Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has been non-compliant with removing the unverified account Bankruptcy   which has been deleted by XXXX and XXXX. XXXX and XXXX   have both completed their research and determined that Bankruptcy was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Complaint sub-issue: Keep getting calls about my loan

People from a phone number XXXX XXXX XXXX XXXX are calling me and my cosigner at our place of employment regarding my student loan that is not deliquent the calls are daily XXXX to XXXX times a day and I believe it is bordering on harrassment. When you try to get information they are very nasty. Please help.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX issued a credit card under my name fraudulently. I was the victim of Identity theft and have filed reports with Identitytheft.goc as well as a police report. I asked that the account be cancelled and a notice sent to the credit reporting bureaus acknowledging that this was a fraudulent account. 

Despite contacting the agency ( phone, I do not have dates ) and last month by email, I have not heard anything back from the company, nor have the credit reporting bureaus Thank you, XXXX XXXX
Complaint sub-issue: Trouble with how payments are handled

I took out a {$6000.00} XXXX XXXX private loan that was then bought out and serviced by Discover private loans. My interest rate started at 10.25 % in XX/XX/2015. Discover raises the interest rate every 3-4 months and it is now at 11 %. I also was n't given control over how the payments were applied. So while my loan should be half paid off, it isnt because they applied all payments to interest. Now they give me an option on how to apply overpayments, but it is worded strangely so i never know if im choosing the correct option.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My personal information has been compromised and someone is attempting to apply for credit using my information. 

I have reported this to all three credit bureau 's but a fair resolution has not been provided.
Complaint sub-issue: Information belongs to someone else

I am writing to dispute the following information in my file resulting from the crime because I am a victim of identity theft. I have listed the accounts I need to dispute on the attached copy of the report I received. The accounts I am disputing do not relate to any transactions that I have made or authorized. Please remove these accounts at the earliest possible time.These accounts are erroneous and imprecise for I have not remembered having these accounts. Also, the information you provided on some accounts are different from other bureaus and I know that they are inaccurate and the reported payment history on some accounts are questionable to me. I have always been stellar in my payments. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the adverse information on the accounts be DELETED to correct the information. Please look into these matters and REMOVE the disputed accounts as soon as possible.
Complaint sub-issue: Account information incorrect

I've contacted Equifax to let them know that one on my account are not showing accurate information I let them know that it should not be showing a late payment. The creditor sent them information to have it removed and they still haven't removed or updated the information Equifax states they are not receiving documents even thorough it was sent out twice Account : XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account XXXX XXXX has Violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX 15 USC 1681 section 602 A 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 accounts without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Their investigation did not fix an error on your report

I SEND OVER 5 LETTERS TO GET THIS ACCOUNT DELETED ACCOUNT # XXXX ON XXXX AND ACCOUNT # XXXX EQUIFAX. 
I CIRCLE ALL THE DATES ON THE AND MISTAKES ON PHOTOS. 
I SEND A LETTER RECENTLY THIS MONTH AND TOLD THEM IT WASNT MY ACCOUNT THEY SEDN BACK UPDATED I DIDNT ASK FOR ANY INFORMATION TO BE UPDATED.
Complaint sub-issue: Billing problem

I am a Carmax customer who purchased a vehicle from their XXXX, Maryland store in XXXX of XXXX. I also financed my vehicle through Carmax XXXX XXXX at that time. On XX/XX/XXXX, I visited the XXXX store to make my car payment and was told there was an issue with the credit card processor after swiping my card for payment. I logged into my bank account and verified that the payment had indeed come out of my bank account, showed proof of the payment to the XXXX XXXX representative handling my payment, and was told I was good to go. Two to three weeks later, I began receiving collection phone calls from Carmax XXXX XXXX several times a day, claiming that I had failed to make payment for the month, despite having explained what had happened to each Carmax associate who called. After verifying with my bank that the payment made on XX/XX/XXXX at the XXXX store had in fact posted as a final charge, and hadnt been returned to my bank by Carmax XXXX XXXX, I provided this information in addition to bank statements to prove that the payment has been made on time. Over the next few weeks, I continued to receive collection calls, even though Id taken copies of my full bank statement to the XXXX store as instructed, faxed Carmax XXXX XXXX these documents and screenshots of the payment screen provided by the Business Office at the XXXX store as instructed, and spoken with numerous Carmax XXXX XXXX associates along the way on everything that had transpired. Since XXXX of this year, I have been dealing with this horrible ordeal and JUST received resolution today, XX/XX/XXXX. As a result of Carmaxs mishandling of my information, failure to follow appropriate processes for troubleshooting and remediating the error, and system glitches at the XXXX store, my credit score has dropped XXXX  points. After receiving proof of payment documentation, Carmax XXXX XXXX STILL managed to report a delinquent payment history to the credit bureaus. Soon after, I received notification of a flag on my credit report and immediately contacted Carmax XXXX XXXX to beg them to fix the issue to avoid any further negative reporting. That was not done. Carmax issued a refund for my XX/XX/XXXX payment in late XXXX and informed me that as soon as I made the payment again, the funds would immediately be applied to my account and the payment would be backdated to the date I made the payment at the XXXX store, XX/XX/XXXX. That also did not happen. I found out, just last week, that Carmax XXXX XXXX had also failed to backdate the payment to XXXX with their internal Accounting team, thereby triggering the automated system to send a negative report to the credit bureaus that my account was delinquent and past due, thereby causing my score to drop by XXXX  points.
Complaint sub-issue: Card was charged for something you did not purchase with the card

On or about XX/XX/2019 I lost my Discover Credit card. Someone found it and made charges using it on XX/XX/XXXX & XXXX XXXX. There were 9 charges totaling {$980.00}. I immediately filed a fraud report with Discover. They " investigated '' and denied my fraud claim. I appealed and they sent to me a fraud affidavit that I filled out and signed. We have been going back and forth on this since XXXX. The charges were not made by me or anyone with my knowledge or permission. I wrote to Discover and informed them that these charges will not be paid and that I am filing my complaint with the CFPB. Their response was basically " so what ''. I refuse to pay for charges that do not belong to me, yet I have good credit and want to keep it. Can you please help me with this matter?. Thank you.
Complaint sub-issue: Other problem getting your report or credit score

I found out my information was part of the 2017 Equifax data breach. On XX/XX/19 I applied for a auto loan however, they were unable to pull my credit from equifax as my account was frozen. This was the first time finding out that my credit file was frozen. 

When I called equifax to remove the freeze they were unable to verify my identify over the phone and advised me to fax my social security card and drivers licence for verification. 

On XX/XX/19 I faxed my two forms of identification. On XX/XX/19 I called to complete the process after waiting 7 business days. The agent said my documentation was verified and assisted me in making an online account. I was able to make an online account but I could not access my credit score or report. 

On XX/XX/19 I called regarding the ongoing issues. The agent tried to investigate my file but was unable to verify my identity as there were no documents loaded to my file. The agent advised me to resend my identification for further verification. 

Having said that, my wife received a letter in the mail from equifax requesting additional documentation to verify her identity. We immediately noticed this was sent in error as my wife has not disputed anything on her credit file. We addressed this with the agent who looked into my wife 's file and in fact found MY drivers licence and social security details loaded to her file.The agent told me that the information sent on XX/XX/19 was in fact received. 

I have found this extremely incompetent and very alarming. How can you upload my information to someone else 's credit file? The only consolation was that the information was uploaded to my wife 's file and not a stranger. However, how could they have got this so wrong? 

I called back XX/XX/19 and an agent located in the USA advised me that my file was no longer frozen and my credit score was active. He could not disclose the score over the phone but told me that the freeze was permanently removed and I'll no longer experience issues trying to obtain credit. 

I told him i was still unable to access my credit score or file online. He submitted a claim to have the myequifax online account corrected. I received an email on XX/XX/19 that the issue was resolved. 

On XX/XX/19 I attempted to apply for a auto loan and my application was denied to due to problems with my equifax file. I could not believe this was happening again and was extremely embarrassed and frustrated with this whole ordeal. I know there is nothing wrong with my credit because I was able to obtain credit with another bank who use XXXX. 

I can not stress how important this is to me and how painful the service I have received has been. I am unable to obtain credit from most established banks as most people use Equifax. I am at boiling point because no one in equifax can solve the problem. The agents are extremely arrogant and rush you off the phone without resolving the real problem. I have missed out on great promotional interest rates due to equifax not being to fix the problem and still unable to access my credit file or score.
Complaint sub-issue: Information belongs to someone else

please investigate these accounts they are not mines and never late on my credit please help i have no one to help XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$1900.00}, Payment : {$0.00}, Issue : Identity Theft XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : Collection/Chargeoff XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : Identity Theft XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Date : {$0.00}, Issue : Identity Theft XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : I have never been late XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : I have never been late
Complaint sub-issue: Information belongs to someone else

Found out someone either hacked my email and phone was opening accounts in my name using my personal Information which mustve been stolen and reported to bureaus and put a fraud lock. Also filed report with FTC. I then reported to each company thats was involved XXXX XXXX, XXXX, US BANK AND XXXX XXXX and told them about fraudulent accounts in my name with them. Some were closed but are still reporting and some where not closed and are still reporting hurting my report with missed payments on an account that was opened fraudulently.
Complaint sub-issue: Their investigation did not fix an error on your report

A couple of months ago. I contacted XXXX XXXX  XXXX company and I paid the bill in full for my XXXX XXXX XXXX XXXX Account. I have contacted Equifax 2 times and they have stated that the information is valid and that the account has been unpaid and they continue to document this inaccurate information. I have sent documentation of the status of the account being paid off. Please help me fix getting this removed.
Complaint sub-issue: Frequent or repeated calls

I am redoing my complaint because the company is referencing incorrect dates on complaint : XXXX which was closed after companys response. 

Here is my original complaint : Received letter XX/XX/XXXX sent letter and they received debt validation letter XX/XX/XXXX. They contacted me XX/XX/XXXX at XXXX requesting payment. They are supposed to stop collecting until they send the debt validation. They reached out to me and family members. I called at XXXX XXXX and they would not let me speak kept talking over me I told them I would verify my personal information and they kept asking me is this for the XXXX XXXX account. I gave him my name my birthdate and asked him what else he wanted and he kept asking me if this was the XXXX XXXX account. 

This company is saying that they received my account on XX/XX/XXXX when per the attached they clearly sent me a letter on XX/XX/XXXX. They contacted me after receiving my letter. They received my letter on XX/XX/XXXX per the USPS tracking, screenshot attached as well, and they did not pick it up until XX/XX/XXXX at XXXX XXXX It is not my problem if they choose to pick up their parcels a week after they receive it. So the controller is claiming that they received my letter XX/XX/XXXX which would have been after the 30 days but they got it on XX/XX/XXXX again per USPS tracking info. On top of that they are stating that they sent me an itemized letter with the original letter. Per attachment they did not. THEY VIOLATED MY RIGHTS AS A CONSUMER PER THE FDCPA!!!! They should not just be able to do that.
Complaint sub-issue: Trouble with how payments are being handled

On XX/XX/2020, I informed Discover that I would not be able to make my student loan payments due to being without an income as the grace period ended. I did complete two payments but was laid off shortly after and informed them right away. 

I was told that I needed to call a number to report my request to defer payments. I replied promptly that I am XXXX and unable to verbally communicate. I was not offered an alternative accommodation to request this. This has continued for months. They have no reported this on my credit report and put me under default.
Complaint sub-issue: You never received your bill or did not know a payment was due

Last year, I received notice that my Costco Anywhere Visa Card account was to be closed because I no longer had a Costco membership, even though I did. I tried in XXXX to notify them of my membership status. In XXXX, my account was closed. I contacted Citibank, who told me to contact Costco. I went to Costco, who told me to contact Citibank, though they called Citibank for me, at which time I explained the issue. Citibank told me over the phone they would reopen my account and send a new card to me. After two weeks, I tried contacting Citibank again, via live chat on the Citibank website, as I could no longer sign in. I was told that I would not be getting a new card and my account would remain closed. I stated that I could not access my account to pay off the balance. I said I had not received a statement since my account was closed. I had been signed up for paperless statements. He told me that I had been receiving paper statements, giving me a date of the last statement sent, although I hadnt received it. To date, I have yet to receive a paper statement and a means to pay off my balance, though Citibank has been collecting interest since XXXX on my account, with no way for me to see the charges or pay the balance off. I do get an email notification each month when the automatic payment is made, along with a link to pay a different amount on my balance. That link takes me to the sign in page, of which I can no longer sign into, as I no longer have an open account. Citibank owes me for the interest/finance charges accrued since my account was closed. 

Last week, after subsequent emails and a phone call to a customer service rep who could understand my complaint, paper statements were delivered. After I added up the interest accrued from XXXX through XXXX, I wrote to say I would pay-off the balance by the due date of XX/XX/XXXX, if they would refund the interest they have been collecting since they took away my ability to follow the balance, payments and interest when they closed my online access. They have yet to respond. They do not want the account paid, they want to keep collecting interest.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXXXXXX XXXX XXXX XXXX  AGENCY : XXXX XXXX / XXXX BUSINESS TYPE : BANK CREDIT CARD DATE OF INQUIRIY : XX/XX/XXXX, XXXX XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX is constantly reporting an account from a pay day lender by the name of XXXX XXXX XXXX, that I never opened, nor never applied for. It has been removed from my credit report 2 previous times. The first time it was removed from my XXXX report. The second time it was removed from my XXXX report. It is now being reported on my XXXX report and should be removed immediately as a fraudulent account, from information most likely obtained through and XXXX data breach earlier this year.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX, Equifax and XXXX, has violated my consumer 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 states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Complaint sub-issue: Their investigation did not fix an error on your report

Whenever you file a claim it seems as if nothing gets resolved because instead of helping the consumers, it seems that the companies just give whatever kind of answer they want and the case is closed in which it should not be. I have filed several complaints against credit agencies and the answer does n't resolve anything or has nothing to do with the compalint and yet my complaint is closed without addressing the issues or violations that the credit bureaus have violated. I have disputed my information on my credit report either by mail or on the phone and have requested method of verification in writing as to how this information was verified and any documentation associated pertaining to the accounts in disputes. I have also tried to dispute inquiries on my credit report and have had no success in trying to get this information deleted as these inquires were not initiated by me or said companies did not have my permission to pull my credit.. I have disputed public records and I have asked how this information was verified and validated and was told that the courts send this information over to them. This information is not correct as the courts have said they do not give out any information on anyone and the information the credit bureaus are telling is incorrect. I have tried repeatedly to get this information resolved and yet the credit reporting agencies are not doing through investigations and in relation to disputes but rather using an electronic methods to receive and validate information rather than physical documents or a real investigation to limit the damage to one 's credit reports. The representatives from the credit agencies state that they receive public records by using your name and social security number and that 's how they verify the disputes in regards to public records. Anyone can access public records and that does n't mean the information is correct or there are n't errors in the information that is contained in the records. They are not doing their job in verifying and validating information contained in my credit report but rather damage it in regards to negative information that they refuse to investigate or remove. These credit reporting agencies have no way for you to dispute inquiries that you did not authorize or recognize but yet they report this as accurate information and it remains on there for two years.
Complaint sub-issue: Their investigation did not fix an error on your report

I was informed that a Bankruptcy public record information was placed on my credit file. so I contacted the courts via US mail to verify that they had updated my credit report with this information the clerks response was that the courts DO NOT verify individuals case information and that third party companies also know as furnishers research consumers information and sells it to credit reporting data companies such as XXXX whom then supplies it to XXXX, Equifax, XXXX. Also I contacted PACER ( Public Access to Court Electronic Records. The credit Bureaus investigated and stated that the courts verified information. This is not true and it needs to be removed from my credit file I never gave anyone written permission to place any of this information on my credit and according to the FAIR CREDIT ACT statutes and regulations it must be removed immediately from my credit Report