milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Problem with fraud alerts or security freezes

Complaint: I pulled my EQUIFAX credit report through their website online XX/XX/XXXX. Then I decided to freeze my account, also done online. The last step in the Freeze process provided a page that " confirmed my transaction was successful, '' and provided a web link to a PDF that contained my Freeze PIN. I clicked on the link as directed and the PDF never loaded. Therefore, I never got my PIN. 

I called the phone number on the confirmation page, and the CSR told me she could mail the PIN to me and I would receive it within 7-10 working days. I requested the PIN immediately, because my EQUIFAX credit is now HELD HOSTAGE by them, and I am unable to manage MY OWN credit account. To make a long story short, over the last two days I've spoken with several EQUIFAX people, XXXX, XXXX, XXXX, XXXX and XXXX. ( Several of these people have foreign accents so thick that I couldn't understand them. ) Every one of them REQUIRES me to provide the last 4 digits of my Social Security number in order for them to help me. I refused to do so, because Social Security numbers are meant to be used ONLY as a vehicle for a person 's account with the Social Security Administration. 

XXXX, the last person I spoke to ( who refused to give me her last name initial, location or department name ). Instead, I wanted her to use the confirmation number on the credit report I pulled. She refused. ( She was at XXXX. ) At this point, I have no expectation that I will ever receive my EQUIFAX Credit Report PIN. The EQUIFAX online credit account Freeze process is misleading and unnecessarily difficult. By the way, I froze my XXXX  and XXXX accounts also on XX/XX/XXXX, with no problem whatsoever. 

PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: after reviewing my credit report i saw that this creditor have leading and false information on my credit report, XXXX XXXX in the amount of {$10000.00},

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 03/22/2016 about Debt collection (I do not know) with Independent Recovery Resources, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Upon reviewing my XXXX credit report I noticed XXXX discrepancies on my report been reported from Independent Recovery Resources. According to this company they are a debt collection agency which whom is collecting a debt from XXXX XXXX. I never had an account or business with XXXX XXXX. I disputed this account in the past and they ceased reporting me but again they have came back. Independent Recovery Resources is affecting my credit and affecting certain aspects of my life due to this negatively reflecting on my credit history. Independent Recovery Resources reached out to me in the past ( a few years ago ) and never clarified what this was from but continued harassing me, I disputed and now again like I stated they are reporting me. I have not received any contact from this company in a while so I do not understand why they are back on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: 8 years ago, I cancelled my XXXX service as I no longer had a house phone to connect the service to. Now 8 years later they are saying that It was cancelled due to non payment for some months. I never received any communication on this until now * years later. I have had several loans since then and it never showed on my credit reports. I think they botched up their records and are trying to recoup stuff that is not owed. ALl I got in response was scripte answers. I called them on XXXX/XXXX/2016. I called XXXX XXXX and the collection agency Transworld Systems , Inc XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I sent the reporting agency a letter on  XXXX / XXXX / XXXX  then again on  XXXX / XXXX / XXXX  and finally another letter on  XXXX / XXXX / XXXX . They have not responded to my request with the required 45 day time.

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 07-01-2017 about Debt collection (Credit card debt) with Colony Brands, Inc. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: There is a credit card from a company called  Swiss Colony on my  credit report, an account fro m   XXXX /2010.  This a ccount was not opened by myself, I had never heard of this company before this. I have repeated that over and over to them when the phone calls and collection letters started coming shortly after that date. I have disputed it with  XXXX  and   XXXX   all to no avail. I did receive a  XXXX  page letter fr om Swiss Colony asking for all na mes of who could of possibly opened the account in my name and then I was to have it notarized and mailed back. It could have been anyone. Where would I even begin? an ex boyfriend?  XXXX  of my  XXXX    XXXX   XXXX    sisters? The nasty neighbor  XXXX  doors down who doesnt like  XXXX  or dogs? I have  XXXX  dogs. They wont tell me if they have my signature for whatever was allegedly sent. I am trying desperately to clean up my credit so that I can purchase the home I have rented for almost 11 years and is now for sale due to land lords passing. I want this ridiculous nightmare over by having this removed from all  XXXX  credit reporting agencies. I will state again, this is not my account!

Company response to consumer: Untimely response
Consumer complaint received 06-06-2017 about Vehicle loan or lease (Loan) with TD BANK US HOLDING COMPANY (GA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I made a payment on this account X/XX/17 which was ontime but the TD Auto finance company is reporting it as being made on X/XX/17 making it a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I checked my credit report and saw that there is a XXXX against me. The reference number is XXXX. I DO NOT have contract with Capital One Bank USA, NA. This account is showing as being paid in full. This has been going on for more than 7 years and they have refused to remove it from my credit which is affecting me because I can not buy a house unless this XXXX is removed/deleted from my all XXXX credit report agencies. 
Public Record Details Reference Number XXXX XXXX XX/XX/2013 Status XXXX Amount {$1500.00} Classification XXXX Type XXXX Contact Details : XXXX STATE COURT XXXX XXXX XXXX, GA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I sent a dispute to Transunion XX/XX/2016. They received it on XXXX XXXX, and I 've yet to receive the results. The results were due back to me on XXXX XXXX and they did not arrive. Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) the credit reporting agency must delete the disputed information. Attached you will find the disputes in question, and the proof of delivery.

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 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I dont owe these companies I had heath insurance during this time with my current employer!!!

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 09/16/2016 about Debt collection (Mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: In lieu of valid Assignments, Trusts continue to rely on Assignments specially made by their own law firms and mortgage default service companies. Eventually, these fraudulent Assignments are being discovered by Courts, and the foreclosing trusts required to prove that they own the Mortgage and Note in the foreclosure action without reliance on Assignments that misrepresent the date of the actual transfer to the Trust the authority of the signers of the bankrupt original lenders. For XXXX homeowners, this realization has come too late. 
Aside from the law firm and mortgage default servicing companies that fraudulently produced Assignments, such as Ocwen loan servicing, and third party manufacturing company indecomme global services, XXXX XXXX XXXX, XXXX XXXX and XXXX, XXXX law firm FOR EXAMPLE they are producing fraud assignemnts. 

The entities at greatest risk that the fraudulent assignments scheme will be exposed are the title companies which all theses ( Ocwen loan servicing, and Third party manufacturing company e.g XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX, XXXX law firm all owes it little title company, e-title for XXXX XXXX XXXX and XXXX associates etc ... ) are the tittle companies that guaranteed the clear and correct transfer of ownership to the trusts. ALSO at risk are the trust creditors themselves and the trustees. Both groups of entities have been on notice for several years THAT the faulty assignments were likely to jeopardize the trusts claims to ownership and ability to foreclose in the event of default, yet have failed to disclose the critical information to trust shareholder and to the sec. 

THIS COMPLAINT FOCUS ON DEFAULT buyer DEBT COLLECTOR OCWEN LOAN SERVICING LLC USE DOCUMENTS MANUFACTURING COMPANY TO PRODUCE FRAUD ASSIGNMENTS OF DEED OF TRUST AROUND THE COUNTRY UNDER THE CONTROL OF default DEBT COLLECTOR LAW FIRM LAW FIRM XXXX using ASSIGNMENTS OF DEED OF TRUST PREPARED BY XXXX, FOR DEBT COLLECTORS OCWEN LOAN SERVICING, DEBT COLLECTOR XXXX LAW FIRM see several attached documents files

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2016 about Student loan (Federal student loan servicing) with ACS Education Services (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have just completed my degree, but I have received no statement telling me who owns my different loans. I have been receiving random letters from various loan servicing agencies such as XXXX and ACS, but they all have different dates at which payment is due and different terms for repayment. I submitted a request for an Income Based Repayment plan on XXXX. Using their IRS disclosure system, it was very quick and simple to complete, but it was only valid for my Dept of Ed and XXXX loans. ACS apparently wo n't allow customers to apply online. Instead you must download, complete, and mail a XXXX page form buried deep in their website. It 's a pain to complete and most certainly is designed to keep students from pursuing this option.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Colony Brands, Inc. (CT).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Ginny 's XXXX I wrote them 3 letters and requesting by certifiy mail and notarized letter requesting the company to validate the debt with my original signature and they fail to provide. I sent this request to credit bureau XXXX, XXXX, and XXXX as well too indicating I wanted the company to validate the debt with original signatures and either party has done so on the 3 attempts that I have made. For example, I spoke with XXXX about this matter and they had the letter requesting the original signatures and it was not done. I even ask for a supervisor she then denied the letter was on file after previous rep stated the letter was on file and they did not get the return original signatures from Ginnys ' within 30 or at 30 day time frame. I also went the extra step to make a complaint about Ginnys 's to the BBB of Iowa where the company was locate they got no response after trying 2 attempts about validating the debt with original signatures I have a copy of this letter too. I advised both the bureau and the creditor what I needed to see verify this was my debt and both parties just ignored me. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Ive called each credit bureau multiple times advising them of unauthorized inquiries and they did nothing to accommodate the situation per the FCRA. I listed all the inquiries and told them that they should not try and make us contact the creditors for accounts we dont have and did not authorize. Over half of these hard inquires were placed on my account 2015 and I was overseas in the 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 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My purse was stolen out of my car in a XXXX parking lot ( XXXX, NC ). I did not do a police report at that time. After recently pulling a copy my credit report I noticed that there are quite a number of medical debts that are n't mine. I immediately contacted the collection company who did not help me and then I contacted the credit bureaus. I disputed all items asking that signed documents be shown as proof that these charges belong to me. I have not received any original signed contracts to prove that these accounts are mine because there are none. I was told to get a police report but the years in between now and then of coarse that was impossible. I understand that each bureau reports differently however truthfully these accounts do n't belong on any of these bureaus credit report for me. I have attached my FTC Identity Theft Report Letter as well as the letter that I sent to XXXX and Transunion XXXX/XXXX/XXXX. These accounts are making my credit bad and hurting my credit credibility. I have been trying to have these accounts removed for about three months now. This is unfair to me and I really need it to be fixed.

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 03/21/2016 about Consumer Loan (Vehicle lease) with VW Credit (AZ).
Issue: Shopping for a loan or lease

Complaint: Volkwagen XXXX XXXX and Volkwagen Credit, made an improper " hard '' credit inquiry in 2014 resulting in subsequent adverse credit decisions including denial of credit or higher interest rates. I authorized XXXX inquiry during an application of the lease of a vehicle. I contacted the reporting credit bureaus who referred me to Volkswagen Credit and its agent, Volkswagen XXXX XXXX. To date, only Volkswagen Credit responded and refuses to remove the inaccurate data. I do not dispute that I applied for the loan and authorized a credit inquiry. The dispute is about the number and timing of the other unauthorized inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Debt collection (Auto) with Automotive Credit Corporation (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XX/XX/XXXX my ex husband and car salesmen told me to sign a document so my name can be on the title of his new car purchase in case I get pulled over. I told them I was n't co-signing and they assured me I could n't because I did n't have good credit and it was only so my name would be on the title. I signed a piece of paper and fast forward XXXX years now the debt is mine. The creditor has taken my state taxes. I 'm remarried and they have gone into our joint account and taken over {$600.00} ( which was our rent for that month ) and I was n't working so it was my new husband income but according to the bank married couples take on each others debt. Now they are taking my child support from my personal account I 've had for years with no incident until they merged with another credit union. Although I have not worked since XX/XX/XXXX they continue to harass me and recently took {$7.00} well because that is all I had left in that account. I made a {$300.00} deposit to rent a car but took it out the same day once I could n't get the rental. My point is there are no deposits for this account other than child support from a income standpoint. I called my credit union once before on the same issue and they told me they could n't do anything because it was a garnishment. I informed them it is illegal to take child support as payment for a debt. They informed me that any deposits made to my account is fair game. So, I 'm at a loss and will have to file for bankruptcy I 'm guessing. However, I wanted to put this on the record that I have contacted the Attorney Generals office and they sent back the creditors response which included the form I signed plus another XXXX I did n't sign that miraculously had a signature that was n't mine on it. These creditors take illegal measures with consumers that ca n't afford to fight back because no one holds them accountable. So for all the consumers out there, DO N'T SIGN ANYTHING WITHOUT READING IT.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 07-06-2016 about Credit card () with CITIBANK, N.A. (IL).
Issue: Rewards

Complaint: I opened Master Card credit card account with Citibank on XXXX XXXX. On XXXX XXXX I received e-mail from Citibank with " welcome offer '' for new cardmember to open XXXX more card account with attractive terms - XXXX miles bonus after spending {$3000.00} within first 3 months of account opening. 
So, I applied for the new card on-line, get it, fulfilled required terms ( spent {$3000.00} within 3 months ), but did n't receive XXXX miles to my XXXX advantage account. To resolve this issue I called to the Citicard Customer Service several times. 
Finally they told me that I 'm not eligible for this reward because you 've already get one within the previous 18 months. 
I 'm disagree with this decision because of following reasons : 1. Citibank initiated this deal and promised this reward on the proposal without any mention about " 18 months rule '' 2. No one document that I got ( welcome offer, online application form, Credit Card Agreement and benefits brochure ) contains the " 18 months '' rule. It looks like Citibank deliberately kept back this important information to encourage me to use their product.

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 12-08-2017 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: Old information reappears or never goes away

Complaint: This account below has been deleted from my credit report twice and readded. i have provided in a past the XXXX XXXX for this debt. it should be de ; letd again from my report. it is also more than 7 years old. not sure what equifax is doing on credit reports but alot of the information on my report is missing or readded debts that are mines. 

XXXX XXXX {$7600.00} Closed Overview You 're currently using 254 % of your account 's limit. 
Balance {$7600.00} Credit limit {$3000.00} Minimum monthly payment {$7600.00} Opened XXXX XXXX, XXXX ( 6 yrs, 5 mos ) Payment History Youve made 71 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment XXXX XXXX, XXXX Current Payment Status Charge-off Amount past due {$7600.00} Worst Payment Status No Info Account Details

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Credit card () with DISCOVER BANK (MN).
Issue: Billing statement

Complaint: Discover is displaying the incorrect balance for my credit card. Please see attachment and not that the math does not add up. Also note that if you included the pending activity of {$8.00} you still do not arrive at the balance that is stating so the pending activity can not be the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filling this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and connot verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to '' ... promptly delete all information which can not be verified, '' that i have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation