BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-02
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2019 I sent Equifax ( see attached letter ) a letter requesting that the security freeze on my account be lifted for the period XX/XX/2019 through XX/XX/2019. I received a letter from Equifax, in response, dated XX/XX/2019 indicating : This letter confirms Equifax processed your request and permanently removed the security freeze on your Equifax credit report. 

Despite my clear instructions to lift the security freeze for the period XX/XX/XXXX-XX/XX/2019, Equifax incorrectly processed my request by " permanently removing my security freeze. '' Further, I have been unable to access my Equifax online account for at least a year now ( see attached screenshot ). Each time that I attempt to login the following message is displayed on screen : Please give us a call We can't complete your request at this time. 
Please call the Customer Care team XXXX Customer Care is available between XXXX XXXX and XXXX ( ET ), 7 days a week. 

Each time that I have contacted Equifax at the number I've been told that they are working to resolve the issue. The last time I called they told me they were " unable to verify my identity. '' Ive been told that Equifax has been having technical difficulties and that this issue would be fixed but yet it never gets fixed. 

As a result, the last written correspondence with Equifax ( which included copies of my DL, utility bills, etc ... to " verify '' my identity ) included a request to have the login information corrected. To this date, no action has been taken to correct my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a letter on XXXX XX/XX/2021 from Southwest Credit XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, TX XXXX with an unfounded clam that I owed a power company, XXXX XXXX account No. XXXX a total of {$720.00}. I responded in writing that I did not open that account, I did not and have never had any accounts with XXXX and that I did not own any overdue debts to them or anyone else. 
They responded by sending a copy of the bill from XXXX with my name and some ones else address in another state I have never been to. They made NO attempt to validate if this was a valid charge against me and then filed a debt collection on my XXXX  credit report. 
I told them in writing that this not my account, that this was not me and that I have never had any dealing with XXXX. 
This is no more than a strong arm/fraudulent attempt to collect money they aren't owed and don't deserve!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On  XXXX / XXXX /2017 I received A check From A   XXXX   XXXX   Job I Applied For Off Offline, With The Check Was Specific instructions Too Deposit The Check Into My Account & Proceed To   XXXX   XXXX    To Complete The Assignment My Pay Was   XXXX   Dollars & With The Rest I was Suppose To Complete A   XXXX   XXXX   Assignment On The Company   XXXX   XXXX   ... I called Capital One After I deposited It, To Check On it & I was Told My Account Would Be Closed Because The Check was a scam I Pleaded My Case I honestly Thought It was A Legit   XXXX   XXXX   Job I had No Idea The Check Came  XXXX  Priority I 'm So Afraid I Didnt Know The Check or company Was part of a Scam I never Would Have deposited It Into My Account I Never Gave The Company Any Of My Bank Account Information I only Applied With My basic Info Which I explained That To The Agent From Capital One I was Talked To Very Rude & Treated Like A Criminal

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: ID Analytics, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There is an enormous disparity between my actualbcredit score & the one XXXX  , XXXX  has provided. This has caused the rate on my car loan to be higher than anticipated.

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 2023-10-04
Company: Experian Information Solutions Inc.
State: MO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I always pay on time and never missed a payment.

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 2017-07-16
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There is no contract or account with collector.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
why are these account reported twice on my credit report? I asked for an explanation to the credit bureaus but until now, I got no response from them.. Furthermore, the account was never paid late. I am faithfully paying my account with this creditor, no late payments. Fix this error please since Equifax couldn't help me XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I disputed an account with Transunion for XXXX XXXX XXXX and they failed to enter the notice of dispute within 30 days.

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 2017-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Transunion continues to report inaccurate information on my credit file and denies me access to Transunion as the law requires. They have placed me in their " priority '' department which has no XXXX number so everytime i call, no one in Transunion has access to my credit file because it is handled by a " special department '' which has no number and when they transfer me it goes straight to a voicemail that never gets returned. I have sent Transunion a dispute via certified mail, via fax and via regular mail. I have waited more than the 30 days allowed by FCRA. They simply respond that the account is verified and do not do anything with my dispute. I 've even contacted some of the original creditors and they have confirmed no contact has been made with them. Most recently i filed a dispute with the BBB where i had sent supporting documentation to which Transunion simply read the first sentence of the dispute and responded that my documentation is not sufficient. To be specific i have a letter from XXXX stating that they have instructed Transunion to remove unathorized hard inquiries from my credit report yet Transunion refuses to do so because they state that XXXX has not been specific enough. They simply drag out the process to make sure that they can keep reporting negative inaccurate information because of course that is how they make their money. I have been trying to get inaccurate information removed for almost a year and have not gotten anywhere with this credit bureau.

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 2019-06-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
It has been nine ( 9 ) years since I had disputes with creditors. All negatives at this point should be removed. I called XXXX  and spoke to a representative. I asked him if all negatives have been removed from my credit report. He said no it takes ten years. I told him that is incorrect. It is seven years. I confirmed that with the Federal Trade Commission. That is hurtful to consumers, please remove all negatives from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My complaint is on the fedloan servicing lender. 
The school I attended is XXXX XXXX in XXXX XXXX, CA which does n't exists in that location anymore. 
My mom has been trying to pay off a parent plus loan that has now accumulated to over {$30000.00} because she has been qualified for low income payments. She even qualified for a little more than a year on a program where she had to make $ 0 monthly payments for 10 years and then the loan would be forgiven. Then they requested proof of income from her and because she makes more money than the year before she had to start making {$150.00} payments with an 8.500 % interest rate. I have called on my moms behalf to see if she has any options to lower the interest and they say they do n't but that she only has to pay for 10 years and then her loan would be forgiven, they keep giving her the same story. Based on the owed amount and the interest rate, she will never pay towards the principal any money. I informed them and they said I 'm correct. So I asked them " are you telling me she is basically only going to pay you interest to hold the loan and never pay the principal? '' And they said yes. I believe they are a huge scam for the practices they are doing because of course my moms credit score is not high, she does n't make enough money and she ca n't get a loan to help her pay off this enormous amount, but they keep getting her into programs that promise to " help her ''. I have read about predatory lender practices and I believe this is exactly what they are doing to my mother. I have even Googled this service and there are so many complaints out there I believe there should be an end put to them. We are honest people trying to pay off a loan that does n't seem to have an end. To make matters even worse, she just took my younger brother to attend school and they placed a new loan under the same lender. We dont understand why they did that. 
Thank you very much for all your help and your time taken to read my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Sequium Asset Solutions, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
about a month ago, I submitted a complaint on this same website about a collections account against my credit From and sequium solutions saying that I owe them over {$350.00}. i didn't get a email, call, text, or letter warning me or telling me about the situation it just all happened at once. I even tried calling the collections agency myself and they never picked up the phone. my credit was plummeted and I had a collections account on my credit report without hearing a word from anyone. the people at CFPB also saw this as an issue and resolved it by taking the account out of my report which ill be forever grateful. everything since then has been fine until today, XX/XX/2022, XXXX emailed me saying they're attempting to collect the same debt I already disputed and that this communication is from a debt collector. I want these people to leave me alone how can they still try to collect a debt that was already disputed?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXXXXXX # XXXX, .. has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXXXXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 2017-03-22
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
After Reviewing My Equifax credit report I found their was a bankruptcy showing on my report. I first contacted the reporting agency as seen on my credit report, NJ bankruptcy court via mail. They wrote me back indicating that they have no correspondence nor do they report to any of the XXXX credit bureaus. I then contacted Equifax and requested that they validate this negative account and provided me with copies that clearly state that NJ bankruptcy court is n't reporting to their agency. I received a letter back from Equifax stating that they have validated the debt. They have not provided any such documents bearing my signature, or any documents supporting their claim to be valid. I sent Equifax certified letters on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX asking again that they validate the alleged debt and if they cant please delete the account from my report. I noted in my letter that proof of validation is a document bearing my signature, or any court documents stating that they our reporting a Bankruptcy to their agency. As of XXXX/XXXX/XXXX Equifax is still reporting bankruptcy on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I contacted Mazda Financial Services on XX/XX/XXXX regarding auto loan payoff. I was told to overnight the funds and the payoff would post within 3 business days. The payment was received on XX/XX/XXXX. As of today ( XXXX ), the payoff has not been applied and Mazda can not tell me when it may be applied. Mazda will not take the payoff over the phone and told me they will get it it when they get to it. I am paying off the loan to sell the car and Mazda seems unable to process this payoff in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In alcordance with the XXXX credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose. 
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Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16
Company: U.S. BANCORP
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On  XX/XX/XXXX   XXXX   XXXX   XXXX   gave U S Bank Mortgage the responsibility of servicing my loan. The   XXXX   XXXX   courts was n't notified. My rights under the wage earner law has been violated. I had   XXXX   XXXX   XXXX   under   XXXX   XXXX   from  XXXX - XXXX . I was discharged in  XXXX . I paid   XXXX   XXXX   XXXX   outside Of The courts. My case number is  XXXX . I paid   XXXX   XXXX   XXXX    through their bankruptcy department. I was current with   XXXX   XXXX   XXXX   in   XXXX   when my loan was transferred to US Bank Mortgage. I do n't know why   XXXX   XXXX   XXXX   did not report to   XXXX   XXXX   court they were  transferring my loan. All of my other creditors was paid by my former employer   XXXX   XXXX    & my payments were payroll deducted. My employer ein # is  XXXX . {$140.00} was being deducted every week from my payroll check every week. In   XXXX   when I received the settlement from the medical malpractice law sue I filed in  XXXX . I paid the courts {$18000.00} on  XX/XX/XXXX  to pay all of my creditors off. The loan I had with the   XXXX   XXXX   was refinanced on  XX/XX/XXXX  while I was in   XXXX   and under   XXXX   XXXX  . I paid off the money store and   XXXX   XXXX   was paid off. The new loan refinanced was with   XXXX   XXXX  . Their loan number is  XXXX . Payments was being made to   XXXX   XXXX   XXXX  .  XXXX  XXXX  interest statements was reported to IRS using my social security number. These fraudulent acts was being done while I was suppose to be protected.

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 2019-06-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have already filed a complaint about this company and they can not obey US collection laws. They have not validated anything and keep sending me the same letter asking me for my name, address, account number. 
As you see again I received another letter asking for the same information. They can provide any kind of validation and are reporting as a collection in my credit reports. 
They have gone past 30 days to VALIDATE and can not follow the collection laws!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Consumer Adjustment Company Incorporated
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I receive a notification from my credit bureau alerts stating of a change in my credit, upon review of the notification, I was notified that there was a collection being reported against my credit a collection that was reported opened on XXXX XXXX XXXX Reviewing my credit file it looks like the collection agency called consumer adjustments XXXX, purchase a debt from a original collector called XXXX XXXX XXXX, Which I have never conducted any business with. 

I will file a police report filing a fraud claim against XXXX XXXX XXXXXXXX and I will submit an added to this report once I get the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
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:
Have written to Transunion, XXXX and XXXX 3 times in regards to XXXX XXXX XXXX  ( as well as several other issues on my credit report ). Transunion took over 2 months to reply. Have not received much communication from XXXX  nor XXXX IN regards to XXXX XXXX, above, this item was PAID, CLOSED  and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT CLOSED IN XX/XX/2009 AND PAID. I would request this be DELETED from my credit report as it is INACCURATE

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