milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT THE FOLLOWING INQUIRIES ARE ALL A RESULT OF FRAUD XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
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: on XXXX2017 I applied to become a business member with Transunion to report my companies tradeline product to consumers credit.

My Company met all credentials to become a business member in addition to getting the XXXX XXXX XXXX reporting software.

Because I am a small XXXX  Owned Business and don't have money for Transunion to have financial/corporate gain, Transunion decided not to extend a business agreem

ent to my company. XXXX XXXX XXXX XXXX is r
equesting a complete response detailing why the business agreement was not extended specifically to my company.

The answer of ( We have reviewed your complaint along with the information you provided regarding this issue. TransUnion has reviewed your request for membership. TransUnions review process is intended to ensure compliance with TransUnion business practices and policies as well as applicable laws, rules, regulations, and standards that apply to TransUnions businesses. Our process generally includes review and third party verifications of each applicants business credentials and on-site inspection. After careful review of your application and data gathered during our credentialing process, TransUnion has decided not to extend membership to your company. ) is not sufficient XXXX XXXX XXXX would like to know 1. What review and third party verifications were completed ( aside from the onsite inspection ).

2. What Data about XXXX XXXX XXXX XXXX  was collected?

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 05/16/2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am showing as late XXXX XXXX and late XXXX XXXX. If I was in a bankruptcy XXXX to XXXX XXXX I should have not been reported. XXXX is saying XXXX reported me and XXXX is saying they did n't so who reported me. Both companies are trying to say the other reported me and neither will correct my 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 explanation
Consumer complaint received 02/25/2017 about Credit card () with PNC Bank N.A. (PA).
Issue: Other

Complaint: Charge-offs stay on your credit report for up to 6-7 years from the date the account was charged off. However, I was told that it will be removed before then. It has been already over 6 years.

Company response to consumer: Closed
Consumer complaint received 04/22/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Credit determination

Complaint: I was mailed an offer for a secured credit card. I was told that after 12 months of payments the secured credit card would become a regular credit card. In addition, I was told after 3 months I would be eligible for a credit increase. I did not get a credit increase after 3 months, and after 12 months of payments, I was told I would not be given a regular credit card. I requested to close the account in XXXX XX/XX/2014 and I filed a complaint regarding the credit card company not issuing me regular credit card. I would like to file an additional complaint for the credit company falsely reporting the balance owed on the account, not reporting the account was closed on my behalf, and causing a negative reporting issue on my credit report and transferring my account to a third party collection agency. I spoke with XXXX, an accounts recovery supervisor, I also spoke with disputes. I informed XXXX departments that the information reported was incorrect and that they needed to correct it. Disputes said if I got the CFPB involved I would need to speak with accounts. I spoke with accounts again, XXXX, said she would not correct the information.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Debt collection (Other debt) with Monterey Financial Services LLC (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I made a purchase with XXXX for a XXXX XXXX XXXX. I was paying XXXX directly but they then later sent my account to a finance company to take over payments. I have set up several payment arrangements about this matter and they continue to call me saying that i am past due. I have asked for a copy of my payment history and they are refusing to send me that information. I advised them that I am not authorizing any further payments until I can review the documents. they say that I have 24 hrs I said that it was not enough time and they said 24 hrs or they are going to charge me 35 % more and send me to collections. I did get upset with them on the phone as I am not neglecting anything I am just trying to make sure I am not over paying them. one rep tells me " you do not have the money that 's why you are not paying '' these people are unprofessional and plan to file a number of complaints with DOJ.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: My name is XXXX XXXX. 
After many, many offers I applied for XXXX corporate revolving credit line on XXXX/XXXX/XXXX. ( ref # XXXX ) After 1 week I received letter they can not grant credit because they are unable to verify personal garantor`s identity. I found the phone number contacted them it is XXXX XXXX.They told me that they use adverse action against me because they can not verify the phone numbers I have provided.I explained them that the phone numbers I have provided been my numbers for over decade.My personal cell phone is XXXX XXXX XXXX contract phone and my home phone is landline XXXX XXXX and its still on my name. 
And I also told them that I have a credit card with XXXX XXXX with same contact information.I offered them every possible way that they can verify my identity, even by going to any bank or store.They keep telling me that the only way to verify is a phone number, and if their system does not identify you then they turn down application. 
They act against equal credit opportunity right.They unfairly just refuse to cooperate and help consumer to verify their identity. 
When the supervisor was trying to help me she forgot to mute my line and I heard how she was talking to her colleague and they were saying that they can see my phone number in a system but they can not use it as verification. 
Eventually they just told me that they can not help me. 
Even thought I work all my life to have perfect credit, I spend lots of money on paying them interest, but today they are refusing to offer product.

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 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My identity is under threat of being stolen. Loss of significant funds. They did not provide sufficient protection of my sensitive information.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (AR).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX XXXX and XXXX XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (UT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Capitol One Auto has placed 5-30 day late marks and 2-60 day late marks. There should only be 2-30 day late marks and zero 60-day. My payments are automatically withdrawn from my account and are always made within 30-days!

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: On XXXX 2015, I filed a complaint with Equifax against XXXX XXXX XXXX and XXXX XXXX XXXX for failing to validate a debt being reported to Equifax by these collection companies. I have also filed a complaint with the Consumer Financial Protection Bureau against both of these collection agencies. Complaint # XXXX was filed against the XXXX XXXX XXXX back in XXXX 2015 and they have failed to respond to me or the CFPB as to this date, but yet by some mysterious source Equifax validated this account. Even though I attached the complaint from CFPB to Equifax they failed to take in consideration that the law requires a credit collection to verify an account when a consumer request. I also requested Equifax to forward the validation that they based their decision on to side with this illegal collection company and Equifax failed to send that information. Complaint # XXXX was filed against XXXX XXXX XXXX back in XXXX 2015, In which they responded with no validation but a statement to the CFPB stating that : In an effort to resolve XXXX XXXX 's concerns, our agency has submitted a manual deletion request with all the credit reporting agencies associated with the account and our office. The confirmation number for this request is XXXX. Please allow up to 45 days for the credit reporting agencies to process our request. This information was forwarded to Equifax in the complaint I sent them to have this bogus un-validated account removed from my credit records. I am requesting Equifax remove these accounts from my credit profiles and send me proof this has been done. Also I am requesting Equifax send me the validation they used to verify this account since I and the CFPB failed to receive such validation, also Equifax should be fined for not following the law to verify and report accurate information on consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have requested my credit report many times and Equifax does not comply with my request. I mailed it identification information but still no response. Third parties are being able to see my personal information because Equifax has my information mixed with that of another person. Ca n't get my mortage loan approved because Equifax is reporting the wrong information. This issue has been on going for more than two years. My information dkeeps being mixed with someone else 's

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Credit card () with U.S. BANCORP (GA).
Issue: Billing disputes

Complaint: I purchased a product from a vendor for about {$1300.00} The product was delivered not to my specs and was unuseable. I returned the product to the vendor and they fixed their mistakes. A couple of weeks later I looked at my credit card statement and the vendor had charged my credit card {$990.00} without my permission, without notifying me and without providing me a bill. 

I called the vendor to try to resolve with no success " they might work with me '' but I never received any further correspondence. 

I called the credit card company to put the charge in dispute, they did put the charge in dispute and removed it from my bill. Then about a month later I got a form letter in the mail from the credit card company saying they could not verify a billing error and they were reposting the charge to my account which they did. 

In my letter I specifically instructed the credit card company not to pay this charge. If the vendor wants to come after me for the money then that 's between me and them. The credit card company is not the decision maker of where and how I spend my money and just because the vendor has my card number on file does n't give them the right to charge any amount they want, when they want.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an inquiry had been made on XX/XX/XXXX I contacted XXXX/XXXX  and asked them to remove their credit inquiry from my credit profile. According to XXXX/XXXX they could not verify that the information was being reported. I request that you initiate a REINVESTIGATION into XXXX/XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was Not Permissable. If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your REINVESTIGATION for THIS SPECIFIC INQUIRY within 15 business days of the completion of the REINVESTIGATION. Thank you for your assistance in this matter. Very Respectfully, 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 non-monetary relief
Consumer complaint received 08/27/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I 've sent Experian copies of letters and proof of payment of an account I am disputing but Experian still will not remove the negative account with XXXX XXXX XXXX XXXX this has cause me to fall out of escrow, potentially lose a home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am more than certain that my ex-spouse has used my ss # without my consent. We have been divorced since 2006. I really don not know what type of loan this is, but I have never inquired to this entity.

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 09/21/2017 about Vehicle loan or lease (Lease) with Byrider Franchising, LLC (MO).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint: so since the XX/XX/2017, we had are car reposed and I filed a compliant then will that same day my husband drove out and talked to them and I called and to the GM at XXXX AR XXXX XXXX and he had told me that they have received the paperwork about or petition of affirmation of asset automatic stay well I sent a story behind that we were mislead and scammed and took for money and it was not filed at all, we did n't know till the next day when they took our truck well when I spoke with the gm from XXXX XXXX in XXXX ar, he said if we filed the petition the next day or when we could and GET IT APPROVED THROUGH THE COURTS THAT WE WOULD GET THE TRUCK BACK AND HE WOULD WORK THE LOAN OUT SO ARE PAYMENTS WOULD BE LOWER AND MONTHLY,. 

WHEN MY HUSBAND GOT THERE THEY TOLD HIM ANOTHER STORY THEY SAID HE HAD TO PAY THE TOWING FEE AND BRING TWO CHECK STUBS FROM ME AND HIM AND THEY WOULD RELEASE THE TRUCK BACK TO US. 

WELL THEY HAVE NOT CALLED OR SPOKE TO US BUT MAYBE THREE TIMES ALL THE WAY UP TO THE XXXX OF THIS MONTH AND THEY TOLD MY HUSBAND THAT WE WERE GETTING THE TRUCK BACK IF I DROPPED CIVIL SUITS AGIANST THEM WHICH I NEVER FILED I FILED COMPLAINTS AND IN THE COMPLAINTS SAID IF THEY DID NOT WORK SOMETHING OUT I WAS GOING TO FILE A SUIT WELL THEY STOPPED TALKING TO US AFTER THAT HERAD NOT A WORD AND FINALLY TODAY MY HUSBAND DECIDED TO CALL WHICH TOOK HIM 30 MINS AND HAD TO CALL 800 NUMBER CAUSE THEY KEPT HANGING UP ON HIM, WELL THEY SAID THEY WOULD CALL HIM BACK WHICH THEY DIDNT AND IT WAS GETTING VERY LATE WERE THEY WOULD CLOSE SO HE CALLED BACK AND THEY TOLD HIM A WHOLE DIFFERENT STORY THEN WHAT THEY HAD TOLD US BOTH AT ALL THEY SAID WE DEFAULTED AND DIDNT HAVE INSURANCE WHICH WE DID HAVE INSURANCE AND WE DIDNT DEFAULT HUSBAND HAD AUTOMATIC WITHDRAWAL WITH THEM WHICH WE HAVE THE SIGNED DOCUMENTS FOR THAT AND THE BANK CAN VERIFY ALL THAT AS WELL THIS IS WRONG AND HE TOLD US HE WASNT EVEN GOING TO CONTACT US ABOUT IT AT ALL THAT THEY WERE JUST GOING TO DO IT AND NOT SAY NOTHING FIRST THEY REPO THE CAR WRONGFULLY LIE TO US ABOUT EVERYTHING THEY WERE GOING TO DO FOR US AND THEN WITH ANY NOTICE OR WORD JUST THROW AWAY THE CONTRACT OUT OF THE SYSTEM

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2017 about Debt collection (Medical debt) with Nationwide Recovery Systems, Ltd (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Didnt receive prior notice of my right to Dispute this debt that is not owed as required by the law at least five days prior to a debt being added to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: a installer came to my home from XXXX XXXX XXXX to give me there service, he said ; was unable to install because of a oak tree ; it would be in the way of the signal, he left and did NOTHING, no work at all. I sent ALL of there equipment back to them. Iam NOT paying a bill for nothing done!!!!!!! This {$100.00} dollar bill should not have been sent to me, please take it off of my credit report. Thanks, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Debt collection (I do not know) with Eltman Law, P.C. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a letter from XXXX claiming that I owed a large debt to them and they obtained a court levy to garnish my wages. I sent a request to them asking for proof of the debt and all I received were court papers and a listing with my name and a judgement dated back almost 20 years. They did reply with the original creditor name but no proof as to what the debt pertained to or was for no details for me to verify. And the paperwork from the court said there was a court date that I did not show up to but I never received any notice of a hearing.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (MO).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: Home Depot credit card open fraudulently in my name

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 10/14/2015 about Debt collection (Medical) with FirstPoint Collection Resources (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: i have sent now twice the information regarding this account this morning i faxed to XXXX acct # XXXX XXXX ; this account is from idenity theft and i have had issues with this from somepone is this area for quite abit please remove this account asap i am sending the police report and id theft affidavit notarized again.

Company response to consumer: Closed with explanation