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

On  XXXX   XXXX , I wrote to  XXXX   XXXX   ( with a copy to Equifax ) a  second time to have them report my loan information to Equifax. They have been reporting to both  XXXX  and  XXXX . This is positive information which would help to increase my Equifax score if it were to be reported.     Neither  XXXX  nor Equifax ever responded to my dispute and now four months later, the problem still exists. I am shortly applying for a large commercial loan and my terms will be negatively impacted if my Equifax score remains significantly below my  XXXX  scores from  XXXX  and  XXXX .
Complaint sub-issue: Account information incorrect

i have sent several letters over several months that all 3 credit bureaus have been reporting incorrect information. in addition, i have asked them all for supporting documentation that asks how these accounts were verified and whom they spoke with. i also have asked them to show supporting documentation that proves that i have a binding agreement with these account holders and they have failed to do so. i believe that they do not want to delete these accounts because they will lose money.
Complaint sub-issue: Other problem getting your report or credit score

I applied for a mortgage through indigo mortgage and was supplied a pre approval letter. While going through the home loan process and two weeks before closing Equifax has no credit information on me and is reporting as fraud. I have called Equifax several times to resolve and have heard nothing. They say they dont know why its not reporting. This is causing me to possibly lose the house I was buying. Buyer has granted me an extension for 10 days to get this resolved.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I XXXX XXXX was looking at my credit report and saw that I had some inquiries that wasn't mines. I didn't give these companies permission to run my credit. I am a victim of identity theft please delete these accounts. XXXX XXXXXXXX XXXX XXXXl inquiry date of XXXX, XXXX XXXX  inquiry date of XXXX, XXXX XXXX inquiry date of XXXX, XXXX XXXX inquiry date of XXXX, XXXX XXXX inquiry date of XXXX, XXXX  XXXX XXXX XXXX inquire date of XXXX, XXXX XXXX XXXX XXXX XXXX of XXXX, XXXX XXXX XXXX XXXX inquiry date of XXXX, XXXX XXXX XXXX XXXX inquire date of XXXX, XXXX XXXX inquire date of XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX inquire date XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquire date XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquire date XXXX XXXX XXXX XXXX XXXX inquire date of XXXX, XXXX XXXX  inquire day of XXXX.
Complaint sub-issue: Trouble with how payments are handled

My wife and I both have Student Loans serviced by Fedloan Servicing ( XXXX, PA XXXX ) under the Public Service Loan Forgiveness ( PSLF ) program. We resubmitted our " Revised Pay As You Earn '' income-driven repayment plan. Fedloan Servicing made errors recalculating this payment resulting in our family being billed for a total of $ XXXX/month rather than the $ XXXX/month which it should be. We have been trying to get it fixed since XX/XX/2016. We have been making the higher payments to ensure our monthly payments keep us eligible for the PSLF. Today we spoke with XXXX, ID # XXXX, and she informed us that there was human error in our payments and we have been making payments higher than required since last summer. She said she is currently working on fixing our payment for next month. We asked her if the over-payments we have made can be refunded or applied to future payments. She stated this is not possible and if there is an issue with our payments we should have not payed our monthly bill. This seems outrageous to me since one of the rules for the PSLF program is to make your payments on time.
Complaint sub-issue: Information belongs to someone else

DSNB MACYS XX/XX/XXXX {$1800.00} XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX   XX/XX/XXXX {$2300.00} XXXX XXXX  XXXX XXXX  XX/XX/XXXX {$1600.00}
Complaint sub-issue: Reinserted previously deleted info

please have equifax delete this XXXX XXXX XXXX enclosed is a letter from the lender to delete the trade line
Complaint sub-issue: Their investigation did not fix an error on your report

They are reporting 6 merchants credit accounts in collections, these medical collection accounts have been removed from XXXX and equifax because they were unverifiable but some how equifax was able to verify them, how? They are reporting incorrect information and they refuse to remove it. This is now my third time disputing it.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX  reports 3 different dates under date of last activity even after their verification, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, Equifax XX/XX/XXXX.How is this account accurate when date of last activity shows 3 different dates? which is years apart from each other? 

I notified that I have never made payments for all the months of the year XXXX and I have have requested for the documentation that prove that my last payment was made on XX/XX/XXXX. But you have never furnished any bank records and transaction documentation due to the fact that you are required to have this documentation to determine accuracy of your report. 

You are in violation of FCRA by continuing to report this inaccurate and erroneous account on my credit report. Remove this account for failure to perform proper investigation.
Complaint sub-issue: Can't use card to make purchases

Thank you for reviewing my complaint.     Today, I attempted to make a {$40.00} purchase with m y Citi Simplicity c redit card. Before doing so, I checked my account onlin e. Citi 's  website advised me I had {$180.00} of available funds, as shown in one of the attached screenshots  ( " Citibank Available Credit Display '' ).   <P/> Citi 's website also presented a screen informing me that my account payment was past due ( see the screenshot "  Citibank  Account  Past Due Display '' ). Citi re quested a {$40.00} payment. ( It is coincidence that both my intended purchase and Citi 's requested payment were {$40.00}. ) Strangely, though, the website advised me that the payment would be due   XXXX   XXXX   -- nearly a month from today.  <P/> Critically, neither the past-due page nor the account information page made any indication that I would need to pay the past-due amount in order to access my {$180.00} of available credit. However, when I attempted to make my {$40.00} purchase, my card was declined. I called Citi. A representative explained that, because my account was past-due, I would need to make a payment before accessing my available credit. The representative said that my past-due amount was, in fact, {$20.00}, with the additional {$20.00} due   XXXX   XXXX    <P/> I have two specific complaints : First, and more importantly, if Citi reports to a client that he or she has a certain amount of credit available, the bank should not simultaneously block the client from accessing that credit. To report a certain amount of available credit but block access for reasons other than suspected fraud is misleading and could leave clients without access to funds they reasonably expected they could use. At the very least,  Citi  should make abundantly clear, up front, that it will deny access to available credit until a required payment has been received.  <P/> Second, Citibank should make clear exactly how much payment is required to satisfy a past-due balance. A reasonable reading of my account information page suggests I owe {$40.00} on   XXXX   XXXX  , with no indication of how much, if any, is actually past due. This engenders confusion : I might either conclude no amount was actually due already, given the listed   XXXX   XXXX   due date, or I might mistakenly believe I am {$40.00} past due ( in fact, my overdue payment was {$20.00} ) and thus pay more than necessary. Were the listed due payment much greater, I might needlessly put myself in financial hardship to pay what wrongly appears to be a past-due amount.  <P/> Thank you again for reviewing this complaint. I appreciate your consideration.
Complaint sub-issue: Account information incorrect

XXXX/XXXX XXXX**** Balance : {$0.00} EOS CCA ( Original Creditor : XXXX XXXX ) XXXX**** Balance : {$920.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Complaint sub-issue: Right to dispute notice not received

I just signed up for XXXX and XXXX monitoring. On my MyFico XXXX report I just pulled, dated XX/XX/2016, which I have attached to this complaint, this account is listed as:XXXX. Reviewing my XXXX report, it matches to Americollect out of XXXX, WI. This account is listed on my XXXX credit report. 

I never received a letter in the mail that I was responsible for this debt. If I had received one, I would have paid it so it would have not appeared on my credit report. 

Please remove this account from my XXXX credit report due to the fact that I never received a letter allowing me to dispute the validity of the debt.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed an Account on all 3 of my credit reports : XXXX XXXX XXXX Filed XX/XX/XXXX Charge off Last Updated XX/XX/XXXX XXXX - Disputed XX/XX/XXXX - Reporting at the time {$15000.00} XXXX - Disputed XX/XX/XXXX - Reporting at the time {$15000.00} Equifax - Disputed XX/XX/XXXX- Reporting at the time {$15000.00} I requested that they validate this information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from their credit file. All three Credit Bureaus replied with a letter stating " Verified ''. No Documentation was provided as requested in the letter. <P/>As a result of the Disputes I sent on XX/XX/XXXX to the Credit Bureaus, XXXX XXXX XXXX has chosen to be really spiteful by increasing my Balance with the Credit Bureaus to affect my credit report. Which has been done as my scores have dropped tremendously. <P/>XX/XX/XXXX - XXXX XXXX XXXX Increased from {$15000.00} to {$15000.00} XX/XX/XXXX- XXXX XXXX XXXX Listed a New account name " XXXX XXXX '' XX/XX/XXXX -XXXX XXXX XXXX Increased the Balance from {$15000.00} to {$15000.00} XX/XX/XXXX XXXX XXXX XXXX Increased the Balance from {$15000.00} to {$15000.00} All of these changes due to me disputing an account that they will not provide the documentation as requested. The Credit Bureaus did not complete a thorough investigation as they are supposed to and the account needs to be removed from all three Credit Bureaus.
Complaint sub-issue: Company closed your account

On XX/XX/XXXX my account was closed for no reason. I called the bank to see what happened and I was put in touch with authentication department. I told them that all purchases are valid and for personal consumption of supplies. They told me that I had excessive spending with a merchant. I told them I did no such thing and never bought anything other than merchandise. No gift cards or anything nefarious. I told them that I never spent more than XXXX percent of my credit line in any given weeks. 

There is no way this can be construed as excessive spending. This is ridiculous. The supervisor didnt care and still closed the account Us bank confiscated over {$300.00} of cash back points I had earned. I would like a statement credit for this confiscation and a restatement of my account which I have only used legitimately and honestly
Complaint sub-issue: Old information reappears or never goes away

Equifax seems to have mingled my information with someone else 's or could be another problem. There was an item on my report that I have disputed but I can not sign in to check on the status for the last five months. Everytime I try to sign on to Equifax online they say the info does not match their records even though I know it is correct. I can see through XXXX XXXX   that they are still saying I have an account in collection even though I do not. I disputed over the phone but can not get a live person to help check the status of the dispute and I can not see my information on the Equifax site because it will not let me sign in. I did tell them three times, once in XX/XX/XXXX, once in XX/XX/XXXX and once in XX/XX/XXXX that the site was not letting me sign in and either blocking me altogether or asking about laons I have never had but never actually letting me in. They have promised to send something in the mail and I have still not received anything and they still have an item as in collection although I have none. I can't reach anyone to help or follow up and they keep sending me in circles while my credit score suffers. This has been goin on since XX/XX/XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I received a credit card from Home Depot and called Home Depot and informed them that I didnt not apply for a card from them. The representative said that they would closed the acct. When I received my free annual credit account, I noticed that an hard inquiry that I did not authorize on my credit account from XXXX  XXXX. I called XXXX XXXX and informed them of the unauthorized inquiry. They informed me that they did not approve the card. I will be completing a police report today. I called each of the credit bureaus and requested an alert and freeze be placed on my accounts. The hard copies were placed on XX/XX/2019 and I received the Home Depot card on XX/XX/2019.
Complaint sub-issue: Reporting company used your report improperly

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 
I am attaching proof of my certified and notarized letter sent to EQUIFAX informing them of my rights and the federal laws they are violating. A notarized letter is a legal document and I intend to take further legal action if my issue is not resolved. 
I also attached a copy of the law so there is no confusion to the Consumer Reporting Agency of the laws they are violating. As a consumer, EQUIFAX may only furnish a report with my written consent. I did not give permission to EQUIFAX and no consent is IDENTITY THEFT. 

Under 15 U.S 1681b- Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Meaning, the account I referenced in my notarized letter must be deleted immediately as they are currently violating my federally protected rights as a consumer. 

I have repeatedly tried to resolve this issue and have contacted EQUIFAX to have this account removed, however they have continued to violate my rights as a consumer, inflict XXXX XXXX ; while ruining my reputation, and character. If this account is not deleted I will send EQUIFAX an invoice of their violations and expect to receive monetary compensation as well.
Complaint sub-issue: Debt was paid

IC System Inc XXXX has two collections reporting on my credit, each is for the identical amount of {$180.00}, reference number XXXX, they said they received this information from XXXX XXXX XXXX XXXX XXXX in realation to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date of service they report are XX/XX/2017 and XX/XX/2017, I have contacted both providers and confirmed that I don't owe them any money, IC systmem told me to contact XXXX XXXX which I did with a conference call joined by IC systmem, they said I have to provide proof these are paid and I don't have proof because the bills were paid as I received them, I asked them to call the providers to confirm that I don't owe them money and they insist I have to provide proof which again I dont have other than the fact that I don't owe these providers any money. This is causing my credit score to suffer and I'm trying to purchase a home, seems unfair that they say I have to pay this if I can't provide proof yet they will not contact the providers to confirm I don't owe money
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX, I, XXXX XXXX, an consumer, sent Equifax certified mail via XXXX. However, According to my consumer report that I received dated XX/XX/XXXX and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX BANK such authority. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted First Progress Remittances, XXXX XXXX BANK XXXX, XXXX BANK and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : XXXX. XXXX XXXX XXXX Account # XXXX XX/XX/XXXX of listed late payment XXXX. XXXX XXXX BANK XXXX, Account # XXXX XX/XX/XXXX of listed payment XXXX. XXXX BANK, Account # XXXX XX/XX/XXXX of listed late Any information listed on my consumer report must be verified. I am due for a thorough and proper investigation. Please send me any information regarding my request and an updated consumer report showing that the above-mentioned demands have been met. As a gentle reminder, this is my first and final attempt at peaceful civil mediation. 

Kind Regards XXXX : XXXX Without Prejudice, All Natural Inalienable Rights Reserved.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # 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 Collection company unknown Account : XXXX {$150.00} XX/XX/XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX CARD - XX/XX/XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX Bank XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA Federal XX/XX/XXXX XXXX CARD - XX/XX/XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

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 XXXX5 USC 1681. 

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, 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.
Complaint sub-issue: Trouble with how payments are being handled

Firstmark Services has the allocation of payments to be as follows : fees first, interest second and principal third. I payed {$50.00} over my minimum payment and firstmark did not put that {$50.00} towards my principle they put it towards my next minimum payment. I have reached out to them twice with absolutely no response. Firstmark is not honoring their agreement on how payments will allocated.
Complaint sub-issue: Attempted to collect wrong amount

This complaint is in reference to XXXX XXXX XXXX XXXX, and the company they represent, Educational Credit Management Corporation. On XX/XX/2020 I pulled a copy of my credit report to find that there is an additional balance for the same account yet only one balance listed on the statement I received in the mail. I also noticed that the account has an opening date listed with XXXX  and XXXX  but missing an opening date for XXXX  and showing the account as closed. I contacted the debt collectors ( XXXX XXXX XXXX XXXX ) and requested proof of validation on the account. I also asked that all collection efforts cease and desist. In return I received a copy of an itemized list of the same information that I disputed and a copy of a promissory note from Educational Credit Management Corporation. In review of the itemized list I noticed that there was a difference in the total balance and interest balance listed. On the statement dated XX/XX/2020 XXXX part of the list showed the interest balance as {$580.00} and the other part of the statement showed the interest balance as {$700.00}. The statement also showed one part of the total balance as {$8100.00} and the other part as {$8300.00}. I then contacted XXXX XXXX XXXX XXXX requesting more proof of validation and I did not receive a response within the 30-day validation period. I made a final attempt at obtaining sufficient proof of validation on the account but was unsuccessful. I also requested that the inaccurate, misleading, invalidated account is removed but received no response to that request as well.
Complaint sub-issue: Trouble getting information about the card

The IRS signed me up for debit card with no customer service option. There is no agreement for fee terms by me but I am forced to accept as there are no menu options to refused and request a check. IRS site also has no options. The call number is XXXX with Money Network Financial LLC. I called three times to make and attempt to find customer service as mentioned in their acceptance of terms. 

There are hidden terms on cashing money and I do not want this card. There is no option to cancel or refuse the card. 

I'm complaining to my congressman next. 

Forcing commercial terms and fees on taxpayers to receive a government stimulus is ridiculous.
Complaint sub-issue: Personal information incorrect

Sending several times of multiple letters, unverified inquiries listed below are still reported on my credit report in violation of federal law. The Credit Bureau failed to comply with the FCRA and there are no actions or responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the inquiries which are still showing on my report. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX