milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-08-2017 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: This is a written request that you investigate items that I believe to be reported in error. These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be investigated and then deleted : Incorrect Name : XXXX XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

Incorrect Social Security Number : XXXX This SSN is incorrect and is not an accurate SSN for me. Delete this SSN and any accounts associated with it for violating the FCRA. 

XXXX This SSN is incorrect and is not an accurate SSN for me. Delete this SSN and any accounts associated with it for violating the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SECURITY FINANCE CORP (ID).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Aut9mated accounts original creditors name XXXX XXXX XXXX XXXX XX/XX/XXXX Amount : {$1700.00} Actions taken attempted to contact business multiple times for resolution this business has re located from original place of business and contact is not unavailable to reach. 
over 5years and 11 months this company still reports to my credit with no way to contact this company, for the request of removal from my credit report. 

XXXX  ( unsecured loan ) 15 month term Dates : XX/XX/XXXX- XX/XX/XXXX as shown on my credit report. Last payment was XX/XX/XXXX. as shown. This company states my balance was XXXX shown 30-59 days late. 
Then another balance also shown high balance {$1500.00}. 
This company states opened account XX/XX/XXXX ( 7 months ) In the account details it states shown times late 30/60/90 days shown 0 days. 
This account is being resolved through debt consolidation company representing me before any late dates accrued. I also have documentation proving this account had direct with drawl from my bank account to prevent late payments accruing, XXXX XXXX Open XX/XX/XXXX Amount is  {$1100.00} with high balance shown as $ 885 monthly payments {$110.00} this company is stating 60-89 days late. 
This is also involved with a debt consolidation company representing me before any negative activity was done with this company as well as payments and balance owed. 
This company is reporting to my credit as late when they are negotiating a settlement with the debt consolidation company. 
I have not defaulted to make payments prior before the consolidation was set in place this is incorrect info reported and is affecting my credit poorly as a resolution is in place.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Debt collection (I do not know) with Radius Global Solutions LLC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX. claims I owe them money. I never heard of this company nor have I ever done any business with them. They sent my fraudulent balance to collections ( Central Credit Services LLC ) and the collection agency wo n't speak with me regarding the fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Seterus will not send me copies of my statement from the month of XXXX 2015 thru XXXX 2015. Their excuse is that I was automatically enrolled ( without consent or notification ) in a program which called for me to use coupons ( which I never received ) to make my mortgage loan payments. I was told on XXXX XXXX, 2015 the statements from XXXX thru XXXX 2015 would be mailed to my address. It was also my understanding that I would have access to the statement online. XXXX 2015 thru XXXX 2015 are available online. XXXX thru XXXX 2015 are not available online.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Credit card () with Continental Finance Company, LLC (IL).
Issue: Customer service / Customer relations

Complaint: I have a credit card with continental finance which was opened XX/XX/XXXX. The account has maintained a good payment history since. At the time it was opened it was reported to all XXXX credit bureaus. however, there were duplicate accounts on all three. I had only XXXX credit card, but XXXX accounts were showing. I accurately, disputed the XXXX duplicates and left the XXXX accurate account out the dispute in XXXX subsequently, all my accounts were removed. I recently have written the customer service dept and faxed a formal dispute dated XX/XX/XXXX after my initial faxed letter, dated XXXX XXXX, was evidently faxed to a wrong number provided to me by customer service. the latter letter ( XX/XX/XXXX ) have been verified by a supervisor I been corresponding with via many emails over the past XXXX months by the name of XXXX XXXX XXXX, supervisor as being received. he also has been adamantly conveying, again in writing ( emails ) that this my account would be reinserted. I have patiently waited since XX/XX/XXXX to no avail. this three year old good standing account is still not reporting after I disputed it in XX/XX/XXXX. AT THIS POINT, CONTINENTAL FINANCE HAS VIOLATED MY RIGHTS UNDER THE FCRA BY NOT RESPONDING TO MY DISPUTE IN 30 DAYS. To date, as recent as a few days ago, XXXX XXXX jones is still assuring its being handled. He emailed me exactly what to put in the letter, stating to add " I am asking that continental finance reinstates this tradeline to my credit report '', which I have complied and have documentation. however, I am not receiving credit on my bureaus for this three year old account which is positive. I feel like im getting nowhere. I spend ample amount of time calling and corresponding with XXXX XXXX. Each time, he assures me its gon na be reinserted, but have not.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Debt collection (Credit card debt) with CAVALRY INVESTMENTS, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I 've been battling with this company for the last year to get negative and fraudulent account off my credit report. I 've Called this company and asked what they needed.. I 've called police, the id.gov place. I guess chooses who and when to help a consumer. I need to get this resolved bc my family needs to move and this account and some lates are killing my credit. Please see attached evidence and I have more and can upload if needed. I 've learned so much about the laws and how to protect yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2016 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I try to do a dispute and they wan na alot of informations to figure it out like the reporting number that they did n't give me when i made a report online. Seems like there should be a easier way. They wanted me to get a reporting number and only way was a mail out cedit report when I already did a online one. Please Help

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 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX had a major data breach recently and there is hard inquiries on my credit report that are fraudulent, unauthorized and don't belong to me. The following hard inquiries are fraudulent and unauthorized: XXXX Information, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 02/13/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have a MasterCard through Capital One that was subjected to fraudulent activity when Capital One issued a virtual " Fast Card '' to a man in XXXX, FL, on XX/XX/XXXX. I was alerted ( via my email address ) to this new account they issued, along with changes to my address, phone number & email address ( which were all done over the phone ). I immediately called Capital One 's fraud department & told them about these fraudulent activities and sent them copies of my NC state issued driver 's license & social security card. I was issued a case # XXXX. All changes to the account settings were reversed & I was told any fraudulent charges would be reversed. They also cancelled my credit card ( along with my son 's card that is attached to my account ). They told me they would send me a new card in the mail. At this time, they also issued the criminal in Florida a new card as well - I discovered this while checking in to see if my account had been straightened out. So more fraudulent activity started taking place, more promises of resolution. I withheld one of  my payments during time after hearing they allowed this criminal to open a Visa account in my name ( I was told it was immediately closed by the fraud department but I have no way of knowing because it was a new account that I have no access to, not a hacked version - I have no Visa accounts ). After the bulk of the fraudulent activities were cleared up, I resumed my payments, making a double payment to make up for the one I missed. This entire process to date started on XX/XX/XXXX &  continued through XX/XX/XXXX. I contacted Capital One this month ( XX/XX/XXXX ) twice to resolve some remaining issues, but was first told by customer service that someone from fraud would call me back & the second time was bounced back & forth from fraud to customer service for 35 minutes only to be told no one knew how to resolve any of my problems. My issues : 1. My interest charges are still divided between Purchases ( mine ) & Cash Advances ( fraud ). 2. My interest rate went from 23.99 % to 24.24 % during the time of this fraud case. 3. I was given a {$25.00} late charge during the 2nd month of the case for withholding payment until Capital One started resolving the fraud. 4. The extra {$16.00} I was charged so Capital One could issue a " Fast Card '' to the criminal was never refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-07-2016 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: For the last 10 years, I have had my home equity line of credit with JPMorgan Chase Bank ( " JPM '' ), My original line of credit was {$100000.00}. After the credit crisis in XXXX, JPM terminated my line of credit to simply my outstanding balance with no additional credit. XX/XX/XXXX, XXXX tripled the amount of my payment on my home equity line of credit from approximately {$200.00} to {$510.00}. I requested that JPM refinance my payment to decrease the payment amount to the original amount of {$200.00}. JPM refused and told me to file for hardship with a government agency. I am now stuck with making an exorbitant payment of {$510.00}. In order to make sure that I never missed a payment, I set up auto debit first from my JPM Checking Account and then from my XXXX XXXX Checking Account. All of the payments have been made automatically without a problem. XX/XX/XXXX, I received multiple notices in the mail from JPM threatening legal action because they stated I was not making my home equity payments. I immediately called JPM to inquire why I was receiving their notice. I spoke to about XXXX dozen JPM reps in their " escalation department ''. They said that my account was not set up to make automatic payments. I told these reps that was a lie. My account had been set up for automatic payments for years first from JPM account and then from my XXXX XXXX account. I went online and checked and somehow JPM had disabled my automatic payments for my home equity line of credit WITHOUT ANY NOTICE TO ME. The JPM reps were pretty nasty and told me that I was late and they reported me to the credit bureaus to damage my credit rating! I was stunned. I could not believe that an account that I had for over 10 years was WITHOUT EVER MAKING A LATE PAYMENT was now fraudulently misrepresented that I did not have automatic debit set up and materially misrepresented to the credit agencies to damage my credit. I called JPM again and spoke to a rep by the name of XXXX XXXX ( XXXX extension XXXX ) and he told that JPM would NOT reverse the fraudulent representation made by JPM to the credit agencies. I simply hung up. Over the last few years, JPM has arbitrarily shut down my line of credit ( solely due to the XX/XX/XXXX credit crisis ), tripled my payment and shut down my auto payment and falsely reported me as delinquent to the credit agencies. JPM 'S abusive credit practices must be stopped!! JPM must be compelled to remove the negative credit agency information from my credit report immediately. It was XXXX 's own incompetence that caused the payment not to be deducted from my checking account.. I had the accounts properly set up for YEARS!! XX/XX/XXXX or XX/XX/XXXX, these incompetent fraudsters disabled by autodebit and then decided to malign me to the credit agencies. JPM is a disgrace!

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (ID).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Experian has inaccurate credit data in my credit file and has been providing erroneous credit scores to potential lenders. Experian is inconsistently reporting my credit score depending on who the requestor is and the purpose of the request. In XX/XX/XXXX, Experian communicated my credit score as being XXXX to XXXX. In XX/XX/XXXX, Experian reported my credit score was XXXX to XXXX, who reported to XXXX.

On XX/XX/XXXX Experian reported my credit score to be. On XX/XX/XXXX, Experian reported my credit score to XXXX as being XXXX. Because of Experians preferential credit score reporting, I have been declined twice for a home loan and incurred additional points off my credit because of the multiple lender inquiries. If I had though my score was a XXXX, I wouldnt have applied for any type of loan.

Additionally, Experian has failed to correct my credit report with accurate information, regardless of my numerous attempts. There is even an account ( XXXX XXXX - student loan ) that Experian is showing as a negative account even though the loan was paid off and states paid as agreed. That account is over 7 years old, so if it was negative as they have classified it, it should have been removed.

Experian should take immediate responsibility for their inaccuracies. The interest rates are rising, and I have my hands tied as I wait for this professional credit bureau to decide when they will update my report, so it accurately reflects my score. It sure is convenient timing for the credit reporting agencies to take their time to fix their mistakes, as interest and property inflate.

My understanding is that as a consumer I have a right to an accurate credit report and score and that the process put in place today is to ensure mistakes are fixed in a timely manner. Additionally, my credit score is to be reported truthfully and consistently. As such, my rights as a consumer have been violated by Experian.

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 06-06-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX/XXXX/2014 someone tried to check my credit without my knowledge and created a hard inquiry on Experian that should not have happened. The hard entry is labeled XXXX XXXX at XXXX. Please have it removed.

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 03-06-2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Every Year Equifax says credit reports are not available at this time online. They want you to mail in a bunch of personal information to obtain your report. This is unacceptable! I do believe they are required to provide me with my credit report with out jumping through all these hoops, the other companies do not require these ridiculous requirements. I want my free annual credit report from Equifax emailed to me at XXXXXXXXXXXX or mailed to me at XXXX XXXX XXXX XXXX XXXX WA XXXX Thank you sincerely XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-10-2017 about Mortgage (Conventional home mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (GA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: XXXX   XXXX  keeps trying to get my social security number so he can submit a mortgage application for me. I have told him several times my credit is not good enough. He wo n't stop calling me. I wo n't lie on an application.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Debt collection (Medical debt) with ATG Credit, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I reviewed my credit report in XXXX XXXX and noticed collection accounts that I do not recall. Therefore, I sent a validation letter requesting additional information to ATG Credit. I am requesting the send me an explanation and copies of any papers that show I agreed to pay what they say I owe. This letter was sent XXXX XXXX XXXX and I have not received a response to date. I know that this debt does not belong to me because the original creditor XXXX XXXX XXXX located in Indiana. I have never resided in Indiana.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Money Management International, Inc. (VA).
Issue: Fraud or scam

Complaint: A perpetrator falsified  XXXX  on or around  XXXX   XXXX ,  XXXX . I suspect spoofing crime which bribed authorities on  XXXX   XXXX ,  XXXX . The same pattern of hazing crime was committed on another reference number which helped criminals make advance by falsehood and unconstitutional response to  XXXX . If a government does not care to pay or waste   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , it would not be my concern or fear. After all, some of them took grants, contracts or scholarship by malpractice or identity fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 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: On XX/XX/XXXX I entered into a 24 month lease for a new XXXX XXXX XXXX with creditor XXXX XXXX XXXX XXXX XXXX ( XXXX ). Note, that the contract did not assess a Disposition Fee upon return of the vehicle ( see attached contract ). The first lease payment of {$100.00} was due upon signing the lease ( see attached contract ). The subsequent 23 lease payments were paid in one lump sum, totaling {$2400.00}, and was received by XXXX on XX/XX/XXXX ( see attached XXXX statement ). At the end of the lease the vehicle underwent a Lease Termination Inspection and there were no charges assessed for either Normal Wear & Use or Excess Wear & Use ( see attached inspection report ). The vehicle was returned to the dealership where it was purchased inXX/XX/XXXXXX/XX/XXXX. There was not a problem with this account until XX/XX/XXXX. XXXX fraudulently reported to the 3 major crredit bureaus that I still owed a lease payment of {$100.00} in addition to a {$5.00} late charge thus totaling {$110.00}. I 've disputed this with the credit bureaus supplying them with the proof attached hereto but they have not removed this fraudulent charge because XXXX 's electronic response to the credit bureaus is " this account is being reported correctly. '' On a recorded line with XXXX on XX/XX/XXXX a XXXX representative stated that the {$110.00} charge is NOT owed but still on my account because they have not yet received a " signed odometer statement from the dealership. '' Whether or not XXXX ever receives a signed odometer statement from the dealership, that has since changed ownership, does not give this creditor the authority to commit fraud against my credit history causing an unjust, significant decrease in my credit score due to thier fraudulence.

Company response to consumer: Closed with explanation