milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX, XXXX and Transunion continue to report these inaccurate items on my credit report. XXXX : The amount of the loan is incorrect, the date started loan is incorrect, the late payments are incorrect, the monthly balance is incorrect, the loan terms is incorrect. <P/>XXXX XXXX : Past due amount is wrong, late payments are wrong, status is incorrect. <P/>XXXX XXXX XXXX : The amount past due is wrong, the initial amount is wrong, status is wrong. <P/>XXXX XXXX : The last date report is wrong, late payments are wrong, the balance is wrong, the status is wrong. <P/>I have contacted all of these companies personally and they continue to state these items are verified and no change has been made. I have disputed these items with all three credit bureaus multiple times and I 've received reports stating these items are valid and no change. I am looking to purchase a home and these accounts are affecting my chances of getting approved. Please Validate these accounts or delete these items off my credit report. Thank you.

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 12-03-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I applied for a car loan, there is now a judgement that is all of a sudden appearing on my credit report which does not belong to me the judgement was on my dad 's report clearly I was too young to have a judgement back in 2011. My dad and I have the same first and last name but not middle. I am not clear as to who would be able to place that judgement on my credit report after it 's already been placed under my dads 's name back in 2011. If so I would like to know if I can file a lawsuit for emotional distress to the person that is responsible for this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (KY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: There really is n't an option for my issue so I chose the closest options. XXXX XXXX XXXX, who has participated in illegal recovery efforts before, is making hard inquiries against my credit report up to XXXX times per month - sometimes on consecutive days! I understand that collection agencies have the right to make inquiries while collecting a debt, but is is really legal for them to try to bully a response by damaging someone 's credit with incessant credit inquiries? That seems unethical at a minimum. There are no debts on my credit report owned by XXXX. I did have a collection with them at some point in the past ( and was actually awarded a part of the settlement for violations of debt collection practices ) but currently there is no collection associated with them on my report. How can I make them stop making insane numbers of hard credit inquiries every month?! 

The attached file is a screenshot from my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2016 about Debt collection (Credit card) with Patenaude & Felix APC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: I first learned that this company had won a default judgment ( in XXXX XXXX ) against me on XXXX XXXX, XXXX. On XXXX XXXX, I went online to see if a payment for an automatic withdrawal had been processed. I found that the company had a levy in the amount of {$6100.00} against my account and that all of my funds had a hold on them. I have attempted contact with them explaining and providing proof that I am on Social Security, and will lose my rented home if they do not release those funds. I was told that since I had money in a savings account which I had been transferring to my checking account to pay my bills that the entire amount was not Social Security. Even though I explained to them that I have not worked since XXXX, more than a couple months in XXXX and XXXX. I explained that I had been on Social Security XXXX since approximately XXXX, and that I have no income other than Social Security, they have not done anything with regards to correcting this matter. I have called and been told several times that I would be contacted in this matter. I can not afford legal counsel in regards to this matter. I was not served properly, as the address with which I was served was not an address I had lived at for over a year at the time of the supposed service. When I spoke to the attorney regarding this he stated that I was also served at the address which I was living, but there is no proof of service for that address. XXXX. I do not want to be homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: XXXX XXXX XXXX AND XXXX XXXX XXXX HAVE 2 XXXX XXXX CREDIT CARDS. WWHEN APPLYING FOR THE CARDS THE CREDITOR PULLED ALL 4 BUREAU 'S ( XXXX, EXPERIAN, XXXX & XXXX ). SEE ATTACHED.
ON OR ABOUT XX/2015 THESE 4 ACCOUNTS CEASED TO REPORT ON 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 06/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ONEMAIN FINANCIAL HOLDINGS, LLC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Springleaf merged with One Main. One Main,  Springleaf and XXXX have been and are reporting inaccurate information on my credit report. One Main, Springleaf and XXXX have been and are reporting hard inquiries without verifiable proofs of my consents. One Main, Springleaf and  XXXX have been and are reporting those hard inquiries as inaccurate information without verifiable proofs. As a result, there are no permissible purposes of putting those hard inquiries on my credit report. I sent certified mails to all XXXX One Main and Springleaf asking about the permissible purposes of those hard inquiries and verifiable proofs of the inaccurate information. I waited more than 30 days to have the verifiable proofs from XXXX One Main and Springleaf of their inaccurate information and I didnt receive them from all of them. Since neither XXXX nor One Main nor Springleaf have verifiable proofs of their inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the following hard inquiries should be deleted immediately. Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Second Certified mail tracking number sent to XXXX onXX/XX/XXXX : XXXX. Third certified mail tracking number sent to XXXX onXX/XX/XXXX : XXXX. Certified mail sent to ONEMAIN onXX/XX/XXXX : XXXX. Certified mail tracking number sent to SPRINGLEAF FINANCIAL SRVCS on XX/XX/XXXX : XXXX. The following hard inquiries which should be deleted immediately are : Creditor Name : ONEMAIN Date : XX/XX/XXXX Creditor Name : ONEMAIN Date : XX/XX/XXXX Creditor Name : SPRINGLEAF FINANCIAL SRVCS Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 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: Account status incorrect

Complaint: XXXX XXXX XXXX IS REPORTING THE ACCOUNT # XXXX WITH OUTSTANDING BALANCE, WRONGFUL DATE OF EXPIRATION AND REPORTING THIS AS A REVOLVING ACCOUNT WHEN IT IS A MORTGAGE. ACCOUNT IS TOO OLD TO BE ON FILE HAS PASSED A 7 YEAR STATUTE OF LIMITATIONS AND IS IN VIOLATION OF FCRA RULES AND REGULATIONS REMOVE THIS FROM MY REPORT IMMEDIATELY AND ACCORDINGLY I HAVE CONTACTED XXXX XXXX XXXX SEVERAL TIMES WITH NO LUCK, NOW THEY HAVE CHANGED THE STATUS OF THIS ACCOUNT TO FORECLOSED WITH EXPIRATION DATE OF XX/XX/XXXX WHEN IT WAS REPORTING XX/XX/XXXX AND THEY ARE REPORING SAME ACCOUNT DIFFERENTLY TO THREE CREDIT BUREAUS ... THIS IS A VIOLATION OF FAIR CREDIT REPORTING ACT AND A VIOLATION OF FAIR COLLECTION PRACTICES. I 'M DEMANDING XXXX XXXX XXXX TO DELETE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY IN ACCORDANCE WITH FCPB AND FTC RULES AND REGULATIONS

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 06/17/2015 about Credit card () with AMERICAN EXPRESS COMPANY (MA).
Issue: Credit line increase/decrease

Complaint: I have an american express credit card. The limit is {$5200.00}. American Express allows me to go over my limit with out increasing the actual limit. I am aware of credit capacity and how this affects your credit score. I have asked American Express for a limit increase and I have not recieved any correspondence nor any adverse action notices. I have an American Express platinum card that is a charge card with no limit. My credit is good and I am forunate to have good income to support my debt load. I am sending this complaint because I believe this has impacted my credit score and capacity significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX foreclosed on our house XXXX XXXX. First delinquency was XXXX XXXX. It 's been almost eight years since then. All XXXX credit reporting agencies refuse to delete the item from our credit report despite many disputes over the years. Most recently TransUnion reports that the date of " last activity '' is correct even though we repeatedly requested they investigate the date of XXXX delinquency. They also say the account goes off record seven years after last activity XXXX. That is not correct. XXXX is unreachable. It bankrupted in XXXX and the phone numberTransUnion gives us does not provide any way to access anyone. Account should have been deleted XXXX XXXX which would have been seven years after the first delinquency of XXXX XXXX. ( see attached payment schedule ) In XXXX XXXX we got letters from XXXX XXXX noting default and XXXX XXXX we got a threatening letter of default. We tried to work things out but XXXX and later XXXX ( who took transfer from from XXXX in XXXX XXXX ) was uncooperative and we lost the house to foreclosure in XXXX. Although XXXX made us given them money during XXXX and some money in XXXX in order to " prevent '' foreclosure, we were always way behind and the whole delinquency process started in XXXX XXXX. I am attaching a credit report from TransUnion dated XXXX XXXX XXXX in which they list the XXXX late payments made in XXXX XXXX and XXXX, XXXX, XXXX XXXX. I am also attaching a follow up credit report dated XXXX XXXX in which they suddenly make the XXXX and XXXX delinquencies " disappear '' and use the XXXX delinquency as our seven year date. I am also attaching paperwork that proves our payment history as well as XXXX and XXXX sending us default notices in XXXX and XXXX of XXXX. I am also attaching a copy of the paperwork I most recently filed with Transunion disputing this issue

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (WA).
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint: In the early morning hours of Wednesday, XXXX XXXX I was shopping on XXXX. I decided to purchase a small item. When XXXX brought up the payment page, I had the options to 1. buy & pay using my normal paypal account 2. buying and then paying with Paypal Credit , which I do not have. 

I checked the latter box by mistake. I remember a pop-up that stated if you pay for an item with " paypal credit '' you are basically applying for a paypal line of credit. I did not want that, so backed out of the purchase. On my XXXX account there is no record of purchasing the item. 

On my paypal account, it immediately showed that I now had a line of credit of {$7500.00} with paypal. I emailed paypal and told them I did not initiate this account and would they please close it. 

The next day I received an automated email response from paypal, which did not address my concern. So I call paypal. They did close the account, but in the mean time I was alerted by XXXX XXXX of an inquiry on my credit ( note : this happened after paypal 'gave ' me the line of credit ). I told the customer service rep that I wanted that inquiry removed as I did not authorize any of this. They said they would not do that as this is not a fraud. Well I think this is fraud as I never applied for this line, let alone authorized them to check my credit. 

The companies involved are : XXXX XXXX  Bank/PayPal Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Debt collection (I do not know) with CCS Financial Services, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The aforementioned XXXX XXXX agency representing whoever your " client '' is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX and XXXX. The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pay ) they need to retract this from my credit file immediately.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo failed to pay my hazard insurance on time. This resulted in a lapse in my insurance and I had to pay the insurance company directly in order to restore my coverage.

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 11/28/2015 about Credit reporting () with EQUIFAX, INC. (ID).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I sent Equifax a letter ( letter attached ) requesting the investigation procedure for several different items which are listed in the attached letter and below. Equifax received this letter on XXXX/XXXX/2015 ( delivery confirmation attached ). It has now passed the 15 day time limit for them to have provided the procedure. They are now in NON COMPLIANCE. Please see FCRA laws below. 
Items requested for Investigation Procedure:1. XXXX Account # : XXXX2. XXXX XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX Idaho XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX Idaho XXXX XXXX 6. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA XXXX XXXX XXXX XXXX sub-paragraph ( a ) ( XXXX ) : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by not later than 15 days after receiving a request from the consumer for that description. 

Noncompliance- FCRA XXXX XXXX XXXX XXXX Sub-paragraph ( a ) XXXX ( A ) : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of -- ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Consumer Loan (Vehicle loan) with BANK OF THE WEST (VA).
Issue: Problems when you are unable to pay

Complaint: Back in late  XXXX , early  XXXX  i spoke to the manager at the bank that financed my car and explained my situation. At that time i was in the process of starting a new job and made payment arrangements with the same manager. The payment arrangements were that i pay  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX . I had informed her that when i first get paid at my new job that i would not have a full paycheck to make the payments for  XXXX . Towards the end of  XXXX , i had a family emergency and that i could work, due to my family bereavement and emergency. And now they do not want to work out anything with as of now because the vehicle is in the process in being set up for repossession. Since I left my previous job in late  XXXX  of this year, i have obtain new employment with a different agency and obviously i can not afford to pay what i owe right now because i have not got paid yet with my new employer.

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 05/18/2016 about Debt collection (Medical) with ESCALLATE, LLC (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was an emergency room patient at Presence XXXX XXXX, XXXX, IL from XXXX XXXX, XXXX through XXXX XXXX, XXXX. I, allegedly, was seen by a doctor belonging to the XXXX XXXX XXXX of XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX, I started receiving phone calls from Escallate , LLC, a debt collector apparently collecting for XXXX of XXXX XXXX, XXXX. I verified my home address with them, and they agreed to send a letter of verification of the debt. To this date, I have not received any verification of the debt, any written communication what-so-ever from the collection agency, or any statements or written communication from XXXX of XXXX XXXX, XXXX. 

The collection agency broke numerous provisions of the FDCPA in attempting to collect this debt, which are outlined in the attached letter. Additionally, XXXX of XXXX XXXX, XXXX, practicing in a non-profit hospital, XXXX XXXX XXXX, violated provisions of the newly-enacted IRS 501 ( r ) regulations, by failing to explain financial assistance policies and failing to send a 30 day notification of Extraordinary Collection Actions. 

After allowing the agency 30 days to send the notification they promised, I drafted a letter to the agency. On XXXX XXXX, I mailed a Certified Letter to Escallate , LLC, outing the laws that they broke and requesting that they cancel the account. I never received a response to this letter, which is also attached. 

Lastly, I was notified that they placed the account on my credit report in XXXX, XXXX, which means they violated further laws by failing to verify the debt prior to it being placed on my credit report. They are also reporting the Date of First Default as XXXX, XXXX. Having been seen on XXXX XXXX, XXXX, the Date of First Default has to be at least XXXX XXXX, XXXX, under provisions set forth in the FCRA. 

It is my firm belief that the collection agency engaged in deceiving practices by promising to send me written verification of the date and failing to do so, thereby exhausting the 30 days consumers are allowed to dispute a debt prior to it being reported to the credit bureaus. They have violated multiple provisions of the FDCPA FCRA, and 501 ( r ),

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 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I recently to a look at my Transunion credit report and noticed that there are two hard inquiries by XXXX XXXX XXXX on my credit report dated XXXX, and XXXX. I contacted Bank of XXXX ( XXXX ) spoke with a representative and asked for a letter of deletion. The representative said no due to a credit line increase that I requested. I was never told or asked if they could pull my credit report ; and when I asked for proof of said I was told they do not provided this information to customers. I responded by saying " I have a legal right to said request ''. I was again denied ; but told a complaint would be filed. I then asked for a supervisor and she told me they do not have scripts that requires them to inform customers nor are they required to because it is in their terms and conditions. I responded by saying " where because I can not find this in your terms or conditions ''. I am affirmed that this is deceptive and violates my rights in making an informed decision. My right to disclosure at the time is without parallel.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Debt collection (I do not know) with ALLY FINANCIAL INC. (AL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have received repeated phone calls from XXXX. They are trying to reach my ex husband. I am divorced from him for a reason and should not receive phone calls regarding any of his private financial business.

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 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I recently pulled my credit report and noticed navient reported that I was more the 90+ late on my loans. I was attending school at the time and requested forbearance.I consulted with representative and made an arrange. Upon paying off my loan, I was that my account would show " paid in full '', however ; that is not what is stated on my credit. The information is under collection 90+ days and it displays as charged off. I request that navient be removed from my credit report under collections and replaced with " paid in full. '' Navient staff frequently send me to other reports and never resolve my concerns, they also always lose documentation provided. I was also told that I would be a fixed interest rate and was offered several of rates depending upon a higher monthly loan payment or full payment pay out. This was the reason why I decided to make large payments and close out my account as soon as possible.

Company response to consumer: Closed with explanation