milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
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 send Transunion several letters requesting they make justifiable corrections or removals of unverified or invalid allegations of account information to meet federal reporting standards of completeness of the current reporting status, timeliness, truth, accuracy and compliance else wise of every single one even each any and or of the aspects of alleged account information documentary to be proven mine do to future enhance your adequate and mandated compliance to proper and fair reporting. After reviewing my credit report I found a number of items on the report inaccurate and they have failed to correct it. I send about several letters the last one was send certified tracking number XXXX. They have failed to send me copies of the documents that they have in their file as of this date that was used to verify the accuracy of the following late payment that is currently being reported on my credit report with the XXXX. I Also Reporting inaccurate addresses that I currently DO NOT reside at in which I called several months ago requesting for them to remove from my credit report in which they are still reporting the following that needs to be removed XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. As well as a couple of employers XXXX XXXX and XXXX XXXX XXXX. Also a few inquiries that I did not authorize. XXXX. XXXX XXXX XXXX/XXXX/XXXX. XXXX. XXXX XXXX. I contacted the original creditor as suggested and have disputed these items but transunion is still reporting these unproven to be authorized alleged inquiries.

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 09-07-2017 about Debt collection (Federal student loan debt) with Texas Guaranteed (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter datedXX/XX/XXXX stating that I owed a student loan debt in the amount of {$31.00}, XXXX to a company called TG. Their address is XXXX XXXX XXXX XXXX XXXX, TX XXXX Their phone number is XXXX. Their website is www.tgslc.org.
This letter threatened to enter me into the DOE offset program to garnish my wages and tax returns. I called the company, who instructed me to send them all of my personal info documents -- driver 's license, social security card, etc. I refused to do this, however, since I have no business with this company, and the more information I give them, the more likely it is that they can steal my wages and tax returns. I sent them a debt validation letter.
They returned a letter to me with a promissory note from someone with the same first and last name. That is where the likeness stopped. This person has a different middle name, different social, an address where I have never lived, a phone number I have never had, different birthdate, a city I have never lived in, a different driver 's license number, a lender name I have never used, and relatives with whom I have no relation to.
Furthermore, they are still demanding my sensitive personal information along with FIVE writing samples from XX/XX/XXXX. I do not want to provide this information to a company that I have no business with.
TG has shown gross negligence in identifying their debtor. This can not be a simple mistake. I only share this woman 's first and last name. No other like identifier exists. They also violated this woman 's privacy by sending me her promissory note with all her personal information. I would hope that the company has better privacy practices than this.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Experian has not provided me, to date, their reinvestigation procedures, & additional documentation provided to them, in the matter of my dispute with XXXX XXXX XXXX , XXXX. This is clearly a violation of the FCRA, which enforces fair credit reporting by the credit bureaus. To date, Experian continues to falsely report XXXX XXXX XXXX , XXXX Account # XXXX as a contractual debt under my name, without conducting a proper reinvestigation of my dispute. They have not provided me any further information which supports their verification of the item, and have not weighed impartially the documentation that I provided to them. 
In support of my complaint against Experian, I am attaching the results of XXXX 's investigation of my complaint with XXXX XXXX XXXX , XXXX. XXXX conducted a proper, impartial investigation of my dispute, and deleted the false information from my credit file. XXXX has failed to conduct a proper reinvestigation of my dispute, or provide to me their verification procedures and additional documentation provided to them, in making their decision. Based upon their actions, XXXX has violated the FCRA regulations, and should be penalized accordingly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Debt collection (I do not know) with Lionstone Holdings Group (OH).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I was called by a number marked " Unknown '' '' by the caller ID. This is a pretty good indication this call was not made by a representative of the court. In the call, no creditor was mentioned, nor was the name of the credit company, tactics I believe were done specifically to provide deniability. I was told I would be served papers XXXX XXXX if I did n't call XXXX regarding account XXXX. I called the number, and it is a collection agency known for somewhat shady tactics called Lionstone Holdings, LLC. I did n't give my name or information, as I have no idea what this is even pertaining.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Consumer Loan (Installment loan) with Western-Shamrock Corporation (AL).
Issue: Problems when you are unable to pay

Complaint: On XXXX XXXX, 2016 at approximately XXXX, I went inside XXXX in XXXX Alabama with my XXXX year old daughter. I walked passed Western Finance who I have a loan with. While I was in the store, I saw a familiar face walking around the XXXX on her cell phone. I forgot something so I got out of check out line at XXXX. I saw that same woman looking at me but again, I thought nothing of it. I got back in line. As I was leaving the store, that lady left said something to another lady outside XXXX. Then she went into Western Finance. Next thing I knew, the lady she spoke to & STOPPED MY XXXX YEAR OLD DAUGHTER by HUGGING HER VERY HARD, SHE COULD N'T GET AWAY FROM HER GRIP as if she knew my daughter. I immediately recognized her as the MANAGER OF WESTERN FINANCE. She says to me ... .WHAT HAPPENED TO ME? I 'm like excuse me? Did you just follow me into XXXX XXXX? We 're you waiting on me? She says yes, I saw you walking by. She mentioned, she had been looking for me and she has called my mother, and she 's even been by my mama 's house. I said what, you 've BEEN BY MY MAMA 'S HOUSE? You went by mama 's house for XXXX not XXXX? She said yes ma'am to all the questions. She asked me if I still lived in XXXX. I told her she was harrassing me. In fact, she was stalking me by sending her employee in XXXX and then waiting on me outside the XXXX door, blocking my way on the sidewalk. She informed me that they are allowed to do that. If they see you. I said you all are allowed to harrass your clients outside another store? She said yes. I asked her for her card. I told her I 'd be filing a complaint. She told me to go ahead. Her name is XXXX XXXX, the manager at Western Finance. I do not and have not ever been physically stalked or harassed by any reputable company.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I was n't able to view my free credit reports.

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 10/13/2016 about Consumer Loan (Installment loan) with JPMORGAN CHASE & CO. (KY).
Issue: Managing the loan or lease

Complaint: My father, XXXX XXXX, is on a fixed income but financially stable with good credit. My brother who is a substance abuser, has no credit worthiness. My father and brother went shopping for a car, most likely a used XXXX that my father was to cosign for and my brother make payments. At the dealership ( XXXX XXXX in XXXX Ky ), a salesman discovered my brother 's credit problems. My father, not understanding what was going on, was persuaded to be the main borrower. The salesman proceeded to up-sale my brother a brand new car he could n't afford, and used my father to get the bank, ( Chase ) to secure the loan. Now Chase is harassing my XXXX XXXX XXXX father relentlessly, causing him untold stress and no payments have even been late! Is it possible to get my father 's name off this loan at this point? I realize he SIGNED the papers, but he 's elderly and honestly did NOT know what he was signing for at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Beneficial Homeowner Service Corporation is not taking responsibility for incorrectly posting a payment to our home loan in XXXX 2014. They took our XXXX 2014 payment and applied it to XXXX 2014 after they had already posted a payment to the account for XXXX 2014. In XXXX 2014 they told the bankruptcy court that we were up to date. In XXXX 2014 they told the New York State Attorney General that we were up to date. Their own accounting records which they sent to us show that we were up to date when they made this mistake in XXXX 2014. When they sold our loan to XXXX effective XXXX XXXX, 2014 they provided them with false information forcing XXXX to assess their own late fees and require us to make another monthly payment to bring our account current. It is clear that Beneficial can not understand and decipher their own accounting records.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX  has requested a credit inquiry for times now.       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  DE  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   DE   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   DE   XXXX   XXXX   and I just received ANOTHER credit inquiry from  XXXX   XXXX ,  XXXX   ( reference numbe r  XXXX  ). I have called them each time to have this removed because I did not request credit with them or  XXXX  ( which is what is on the denial lette r ). Ea ch time they state it will be removed but never is. I also filed a dispute with Equifax the last time in  XXXX  and they simply added a note to my account. I believe this to be fraudulent activity on the part of  XXXX  because they have been notified by me each time. I do not know what to do to have them cease this activity and it is impacting my credit negatively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-02-2016 about Debt collection (Payday loan) with Bayside Capital Services, LLC (WI).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Received threatening phone calls on a debt they say I owe from another company. I have not received any notice of this debt via mail but they did email me something which I believe is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Credit line increase/decrease

Complaint: I deposited XXXX into a college fund for my son. The college fund comes with a credit card The card was a " XXXX XXXX '' XXXX College Rewards - American Express. 
With XXXX or 2 % cash back deposit into the XXXX plan. 
The card was tied to XXXX XXXX XXXX which can be accessed via XXXX The service was horrible. There was no bills, there was no way to pay the bill except by mailing a check to a very hard to find address. 
Lately the card management passed to XXXX. After this, they started charging extra fees, and reporting me for missed payments with out notifying me that their policy regarding missed payments changed. Prior to this I would make payments at my leisure every XXXX to two months. 
Lately they demoted my credit from XXXX to XXXX. I am pretty sure that they dropped my credit score by at least XXXX points. Never get 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 05/23/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: TRANSUNION CREDIT REPORTING AGENCY HAS MADE AN ERROR IN REMOVING XXXX ACCOUNTS FROM MY TRANSUNION CREDIT FILE. THE FOLLOWING XXXX CREDIT ACCOUNTS : XXXX HAVE BEEN REMOVED WITHOUT AUTHORIZATION FROM CREDITOR. I HAVE VERIFIED WITH CREDITORS THAT ACCOUNTS ARE STILL ACTIVE AND BOTH HAVE A XXXX BALANCE WITH A XXXX CREDIT LIMIT THAT WERE BOTH OPENED IN XXXX OF 2012. THIS ACCOUNTS NEED TO BE FIXED AND ALL PAYMENT HISTORY AND ACCOUNT STATUS ON BOTH OF THESE ACCOUNTS NEED TO BE REPORTED BACK ONTO MY TRANSUNION CREDIT FILE. PER FCRA LAW, TRANSUNION IS REQUIRED TO PROVIDED ACCURATE CREDIT FILE INFORMATION.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2017 about Checking or savings account (Savings account) with DISCOVER BANK (MO).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: On XXXX/XXXX/XXXX I opened Discover Savings account number XXXX. At the time there was an offer for a {$200.00} bonus if the account was funded with {$20000.00}. The terms of the offer read : " Apply for your first Discover Online Savings Account by XXXX/XXXX/XXXX. Enter offer code XXXX when applying. Deposit a total of at least {$15000.00} into your account by XXXX/XXXX/XXXX to earn a {$150.00} Bonus or deposit a total of at least {$20000.00} into your account by XXXX/XXXX/XXXX to earn a {$200.00} Bonus. '' I was able to successfully open the account online using the offer code XXXX on XXXX/XXXX/XXXX. 

As of XXXX/XXXX/XXXX I still have not received the {$200.00} bonus despite meeting the requirements of the promotion - {$20000.00} was deposited into the account on XXXX/XXXX/XXXX. I have called Discover several times asking about the status of the bonus and have been given multiple excuses as to why it has not been credited. These excuses include : XXXX The bonus will post I just need to wait until the end of XXXX. 
* When I called after the end of XXXX I was told the bonus " might '' post by the end of XXXX. 
* I was n't specifically targeted by the marketing department so I wo n't be getting the bonus -the offer did not mention anything about being targeted and it was available on Discover 's own website. 
* I did n't use the offer code on the online application - I did enter the code as it was the only reason I opened the account in the first place. 

I expect Discover to credit the {$200.00} bonus as I have met all of the requirements of their promotion. 

Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XX/XX/XXXX : Received a letter in mail from XXXX indicating that I requested service from them and they pulled a credit score from Equifax. My score was apparently obtained on XX/XX/XXXX ** No one in our household has ever applied for XXXX. 

With the current chaos at Equifax due to the massive hack, I am unable to obtain my credit report from them. 

Simple web-search indicates that XXXX-Equifax-Unauthorized-Credit-Inquiry has been a persistent problem over many years.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX I deposited XXXX or XXXX checks in the total amount of {$41000.00} to my business acccount that I have not used for a long time. At the time of the deposit I was not informed about the fact that this account was " dormant ''. 
On the deposit slip that was filled out by Chase 's teller the date is clearly XXXX/XXXX/2016, yet the online records indicate that the deposit was made on XXXX/XXXX/16. On XXXX/XXXX/16 ( 48 hours after the deposit ) I tried to use the funds on my account to pay my mortgage and other bills, but I was unable to do because " the funds were not available ''. I called Chase and was told that I can not use the funds for another 2-3 days because my account was " dormant '', and it takes them that much time to reverse the domant status. I argued and pleaded, that how can an accout be dormant when I was able to deposit over $ XXXX to it, and now that I want to use the money ( all of it deposited on legitimate paychecks ) my account is all of a suddnet dormant. After spending over an hour on the phone and asking for supervispors and managers, all of a sudden my funds became available. 
I am in the process of refinancing my mortgage and need to show income for the past 60 days. I am trying to use the checks that I deposited on XX/XX/XXXX, but all I can see online is the teller 's deposit slip of $ XXXX and not the individual checks. 
On XX/XX/XXXX I contacted Chase and after an excrusiating houtr I was transferred to XXXX XXXX, who promised to take care of my issue. On XX/XX/XXXX I also got a phone call and an email message from XXXX XXXX. In her email there are supposedly the images of my checks, however the images are not in PDF format, so when I try to open them on my computer the attachments open to an empty page. I have tried to contact both women, XXXX XXXX has not responded to multiple messages, and XXXX XXXX phone is not set up for messages, her extension has a message that she is not available. 
Now I spent almost a full business day on this issue, and there is still no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (VA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: On XXXX XXXX 2017, I went to lease a car to XXXX XXXX XXXX XXXX VA. They checked my credit report on XXXX  credit bureau. According to XXXX, I have no credit profile.

On the other hand, I have three credit cards of XXXX XXXX, XXXX  and Best Buy. Three of these companies have my credit profile and I have a good credit score near more or less than 700. I talked to XXXX XXXX and they told me that they report my credit profile to all three credit bureaus including XXXX and XXXX. XXXX XXXX customer service agent told me that they are legally confined to send my information to all three bureaus.

Then I talked to XXXX and they told me that they have my credit profile as XXXX XXXX, best buy and XXXX is reporting them my profile on monthly basis. Contrary to this, XXXX told me that they do not have my credit profile and any of these three companies including XXXX XXXX, best buy and XXXX is not reporting to them my credit profile and I have to talk to my bank XXXX XXXX  about that. When I talked my bank, they said that they are reporting to them and thay can not help me further in this matter.

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 04-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/2018 I called on a followup with the removal of several inquiries that are on my credit file that I did not authorize. They immediately told me that Inquiries are generally a matter of fact. Under the Fair Credit Reporting Act, a credit reporting agency must retain a record of companies who have accessed your credit report. I let the rep know that I did not authorize these inquiries and that under the FCRA all inquiries should be authorized. They did not remove these inquiries and informed me that will be there for a year or two and that " should not '' hurt my credit score. These inquiries are indeed harming my score and the fact that they are not factual inquiries is what is the most frustrating.

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 03/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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: On XX/XX/2018 I submitted a review of an erroneous item on my credit report. A lien, that was withdrawn and Experian note it was released/withdrawn but did no remove it from the report even thought the could not verify it and had evidence it was withdrawn.

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