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

I have sent several letters to XXXX, XXXX  and Equifax to resolve this matter. They continue to report inaccurate address, and misreporting information on my credit report. The accounts continue to report inaccuracies and they are not responding to my disputes
Complaint sub-issue: Problem during payment process

On XX/XX/20 I mailed my payment to Citibank - The Home Depot Rewards Mastercard - which was due on XX/XX/20 using the statement payment stub and envelope provided. It wasn't posted until XX/XX/20 and I incurred a late fee of {$25.00}. I called Citibank MasterCard to question the delay ; however, I was unable to reach them and was transferred to what appears to be a Debt Collector. They could not find my account and kept asking for the reference # on my letter, which I do not have. My concern is that this is not the first time my payment was posted after the due date and I've been charged a late fee. While I realize it could be the USPS ; I believe the delay is at Citibank. It's frustrating as I can not pay online because my account is closed, I can not call anyone for assistance, and if I mail the payment I'm at the mercy of the USPS and the Citibank payment center.
Complaint sub-issue: Account information incorrect

As I was attempting to review my credit report. I noticed there was a account that shows as a charge off account that has been delinquent since XX/XX/2016, I was uncertain what this meant or what it was for. I proceeded to reach out to the company ( SEARS ) handling this account, after many hours of wait time I finally contacted the agency handling this account. However agency was unable to provide any information connecting me to this account, they could not discuss anything over the phone but did mention they can take a payment without verification as if this truly was my account. I asked for additional information mailed to be mailed out to me so I could know what this amount was for or if it even was mine! I have yet to receive any documents and this has been affecting my credit negatively for many years and I still can not receive a resolution on this matter.
Complaint sub-issue: Account information incorrect

Equifax, XXXX, and XXXX is inaccurately reporting data on my credit report that does not belong to me. I am a victim of identity thief and these companies has been advised with a copy of the ftc report along with a police report. 

XXXX XXXX XXXX shows a past due balance of XXXX XXXX shows a past due balance of XXXX XXXX XXXX   XXXX shows a balance of XXXX Per FCRA accounts that has been charged off should not report with a past due balance. This is inaccurate reporting
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I went into the dealership XXXX XXXX in XXXX XXXX Michigan to purchase a vehicle on XX/XX/2019. I already had pre-approved financing. I told that to my sells person I advised him in the beginning that i only wanted my credit ran through the bank that had approved me. At that point thats all that was done. Well come XXXX XXXX I get hits through my credit bureaus that my credit had been ran through 5-6 creditors while Im sitting home heading up to the dealership to pick up my vehicle and i never gave permission for my credit to be ran. Then come to find out they ran my credit as a co-signer to someone I dont even know. Ive called several times and it still hasnt been resolved and its still on my credit report till this day. They even ran my name with the finance company who had already approved me twice now its showing 2 inquiries for the same company
Complaint sub-issue: Their investigation did not fix an error on your report

Once I let  XXXX   XXXX   XXXX  go because it did not get resolved I took over  resolving  my credit issues and reading up on FCRA and Privacy Laws. On  XXXX   XXXX ,  2017 , I disputed my bankruptcy that is being reported on my Equifa x Credit File and  it came back verified immediately, but they did not supply any information that I requested in the letter. I resubmitted another letter on  XXXX   XXXX ,  2017 , this time I submitted a letter from th e U.S. Bank ruptcy court along with my original letter plus an additional letter stating they do not report to credit bureaus. I sent a certified letter which they received on  XXXX   XXXX ,  2017  stating the FCRA regulation for Section   623 ( a ) ( 5 ) -- stated below.
Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.
( 1 ) The information was not verified be  cause of the letter I received from the bankruptcy court on  XXXX   XXXX .  ( 2 ) I submit ted a Security Freeze on my  XXXX  Consumer File Case No.  XXXX  that was confirmed on  XXXX   XXXX ,    2017  by mail. I have not lifted that Security Freeze so therefore it was not verified.     When I spoke with the representative at Equifax they informed me everything was verified and accurate on both  Bankrupties Chapter   XXXX  that was dismissed and Chapter  XXXX  that wa s discharged and the Lien. I do n't understand how they were verified when noone at the courts verified a nd there is a Security Freeze in place.     I have attached all documentation showing such information.
Complaint sub-issue: Debt was result of identity theft

This is a complaint against AMEX/DSNB. I have been a victim of identity theft for XXXX years and my Equifax credit report shows an open account without my permission, without my authorization but this is not the worst thing is that it was opened without my authorizacion is not mine, so what is this abuse and lack of respect, the bad work that your department does to report to an agency a fraudulent account in my credit report.
Complaint sub-issue: Information belongs to someone else

fdcpa letter and ftc report attached
Complaint sub-issue: Card was charged for something you did not purchase with the card

In XX/XX/2019 Discover Card alerted me to fraudulent activity on my card, closed the card, and sent me a new card. 

A service company that I was using at that time had their charge for {$95.00} denied because of the closed card. I updated my payment with the service company providing them a different Credit Card for payment. 

A few weeks later in XX/XX/2019 I cancelled my service with that service company, following the service company 's cancellation policy to call in and speak with a sales person. I did that and was told my service had been cancelled. 

Unfortunately that company proved to be dishonest and sent their people to my home which I refused explaining that I had cancelled service. In XX/XX/2019 I placed a second call and once again was transferred to a sales person who once again assured me that my service was cancelled. 

The company continued to send people to my home and I refused them each time and threatened to sue them for fraud and harassment if they did not stop. 

Over six ( 6 ) months after the original Discover Card account was closed, Discover Card allowed two separate charges by the service company to be approved and show up on my new account, which I never provided to the service company. I contacted Discover Card and disputed the charges. The service company only responded to one of the disputes claiming that we had a contract and Discover Card refused to reverse the charge. 

I spoke with three ( 3 ) different people all of whom refused to credit back the charge stating it was a recurring charge which I disputed. I submitted proof to Discover Card after they declined the charge from the service company in XX/XX/2019 that I provided the service company a different Credit Card for payment. 

Discover Card still refused to remove the charge from my account. I asked them how many times they denied charges to that account from the service provider from XX/XX/2019 through XX/XX/2019 and they refused to provide that information. 

After more than 15 years of being a loyal customer, paying off my balance every month, and never missing a payment, I closed my account with Discover Card and refuse to pay for the fraudulent charge. Discover Card has applied late payment fees to my closed account for the fraudulent charge that they allowed and is submitting non-payment notices to the Credit Bureaus attempting to harm my 800+ credit rating.
Complaint sub-issue: Investigation took more than 30 days

Equifax, XXXX and XXXX has received my 30 day to comply and still has not given me the results of the investigation which is against the law. Multiple items have been verified by the companies that I do not have an account with them.
Complaint sub-issue: Account status incorrect

In XX/XX/2022, I found out my current account was closed due to non-usage and spoke with the credit card company and was advised of the new policy of the card account 's new procedures and was advised the account was going to be reinstated. Since XXXX the account has not been reported to the three bureaus as open/never late and I was advised the credit card company would do so. It is now XXXX and the credit card company has not done so I also asked the three credit bureaus about the account status and that I have a current balance and would be advised of the update. The credit bureaus are saying that the account is still closed when as of today I have a current balance.
Complaint sub-issue: Reporting company used your report improperly

transaction was reported on my credit report that violated my consumer rights. 

15 U.S.C 1681b ( 604 ) - ( A ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) .In accordance with the written consent of the consumer to whom it relates. 
I never gave Equifa written consent to furnish any inquries on my credit report they are in violation of the FCRA.Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Complaint sub-issue: Deposits and withdrawals

Had to dispute a charge on my bank account for Key Bank and they said they sent me XXXX letter for the dispute. I never received it so now they overdrafted my account and put me in the red. Now they wont reverse the charge which they screwed up. I moved and the letter never arrived so I would like this reversed and an apology from the bank
Complaint sub-issue: Threatened to sue you for very old debt

Attorney XXXX XXXX XXXX filed a lawsuit and obtained a judgment against me, and is requesting a garnishment on my pay for a debt that is past the statute of limitations. 

The loan date was XXXX, in the state of Tennessee statute of limitations is 6 years, I was served in XXXX XXXX which is exceeds the statute of limitations by almost 1 year ; with a court date that was past the statute. XXXX XXXX XXXX on the date of court and was unable to attend to argue my case, and now they have a judgment out for it. 

When I spoke with the representative with the attorney office and she stated the date of loan being XXXX I expressed this was all done after the statute of limitations and she stated oh well you can dispute it but the judge approved the judgment.
Complaint sub-issue: Investigation took more than 30 days

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECIEVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECIEVE ANY RESPONSE.
Complaint sub-issue: Charged too much interest

Citibank charge {$23.00} on {$700.00} dollars for 30 days XX/XX/2022 and that is not the 13 % / 12 months. 
Further I do not agree to compound interest.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Report Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX XXXX  Account number : XXXX, Account Name : XXXXXXXX XXXX XXXX  Account number : XXXX Account Name : XXXX, Account number : XXXX, Account Name : XXXX XXXXXXXX XXXX XXXX Account number : 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 an 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 items of information, other than records of convictions of crimes which antedates the report by more than seven year.

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. urate.
Complaint sub-issue: Debt was result of identity theft

I sent dispute letter to Americollect to dispute the collection on my credit report.. I request proof of debt.. I also sent FTC, XXXX REPORT AND POLICE REPORT STATING THAT IT FRAUDULEN INFORMATION THEY ARE REPORTING ON MY BEHALF. Americollect did not respond to the letter. I am sending XXXX REPORT AND POLICE REPORT
Complaint sub-issue: Threatened or suggested your credit would be damaged

turned over to my credit report to XXXX XXXX  2000 judgement called Jefferson capital systems and its not my account
Complaint sub-issue: Account status incorrect

An account in my credit is showing late, this account has never been late, this inacurate reporting has affected my ability to get funding and has made me pay higher interes. 
Please remove this late in my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I am writing because I found some information that is inaccurate on my credit report. You are reporting a 90 days past due on XX/XX/2021 on the Nelnet Loan Services, Incorporated account ( s ). This is not true, I was not 90 days late on XX/XX/2021. Just 30 days prior, on XX/XX/2021, the account ( s ) were reporting as OK.
Complaint sub-issue: Personal information

Equifax is reporting a recent address change XXXX XXXX XXXX, XXXX, GA. I never lived in Georgia and now I 'm worried that someone may be using my personal information.
Complaint sub-issue: Trouble closing card

Reliacard, US Bank Corp, {$13000.00} balance. Account was closed effective XX/XX/2022. Reason given in letter XX/XX/2022 : I did not respond to letter ( I did NOT receive ) saying I had to use their web site photo verification ID process ( I did later, but was evidently late ). Numerous calls have been made to bank customer service and Oregon Unemployment, issuer. Customer service says Oregon must request the funds but gives no more specifics : how, to whom, what format. Their representative states, THERE IS NO TIME TABLE FOR RETURN OF FUNDS. And, Oregon says they can not request my funds ( accordingly, they have no mechanism to do so ). I.e, each passes the $ buck $ to the other, rinse-repeat. I have not made a withdrawal since XX/XX/2022, primarily because ReliaCard has a complicated scheme to limit amounts, number of withdrawals per time period, time of day withdrawal postings, specific geographic locations of ATMs, branches available for my account. I would prefer termination all dealing with Reliacard, return of funds either as a check, or better yet, wire to XXXX or XXXX account.
Complaint sub-issue: Information belongs to someone else

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT WERE NOT MINE AND ACCOUNTS THAT WERE NEVER LATE PLEASE REFER TO THE ATTACHED ID THEFT POLICE REPORT AND DELETE THE BELOW ACCOUNTS UNDER ACCOUNTS TO BE DELETED. 
I ALSO NEED THE SINGLE ACCOUNT LISTED TO HAVE THE LATE PAYMENT HISTORY AMENDED TO NEVER LATE I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS. 

I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX, BUT TO DATE I HAVE NOT RECEIVED AN INVESTIGATIVE RESULTS REPORT. ALL THE GIVEN DISPUTE LETTERS ARE IN VIOLATION OF THE FCRA DEADLINE DATES TO RESPOND TO A DISPUTE AS OUTLINED UNDER THE FCRA. YOUR FIRM COMMITTED ELEVEN 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES.
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/XXXX of 2020, I received a call from a number identifying themselves as a representative of MRS BPO , LLC asking for my social security number. I was uncomfortable providing my personal information to a number and company I didn't recognize and asked for mail correspondence to confirm their existence. I received that letter on XX/XX/2020 indicating that I had owed XXXX ( account XXXX ) nearly {$150.00} for an unidentified service. I contacted XXXX to understand what the charge was for. I called multiple times and went to two of their local stores, each time being told that I did not have an account with XXXX. I filed a dispute letter with MRS BPO sent XX/XX/2020 and received by certified mail on XX/XX/2020 explaining that I had no services through XXXX except for my parents ' phone plan, but that my parents covered that bill and it would not be charged to me. 

I did not receive a response within 30 days nor have I received any response thereafter, and I allowed MRS BPO an additional month due to delays that may have occurred during the pandemic before filing a dispute with the 3 credit reporting agencies on XX/XX/2020. I learned following the filing of the dispute letter that this debt collection action was reported to the credit reporting agencies. I am awaiting a response from those credit agencies within the next few weeks. 

However, I received a letter on XX/XX/2020 from a group identifying themselves as XXXX XXXX trying to collect the same debt. I am initially concerned that MRS BPO is trying to skirt the protections of the Fair Debt Collection Practices Act by assigning the debt to a new company after receiving my dispute letter, which put MRS BPO on notice that it could not make attempts to collect on the debt. I guess I now will have to dispute the debt with XXXX, taking additional time and money. 

I still have not received any information that I owe XXXX any money, and they have confirmed to me by phone and in person that I do not have an account with them. I have not received any services from XXXX outside of my parents ' phone plan. Now, I am dealing with 2 debt collection agencies without having been apprised of the grounds for the debt collection action.
Complaint sub-issue: Can't get flexible payment options

My wife had been XXXX for the last 4 years and this has lowered our monthly income. AES has been unwilling to lower my monthly payments or place me on deferment and this has led me to be late and behind with my payments, so they sent me to collections. 
What I would like to do is pay my past due amount ( using my income taxes ) in order to be current, I 'd like them to remove me from default status ( and take me out of collections ) so that I can look into consolidating, and for them to work with me on a lower monthly payment. Currently it 's $ XXXX.
Complaint sub-issue: Information belongs to someone else

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy : Discharged CH-XXXX XXXX Bankruptcy : Discharged CH-XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account, XXXXXXXX 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 an account without my written instructions
Complaint sub-issue: Account status incorrect

CarMax is still reporting on my credit that my balance is past due. They sold the car on XX/XX/XXXX but reported me past due on the XXXX of XXXX. They are retaliating against me using my credit score it's hard enough for XXXX people to get things and then a corporation can just lie.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Complaint sub-issue: Investigation took more than 30 days

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized, Also my personal information is incorrect.