milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/19/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Dear sir/madam, as I was going through my credit report on XXXX and Transunion few months ago, then I noticed a negative report on my credit. The negative report was from a Company called XXXX XXXX XXXX any time I dispute the account, they kept sending a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with XXXX XXXX. Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX XXXX or any of it affiliates. 
I am requesting that XXXX XXXX XXXX or any of their affiliates should remove such negative statement from my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Debt collection (Payday loan) with Platinum Holdings Group, LLC (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I have hired a credit consolidation company to consolidate all my debts wich includes this loan. Now the company by the name of Premium Assets Services called my to let me know that they bought this account and are threatening me at work and my cell to take my car or my property, they are calling me at work every day also calling me at my cell even I already reported them to the no call registry now they also calling my family members to ask for me. I spoke to them and told them that I was working with a consolidation company by the name of XXXX XXXX XXXX XXXX. They say they do n't work with these kind of agencies. they want me to give them information of my bank account or credit card. Now they are calling from different numbers, and names all from the same company.This is already affecting my job and its getting really stresful, They refuse to speak to the person is handling my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (WA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I do not have a late payment with Capital One. I contacted them on XXXX XXXX 2018 and has not been late.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Mortgage (FHA mortgage) with CITIBANK, N.A. (AL).
Issue: Struggling to pay mortgage

Complaint: I financed my home in XXXX I have only had one late payment in the past. As of XX/XX/XXXX I am now 51 days late on my mortgage payment. I contacted Citi Mortgage on XXXX XXXX to let them know I would pay them in full on XX/XX/XXXX that I had just gotten back to work. On XX/XX/XXXX they sent some to my home with a letter and gave it to a person I had cleaning my yard. Then my daughter came out of the home and was informed that I needed to contact them or I was going to loose my home. On XXXX XXXX.another person was sent to my home with a letter. And he also talked with my XXXX daughter. I get letters every day about this payment. Wanting me to contact them at XXXX when I call they say that I am being recorded when I say I am recording them they transfer me to anther line and hang up. This is harassment

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 03/28/2018 about Debt collection (Other debt) with ERC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: ERC was contacted and told that in Texas the statue of limitations of original debt is four years, Texas Statue Section 16.0004 ( a ) ( 3 ). They recieved the XXXX XXXX XXXX Debt on XX/XX/XXXX, the original collections dates to XX/XX/XXXX. I have requested that they remove it immediately from my XXXX file and they are not doing it. I have

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Public records should be deleted as of  XXXX / XXXX /17 from all credit bureaus, experian,  XXXX ,   XXXX   XXXX  . It is making it difficult to obtain credit. Please delete.

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 11-10-2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (LA).
Issue: Making/receiving payments, sending money

Complaint: My house flooded, I have received my insurance claim, and my bank is holding it. A few problems with this, for one, the amount of the check is for more than I owe on my Mortgage, legally my money. second is I have used my own funds to pay a licensed contractor to begin works, and filed all the paperwork in XX/XX/XXXX they are making to problematic to recoup my fund, 3rd they have questioned my Power of Attorney. Thus holding up transfers. The amount of money is XXXX total, they are slow to respond, and simply are taking way too long to get me the funds. So far only " releasing XXXX ''. They want to mail a check is 6 business days ... ..and continue to maintain they have not gotten paperwork that has been sent 3 times.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Problem with fraud alerts or security freezes

Complaint: I am locked out of my Transunion online account. I want to change my PIN # because of the XXXX XXXX Breach.  ( I am worried that the hacker has my PIN number to all 3 bureaus! So I want to change them, much the same way we would change our passwords. ) When I call Transunion, I get transferred again and again ... this after I explain what I need to each one of them. I have spoken with 6 different individuals, but no one can help me. One very  knowledgeable gentleman said that there are multiple accounts open in my name, and that Is the reason I am unable to logon. He said that only Transunion can clean up the mess so that I can logon and change my PIN number. But he needed to transfer me to another department. After another hold, a female answered, and I told her the issue. But she said that she could n't help me. She said I must have the wrong department! Really??? She transferred me back to a number where I started! lease help me. This should be simple to fix, but they do n't know seem to know what they are doing or where they are transferring me. I 've spent enormous time on this effort, and I have a full-time job and can not keep doing this. Please help me. If they ca n't figure out how to clean up my accounts and merge them into one, can they change my PIN so that I have some security post the XXXX  breach. That 's all I want!! 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 04/27/2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I am actually an attorney and the misuse of my credit report when there is supposed to 100 % accuracy, 100 % verifiable information, and 100 % timely information is causing grave damage to my credit report. I have provided proof of that my name is not properly showing, and a myriad of inquiries that do not belong on my report. Please remove incorrect names, and incorrect addresses, and the erroneous reporting of my date of birth as a XXXX, which misleads anyone looking at my report to think I am either deceased or do not exist. 
The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply with the law by providing correction of the information within the 15 days. 

Please remove the following inaccuracies and inquiries from my report, and update to ONLY the current information : Date of Birth is XXXX - PLEASE CORRECT THISXXXX XXXX BANK XXXX XXXX XXXXBanks and XXXX & XXXX BANKBanks and XXXX & XXXX XXXX Credit XXXX XXXX XXXX ADDRESS PLEASE REMOVE : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX ADDRESS PLEASE REMOVE : XXXX XXXX CT, XXXX, OH XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I sent the below letter to Experian. My report now reflects the bankruptcy as updated but this is not the case at all. Several credit items stated included in bankruptcy, but this is not the case. These items should all be removed. To Whom It May Concern : I am disturbed that you continue to list the dismissed bankruptcy as confirmed within my credit file. Although it is your policy to keep reporting bankruptcies that are filed, voluntarily dismissed or adjudicated for XXXX years, the Fair Credit Reporting Act mentions nothing in XXXX XXXX relating to bankruptcy about dismissals. The law clearly states from " date of adjudication '' or date of " order for relief ''. In addition, Section XXXX does not specify a minimum period for which a bankruptcy must remain on an individuals credit file. Experian continues with the erroneous misinterpretation of said guidelines. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. Therefore, pursuant to XXXX XXXX XXXX a ) ( XXXX ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. 

I also reported this to the XXXX XXXX XXXX and yet to receive a response from Experian. The bankruptcy was involuntarily dismissed. 

Furthermore, the information in regards to the bankruptcy on my record is incorrect. I requested proof of the findings of their investigation. I also have disputed this several times, and yet to receive any information regarding their findings including proof of such findings and also have been given the run-around. They claim that all voluntarily dismissed bankruptcies are to remain on the credit report, but this was involuntarily dismissed, so based on the information I received by Experian, this should be removed, correct? I was not given any additional information on this.

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 12/26/2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am trying to contact TSI to discuss my bill and nobody answers the phone and the answering machine is full so I am unable to talk to anyone to resolve my issues. There was a misunderstanding and I am not able to talk to anyone to resolve this issue. Because of this I am afraid this will negatively affect my credit rating. As soon as I received the bills from TSI I paid immediately and I am requesting they do n't submit this late payment to the credit bureaus. My payment was no more than 31-60 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Debt collection (Medical debt) with Amsher Collection Services, Inc. (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXXAmsher Collections Services Inc. 

This is the second time you have violated the law and myself. YOU DID THE SAME EXACT THING IN XXXX. IS THIS HOW YOU ATTEMPT TO COLLECT ANY DEBT? BY NOT VERIFYING THE DEBT STATUS, AND NOT CONTACT THE DEBTOR TO MAKE ANY ARRANGEMENTS TO PAY. Not once did you try to reach out to me to attempt to collect any debt or advise an collection status. I do understand your FOR PROFIT Debt Buyer Company buys unknown unverified debt in turn to make a profit. This must stop. I need notification today this fraudulent COLLECTIONS STATUS is removed. 

Why does AMSHER waits to I pay the medical Bill in full only to place the current account in collections????? PLEASE ANSWER I am in receipt of the collections practices and correspondence made by Amsher Collections Services Inc. This Account has been paid in full since XX/XX/XXXX, and you have still ignored my payment. As of XX/XX/XXXX I have received several credit bureau alerts IAO {$110.00}. Regarding allege records of nonpayment to XXXX XXXX XXXX by myself. 
In conclusion it is my position to dispute Amsher Collections Services claims are entirely without merit. Amsher Collections Services Inc. must correct their records, and remove from the collections process FROM ALL THREE CREDIT REPORT AGENCIES. 

FYI, Amsher Collections is only known as a Debt Buyer with no actual proof, debt validation, or payment history really exists as the CFPB does not accept these kinds of violations. You have until Today to remove the collections from all Bureaus you are reporting inaccuracies. We are will filing suit against your For Profit Company AKA as a Debt Buyer Company, and involve several third parties to insure you comply, and recover any financial compensation by law. I request you send me confirmation you have complied with my request. 

Please see attached supporting docs and dispute letters are in transit to multiple agencies to insure you comply with the law. DOCKET IS FILE! 

FYI, Please respond to all to insure your complying with my request TODAY. Copied is my Attorney, CFPB, AL State Attorney General

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: on XXXX/XXXX/16 i sent several letters to transunion reguarding inquires that contain inaccurte information abour two weeks later i received the same number of form letters from transunion saying thank you for your questions about inquires then went on to explain what inquires were i called transunion the person was in a foren country and had vary bad XXXX after about an hour i was able to understand that trans union dose not investigate inaccurt information regarding inquires the following are inquires that contain inaccurt information all inquires in question are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. trans unions 30 day investigation time limit is up a few days ago another phone call showed that nothing was done as to investigation or removal of the inquires in question

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 01/31/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: RE : ACCESS TO MY TRANSUNION CREDIT REPORT. 

Last night I DOWNLOADED A COPY ( OR SO i THOUGHT ) FOR MY PERSONAL FILES AND TO PRINT LATER. WHEN I GOT READY TO PRINT THE CREDIT REPORT, I RECEIVED AN ERROR STATING INVALID FILE STRUCTURE. please see attached pdf for detailed screenshots. i am unable to go back to transunion or XXXX and download another copy. 
I understand the policy is you get the XXXX chance to download the file and it is stated to print of download a copy for XXXX 's files because of not being able to go go back and access at a later time. BUT I did download my report and as you can see in the attachment it appears I legitimately have my transunion credit report downloaded as a PDF - i.e no error messages are present NOR did I receive error messages while downloading. SO i exited transunion to go to next credit report. I would like to be able to get a copy of my report and do not feel I should have to pay. please feel free to contact me at : XXXXXXXXXXXX or cell phone 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 01-09-2017 about Consumer Loan (Vehicle loan) with CarMax, Inc. (TN).
Issue: Problems when you are unable to pay

Complaint: My bank account was compromised for the second time with XXXX XXXX, sent Carmax the bank document that stated as such that caused my payment to be returned. The first time they corrected it with no problem ( correspondence attached ), the second time I get a letter stating that they can not correct the information. Not only that, I received an extension and they continued to call me and state that my account was past due. I had a XXXX and a XXXX XXXX in XXXX and when I initially called to let them know this, I was told that my request for an extension would not be approved because my loan always ran 20 days behind. I told the lady that I knw that but that it had never been 30 days late because I had to purchase an additional {$800.00} in medication per month now and that it was a struggle for me to make these payments. I then mailed hem a check in the amount of {$1100.00} and they put my car out for repossession. I called to tell them that my check had been cashed and yet my car was out for a repossession. the lady on the phone told me that it had been posted as XXXX lump sum payment and that she had to request it be broken out and credited properly. This lady did listen to me when I told her about my health situation and was kind enough to extend my payments through XX/XX/XXXX2016. This has been nothing but a headache and needless to say this is not my first car loan through car max, but it will be my LAST! 

POOR Customer Service!

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (OK).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: TRANSWORLD SYSTEMS calls me daily to seek a debt I owed to a bank in the amount of {$120.00} They call from a different number every few days, sometimes multiple times in a day. The person on the phone is always rude, last time I spoke to them was a few weeks ago ( now I just hang up ), on that occasion they threatened " further action '' if I did not pay the measly {$120.00}. 

They tried to get my bank account information, and promised that they would not extract the funds until XX/XX/XXXX, I did not give them my account info, as I had bills to pay and other debts to pay. 

They have threatened to take legal action, they have called me late at night, they have been rude and demanding, and they call me many times in a week. I am sick of them. I plan to pay when I can afford to, but I have many debts and many bills, and I am the sole worker in my family and my wife is pregnant. I ca n't even afford insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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: Experian continues to report inaccurate information even after I submitted proof that it is erroneous! This information reporting is INACCURATE, INCOMPLETE, and it has been changed several times stating that my monthly payment was {$530.00}, {$510.00}, {$67.00}, and now {$92.00} dollars. Also, all the previous good payment history was all deleted. The amount stated past due over {$10000.00} owed last month, now its stating {$9300.00}. This new wrong amount is stating that I am 180 days behind as of XXXX 2017 and this is going to negatively impact my Credit Score very badly and may cause my Credit Score to drop over XXXX points!!! I ca n't afford to take another hit on my Score because of them refusing to obey FCRA Rules & Laws and to report correct and accurate information!! What they are doing is illegal!!! They have clearly broken several Federal & State Laws! When you review the documents attached, you will clearly see that they are not in compliance and need to be reported and perhaps sued! 

One of the biggest discrepancies are that on two ( 2 ) different Direct Experian Credit Reporting Systems and Reports they have different information, open dates, and amounts being listed! This is clearly grounds for this inaccurate account to be DELETED IMMEDIATELY! This account & it 's errors are stopping me from getting the necessary emergency funding for me & my family! Please see the copies of proof I have of my Credit Reports showing a very serious issue with their reporting and also please see proof of XX/XX/XXXX from both Reports for Experian.com & 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 04-07-2017 about Bank account or service (Checking account) with PNC Bank N.A. (OH).
Issue: Account opening, closing, or management

Complaint: I have Account  with PNC bank For Long Time With Good standing Balance, Suddenly They Close my A/C, No given Reason Say we can close any A/C If we want.

Company response to consumer: Closed with explanation