milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX XXXX XXXX has reported false information on my Transunion report regarding rental/leasing XXXX XXXX XXXX. I have never leased from XXXX, thank you 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 04/27/2017 about Checking or savings account (Other banking product or service) with BANK OF THE WEST ().
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: Around  XX/XX/XXXX , there was a direct debit attempt from  XXXX  on my account but there was not sufficient amount in the account but my bank,  XXXX    XXXX   authorised the payment and was charging interest on it unroll it accumulate to  XXXX  plus. I confronted the bank about it but it was then already with a debt collector, so I made the payment. This is still showing on m y credit score til l now  XX/XX/XXXX  and I can take any loan from the bank because of that.

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 06-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I began aggressively disputing the below accounts since XX/XX/XXXX when I noticed they was charged off. <P/>1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX ( FOUR ACCOUNTS ) XXXX 5 ) XXXX XXXX XXXX ( been disputing since XX/XX/XXXX) XXXX My initial dispute online was I no longer had a valid contract with the companies and the accounts needed to be deleted because with the charge off the company had wrote off the debt and sold the debt to a 3rd party therefore it wasnt a valid contract with the them anymore and was legally now considered inaccurate reporting. <P/>In response the credit bureaus 1 ) told me the debt was valid, 2 ) reported it as fraud and 3 ) changed the status of the account from charged off and closed to charged off and open. None of which addressed my complaint. <P/>Because of their response, although neither of which was my complaint, I then sent TWO letters ( XXXX and XXXX XXXX ) asking for validation for the debt since they were stating it was a verified debt. <P/>What I received in response was a letter stating to call the company and a letter stating no changes would be made because they verified the account. I was even told my dispute was frivolous. Nonetheless, NO ONE FROM THE BUREAU HAS GIVEN ME PROOF WITH MY SIGNATURE THAT I OWED The DEBT NOR HAVE ANYONE BEEN ABLE TO JUSTIFY THE REPORTING OF AN ACCOUNT THAT DIDNT HAVE A VALID CONTRACT. <P/>FCRA rules states that it is the reporting agencies obligation to defend the accuracy of the information THEY are reporting. It is NOT the consumers obligation to call the creditors to figure out what is going on. Nor is it ethically moral to tell someone their inquiries are frivolous especially when I have legit concerns with the reporting of inaccurate information. I have sent in identity theft report ( as required by the bureau ), yet no one has deleted these accounts when I have proven they are not mine nor can a simple contract with my signature be given to me. <P/>Inaccurate reporting is occurring because : 1 ) Since the bureau assist on the validity of the account, the charged off account no longer has a valid contract and the credit bureau cant furnish evidence of such valid contract and it is 90 days into the investigation. 2 ) The original creditor has sold or transferred the debt to a collection agency, but a past due amount is still reporting, which is illegal according to FCRA rules. 3 ) The bureau claimed to have investigated the validity of the account ( something they initiated and I followed up on ), but have been unable to furnish undisputable evidence, with my written signature, of such validation and it is now 60 days into the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been the victim of ongoing ID theft and have numerous fraud inquires as well as XXXX fraud accounts begin reported with Equifax. Both XXXX and XXXX have removed these fraud accounts but Equifax refuses to do anything!! I have been fighting with Equifax for quite awhile trying to resolve this matter and they will not do XXXX!!! Even with a valid police report as well as other supporting documents. I am a XXXX veteran and Equifax is treating me worse than a criminal. I would like for them to remove and or block the fraud items I have listed in the attached letter and stop ignoring my request to correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax refuses to remove the unauthorized inquiries off my report. There are 46 inquires on my report. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (MA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I received my monthly statement from discover for  XXXX   XXXX  the to  XXXX   XXXX    XXXX  . It had an additional fee charged as minimum interest charge fee. I called to ask  Discover  what the charge is about and I was told by  XXXX   ( EMPLOYEE  ID #  XXXX  ) that it was for my  XXXX  purchase on  XXXX   XXXX . I argued that a purchase in the current statement should not be charged interest until the statement bill is due. I was told that since I did a balance transfer in  XXXX    XXXX  , all purchases after the balance transfer will be charged interest immediately. I reported that I wasnt told about this and this sounds pretty deceptive. She told me it was in the fine print of the balance transfers.   It just seems that this is another way of credit card companies to make money by not disclosing the terms and charging fees at very high interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Bank account or service (Savings account) with TD BANK US HOLDING COMPANY (NY).
Issue: Account opening, closing, or management

Complaint: Opened a savings account with TD bank on XXXX XXXX and have made XXXX transactions ( electronic funds transfer ) online to and from my checking account. Was informed by TD that it is their policy to only issue quarterly statements, regardless of the number and nature of transactions made in that month. 
Regulation E 1005.9 directly refutes that policy.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Technically this was not identity theft and that is what is the crux of this issue. 

I had this XXXX XXXX account as a starter card to rebuild credit. The max was {$300.00}. In a few months I received a letter asking me if I had moved and gave my " new '' address as in Louisiana Do n't live there, never been there. After working with the credit card company who could see that someone in Louisiana would run it up then " pay '' it off and charge up again before the payment bounced. 

After they investigated, they sent me a letter stating the account was all fraudulent charges and the account was closed. This account was in my previous name, XXXX XXXX XXXX. 

I never heard from them again ; not by phone or email or letter. Suddenly I 'm getting collection letters. XXXX companies tried to collect this " debt '' and instantly gave up when I would sent the letter from XXXX XXXX. This company, however, is not understanding the issue. They are asking for police reports and notarized identity theft papers. This was not identity theft. The letter I sent shows I owe nothing. Their threats in the letter are the usual and just before lodging this complaint I called this collections agency and said I would give them one more chance before I filed a complaint and all I got was attitude and attacks on my credibility. As promised, I am lodging this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had a contract with XXXX. They had to come out five different times to get the satellite right and they still did not get it right. I finally told them to come get their equipment.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: TransUnion The way the system is set up, it discriminates ( see attached XXXX pages ) against people who pay their bills on time. In my case, not only are they discriminating against me, the Credit reporting agencies have wiped my credit history out and have dropped my credit score down to XXXX from XXXX. It 's as if I have never had credit. I 'm being treated as if I have BAD credit. Auto/home insurance rates have gone up. If I borrow money, my interest rate has gone up 1.5 %. I 've been denied credit cards and my checks are being denied by a company called XXXX, due to my credit score. XXXX will not authorize my checks. As of today ( XX/XX/2016 ), my score is XXXX/XXXX. 
I want my credit score to reflect my outstanding payment and credit history over the years. Not just the past three months. 

QUESTION : How is this system fair? As stated above, the credit reporting agencies are set up to discriminate against individuals that pay their bills on time or early. If you read their own definition/explanation, the credit reporting agencies want to force you into debt in order to obtain a higher credit score.

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 06-02-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Was not happy with the decision made so I investigated it further.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Trans Union recently e-mailed me a copy of my free annual credit report, but I was UNABLE TO PRINT IT! I would now like to ACCESS THAT SAME REPORT via their website, but THIS IS IMPOSSIBLE TO DO! Please find out WHY their website is so NON-USER FRIENDLY to people desiring to get a copy of their credit reports!

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 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On  XXXX   XXXX     2017, we paid o ur HELOC balance in full.   Prior to payment we  called    XXXX   XXXX   to let them know we were paying off the full balance on     XXX/X/2017  .
We asked if there would be any problems if we did not make a   XX/XX/2017  payment,  as full pay-off would be made 72 hours l  ater.   We were assured it was ok and there would be no problems.   But  XXXX  created a major problem for us, by reporting a " late '' paymen t on  XX/XX/2017 , when they assured us they would.    As the full amount of the loan, not just a monthly payment was made 3 days later and  XXXX  knew it was coming, from to notifications ;  one fro m our phone call and the second from the  XXXX   XXXX  notification of pay  -off seven days earlier, it was unfair of   XXXX   XXXX   too harm our credit with a late report.
The Credit Rating companies -  XXXX    XXXX  and  Experian- h a ve wrongly reported this as a late payment The harm has been extensive, stopping us from getting a new mortgage.

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 09-09-2015 about Student loan (Non-federal student loan) with ACCESS GROUP INC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I am unable to reach anyone by telephone for XXXX of my private educational loans for law school. Specifically, the loan disbursed in 1998, with the account # XXXX, by The Access Group ( XXXX ) had me on hold for over 20 minutes before I had to hang up to work. 

I have had trouble with many aspects of the servicing of this loan, including not being able to reach the servicer to learn the balance or what is going on with this loan. I believe that excessive interest has been and is being charged on this loan for a variety of ongoing accounting errors. 

Please have someone from The Access Group contact me and require that it provide telephone numbers where people actually answer the call who can answer questions about my loan in a reasonable amount of time. Please also procure a significant discount off the loan for their failure to provide access to personnel who will answer questions about it and increase the amount of the discount with each recurrence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with First Credit Services Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was received a letter from the " FIRST CREDIT SERVICES '' stated that I owed {$370.00} to XXXX XXXX XXXX XXXX FL Original Creditor that I have 30 days to answer. 
I send a letter to dispute the validity of the account before the XXXX day notice. I did not received any answer from FCS. Then I received a notice from XXXX XXXX stated that FCS sent my account toXXXX. They did not give me any chance to negotiate with them before sending my account to Credit Bureau Services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2016 about Consumer Loan (Vehicle lease) with World Omni Financial Corp. (FL).
Issue: Problems when you are unable to pay

Complaint: My father passed away XXXX XXXX, 2015 with no assests. He had a lease with Southeast Toyota Finance at the time of his death in his name alone. At toyota 's instruction, the car was returned to a XXXX dealer on XXXX XXXX, 2015. A copy of the death certificate and explanation of the situation was provided. Since that time, Toyota and XXXX XXXX collection services have been contacting my mother and members or our family trying to collect a balance on the lease. We have instructed them by phone and mail to stop contacting us, yet they persist.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Capital One has refused to provide me with a contract with my actual legible signature verifying that I agreed with the terms. They keep sending me dispute letters and copies of the bill statements. I want a copy of the contract with my signature on it.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Credit card () with BARCLAYS BANK DELAWARE (WA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: XX/XX/2015, a credit card was opened with this lender using my social security number and date of birth under a different name that is not mine nor a name that I have ever gone by. I found out this past week that I became a victim of identity theft and have since contacted this lender and XXXX, XXXX and XXXX to flag my credit file for fraud. I have never had an account with this lender.

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 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I noticed on my XXXX report that there is an address showing as mine that I have never used. I went online to try to have this inaccurate information deleted only to find I was denied the right to do so. Now I am getting an error when I attempt to dispute it.

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 08/20/2016 about Credit reporting () with Experian Information Solutions Inc. (PR).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: THE COMPANY EXPERIAN REFUSE SEVERAL TIMES MY FREE ANNUAL 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 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Experian has reinserted the following  XXXX  accounts back onto my report with any notification. This is a strict violation of the FCRA. On  XXXX   XXXX ,  XXXX  I disputed  XXXX   XXXX   XXXX   XXXX  for reporting inaccurately. Experian removed them from my credit file as of  XXXX   XXXX ,  XXXX  and the remained removed as of  XXXX   XXXX ,  XXXX . I was reviewing my credit today  XXXX   XXXX ,  XXXX  and noticed they had been placed back on my credit this month. I have never received any notification from them about the reinsertion. I need them removed immediately or face legal action ... I 'm including all reports from  XXXX   XXXX  -  XXXX   XXXX  as proof of the reinsertion ...

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 05-01-2017 about Debt collection (Other debt) with The CMI Group, Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: The debts went into collection and were sold to a collection company. The  Collection  companies have been trying to collect. I have sent letters to Original creditor, collection agencies and contacted credit bureaus regarding matter on   XXXX   XXXX   XXXX    . The original creditor or the collection agencies responded to my letters.   I have no contract with these collection agencies and I have asked for any contract they have with my signature, still no reply. The credit bureaus told me these collections agencies have a right to collect because they bought these debts and they want their money and they do not need a signed contract. I was told by an  XXXX  representative that I could not dispute these collection agencies because my reasoning was invalid.     I have no contract with  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX  GA  XXXX  as this account was sold to   XXXX   XXXX   XXXX    XXXX   XXXX ,   XXXX   XXXX   XXXX   XXXX    XXXX  PA  XXXX ,  XXXX  I have no contract with   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , KY  XXXX  as this account was sold to  XXXX   XXXX   XXXX  #  XXXX ,  XXXX   XXXX   XXXX ,  XXXX , TX  XXXX ,  XXXX  I have no contract with  XXXX   XXXX , as this account was sold to  XXXX   XXXX   XXXX  #  XXXX ,  XXXX .  XXXX   XXXX   XXXX , KY  XXXX  Please help me if possible. Thank you

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with BYL Collection Services (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This debt is ruining my life!!!!! In the past, I was denied housing with my spouse because of these people, and the debt is for {$9000.00}!!!! We are on a fixed income, and in no way, shape, or form afford that! These people are liars!!!!! They kept jacking up my rent without notifying me about it!!!! They lied!!! I now live with my spouse, however this still needs to be taken care of!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation