milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-09-2017 about Debt collection (Mortgage debt) with Alco Collections, Inc. (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: A couple of months ago I tried to dispute a debt that was reported on my credit by Alco collections. The debt is a debt that is not owed by me. Me and my fianc at the time were renting a house things didnt work out we both agreed to split. We both talked with the property manager and she agreed to remove my name off of the lease and to change the locks. I didnt have a key to the property. He still lived there. He had an unpaid balance when he left the house and it reported on my credit also. Last year in XXXX I contacted the property and the manager wrote me a letter stating this debt does not belong to me. It still reports on my credit. I contacted the collection agency sent in the document that the property manager typed for me. He was very rude and unprofessional. He was supposed to get back with me and never did. My ex fianc even tried to contact him to explain that this was his debt. Hes hung on him several times. Today I called again and he returned my call a couple hours later. I explained to him that its been a month and he still hasnt gotten back with me after the investigation. He rudely says its your debt! I tried explaining to him again the situation he cuts me off says Ill send you the paperwork and hangs up on me. I called back several times and left messages. No one from the company will even return my call. I even offered to give him my ex fianc number to call and he hangs up on me. This is over bearing simply because I can not rent or buy with this debt of XXXX $ on my credit that doesnt belong to me. XXXX XXXX XXXX is one of the rudest and inconsiderate people Ive came in contact with and he should not be employed there.

Company response to consumer: Untimely response
Consumer complaint received 07-12-2017 about Debt collection (Other debt) with USA Service Finance LLC (KY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: In XXXX of 2017 I saw a late payment reported on my credit report. XXXX of 2017 I contacted the company to find out what it was. The representative explained to me that I failed to make the monthly payments. I explained to them that I was not notified of failure to pay the monthly payment. The representative said they called me and I told them I would call them back. I told her if I knew it was them I would have asked all the same questions that I was asking on the current phone call. I explained to them that I was not made aware of the date of repayment and the representative agreed that they had not made any other attempts outside of using an old email address and the one phone call. I asked if they sent anything to my residence and the representative said no. I asked why not and she kept responding that was all they did.
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The representative proceeded to tell me that my credit would continue to be negatively affected if I did not pay a certain amount of money, and that if I did pay that amount, they would go back and correct their mistakes. I asked for this agreement in writing. The representative ignored my request and continued to ask for a form of payment. I asked for a supervisor and the representative told me that they were unavailable. I continued to ask for someone with the ability to provide the statement that I was unaware of the payment dates and amounts and the representative said they would tell me the same thing and that someone would contact me.
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The next week I called again to speak with a supervisor and the representative told me again that if I paid what they were asking for they would provide the letter stating that it was their oversight and they did not send me a notice and understood that I was not aware of the amount and dates. I told her that if they knew it was their responsibility to make me aware and they did n't that I should not be penalized for it. I told her that I would like to have a supervisor contact me to discuss this issue and the representative told me that I should make the payment and then dispute the late payment reports and that request would go straight to the supervisor and she would change it. I again asked for that in writing or to speak with the supervisor that had that authority. I also asked why, if I was willing to make the payment, and she could do it at any time, would n't they do the right thing and fix it now. The representative told me that I would have to pay first to have it changed.
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Aside from knowingly misreporting my payment status, this company threatened my credit further and tried to convince me to give them money to " fix '' my credit report.

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 05-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (VA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: A credit card has not been open but there was no other category for me to report this issue. Since XX/XX/XXXX 2016 to present, there have been repeated attempts through Amazon.com to open a Chase credit card in my name. The request is not approved as more information is being requested and because I already have an Amazon Chase card. The problem is that I must call several times a month every time I get a letter, go through the whole process, reopen a fraud alert, and neither Amazon or Chase have changed their process. I am told by the fraud folks at Chase, this is a known issue and they are waiting on a fix but in the meantime I must call every time, have the request to remove from my credit report, and extend my fraud alert. Both Amazon and Chase should know this is repeated against my name and Social and advise the person requesting that the request can not be open and to call a special toll free with Chase fraud or Amazon. I should be sent notification that another attempted occurred, no action needed, and they have me protected.
This should n't be that difficult to flag my SSN and since I do have a fraud alert, why does n't Amazon oor Chase change what they have communicated to me or the person requesting the card. In addition, I have moved and the notices from Chase are sent to my old address since that is what the fraudster is using for the new applications. This shows a clear lack of agility by Amazon and Chase to handle the increasing fraud attempts. While I am happy that no card had yet been issued, if I did not already have a card with Amazon Chase, and if I was not calling every week to close out new requests that one would have been issued.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-04-2015 about Credit reporting () with Experian Information Solutions Inc. (OK).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I closed the XXXX XXXX credit card after someone had changed the personal information ( Address, Login, and Password ) on the account. I paid a balance I had not charged just to get the card closed. XXXX XXXX accepted more charges after the card was closed and have sent it to collection. I have tried working with the collection agency, XXXX XXXX and Experian to no avail. They say that I lived at the Pennsylvania address the charges are attached to. I have never lived in Pennsylvania. You can see by the payment history reported to the credit bureau that everything was perfect to the date I closed the account, XX/XX/XXXX. They still reported the account in good standing for XX/XX/XXXX. Then " No Data '' for XX/XX/XXXX. Then it shows " Charged Off ''. There is no data for XX/XX/XXXX because the account was closed. The charges were incurred after the account was closed and XXXX XXXX, XXXX, and Experian refuse to correct the error and remove this from my credit report. Attached are the Investigation results and correspondence with XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-05-2017 about Debt collection (Medical debt) with Credit Bureau of Lancaster County, Inc. (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have previously demanded that your company provide contract with my authentic signature that started this alleged debt.. You have failed to do so. Please take notice that your inaction is detrimental to me and is in violation of various laws, including, but not limited to, the Consumer Credit Protection Act ( CCPA ), the Fair Credit Reporting Act ( FCRA ), and the Fair Debt Collection Practices Act ( FDCPA ). 

As you are aware, your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. You inaction makes it apparent that you have failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed by your dissemination of information that is inaccurate or which can not be validated. Specifically, you have communicated and are continuing to communicate incorrect and defamatory information to third parties, including, but not limited to, Credit Reporting Agencies.. 

As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. Please accept this letter as my demand for the immediate and complete removal of this tradeline from my credit reports ( Credit Reporting Agencies ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2016 about Credit card () with AMERICAN EXPRESS COMPANY (RI).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I noticed an account issued by XXXX. It was a XXXX dollar credit card. I have never done business with, applied for, or recieved a card from this bank. I contacted their customer service number. There representatives barely speak english at all. They say i would recieve papers for a dispute this was over a month ago. This is a hard negative to my credit score and all attempts to communicate with them are unsuccessful. I also had a fraud alert on all XXXX bureaus for the last 1 year, being refreshed every 90 days. Credit One did not have a phone number for the account fraudulently opened. I also never spoke with anyone from this bank via phone at anytime, until i called them regarding a fraud account. Such a fraud alert that they should have contacted me before opening and was never done

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with NRA Group, LLC (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: im not sure how my social was used in this particular situation but i would like this to be removed from my credit report. i ave tried to get in contact with this company but no one has responded. i was n't given the chance to dispute this item before it was placed on my credit report. i feel this could of got resolved without damaging my credit. i never received any proof or documentation of the validity of this debt and because of that i am requesting this be removed from XXXX of my credit bureaus. ill will be talking this to the media as well as hiring an attorney to look into this matter further if national recovery does not choose to comply with this matter. I 'm hoping we can reach a positive agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: My divorce several years ago left me financially devastated ( custody dispute, illness & more ) and I still am not recovered. I had to sell my house after never missing a payment for years. 

Only I owned the house before, during and after divorce. No one could explain why the credit union called in my mortgage. I sold it after spending lots to upgrade it for sale and have lived in apartments with no hope of buying a home again. I have taught high school history for 25 years in rural NYS. 

I found out via creditkarma that there was a public record of a lien against my house for an unknown judgement against my ex-husband. He had paid it and a year ago I sent proof to the credit companies that it was paid. 

It now shows that it was paid, but I understand that public record on my credit history seriously damages my score. Because my ex-husband never owned the house, I believe this item never should have been on my record. 

I believe this information caused me to lose my house and now ca n't get a credit card, and pay outrageous interest rate for an old car XXXX XXXX XXXX ) and insurance. 

I have other problems with credit cards from that same era for which I am starting to declare chapter XXXX bankruptcy XXXX massive rate hikes and insane fees from XX/XX/XXXX + " sewer service '' notices XXXX. 

Any steps at improving my situation will help tremendously. I have custody of my XXXX year old daughter and deal with health problems ( recently had a XXXX, but have recovered miraculously so can return to work XXXX. 
TRANSUNIONex-husband : XXXX XXXX XXXX Tax Lien XX/XX/XXXX Paid $ XXXXPublic Record DetailsReference Number XXXXDate Filed XXXX XXXX, XXXX XX/XX/XXXXStatus PaidAmount $ XXXXClassification LienType Tax LienContact DetailsXXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX ( XXXX ) XXXXI am : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-04-2017 about Debt collection (Credit card debt) with ERC (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: not my debt. stop all communications with all household members.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Debt collection (I do not know) with Firstsource Advantage, LLC (SC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This company never sent me a notice of right to dispute at all. I sent a debt validation request asking for information and they have yet to respond. They even pursued to report the debt to XXXX and had not yet validated the debt with me during this 30 day period. This is a violation of the FDCPA. I will seek legal ground if this is not stopped.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Debt collection (Payday loan debt) with Omni Financial Group, Inc (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The statue of limitations of this loan is 6 years to collect in georgia accordinally to the Fair Debt Collections Practice Act. It was opened around XX/XX/2010 it has a balanced of {$4700.00}. Section 808.. 15 usc 1692g talks about debt validation and i recently sent a complaint with the company they sent me paperwork and statemeny but it was not the original contract with my signature so its not validated also, they tried to get me to start over with this debt frame so i will not have the statue of limitations on this account

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Debt collection (I do not know) with CL HOLDINGS LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Jefferson Capital System is a debt collection company that is trying to collect on a debt for XXXX COLLEGES ( Financial ) in which I do not owe a balance too. This account is not mine. There 's no way they should still be trying to collect money for a company that filed bankruptcy and owes XXXX student XXXX dollars. I NEED THIS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.

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 11-09-2015 about Credit card () with Continental Finance Company, LLC (UT).
Issue: Bankruptcy

Complaint: In XXXX 2015 I filed chapter XXXX bankruptcy due to medical issues and overwhelming medical bills. Contental finace was included in my chapter XXXX, They have refused to listen that I am in bankruptcy and continue to add illegal fees. I have been harrassed non stop by collection agencys for them who all refuse to even take down my bankruptcy case number or attorney information. On XXXX/XXXX/2015 as i was waiting to go into surgery, at about XXXX MT, I recieved a call from XXXX claiming to be attorneys hired by contential finance as I am in breach of contract. As teh person i spoke with was in no was fammiliar with the laws in regards to bankruptcy and again REFUSED to take my case number or attorneys name. I called him out on not really being an attorney. They became Irrate and refused to even listen to the my rights or the laws. Refusing to take down the information does not make contential finance immune from the automatic stay and does not entitle them to keep trying to collect and add fees that are not legal. they need to stop these clear violations of my rights asap.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (PR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: midland funding llc called my home repeatedly monday - sunday 7 -12 times a day i settled XXXX co. throuhg them which was unfair debt collecting for charged off over 4 years. they called my home sundays at XXXXnow they are sueing me for a original creditor XXXX bank for XXXX '' XXXX which i received a notice from XXXX suing XXXX for wrongdoings starting XX/XX/XXXX i had been part of a settlement XXXX did with my account concerning payment protection. i became XXXX with XXXX XXXX and got the notice XXXX gambling for wages too and lost XXXX dollars. i am sick from midland credit using abusive illegal collection tactics.the settlement offer was XXXX and i paid XXXX payments of XXXX then stopped i realized the account was charged off. i recieved notice XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ONEMAIN FINANCIAL HOLDINGS, LLC. (TX).
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: Onemain XXXX XXXX XXXXXXXX XXXX, IN XXXX Acct # XXXX and Onemain Financial XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX are both Subsidiaries of XXXX. I had a loan with Onemain Financial opened in XXXX that is now charged off. The problem is that this one loan is being reported to all 3 credit bureaus : XXXX, XXXX, and XXXX  twice.Once by Onemain and once by Onemain Financial. I have disputed this error many times and just recent as today XX/XX/XXXX I received the results of my dispute and this is still not corrected. I called XXXX today and they called Onemain while I was on the phone waiting and was told that since Onemain Financial sold the loan to Onemain and they are two seperate entities that both charge offs will have to stay on my credit report. I had one loan  with Onemain Financial and if they sold the loan to Onemain then one of these two entities will have to stop reporting. Both  entities are reporting the same loan and appears to be two seperate charge offs on my credit report for one loan and this has caused me to have lower score than I should. This is a violation of the The Fair Credit Reporting Act, 15 U.S.C. 1681

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (WI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Hi, Im writing to you regarding an account that I had with XXXX XXXX. I just found out that I had a {$22.00} balance past do for many months ( It is been paid ) .... never got a call from them or a later colecting the balance so as a result my credit was really damage and Im not being able to get a credit card that I really need. 
Im been traying to rebuilt my credit little by little and this is big set back. 
I need help Thank you 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 monetary relief
Consumer complaint received 06/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (WI).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: XX/XX/2017 XXXX-XXXX  XXXXUSD A guy who declared as a XXXX staff attacked my computer, made it blocked and cheated me to give him my XXXX  card information so that he can purchase and install a security software for me. <P/>The phone number in the attached .txt is reachable and a company called them " XXXX '' but called " XXXX  '' by others would answer this phone. Also, it seems that a bunch of fraud companies are using this number : XXXX. They are all XXXX people

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt has been resolved XXXX continues to harass me through debt collectors this is the third time I had to have to request to have it removed from my credit reporting agencies. Please if you can help and stop them from doing this XXXX is enough to deal with I should n't have to deal with this at all I think you for your time and I look forward to hearing from you soon. 
Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/26/2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX XXXX, XXXX has purchased a XXXX XXXX debt, which was listed as closed and charged off on all three credit reports. However, as per the FCRA regulations, LVNV failed to notify me in writing of placing this collection back on all three credit report.

Company response to consumer: Closed with explanation