milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hello I have been trying to dispute some inquiries on my credit that have really impacted my score. I did not authorize them at all to be pulled, I have tried to work with customer service to have them deleted however they have not been very helpful and they continue to give me the runaround to call here and there. I am very frustrated at this point and I am writing to you guys so hopefully you can help me out. The inquiries that I am speaking about are the ones below. 

XXXX XXXX XXXX XXXX XXXX should of only been once. 
XXXX XXXX XXXX  XXXX XXXX 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 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Louisiana Bureau of Credit Control Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Reference Policy Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Policy Declarations regarding XXXX and its Agent : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, California XXXX investigated with their employees and Executive Management .The policy covered XXXX XXXX XXXX XXXX Door Sedan # ID XXXX finance by XXXX XXXX XXXX XXXX . The effective dates were XX/XX/XXXX, XX/XX/XXXX until XX/XX/XXXX. The XXXX XXXX XXXX was stolen in the Subdivision of XXXX XXXX XXXX XXXX. Also, I would recovery and monetary loss ; along with criminal charges. <P/><P/>Previous employees resided in XXXX XXXX Homeowners Association identified as XXXX XXXX, Security Specialist with Federal Emergency Management Agency. <P/>I have been threaten since XX/XX/XXXXwith violence, disclosure of private information and destruction of personal property. <P/>Illegal violation of The federal Fair Credit Reporting Act ( FCRA ) promotes the inaccuracy of termination of insurance, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies ( such as agencies that sell information about check writing histories, medical records, and rental history records ). <P/>Malfeasance in office by XXXX 's Board of Directors, Executive Manager and Sales Representative which caused economic damages, poor credit and destruction and theft of automobile. This occurred after resigning from Federal Emergency Management Agency on XX/XX/XXXX. This information may be verified by : XXXX Parish Sheriff Department XXXX XXXX XXXX XXXX, Louisiana XXXX Phone : XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, Louisiana XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Telephone : XXXX Fax : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, LA XXXX XXXX : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXXXXXXXXXX

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 08/18/2015 about Consumer Loan (Installment loan) with Risecredit, LLC (TX).
Issue: Managing the loan or lease

Complaint: Applied for loan XXXX XXXX with Rise Credit. I had used this service in the past but needed to change my bank account number for the funds to be deposited in. Spoke with a representative who told me to proceed with my application then immediately email a voided check so they could update my info. The next day funds were not deposited into my account. I called Cust. Svc. and the rep informed me the prior rep gave me incorrect information and I would need to cancel my previous application so they could change my bank info. I sent a cancellation request in writing XXXX XXXX as per their policy and they informed me the loan was cancelled, my bank info was changed and i could reapply within XXXX business days. XXXX XXXX I logged into the Rise website and it showed the previous loan attempt had been canceled. There was no mention or information showing they withdrew the {$310.00} from my bank account. I reapplied and funds were deposited to my bank XXXX XXXX in the amount of {$310.00}. Upon checking my bank account I noticed Rise withdrew {$310.00} on XXXX XXXX ( the amount of the previously canceled loan ). The only issue was they never deposited the original loan into my bank account. So now, I am missing {$310.00} from my bank account that was not Rise 's to withdraw. I spoke with a rep XXXX XXXX who was unable to help me and told me they do not show in their system that they made the withdrawal on XXXX, yet my bank statement shows otherwise. Due to their error I have now had returned transactions and have been penalized by my bank for insufficient fund charges. The rep on XXXX informed me they " had an issue ticket in the system '' but there is no guaranteed date of resolving my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Credit reporting () with SYNCHRONY FINANCIAL (SC).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I 've never lived in New York. This is not me, I 've always lived in South Carolina.

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 10/23/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have sent Experian XXXX fraud letters regarding a XXXX account that does not belong to me. They did respond asking for identification and proof of residence, which I sent initially but I sent it again. Have not heard anything back from them. I submitted an FTC Fraud Affidavit that I had notarized at my local bank. It disgusts me that Experian is allowed to operate a business this way. I 'm on the verge of suing this unethical company. Identity theft is a huge problem in this country and I am a victim of it. I have attached the FTC Affidavit I sent Experian along with a final certified receipt date XXXX/XXXX/2015. On XXXX when I went to check the status of my dispute using their Report number # XXXX the website stated that I HAD NO ACTIVE DISPUTES. Please assist me in getting this resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Student loan (Private student loan) with SLM CORPORATION (AL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 60s days late as XXXX XXXX I am not sure how this happened because I believe that I made my payments to you when I received my statements. I have held this loan with your company since XXXX and I have made all payments on time so my only thought is that my monthly statement did not get to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2016 about Debt collection (I do not know) with CCS Financial Services, Inc. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Credit Collection Services has attempted to collect a debt from me for XXXX and I never established a contract with this company, in addition this company has defamed my name and character and reported false information to both my XXXX and XXXX credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Payday loan () with Big Picture Loans, LLC (VA).
Issue: Charged fees or interest I didn't expect

Complaint: I made an agreement over thee telephone to pay them {$210.00} for 7 months, I only brorrowed {$800.00} from them in which there trying to charge me an interest rate @ 800 %. They did not disclose this info until the papers were signed for this loan. I asked this company to send me an email with the new payment arrangements and they never did. I have come to the conclusion that that {$210.00} per month would be interest only. They are trying to make me pay {$6200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Debt collection (Other debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Transunion XXXX added a debt from XXXX XXXX XXXX that was previously removed for being inaccurate/ fraudulent. This acct was from XXXX and a judgement was made in XXXX deeming it false. It was then re added between XXXX XXXX also of this year in an illegal attempt to collect/ re age this debt. I 'd like this removed asap. Being the only negative acct on my transunion profile it has dropped my score significantly.

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 08/13/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Using a debit or ATM card

Complaint: There were unauthorized transactions on my Wells Fargo debit card from approx. XXXX XXXX through XXXX XXXX. The loss prevention department has issued a provisional credit for a portion of the charges. They issued only partial credit because at the time, some of the fraudulent transactions were pending. I am expecting another credit for approximately {$50.00}. Wells can not give me a timeframe as to when this credit will be posted to my account. In part due to Wells Fargo 's misfeasance, I am now homeless. I do not expect the bank to provide housing, but I would like a clear and definitive answer as to how long it will take to receive the money. Thank you.

Company public response: Company 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 SYNCHRONY FINANCIAL (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/16 and inquiry was made with this bank for a Walmart card by my ex wife and without my knowledge or consent.I was unaware until i gained access of my XXXX XXXX account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Bank account or service (Checking account) with PNC Bank N.A. (PA).
Issue: Deposits and withdrawals

Complaint: I placed a Stop Payment on check number XXXX, for the amount of {$2500.00}, on XXXX XXXX, 2016. 
PNC Bank N/A confirmed the Stop Payment on the check, in account XXXX, both on XXXX XXXX, and today 's call. Check XXXX was, nonetheless, paid by PNC bank on XXXX XXXX, 2016. I called PNC to complain and get compensation. I was, at first, refused in my request to speak to the manager in charge. PNC is informed that my mortgage payment is due on XXXX XXXX, 2016, and due harm to me and my family will result due to its error. PNC has admitted its mistake. To date no satisfactory resolution has been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
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 complaint to Credit Bureau XXXX/Equifax and XXXX about errors on my credit report. Recently I received a completed report from them. I had requested Validation and accuracy of a XXXX account # XXXX. Under Federal Law, I have the right to see in writting how XXXX/Equifax and XXXX Validated the accuracy of this negative collection account. This was a paid on time account and closed. XXXX/XXXX and Equifax has failed to provide me proof documentation from XXXX. The 30 days exceeded.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: In XXXX of 2017, two charges of {$100.00} were charged on my Costo Citi Credit Card for XXXX which I did NOT authorize. I reached out to Citibank who provided back up information that the user was in XXXX and used a XXXX name and address and had no CVV code! I 've never been to XXXX or XXXX and vehemently dispute these fraudulent charges. I have now spent over 5 hours on the phone with various Citibank employees only to be told it was my responsibility to pay. THIS IS FRAUD and THEFT. Please help.

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 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I went to see a financial advisor to help me pick a credit card to apply for. I insisted I only wanted to apply for one card. The advisor assured me there would only be 1 hard inquiry and I was approved for the card. However, because the financial advisor wasn't truthful, I ended up with 9 hard inquiries greatly affecting my score and the card I was approved for now has me jumping hoops through the fraud department. I never authorized the following inquiries : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

BLISPAY/FEB Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/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 08-08-2017 about Debt collection (Auto debt) with MRS BPO, LLC (NE).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Repeated phones starting XXXX XXXX 2017. Since that day they have called me 43 times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax has been reporting incorrect information on XXXX Account # XXXXincorrect Open Date incorrect Payment incorrect Last PaymentXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX CO XXXX Phone : ( XXXX ) XXXX times Equifax failed to verify correctly

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This charge is for my son 's lease on an apartment while he was in college. We hired an attorney to get him out of the lease because of proven mold issues and negligence. This lease was only signed by him at the time of termination. He indeed turned his key into the office but they are saying that he did not so they are charging him {$100.00}. I was a co-signer on the previous year lease but was not on this second year lease, that is how they have my information. This is direct retaliation for them having to terminate the lease agreement.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Payday loan () with Ad Astra Recovery Services Inc (OK).
Issue: Received a loan I didn't apply for

Complaint: Upon pulling a credit report I discovered this account and have written XXXX separate disputes between XX/XX/XXXX- XX/XX/XXXX. I have received two letters back showing original creditor and amount owed without proof of account such as identification or signature that belongs to me. Upon calling today XX/XX/XXXX I spoke with XXXX different representatives and still no resolve. I refused to verify any information due to the account not belonging to me. I also repeatedly asked for the procedure that I need to follow to get his taken care of. I was told that I could not be helped unless I was willing to verify my identity. I was also hung up on after trying to get the proper information for 14 minutes. This account is fraudulent and I have repeatedly expressed this to the company. At this point they have not helped me and this is something that is not only damaging my credit but also preventing me from purchasing a home for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Prepaid card (Gift or merchant card) with Blackhawk Network Holdings Inc. (MN).
Issue: Unauthorized transactions/trans. issues

Complaint: I purchased XXXX giftcards together valuing approximately {$1500.00} from Giftcards.com of XXXX. When I attempted to activate the cards, I was unable to do so and directed to contact customer service. I called and was told that they were unable to help me and would escalate it to their " second level department. '' They said it would take XXXX business days to receive a response. That was on XX/XX/XXXX. On XX/XX/XXXX, I still had not received a response and am still out {$1500.00} which I badly need. So, I called again. This time, I was told that they could offer me no information or help and that it could take an additional XXXX hours to receive a response. So, I waited a third business day. On XX/XX/XXXX, after receiving no contact, I called again. I spoke with a XXXX, then a supervisor, then a XXXX. All three told me that they could offer me no information or help and said that it would take another XXXX business days to receive a response. It is XX/XX/XXXX, and I have received no contact from XXXX. I need this resolved immediately. XXXX has wrongfully frozen my account for no explainable reason resulting in personal losses of time, frustration, and expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Debt collection (I do not know) with Radius Global Solutions LLC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We get many calls from debt collectors looking for XXXX XXXX at our home phone number XXXX XXXX XXXX XXXX. We have had this number for over 10 years. The latest calls come from XXXX XXXX Mi and say to call them back at 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 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX reporting Student Loans in my name for XXXX XXXX XXXX, XXXX XXXX, etc over {$40000.00} and {$50000.00}, that are fraudulent and do not belong to me. I have requested that the fraudulent information be removed from my credit report. 
I have had XXXX credit and this information has reduced my credit score tremendously due to fraudulent information. 
I have reported identity theft to the XXXX XXXX Police Department in XXXX XXXX, XXXX XXXX 
Report # XXXX Please remove false information from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Cedars Business Services, LLC (MA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was contacted in XXXX of XXXX by a Cedar Financial that I had a {$330.00} ticket stemming from a trip to XXXX in XXXX of XXXX. He threatened to report it to my credit when I said that I never was pulled over or was issued a ticket. He said that I was photographed in a high congestion area and that I was given a ticket that now had several late fees associated with it and I had better pay it now. They have called me incessantly since, even after I told them that I needed to see evidence and I certainly was n't responsible for late fees when in good faith, I had no knowledge of this ticket and dispute that I was in that area.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Debt collection (Federal student loan) with Navient Solutions, LLC. (MI).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Pioneer Credit recovery called my sister, Mother-in-law, and sister-in-law asking for me. They identified themselves as debt collectors which I believe violated my privacy. After speaking to the debt collectors they reported only having my information for two days.

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