milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XX/XX/XXXX I noticed a inquiry from a company by the name of XXXX. I called XXXX and they confirmed that I do n't have any information in their files from XXXX at all so they are unsure why Transunion is reporting that inquiry

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 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: Hi, This company XXXX XXXX XXXX XXXX is basically behaving on ethical. 

They he failed at every attempt to provide Proof that this fraudulently alleged account belongs or have any Bering related to me. There is no one to talk to him when you call in besides customer service periods you are constantly being transferred to the apartment where you can only leave a voice mail and your phone calls are never returned and I can no longer go on like this my credit is shot my credit was ruined this has to come to an end.

I don't know how to go further but I will have to take legal action to the fullest extent of the law and I will keep from now on a very clear record of all my communications showed I need to file another claim.

Nevertheless, experience has not uphold its lore by providing me within 30 days Proof which is they received from the alleged fraudulent account in this case pens fed that there is any accuracy related to me buy more this must be removed not only because it fails every component of the federal Credit reporting act but it's sales the fact that this is my accountant this is not my account I am reiterating.

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 01/31/2016 about Consumer Loan (Vehicle loan) with First Investors Financial Services Group, Inc. (OH).
Issue: Taking out the loan or lease

Complaint: I just got out of the XXXX XXXX after 6 years of service, i have medical XXXX including combat XXXX. I went to bill XXXX in XXXX for a vehicle and i wanted the XXXX it was a bit high priced but they said it would be paid off in 3-4 years not i got this auto load i pay XXXX a month at about 19 % interest. I have paid over XXXX dollars and it shows on my account i only paid about XXXX k from my original loan amount.I am using my XXXX pay for this vehicle i was under the impression i would be paying for another YEAR OR TWO AND BE DONE. but now my contract is almost 7-8 years long and the new XXXX are cheaper than what mine is. I desperatly need help i am a divorced father or XXXX kids and not my first experience buying a vehicle from a dealer i get completely taken advantage of. I feel insulted to know i have done everything for my country to see XXXX person ruin my entire life because of a car. my original amount is almost XXXX i paid over XXXX k and it only shows the principal amount to be XXXX i pay to own. at this rate i will pay XXXX for this vehicle. I thank you for reading and XXXX i hope you can help me please.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Debt collection (I do not know) with National Enterprise Systems, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: They call 5 times a day and do not leave messages and when the phone is answered the do not say anything. This happens everyday for the past year or two.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 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 information incorrect

Complaint: XXXX   XXXX   XXXX   2006 , is reporting that my account with them is open. It is closed and they need to report it closed. They sold it to  XXXX   XXXX   XXXX . I was always current with them.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: Equifax recently was part of a cyber attack in which millions of people 's information was compromised. Only way to figure out if you were compromised is to visit a equifax website in which they try to sell you fraud protection. Should n't have to pay them for fraud protection when my information was compromised due to their security and no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Debt collection (Medical) with United Collection Service, Inc (FL) (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was a victim of identity theft years ago that has since been handled. I made police reports and several accts were investigated and removed from my credit report. This last acct is for an ambulance ride in Florida i did not take. I have disputed this acct several times but they refuse to remove it. I was not even a resident of Florida at this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Loancare Auto Finance (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XX/XX/XXXX I leased a XXXX XXXX XXXX from XXXX in XXXX, Florida. 
A week later the blower motor went, which I fixed and alerted the dealer. Also, that same day I let him know the car was shaking real bad when I went over 45 mph. He said he would check it out, they did and told me nothing was wrong it may need some new tires. For the next seven months I was back and forth to the dealership, because the car was giving me issues and each time they would tell me nothing was wrong, yet the car was still shaking and barely moveable. Each month I made payments on time. Finally, in XX/XX/XXXX I spoke with the dealer and submitted the vehicle and told him to fix whats going on or keep the vehicle. I told him I couldnt afford to fix the vehicle and make payments. He said because I was honest with him and submitted the vehicle in good payment standing, that I was good, he would call it even. At this point, I thought it was over. A month later a guy I see a guy in my neighborhood with the same vehicle that I turned into them. So now Im like everything worked out well. In XX/XX/XXXX I happen to check my credit report and what do I see an open account from XXXX as if I still have the vehicle. So on XX/XX/XXXX I call XXXX in there financial department. I tell her I have taking pictures of the vehicle and I know its been released and that they are very wrong for still having me tied to this vehicle. She says they must have made a mistake and that the account should have been closed and that it shouldnt even be on my credit. I told her I was going to file a report and she beg me not to, she said she would fix. She called me back and sent me a text showing they had cancelled the balance and that it would be off of my credit on XX/XX/XXXX because thats the day they report. However, it wasnt removed. After several calls I decided to let the bureau handle it.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My Name is XXXX XXXX. Am looking at my credit report and there are 8 hard inquiries from the following companies that an disputing because i haven't had any dealings with them. 
1. XXXX. There are 5 inquiries from this company dated - XX/XX/XXXX - XX/XX/XXXX Two inquiries on the same day. 
- XX/XX/XXXX - XXXX. 
2. XXXX XXXX- there are 2 hard inquiries dated - XX/XX/XXXX - XX/XX/XXXX XXXX. XXXX XXXX. There is 1 XXXX dated XX/XX/XXXX. 

I have not had any financial dealings with these companies and thus would like to dispute these inquiries. 

Yours respectfully XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Late fee

Complaint: Late fee charged on an account that was not behind in payments.

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 monetary relief
Consumer complaint received 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax in violation of my cra showing a late payment never late with XXXX trans has fixed it but Equifax has not

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Credit card () with BARCLAYS BANK DELAWARE (NC).
Issue: Billing disputes

Complaint: I have been attempting to dispute a transaction -- which has since been accruing interest -- since XXXX regarding a XXXX online subscription that I initiated and then cancelled. The XXXX says that it is settled from their end, and that the only reason I could still be being charged is due to a failure on part of my card company. They will not respond to my messages ; every time I try to call their line is " busy '' or they are " not open '' ( even from XXXX ). I cut this card up months ago. I do not use it. And I do not want to pay this interest over a {$5.00} charge I never made months ago. I do n't know what to do.

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 monetary relief
Consumer complaint received 01-10-2017 about Student loan (Non-federal student loan) with DISCOVER BANK (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: In XXXX XXXX I reached out to Discover Student Loan asking for help repaying my student loan debt. Each time the response was the same, they can defer my payments for 3 months, which only temporary helps and causes my monthly payment to increase after the 3 months defer is over. I sent emails, called customer service and each time I get little or no help. I understand this debt is mine and I am not trying to avoid paying back my debt however I have stressed multi times the monthly payments are just not manageable! After researching student loan modification I stumbled across an article written back in XXXX stating Discover Financial Services is XXXX of XXXX lenders offering loan modification programs. something that was NOT offered to me! The article XXXX states Discover would not release details until XXXX however they plan to lower interest rates on distressed customers and may even come up with loan forgiveness programs for overwhelmed borrowers. I understand each situation is different and must be worked out based on borrowers individually to repay. I like many others are looking for a solution however many complaints show that borrowers sought to negotiate a modified repayment plan with little or no help - Why?? We are trying to repay but need help. Can you please help???

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Credit reporting () with TENET HEALTHCARE CORPORATION (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have XXXX accounts from CENTRAL FINCL CONTROL all dated XXXX 2016 that reflect debt that I did not create.I have made several attemps to contact them in writing and by phone and have been unable to get an answer as to what they are for and have stated to them that they are not my debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: My credit scores for XXXX ( XXXX ) and XXXX ( XXXX ) are assessed by XXXX XXXX as " Excellent '' but my score at Equifax ( XXXX ) is listed as only " fair '' -- XXXX XXXX tells me that Equifax 's rating will result in higher fees and interest rates, difficulty qualifying for the best rates, etc. In response to my phone inquiry Equifax tells me that I am insufficiently in debt to have a higher score : Within the last 10 years, I failed to have a mortgage on any of the XXXX houses I owned and on neither of the XXXX cars that I owned. If I want to raise my score, I was told I should take out a mortgage or XXXX and take out a car loan -- -even if I pay them all off the next day. According to Equifax , if I was more in debt, I would somehow be a better credit risk. This makes absolutely no sense to me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Student loan (Non-federal student loan) with Ability Recovery Services, LLC (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Ability Recovery Services agent XXXX XXXX was rude when spoke to me regarding a debt. I was not aware of the debt and asked her to indicate that as my response. She told me she would write " I refused to pay ''. I then asked her to speak to a supervisor and she told me she would not transfer me to a supervisor to tell them the same thing I told her. I attempted to call the company back in hopes of getting someone else but I kept getting her. Each time she would hang up on me. I have filed a complaint with the XXXX hoping to have them cease communication with me but they continue.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Whom it may concern : I have submitted three ( 3 ) separate qualified written investigation requests ( months XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX ) to Transunion. I have request that, as required under FCRA section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ), provide copies of any original documentation be provided as verification. Transunion has failed to provide the method of verification as required under Section 611 ( a ). 

Transunion has not only failed to provide verification ( written  documentation of proof of contractual obligation, they have also refused to investigate all of the tradelines or credit reporting to my credit that was listed on my investigation request, often completely ignoring my XX/XX/XXXX written investigation request and investigation tradelines that I never requested. Transunion updated some of my request for investigation as verified but refuses to provide documents on how it was verified although I have requested in my written investigation request numerous accounts. I have attached proof of my investigation sent along with my certified mailing receipts.

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 04-04-2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MA).
Issue: Problems when you are unable to pay

Complaint: My son and I were approved for a loan at 20 % interest from Santander bank. 
We should not have been approved as he is XXXX with a family to care for, and because he was late on his payments, he owes more than what he borrowed. 
I was refused by XXXX other lenders because my credit is bad. 
How did we get this loan?

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (MI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I had a problem with XXXX/XXXX XXXX Reporting. 
I filed a complaint and have been dealing with XXXX XXXX a Senior Specialist with XXXX XXXX XXXX. ( XXXX ) XXXX. 
Several weeks ago she told me the wrong reporting to the three Credit Bureaus showing I owed a balance greater than my credit limit, would be fixed on XXXX/2017. 
I spent 3 hours on the phone with XXXX XX/X/2017 reviewing items already returned as delivered defective which I should have a store credit on to totaling close to my credit limit. I contacted XXXX XXXX to timely pay my balance off so it would properly report, they refused, so I contacted XXXX XXXX to correct this an my multiple calls have not been returned.

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 12/30/2015 about Mortgage (Conventional fixed mortgage) with HOME FINANCING CENTER (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Home Financing Center, XXXX XXXX, Florida, is requiring I have Hazard Insurance on my condo in XXXX, Florida. The condo homeowners association already has property, crime, and general liability insurance on this property. The property is not in a flood zone. I have provided this documentation to HFC. I have written several letters to them requesting information concerning why Hazard insurance is required on this property. The last letter was addressed to XXXX XXXX, President and CEO. HFC claims I have been notified on two occasions explaining the circumstances surrounding the need to have Hazard insurance. To date I have not received a response explaining why Hazard insurance is required on this property. I have owned the property for many years and the only thing that has changed is that the property was refinanced from a 30 year mortgage to a 40 year mortgage. HFC appears to have purchased Hazard insurance for this condo unnecessarily last year and this year at a total cost of over XXXX dollars.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have made payment in Full to the collection agency ( Receivable Performance Management-RPM, Washington State ) since XXXX 2014 and after several calls to the Debt collector, the information still remain on my credit report as the OPEN unpaid. i have called them several times in XXXX, XXXX, XXXX, XXXX and now XXXX to correct this error and they promised to remove but have not done anything. This inaction is affecting my credit despite making full payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Credit card () with JPMORGAN CHASE & CO. (ND).
Issue: Billing statement

Complaint: fails to contact me via email or mail to handle potential fraud activity on cc

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2017 about Student loan (Federal student loan servicing) with ECMC Group, Inc. (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: XXXX XXXX/XXXX stated in the Federal Student Aid that I defaulted on my rehab loan. They said that I failed to make 6 consecutive payments. I I have 2 documents from XXXX XXXX that states that I made 6 consecutive payments. The other document states that I made 7 consecutive payments. The truth is I made 10 payments and 9 of those were consecutive. Then they said I defaulted on my rehab loan so they could garnish my wages, which they did. I never signed any paperwork in regards to any agreement on rehab payments. I made 10 payments of {$150.00} on 9 consecutive months. The first month was XX/XX/XXXX- XX/XX/XXXX. Again I have all paperwork that backs my statement. On ECMCs website I was able to look up both of loans. Since ECMC became my lender. I noticed that on XX/XX/XXXX they stated that there was an rehabilitation repurchase payment from a lender for both loans, yet they never showed that they subtracted both payments to my account. I tried to have the Ombudsman look into this. ECCM said after 5 years they dont have records. I informed the Ombudsman that the paperwork I provided them with was from ECMC website. ECMC, XXXX XXXX and XXXX are the ones who are not telling the truth. ECMC took my refund from the I.R.S on XX/XX/XXXX. The total was {$3900.00}. On XXXX website and on ECMC website, they state that there were payment reversals. There where 6 payment refunds in which they sent me checks. They also state that one of those checks they sent out was the {$3900.00} for my taxes. I never saw that check, nor  did I cash it. The other ones I have check stubs and I cashed them. Of the paperwork that I received from XXXX, ECMC, or XXXX, no where does it ever show what payments went too, or a balance. There are more little mistakes that all three seem to keep making. If and when you decide I have a good case to sue, we can go over those too. 
Ecmc-ca stated in XX/XX/XXXX, that I defaulted by not making six consecutive payments. I found the paperwork that shows I made 9 consecutive payments. ECMC said I defaulted so they could wage garnish. When ECMC started me on a rehabilitation loan they never set me up with any paperwork. From their website I was able to see that there was a Rehabilitation Repurchase Payment. I asked ECMC to show a running total of what I paid. They never reply to any of emails, phone calls. I have all the paperwork that shows payments made to them that total over {$15000.00}. When other lenders would buy the loans, it never showed me paying anything. XXXX/ECMC are the ones who I paid from {$15000.00} - {$18000.00}, yet I never see this anywhere. What can I do? 
Thanks 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