milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My family needed to move quickly due to a landlord having no rental license and black mold respitory illness set in as well as gasses coming in house from broke sewage line. I was denied a home everywhere! I find tons of Names, SSN 's, Addresses in states and city 's I 've never heard of, and 176 collection items total dropping my score over 200 pts. I 've sent XXXX, XXXX, Transunion all my Identity documents and more and stated federal FCRA about mixed files. Also TU has a company named XXXX who has a Ton of these medical, cell phone, collections. They deleted 7 but left 20 more in XXXX. I should n't have inquiries but do, never had XXXX. XXXX but collections show. My positive history accounts are almost none existent. I need help. This happens after XX/XX/XXXX because in XX/XX/XXXX my Credit was fine. Please help. We need a new car and even buy here pay here 's wo n't lend with a big down payment. They say I need proof of this. I 've shown the names and all that stuff they said it does n't prove ID theft. Never heard of file mixing they said. The amount of medical collections alone you would think I were terminally ill. I 'm very healthy and a XXXX at a XXXX  my wife works for XXXX and XXXX here in KS. And similar has happened as well. PLEASE HELP clear my reports. And make them remove all of it or please guide me into suit. God bless

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 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
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: XXXX XXXX XXXX has claimed that Account ending in XXXX has been charged off {$4000.00} I have requested that they send me validation that is competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay them. 
Letters were sent on XX/XX/18, XX/XX/18. At the time these credit cards were opened, i had just gone through a Ch.XXXX Bankruptcy and did not open new cards. These cards must have been opened fraudulently and against my name and without my approval.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ONEMAIN FINANCIAL HOLDINGS, LLC. (IN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XXXX/XXXX/XXXX I filed bankruptcy. OneMain Financial was sent the bankruptcy paperwork from my lawyer. OneMain still has this loan account for the amount of  XXXX as open on my credit report. This should be closed out with a XXXX balance due to the bankruptcy filing. OneMain has exceeded the time limit to fix this on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CO).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: My daughter is suspected of this credit fraud. My question to this act is, a credit check should have caught this. Valid identification is required, yet this account was opened? Opened : XXXX XXXX 2016, amt. {$520.00}

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 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AK).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I filed a complaint about this already ; however, the information is on all XXXX credit reports. On XXXX XXXX, XXXX I looked at my credit report from XXXX XXXX it showed a payday loan from XXXX XXXX XXXX. 
I do not recall ever taking out a payday loan from them or the XXXX the alleged original creditor. 
I called all the numbers for XXXX XXXX XXXX found on the internet and provided on the credit report, none are good working numbers. 
I have never received a collection agency call or letter, a validation letter, a chain of title showing this collection agency owns this debt, nor a balance, it is fraudulent. 
On XXXX XXXX, XXXX I found that all XXXX major credit reports show this debt. 
XXXX violated the XXXX XXXX XXXX XXXX by reporting a debt without sending me notice and verifying that in fact it is mine and the balance is correct and the statute of limitations has not run. This collection agency is operating in the shadows and does not seem to really want to resolve debt nor operate within the law. The company should be fined and this debt taken off all credit reports immediately.

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 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX is reporting 4 accounts in collection, and unpaid. All 4 accounts have been paid in full over a year ago. all 4 accounts are listed as unpaid medical. XXXX is also reporting my credit card balance incorrectly. Please update my credit card balance correctly. I did not give authorization for the following credit checks. > 1. XXXX > 2. XXXX > 3. XXXX > 4. XXXX > 5. XXXX In addition to the above credit inquires there are lots of old hard credit inquiers showing on my account.

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 07-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have a current issue with XXXX XXXX. They agreed to pro-rate my last invoice. They forgot. I have made several attempts to resolve. I owe for XXXX. They stated, once, they were going to pro-rate the debt. I agreed to send them what I owe them. 

Amsher Collection Agency has called me several times over the past XXXX weeks or so. Each time they called, I disputed the debt. 

Today I spoke to XXXX at Amsher Collection Agency. She said the dispute ca n't be verbal but mandatory, must be in writing. I asked her to check because I thought she was wrong. 

She went on to say in order to get the dispute process started I must make a goodwill payment, what? She then repeated her statement and said yes I have called several times and claim I do not owe the debt but dispute must be in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have filed a dispute quite a few times that the state lien on my credit report is not accurate in balance nor does it contain the required information to be reported on my credit report. The CRAs have agreed to remove tax liens from credit reports based on the " XXXX XXXX XXXX XXXX '', part of which includes a new policy to exclude from their credit reports any tax lien or judgment that does not identify the name, address, and at least the date of birth OR the social security number of the consumer. The lien information I have does not have the correct information nor is the balance on my credit report the same.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I have XXXX accounts that were included in a bankruptcy and it was discharged in XXXX 2015. Transworld or TSI/XXXX as it shows on my credit report is still showing these accounts as open collections with remarks of Chapter XXXX Bankruptcy next to them.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: My daughter received a phone call today from a XXXX XXXX, XXXX XXXX XXXX ext. XXXX, stating he was looking for my other daughter, the alleged debtor. He disclosed how much the debt was, where it originated from and made threatening comments such as : " We are going to seize her tax refund '' " We are investigating her for criminal fraud '' " We know where she lives and are sending someone to serve her '' " We know where she works and are angry with them '' " We are taking you to court for fraud '' I called the company and spoke with XXXX, letting him know he was violating debt collection laws. He stated he did not have time for games and refused to acknowledge his illegal actions. He demanded to know where my daughter was. He refused to provide his last name and hung up on me. I called back and spoke with him again and he hung up on me. I called back a third time and spoke with someone in compliance and was told his name was XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Mortgage (FHA mortgage) with Supreme Lending (TX).
Issue: Struggling to pay mortgage

Complaint: This is the second request for help with my mortgage. I currently owe XXXX to prevent foreclosure. I was denied a second time any workout options. I am required to pay the full XXXX before XXXX XXXX. I explained to my mortgage company that my husband got a part time job for more income but no other options were offered. 

Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Checking or savings account (Other banking product or service) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: Due to personal reasons, I chose to end my relationship with USAA back in XXXX and closed all open accounts that I had with them. I continually receive letters from USAA regarding their privacy practices and my personal information they are storing on their computer file systems. I called to " opt out '' of their privacy sharing practices and requested to have all of my personal data deleted from their file systems. The USAA representatives say they can not comply with my requests because I do not have any accounts, and therefore, they are unable to verify my identity. 
I know that I have rights concerning companies who store secret dossier 's consisting of my sensitive personal data without my permission, and a large bank like USAA is no exception to the law. 
My old USAA member number was XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Payday loan, title loan, or personal loan (Payday loan) with Wakpamni Lake Community Corporation (CT).
Issue: Struggling to pay your loan

Complaint: On XX/XX/17 I was approved for a loan in the amount of {$700.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The loan payment is extraordinarily high ( 713.74 % ) but I was desperate for funds. I have made payments of {$100.00} on XX/X/17, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXand then {$130.00} onXX/XX/XXXX, {$120.00} on XX/XX/XXXXand {$120.00} onXX/XX/XXXX 

I have discovered that this company is not legal in CT therefore I should not be paying these fees. I have overpaid them {$510.00} and refuse to pay them anymore. 

I want to warn others from getting involved.

Company response to consumer: Untimely response
Consumer complaint received 09-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I am writing in reference to a released tax lien that is reporting on my Transunion credit report as Docket # XXXX. The lien has been released since XX/XX/XXXX. I have filed numerous investigations in efforts to having this public record removed both by phone & by letter most recentlyXX/XX/XXXX and it came back " Verified as Accurate '' XXXX. This same released tax lien was immediately removed by XXXX after 1 investigation. Under the new law effective XX/XX/XXXX any public record data must include Name/Address as well as SSN or DOB in order for it to appear in your credit file. Transunion has not updated their information & per the new law the Released Tax Lien listed does not include all the required information & should be deleted from 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 non-monetary relief
Consumer complaint received 11/29/2015 about Credit reporting () with Experian Information Solutions Inc. (DC).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I signed up to check my FICO score at Experian.com. This was supposed to cost {$5.00}. I was then apparently enrolled in a monthly recurring program, and charged a fee of {$19.00} per month. Experian refused to refund XXXX of the XXXX charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Convergent Resources, Inc. (MO).
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: convergent has failed to remove this alleged account from my credit report. they are still reporting but refuse to provide me with a copy of any viable evidence bearing my signature showing showing the account is being reported accurately and all they send was a copy of an itemized bill in which could belong to anyone. according to XXXX XXXX XXXX convergent should be aware that a printout of a bill or itemized documents does not constitute verification. convergent is still reporting on my credit report. I have even send them a letter certified requesting this information and I am keeping careful records of everything i send.

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 08-12-2016 about Credit card () with CITIBANK, N.A. (OH).
Issue: Closing/Cancelling account

Complaint: Citi closed my inactive credit card account without any notice. Closing a credit card account - especially XXXX with a lengthy history - without giving prior notice of any form ( email, notice on website, anything would 've been helpful ) can significantly damage one 's XXXX score. In my case, it was my longest standing credit card of nearly 10 years, so ultimately I am being negatively punished on my mortgage rate for the next 30 years because I did the prudent thing and did n't use my credit card!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/XXXX, I learned that EquiFax had a security breach where 143 million customers ' worth of data was accessible through a web vulnerability ( indicating very poor security practices on their part ). On XX/XX/XXXX, I used the website they set up and learned that my information was contained in the breach, meaning that EquiFax disclosed my personal credit information without my consent.
Note that I did not check on XX/XX/XXXXwhether I was involved in the breach, because I was lead to believe by ambiguous wording in EquiFax 's Terms of Service that I was waiving my right to pursue legal action against them by learning whether I was involved in the breach. After their clarification on the XXXX, I was able to check.
Subsequent to learning that my information was compromised, I pulled my credit reports to see if there was any unauthorized access ( there was n't ), and then I placed a fraud alert on my report. I did not opt into EquiFax 's offered credit monitoring, because doing so would also waive my right to pursue legal action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2017 about Debt collection (Medical) with Credit Systems International, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This, supposedly, is a medical collection that was contracted out to a collection agency. I have no idea of who this company is or what debt they are attempting to collect on. This is a violation of my HIPAA Rights. Remove completely from my credit file at once.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with STERLING JEWELERS, INC. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The debt collector begins to call me the day after a payment is late and calls me non stop every XXXX hours demanding I make a payment. This has been going on for months now of non stop abuse. As soon as I make the payment the calls stop.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Debt collection (Medical debt) with Benuck & Rainey, Inc. (ME).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Benuck & Rainey threatened a dishonorable discharge from the military if I did not pay this debt. That is not the case, and I do not appreciate someone threatening something against my military career. Especially when they have no idea how the military works. The medical facility I owe a debt to did not process my insurance claim properly, and has refused to take the proper steps to do so. They did not contact me by mail, phone or email to tell me they were having a billing issue. I did not get any medical statements as well.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MA).
Issue: Loan modification,collection,foreclosure

Complaint: I have already filed a compliant and received a letter from nation star. I filed complaint in XXXX 2016. The letter from nationstar said they were looking into my compliant and wood have an answer by XXXX XXXX 2016. I 'm still waiting. Now I received a letter from nation stars attorney and it said that our home would be sold at auction on XXXX XXXX 2016. Now what do we do?

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax suffered a security breach, exposing my personal information to risk.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: In XX/XX/XXXX and XX/XX/XXXX, I XXXX had reported fraud to all XXXX Credit Bureau. Someone got a hold of all my credit cards and social security number, and was purchasing things in my name. My identity was stolen. This has been ongoing for XXXX years now. If this was my debit I would have no problem paying it, but this is not my debt. Can someone look into this so I can put this behind me? At the time that this happen in didn't know I had to report this to the police and get a police report. I went to apply for something and when they rejected me I asked them why and they told me I
 
 had too many negative things reported on my credit report. When I told they what happen they asked me do I have a police report on this, and I said no they told me I should have report it and I did. I fought it and explained to capital one, yet the company sued me and has a judgment gaianst me.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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: On  XXXX   XXXX , I wrote to  XXXX   XXXX   ( with a copy to Equifax ) a  second time to have them report my loan information to Equifax. They have been reporting to both  XXXX  and  XXXX . This is positive information which would help to increase my Equifax score if it were to be reported.     Neither  XXXX  nor Equifax ever responded to my dispute and now four months later, the problem still exists. I am shortly applying for a large commercial loan and my terms will be negatively impacted if my Equifax score remains significantly below my  XXXX  scores from  XXXX  and  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (PA).
Issue: Trouble during payment process

Complaint: I paid my payment online on XX/XX/XXXX of XXXX .. the funds were taken out of my account on XX/XX/XXXX because of the holiday.. My payment on the online account shows in suspense when I called  Ditech to question it they state that it takes 5 days to be applied a glitch is in the system. In there interim i also notice that my escrow had an overage of XXXX dollars a check was mailed but they are trying to hold more escrow then needed if they apply this payment. I think they have my money in XXXX on the website to hold back giving me the full overage of escrow and carry it over into the new year. Online it looks as if I am 26 days late when they already have my payment and no one seems to be able to explain this to me. I paid the late fee and the mortgage with the escrow included. please investigate this for me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation