopen your account if you fax all the documents again, Next day I visited the bank and explained the scenario to the banking officer then he was on call with same department for 45 mins, and asked for my documents, faxed it to fraud department and asked me to wait for 24 hours. Nothing happened for XXXX more week, I called the toll free again and got same answer that your account is closed, if you wish apply again but will not give any information. I asked that at-least let me pay my last due amount so that my credit history is not effected, she says account is closed so you cant pay. I said " what ''????? I tried all possible options and finally writing this complaint out of frustration and disappointment, spent so many ours on phone and in bank with no help, felt so frustrated and demotivated thinking that they will spoil my credit history without my fault. And I do n't have anyone who can help me. I just started my job few months back so I do n't have buck lodes of money to hire an attorney too. Not sure what should I do. Hope this complaint can help me in any way. I am also thinking of talking to a police department since they said there was a fraud and we cant tell you anything, may be they will tell cops.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Payday loan, title loan, or personal loan (Installment loan) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My wife,  XXXX   XXXX  and I were married on  XXXX / XXXX / XXXX . On  XXXX / XXXX / XXXX  we became legally separated. During the period of our marriage we obtained a joint loan with  XXXX   XXXX   XXXX . ( At the time they were known as  XXXX   XXXX  )  XXXX   XXXX / XXXX / XXXX  a  Consent Judgement Entry  was filed dividing assets and debts between each of us. The agreement was for our assets to be divided equally and any joint accounts to be mitigated to the other account holder as sole ownership. All was completed except for  XXXX   XXXX  's role on this account with  XXXX   XXXX . Once I attempted to pay the account off, her signature was found to be required, because  XXXX  never signed the account over to me in sole ownership. A motion to show cause was filed, and  XXXX  was found in contempt of court, and is now the sole owner of the  XXXX   XXXX  Account.  XXXX   XXXX  continues to contact me, and threaten me by phone, mail and email to secure my belongings, garnish my wages, and imprison me. They are also reporting negatively on my credit report. Since I owe no balance, this must be removed immediately. I recently was denied a loan through  XXXX   XXXX  as a result of this negative information and high balance being listed on my report, and my APR went from 10.9 % to 18 %. This is due solely to this mistake. Since this is happening, I am seeking a settlement for damages from   XXXX   XXXX    Financial which they can bill to  XXXX   XXXX  's attorney  XXXX   XXXX , who has agreed to pay this law-suit of {$25000.00} in full to avoid being dis-barred for credit fraud, and imprisonment for violating my rights under the fair debt collection practices act, and fair debt reporting act.

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 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I ordered a free credit report from TransUnion. It states I have accounts with " XXXX XXXX '' and " XXXX XXXX ''. I called TransUnion to dispute these. I talked with " XXXX '' at XXXX ''. He told me there is no listing on my TransUnion credit report that states I have accounts with these companies, however, that is not what my report states ( that I just printed out before calling TransUnion XXXX. What can I do if my report states something the Credit Bureau states it does not contain?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Credit card () with U.S. BANCORP (WA).
Issue: Advertising and marketing

Complaint: I have a US Bank XXXX XXXX credit card. The card has an annual fee that is not waived. The card at the time of collection of annual fee had advertised a feature called XXXX night free, so if one would redeem points for a night at a hotel, the subsequent night was free. The annual fee was justified with this perk. 

However in XXXX they abruptly removed this feature. They also refused uniform compensation for the said removal. Multiple people have claimed a refund of annual fee for the year and XXXX total points as compensation being given by US bank to them. Ofcourse I can not validate the veracity of internet statements, but I have no reason to believe these people are lying. However when I complained at first they just said sorry and offered no compensation. Upon prodding for compensation they offered a mere XXXX points. 

I understand that product features are subject to change, however when you remove XXXX of your most advertised and valuable perks from a credit card with an annual fee, the compensation to the customers needs to be relevant and in line with changes in product. I am also not happy to see no uniformity in giving customers compensation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/16/2018 about Debt collection (Other debt) with First Advantage LNS Inc. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I called XXXX off and on for several years since ( XXXX ), and would never get anywhere but rude response from XXXX XXXX. I continued and tried to dispute the inaccuracy debt they had on my account reporting since XX/XX/XXXX under two names there using. One name is XXXX XXXX XXXX, and the other XXXX. My question is why are they reporting under two different business, and reporting on my credit stating I owe XXXX dollars. They are reporting inaccurate information, and when I called on XX/XX/XXXX to tell her that there reporting inaccurate information, got smart and nasty with me and said I do owe, and who are the other people on the joint account and where are they. I explained to her I do not owe, and why are you asking me about other people on account that I have no clue on why it's on mine. She began to argue with me, over talk me, and then hanged up on me. I called back to speak with XXXX XXXX again, still arguing with me, telling me to pay the whole amount, and I told her no, and she hung up on me again. I called back on XX/XX/XXXX to speak with someone else because I couldn't take speaking with someone that rude, and they told me I couldn't because she's the one handling the account. So I didn't speak with her that day, and I called back on XX/XX/XXXX and tried to speak real nice and polite to let her know again that the account is showing up on my credit with inaccurate information. XXXX XXXX said I remember you calling before and this is your account and you must pay, yelling into the phone. I told her that she was rude, and she shouldn't speak to people in such tone for no reason. She then hung up on me again, I called back to speak to her manager on ... got his voice mail. His name is XXXX XXXX. He called back on XX/XX/XXXX left a message because I missed his call. The very next day I called him back on XX/XX/XXXX and haven't heard from him since. Its ridiculous how they handle people at that company. it seems as though XXXX XXXX is the only person working every account and you can't talk to anyone else to get anything resolved. She's very rude, mean, disrespectful and out of control for no reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Multiple inquiries on my credit history have dropped my score severely, and at no time has anyone from the company with which the score was checked informed me about the massive effect hard inquiries have on credit scores. Because I have checked with multiple people about home loans, I 'm no longer able to qualify for a home loan because of the severe impact to my credit score, and I 'm now stuck in a poor living situation for what I 'm told will be at least 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient regularly and consistently fails to appropriately apply my student loan payments. I have XXXX loans ; XXXX are paid for by my cosigner, XXXX are paid for by me. I ca n't use their Autopay system ( which I 'm assured works better ) because they have previously withdrawn large sums of money without authorization. Instead we send payments with notes regarding which chunk of loans are to be paid with each payment. about every 6 months this system fails, and we have to start again explaining to many staff members how the money is to be applied. They typically tell me I have failed to make a payment ( even though I can see it on my account website ), they threat me with late fees and collections agencies. They make threats about putting my account in deliquency. I spend weeks walking them through how to apply the payments and to which loans. I am regularly lied to about whether they will/are correcting the issue. No one is accountable when that fails to happen. They sometimes call a dozen times a day about it. I have spoken repeatedly to their Consumer Advocate office to no avail. I have determined that on time, in full payments are not ideal to Navient. They would prefer defaulted loans that they can bleed for late fees and collections fines.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 about Debt collection (Credit card debt) with RAS LaVrar, LLC (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: XXXX XXXX XXXX took me to court i didnt know it till i was served .i won the case against this lawyer.the judge evan wrote a 10 page law review article on the case. XXXX XXXX is the person who filed the case against me in court.the llc was just opened around the time XXXX XXXX was alleging i was in default.as i looked on XXXX XXXX an seen the llc 's that this attorney has opening an closing them, is crazy illegal to me.but he is the man im directed to when trying to resolve this issue. in my previous complaint about the reporting agencies. i will be filing a florida bar complaint as well as this i had a recent score of XXXX i was proud but since the end of court i havent recieved my XXXX dollars he owes me from court.and my credit is droping in some instances 50 points or more.because of his actions i have contacted him he represents XXXX   XXXX so he is in charge of the matter this man knows i won the case and so know between XXXX  XXXX and this attorney my credit is toast.because of these actions i fill victimized by this atorney.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Debt collection (Medical) with Kross, Lieberman & Stone, Inc. (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Kross.Lieberman and Stone is shown on my credit report as the debt collector XXXX for a XXXX medical collection. I did visit XXXX on XXXX/XXXX/XXXX and my insurance company was supposed to pay and did n't. XXXX collected my {$30.00} co-pay at the time of service. The total bill was {$320.00} but Kross/Lieberman has reported an outstanding balance of {$420.00} on my credit report. I wrote XXXX on XXXX/XXXX/XXXX offering to settle for {$150.00} but have yet to hear from them on my settlement offer. I battled with my insurer, XXXX of NC, for years to no avail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft and there are currently 8 collections being reported to my Equifax report for multiple debts I did not create. I have disputed these accounts several times with Equifax and they are refusing to delete them from my report. In my most recent dispute, I requested Equifax block these accounts from being reported on my credit as is my right under the Fair Credit Reporting Act 605B ( 15 U.S.C. 1681c-2 ). Under this statute, a credit reporting agency must block the reporting of any information that resulted from an alleged identity theft if the consumer can provide appropriate proof such as an identity theft report. I have sent Equifax a copy of an identity theft police report I filed with my local XXXX County Sherriff 's office on more than three separate occasions. To this date, the only generic response I have received is that the accounts have been verified and can not be deleted. The collection company who is reporting these eight debts on my credit, " XXXX XXXX XXXX '', has not been able to prove that they have the right person in their records and has n't removed this inaccurate information. I am filing this complaint because Equifax is refusing to acknowledge my request to have these fraudulent accounts BLOCKED. It is my right as a consumer to request this and I will make sure Equifax is held accountable to the full letter of the law if they do not honor my request. I am attaching a section of a recent credit report which shows these eight collection accounts, the balances being reported, and the account numbers they have on my credit. The first account was opened in XX/XX/XXXX is for {$2300.00} and has an account number of " XXXX ''. The second account was opened in XX/XX/XXXX, is for {$2000.00} and has an account number of " XXXX '' .The third account was opened in XX/XX/XXXX, is for {$67.00} and has an account number of " XXXX ''. The fourth account was opened in XX/XX/XXXX, is for {$170.00} and has an account number of "  XXXX ''. The fifth account was opened in XX/XX/XXXX,  is for {$820.00} and has an account number of " XXXX ''. The sixth account was opened in XX/XX/XXXX,  is for {$6100.00} and has an account number of " XXXX ''. The seventh account was opened in XX/XX/XXXX, is for {$190.00} and has an account number of "  XXXX '' .The eighth account was opened inXX/XX/XXXX, is for {$990.00} and has an account number of "  XXXX ''. As you can see, only Equifax is reporting this to my credit at this time. XXXX and XXXX have deleted all records of these accounts because they were opened as a result of identity theft. How can XXXX and XXXX get a different dispute result for the same dispute I am sending to Equifax?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Pinnacle as they do with so many consumers fail to address the issue at hand and think that simply proof that a debt accures is sufficient evidence to ruin people lives. Pinnacle has an F rating with the XXXX and they no longer except rebukes from Pinnacle for this reason

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: During the month of XX/XX/XXXX and XX/XX/2016 I received to negative marks on my credit report for my student loans that I had faxed over correct paperwork two separate times to have my repayment plan updated. I was told they were received and I would get a response from them with in 30 days but while paperwork was being processed there would be an administrative forbearance added to my account so that it would stay current. this never took place and fro that my account went past due I have submitted and goodwill adjustment but nothing ever happen come to find out the lady whom handle my call entered my email wrong and I never received correct documents and now Nelnet refuses to honor the agreement that account would be updated

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX : Account balanced has been cancelled and debt satisfied. Please correct error on the status balance to ZERO. I have dispute this and no action has been taking, please correct.

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