milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I accessed my personal credit file from the individual Credit Reporting Agency 's and noticed that there were several ( 25-35 ) unauthorized credit inquiries on my report. I contacted  XXXX directly and spoke with 3 different representatives and explained that my credit file was accessed 3 times in one day by a company and 5 times within 8 months by another. I advised them that my credit file was being abused and they kept stating that it was a factual representation of my file. I went over each inquiry with the representatives one by one and let them know which inquiries i authorized and for what occasion, and they refused to remove or investigate the inquiries. I was in fact told by the representative ( supervisor on duty XXXX ) that they do not investigate inquiries and in fact the ability to dispute them online or even by sending in a motion to investigate the inquiries via mail, are pointless and will not be investigated because " it is a factual representation of the consumers credit file ''. This is hard to believe when I, as the consumer, openly stated which inquiries i authorized and which ones i did not! As stated by FCRA rules all disputes must be investigated. XXXX is failing to comply with FCRA laws and regulations. The inquiries in dispute are listed with their corresponding dates : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX # XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX :XX/XX/XXXXXXXX XXXX : XX/XX/XXXX XXXX :XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX :XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX ( not a typo twice in one day ) XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX :XX/XX/XXXX ( yes they accessed it 3 times in one day ... you now see my point ) XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXXAs you can see from the inquiries listed  above, there has been misuse of my credit file and the representatives of XXXX refuse to handle the situation promptly, instead they state that inquiries will not be investigated, which directly goes against FCRA laws and regulations. FCRA section 623 ( b ) ( 2 ) and 611 ( a ) ( 1 )

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 06/22/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: FedLoan refuses to appropriately address its repeated violation of laws. In a previous letter, FedLoan discussed section 682 ; however, they refuse to respond to its violations of 685. In violation of federal law, FedLoan Servicing restricts repayment in various ways including but not limited to : ( 1 ) limiting 8 electronic payments per month ; and ( 2 ) refusing to accept payments on weekends. The text of operative legal language is included below. Note that the law requires that borrowers be provided the opportunity to the prepay the debt AT ANY TIME. Therefore, FedLoan 's limitations are illegal. 685.211 Miscellaneous repayment provisions. ( a ) Payment application and prepayment. ( 1 ) Except as provided for the income-contingent repayment plan under 685.209 ( a ) ( 3 ) or the income-based repayment plan under 685.221 ( c ) ( 1 ), the Secretary applies any payment first to any accrued charges and collection costs, then to any outstanding interest, and then to outstanding principal. ( 2 ) A borrower may prepay all or part of a loan at any time without penalty. If a borrower pays any amount in excess of the amount due, the excess amount is a prepayment. XXXX XXXX XXXX Very truly yours, /XXXX/ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Professional Debt Mediation, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I wrote to the credit bureaus and explained to them that where I lived they never properly explained that I was going to be liable for the debt. That they only listed me in the apartment lease because I was older than XXXX. I explained to them as well that I never paid anything while I was there I had even said prior to moving out of there that I was going to move and the manager said that it wouldnt be a problem because I was never going to be liable. Later on I found out that in fact I was held liable just like the people that live there that moved out of the place without paying and it affected me horribly because til today reports on my credit report as a collection.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Credit reporting () with Stellar Recovery, Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: XXXX has an address I have not lived at listed : XXXX XXXX XXXX XXXX XXXX, FL XXXX is NOT an addressed I have oppucied. I just noticed. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I signed up for XXXX cable and internet service, but was immediately dissatisfied with the service. I used their online chat to cancel my account within the first 30 days of service. I have a saved, time-stamped chat log confirming the account was closed. I then returned all XXXX equipment the very next day, which was also within the first 30 days of service. I have a dated receipt from the local XXXX office showing the exact serial numbers of all equipment returned. XXXX 's 30 day money-back guarantee entitled me to cancel the new account and owe nothing. However, XXXX apparently sold this false debt to Diversified Consultants. I provided all proof of cancellation and equipment return receipts to Diversified Consultants but they refuse to remove the derogatory remark from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Privacy

Complaint: Bank of America shared my financial information with Debt Services companies who within a matter of days sent me letters stating : " we are aware of your current financial situation. '' and offering to restructure my credit card debt. I had contacted Bank of America seeking a reduction of the high APR that kicked in once a 0 % balance transfer offer had expired.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Eaton Group Attorneys LLC (LA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: MY NAME IS XXXX XXXX XXXX. This company, or law firm, Eaton Group Attorneys LLC, is taking me court for XXXX, and I do n't know what they 're talking about. That was on my credit report, but these lawyers, just started sending me paper to pay a debt of {$1700.00}. I only get XXXX. from SSI, I could hardly pay my bills.The marshal came here with a summons for me to answer them, and I did. I went to the city courts, and got the Clerk of Court to stamp it she sent it to them, and I did too. After that they starting sending me papers saying that the judge had render in there favor, and they had wrote up a payment plan. This is what been going on since, I answered them XX/XX/XXXX. Now they have a Motion of Memorandum to compel discovery. They are saying that pursuant to rule 10.1 of the local riules of court a conference regarding some outstanding discovery on XX/XX/XXXX, and it was scheduled on XX/XX/XXXX and that I did not participate, well, I was most certainly did n't know anything about that of that. These people never contact me by telephone, after I answer them, they kept sending papers, The last one they sent, before I got summons to be in court on XX/XX/XXXX. has a bill from XXXX dated XX/XX/XXXX saying Minimun due {$570.00}, and New Balance {$1700.00}, That do n't show what I got. It have payment due date on XX/XX/XXXX.Then at the bottom of the page, there is a Payment certificate, look like something they printed out. I 'm not in any shape financially to pay these people anything. XXXX emailed me to get something with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Debt collection (Other debt) with EQUIFAX, INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am contacting you to inform you that I recently received a copy of my Equifax credit report and after carefully reviewing, I have found a number of accounts that are inaccurate and do not and have never belonged to me. These items that are reporting on my credit file are inaccurate and are hurting me from obtaining a mortgage in the near future. Below are the following accounts I would like to have removed and my credit report updated as soon as possible. 

Account : XXXX XXXX XXXX Account : XXXX XXXX Bank Account XXXX XXXX XXXX Bank & XXXX I have requested that the credit bureaus send copies of the documents that they have in their file to verify accuracy and they have failed to do so. Under the fair credit reporting act, I have the RIGHT to demand that they disclose all documents that are recored and retained that presents valid proof that these documents indeed belong to me. If they are unable to furnish the proper documents I demand to have these accounts deleted

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: My old roommate used mt name and business to file a fake payroll account at her company XXXX in 2015. I was unaware of this and did not authorize this. Many months later I received letters from XXXX proclaiming I owed them taxes for employees I paid. I did not have any employees besides XXXX XXXX XXXX XXXX XXXX and I had never filed a payroll. When I called XXXX my roommate was fired for fraud and forgery, but they did not attempt to fix the error with the XXXX. The XXXX later put a public records lien against me for the amount the claimed I owed, and took the money from my savings account. I contacted them and they admitted their mistake and released the lien, but the lien was already on my credit report. When I contested the issue with Equifax they said they reviewed the lien and the information is correct. Yes the lein was filed against me, but it was done so by action of fraud against me and the mistake of XXXX. This mistake by Equifax has hindered my ability in being accepted for any loans or credit cards. I am being punished for the actions of someone else and it is affecting my ability to operate my business, buy a home, and live my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/23/2016 about Debt collection (Payday loan) with NCB MANAGEMENT SERVICES INC (AL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company has called my house number, my work number and my cell phone on Saturday before XXXX XXXX and then called again on Sunday XXXX/XXXX/2016. I told them that I would n't discuss this matter over the phone until I receive notification in writing. They said they just purchased the account and are in process of mailing out the letter, but they want to handle this account as soon as possible, because it is time-sensitive. Then they said they would send me an email, to which my reply was " That 's fine, but I still need it in writing. '' The rep told me that snail mail is too slow and they would send it, but they really want to handle this situation as soon as possible. Also they told me that they reported this account on credit as a negative and they will remove it once I 've paid it off. I checked my credit and there is nothing there.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Cohn, Goldberg & Deutsch, LLC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I took out XXXX personal loans on XXXX separate occasions from XXXX XXXX XXXX : ( 1 ) {$2000.00} and ( 2 ) {$6000.00}. I have already paid over {$14000.00} for both. I stopped paying for the last loan since I was told I had paid it off, but still owed {$4600.00}. The law firm to whom my outstanding debt was sent, Cohn, Goldberg & Deutsch said they may sue me for an additional {$4600.00}. Can you help with this excessive usury? Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (MA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Portfolio Recovery Associates, XXXX, {$4900.00}. I have sent Portfolio Recovery Associates, XXXX several debt validation and Portfolio Recovery Associates, XXXX has not responded. Portfolio Recovery Associates, XXXX has alos reported this collection to all 3 of my credit reports. I have no knowledge of this collection

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (AL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: After giving this company a 30 day notice I mailed and emailed XXXX XXXX XXXX a 30 day notice that I would be moving out at the end of XXXX XXXX. I repeatedly tried to call them to meet me for a final walk through but no one responded. In XXXX XXXX, I received a bill for over {$4000.00} in " damages ''. I contacted XXXX XXXX notifying her that the amount was incorrect and sent pictures as well. She stated, " After my supervisor reviewed the pictures from your move out and your email in response to the charges, he has agreed to remove the paint charge of {$1200.00}. You still have a total of {$1700.00} of move out charges and balance owed to XXXX XXXX XXXX is {$2200.00}. You will need to talk with XXXX to set up payment arrangements. '' I contacted her stating that I did not owe any money for the floor because I did not damage the floor. Also the repair cost they stated was too high. The floor became damaged due to a leak from the AC unit in the attic. The maintenance personnel repaired the leak. Also I did not damage any cabinets or shelves. I noted that they were off track in the move in document. I notified the property management of the damage and they said it would be taken care of. The floor boards were never replaced. I contacted XXXX XXXX about getting a final settlement amount and payment arrangements. I called and sent several emails asking for an explanation of the {$2200.00}. No response from XXXX XXXX XXXX. In XXXX XXXX I received a collection notice from National Credit Systems Collection Agency stating that I owe {$2200.00} and must be paid as soon as possible. XXXX XXXX XXXX did not contact me concerning this after I made several attempts to settle the issue. It should not have been sent to National Credit Systems collection agency without giving opportunity to settle the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NE).
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 have reported the fraudulent account with XXXX to the FTC and have attached the report to this complaint. I have also alerted XXXX that the account was the result of fraudulent activity. Experian is currently investigating this, however, pursuant of the Victim of Identity Theft clause of the FCRA ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
I demand Experian block this fraudulent account from my credit file within the next 4 days. Experian is not handling this dispute properly and it is costing me a great deal of money. If left uncorrected, I will be forced to take legal action.

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 11-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: In XXXX of 2017 when I moved out of my previous address I started getting major identity theft and someone using my identity and applying multiple times everyday for Banks and car loans and continued to use my information and insisted to not stop till I put an end to it and called the credit bureaus and one out of 3 was able to kindly assist me and remove all hard inquiries that brought up to almost 90 and now down to 30 but the other bureaus are giving me a hard time to remove them after months later and its affecting me and building my credit score and in the future to get a loan.

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 04/27/2017 about Debt collection (Auto debt) with NCB MANAGEMENT SERVICES INC (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have been disputing this for over a year now. I have letters from  XXXX  of   XXXX   that was sent ask ing NCB management a nd  XXXX   XXXX  to send me a payment history, which they refuse to send because  the SOL  in North Carolina have ran out and they are re-ageing the account to add a negative report on my credit report.   XXXX   has removed it because they would not verify the information. I 'm still disputing it with   XXXX   who refuse to send me the verification as well. I 'm giving bo th NCB management  and  XXXX   XXXX  15 days to comply with my dispute or I 'm taking them to small claims court which they would have to provide what I 'm asking. a payment history. this is my final attempt to contact them. I will see them in court. THIS IS MY FINAL ATTEMPT. I have sent more certified letters again. still no response to what I 'm requesting. a payment history

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have placed fraud alerts on my credit report as there has been a series of invalid inquiries and accounts opened. I have filed several disputes in an attempt to have the items removed from my credit report and have been unsuccessful. I have filed an Identity Theft Affidavit with the FTC and a police report with my local police department. I am asking for removal of the following inquiries : Rise : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, I XX/XX/XXXX XXXX, I XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXXXXXX, 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 07-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (OH).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: American Express annual fee which I have repeatedly requested a copy of the application which they state I signed indicating authority to charge an annual fee which I have not although for the past five years or more they continue to bill this fee each year indicating the same response that they will send my executed copy of the application-The latest charge was on XXXX XXXX 2017 in the amount of {$95.00} each year.

Company response to consumer: Closed with explanation