milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ONEMAIN FINANCIAL HOLDINGS, LLC. (SC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have been paying on a loan with One Main Financial. I was at the office location in XXXX in XXXX SC and my records were sold to the location on XXXX XXXX XXXX without my consent. My balance was paid down to just over 6,000 and I received a credit alert stating from XX/XX/XXXX to XX/XX/XXXX of this year my balance jumped from {$6100.00} to {$15000.00}. I have not taken out a loan. This was brought to my attention on XX/XX/XXXX and I visited the office on XX/XX/XXXX. I was told that there records showed no such thing. I asked for a master printout and the guy printed out what his work station showed which only showed the last couple of months of payments. He then proceeded to cut off the top of the form that had the company logo on it before giving it to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-12-2017 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Here is the letter I sent the collections agency. It describes the situation well. 
XX/XX/XXXX REGISTERED MAIL Transworld Sys XXXX. XXXX XXXX XXXX, PA XXXX Dear Sir or Madam, Today I was reviewing my credit report and I learned your agency filed XXXX collections on my credit report on XX/XX/XXXX. At no time did I receive anything from your company stating that a collection action had been filed nor have I been given an opportunity to determine if these debts were legitimate before you placed them on my credit report. 

In researching these bills I have discovered that these collections were sent to you by XXXX XXXX XXXX XXXX, XXXX a billing company for XXXX XXXX XXXX, an in-network XXXX XXXX XXXX XXXX. Despite a date of service XX/XX/XXXX XXXX XXXX failed to bill my insurance until after this account was assigned to your agency despite being given the correct billing information many months earlier. 

It appears that shortly after this account was sent to your company XXXX XXXX finally billed my insurer and was sent payment. On XX/XX/XXXX, XXXX, my health insurance company sent XXXX XXXX full payment for all services rendered under all three bills. Under the contract XXXX has with XXXX XXXX XXXX XXXX he has agreed to accept a discounted amount from members of the network, he was paid that rate in compliance with the contract however your company is attempting to collect the difference between the contracted amount and the amount billed. Your company clearly is aware of these payments because you reflect the updated balance on my credit report, this demonstrates your companies complicity in attempting to collect a debt you are not entitled to. 

XXXX XXXX and XXXX XXXX have been paid all amounts legally due them under the in-network contract he signed, neither your company nor any other party is entitled to collect any further amount. There is no basis for this collection action whatsoever. I demand you cease all efforts to collect and remove all derogatory information from my credit report immediately. Failing to do so will result in a complaint being filed with the Consumer Protection Financial Bureau. 

I have enclosed the explanation of benefits forms providing evidence that these bills have in fact been paid, had XXXX XXXX and XXXX XXXX properly billed the insurer they would have been paid within 30 days of the services being rendered like every other party that provided service during this admission. 

Any correspondence regarding this matter must be done in writing. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a short sale due to financial difficulties back in XXXX 2015. XXXX XXXX XXXX XXXX was the first trust lender. IT was agreed upon that for the short sale to be approved, that settlement was to happen no later than XX/XX/15. ( actual settlement was XX/XX/15 ). The proceeds to be received by XXXX XXXX  from the sale must be greater than or equal to {$340000.00} ( which they received ) and a cash contribution on my behalf for {$6000.00} in certified funds ( which they received ). I have a signed letter from XXXX XXXX Mortgage loss prevention supervisor to reflect this and also a HUD 1 settlement sheet. I had my credit pulled this month and to my surprise a collection from XXXX XXXX showed up on my report in the amount of {$54000.00}! I have called numerous times and have been transferred to other departments. I had left messages with no avail. I need your help to have this updated and removed. Is n't a short sale taking less than what is owed? No they want me to pay them back over and above to what was agreed. This is predatory in it 's best nature. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have tried numerous times to get XXXX XXXX XXXX XXXX ( XXXX ) XXXX Headquarters XXXX XXXX XXXX XXXX, CA XXXX and the credit bureaus to correct my credit report with no success. My debt with XXXX was discharged in Ch XXXX bankruptcy on XXXX XXXX, 2017,  yet XXXX is still showing me past due. They did not report me correctly during ( post-petition and pre-discharge ) or after my discharge. I have evidence to backup my claims. My credit was pulled by a creditor yesterday, and they gave me a copy of the report from Equifax showing that the XXXX XXXX and Equifax are still showing me with a " code 7 '' which says to the dealer I am past due on this debt. This is affecting the interest rate that I am able to get. Funny thing is, the report that Equifax shows to me, the consumer, looks right. But there is a " behind the scenes '' reporting that goes on that creditors see that consumers are not allowed to see that is not correct and I was fortunate enough to get this copy from the dealer. This willful refusal to correct my record post-discharge is robbing me of a fresh start and preventing me from getting a fair interest rate. The dealer is telling me that I am showing late with XXXX but all my other discharged debts are reporting correctly on their report. I have disputed this XXXX debt several times with each of the 3 credit bureaus and have contacted XXXX 's credit reporting dept. directly and was assured it would be fixed by XXXX months ago. I am asserting and claiming that they are involved in corrupt and deceptive reporting practices when my report shows something different than what the creditors actually see, and that this action is " willful '' disregard for the laws. To deceive me into thinking my record is correct by falsely reporting to me one thing, and then keeping the database of information inaccurate for what is shown to creditors that pull my credit, is deceptive and fraudulent. Thank goodness I had a creditor who was willing to give me a copy. I have attached a claims register showing XXXX was included in my bankruptcy, the discharge notice and the credit report from the creditor, showing a code 7 which means I am past due.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I am contacting CFPB today because consumers can no longer purchase their credit score without being forced to sign up for XXXX 's monthly credit monitoring subscription. In previous years, I am able to go to XXXX, download my credit reports, and purchase my credit scores in a straight-forward fashion. Today ( XX/XX/XXXX ), I see that two of the three credit agencies - XXXX and TransUnion - are using deceptive marketing tactics to lure consumers into purchasing their monthly subscription when they are thinking they are making a one-time purchase of their credit scores. As a credit trainer for seniors, I am particularly concerned that this vulnerable population will be tricked into paying for a service they never intended to sign up for and possibly not discovering the problem until many months and many dollars later. <P/>With TransUnion at least, there is a very, very tiny link at the very bottom of their " get your credit score '' webpage that allows consumers to bypass their credit monitoring subscription to pay for the credit score directly. <P/>XXXX, however, does not offer ANY option to purchase their credit score without having to become a credit monitoring " member ''. This was what I was told by an XXXX representative when I called for assistance. I called back subsequently to lodge a complaint with XXXX 's corporate headquarters but was told by the operator that she did not know who I could/should speak with at the Executive Offices. When I acquiesced to speak with an agent who will take my complaint, I was left on hold indefinitely. I hung up after about five minutes of waiting ... <P/>Please advise XXXX ( and to a slightly lesser extent, TransUnion ) to cease and desist in using predatory marketing practices regarding credit scores and make them more easily accessible to consumers. One should not have to scour a webpage with a fine-tooth comb to purchase one 's credit score. And consumers should never be forced or tricked into signing up for a monthly subscription of a service they do n't want simply to get their credit scores! <P/>Thank you for taking the time to review my complaint. I hope something can be done. <P/>XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Checking or savings account (Checking account) with Experian Information Solutions Inc. (OH).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Hello, three months ago I was in the process of obtaining a mortgage and signed up with Experian to obtain my detailed credit report from all three credit reporting agencies. At the time of signing up for this product, I was very careful to make sure I was not going to be billed monthly, I just needed the details from my credit reports at that particular time. I just realized that Experian has been charging me {$24.00} for the past three months, most recently on X/XX/17, X/XX/17 before that, and X/XX/17 before that. I called Experian and they told me that I signed up for a monthly service, and I told them that I did not, and had read very carefully what I wassigning up for. They would not refund me for the past two months of fees, even though i was willing to  pay the original {$4.00} fee as well as the {$24.00} fee. In fact, Experian hung up the phone on me after speaking with a representative for 20-30 minutes, and waiting on hold for 10-15 minutes. They  can clearly see that I did n't even sign into my account and they know that they are scamming customers. I work for XXXX XXXX and I am accustomed to reading the fine print. The way Experian baits-and-switches their customers is fraudulent. I read everything online before purchasing the three credit reports and they were clearly hiding the fact that they were going to charge me monthly. I can not believe these credit reporting agencies get away with this scam. This happened to me once before over 5 years ago with XXXX, and I have been very cautious to never let this happen again. I was aware of the risk and was specifically looking for this when signing up for my credit reports, but Experian hid this very well and did not want to make it abundantly clear that they would be charging my card every month. My " Membership ID '' with Experian is apparently XXXX. Thank you for your help, 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 monetary relief
Consumer complaint received 08/24/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Account opening, closing, or management

Complaint: Bank Of America Has Been Placing Hard Inquiry on My Credit Report. They Keep performing hard inquiry again and again. Numerous Certified Mail Phone calls and Even lack of Proof on my part to authorize them has not been investigated nor even acknowledged by the Bank Of America. My credit report is on fraud Alert and itys really hard to place a hard Inquiry. These are the Numerous dates of they inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They ca n't provide a proof for my authorization for these inquiries. Yet no Response from The Bank nor any compliance from Credit Bureaus. Please note the same branch and location of this Bank Keeps Placing Hard Inquiry on My Credit Report. 
BANK OF AMERICAXXXX XXXX, TX XXXX ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (NJ).
Issue: Managing the loan or lease

Complaint: Toyota Financial Services sent my account to a collection agency to collect lease termination fees even though those fees were paid XXXX XXXX 2014. The check was cashed by Toyota on XXXX XXXX 2014.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/28/2017 about Payday loan () with CURO Intermediate Holdings (TX).
Issue: Charged bank acct wrong day or amt

Complaint: lender kept charging double the amount and on the wrong day. They did this three times so I had to block them from my bank. The refused to resolve the issues of overdrafts on my account because of this so I refused to pay them anymore money. Now they are threatening me.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: The following inquiries were not authorized. I applied for 2 vehicles and the 2 banks that I gave my personal information to, forwarded my personal information to other banks without my consent. Since that time, my credit report has been run numerous times without my permission. And in cases where I did give permission, they ran it repeatedly without my permission. These false inquiries need to be removed from my credit report. They are all listed below : INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX   XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX  XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX   INQUIRY DATE XX/XX/XXXX INQUIRER XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX   INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX  INQUIRY DATE XX/XX/XXXX INQUIRER XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX O INQUIRY DATE XX/XX/XXXX INQUIRER XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX XXXX DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX   INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX/XXXX XXXX XXXX XXXX INQUIRER XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX XXXX   INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX/XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER 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 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX, opened XX/XX/2017, amount {$420.00}, is being falsely reported.

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 05/22/2017 about Debt collection (I do not know) with Navient Solutions, LLC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter dated   XXXX   XXXX   XXXX   from  XXXX   XXXX   XXXX  to validate an alleged debt.  XXXX   XXXX  has identified themselves as the original creditor but they are not and the information the creditor provided to validate the debt is invalid. The date on the materials provided for  XXXX  University was dated  XX/XX/XXXX  and I was  XXXX   XXXX   XXXX  at that time. I am not legally responsible for this debt because I was a minor and I could not enter into such legal contracts when I attended  XXXX  University from  XXXX . In addition, there is a note at the bottom of the letter stating waived  XXXX . That is the business that is responsible for this debt.

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 09/27/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Rewards

Complaint: I applied American Express Platinum charge card this XXXX and spent XXXX dollars in 3 months using this card. I got XXXX membership rewards points as the bonus in XXXX. 
But American Express took the XXXX points from my account without notifying me.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
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: Credit report indicates a collection from XXXX dated XXXX XXXX. Consumer does not owe and has repeatedly asked for verification of debt from company and credit bureaus. Contacted company in XXXX XXXX and was told there was no record of debt. When consumer pulled credit report in XXXX XXXX contacted the company again and was told Consumer owed {$500.00} but representative was not able to provide any explanation when consumer asked for verification of debt. Last correspondence sent to XXXX asking for removal or debt validation. Sent on XXXX/XXXX/XXXX tracking number XXXX certified return receipt. Received and signed on XXXX/XXXX/XXXX but no response to consumer. However credit Bureau reported XXXX updated report XXXX/XXXX/XXXX. Equifax has not been able to validate debt also when disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Since XXXX I 've been religiously paying XXXX XXXX XXXX XXXX through XXXX XXXX and Navient. There were 7 loans ( between $ XXXX and $ XXXX each ) that totaled {$94000.00} ) that were secured between XXXX and XXXX to help get my XXXX daughters through a XXXX based University. The interest rates were supposed to be fixed at between 4 % and 5 %. I have been paying an average of about $ 500/month for the past 20 years and as of today, only {$19000.00} has been reduced from my original obligation. How can I have paid XXXX/Navient over {$120000.00} during this time frame and still owe {$74000.00} of a {$94000.00} bill??? In closely reviewing how these payments were handled by Navient, as little as {$0.00} has been applied to the principal about 40 times. My most recent payment of XXXX XXXX only had {$55.00} of a {$550.00} payment applied to principle. The average over the past 15 years paid to principle varies every single month despite being a fixed loan but averages about {$130.00} of a {$550.00} payment. In my opinion there is fraud here. Navient has offered no better viable options since the inception of these loans and they are impossible to get through directly. I am now XXXX and recovering from a debilitating illness. I 'm not looking for sympathy, only looking for an intelligent answer to this issue before I request legal advise.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Asset Management, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX and Pinnacle credit are trying to collect a debt that I do not owe. I had service with XXXX for less than 10 days and returned the phone and cancelled service after realizing they did not provide service in my hometown. They have been trying to collect {$530.00} from me ever since. I have provided the contract and other documentation proving I do not owe this MULTIPLE times to all XXXX credit bureaus and to XXXX.

Company response to consumer: Untimely response
Consumer complaint received 10/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Latest Status : Collection/Charge-Off No payment history has been reported by this creditor. 
Creditor Contact Details XXXX, TX, XXXX Direct Dispute Account was included in Chapter # XXXX Bankruptcy XXXX XXXX, 2015, Account should Reflect closed.

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