Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Old information reappears or never goes away

XX/XX/XXXX 5 US DEPT ED accounts say that they are closed but in reality they are still open due to the fact of the balance that i have no knowledge of balance : {$7100.00} balance : {$6700.00} balance : {$3800.00} balance : {$3800.00} balance : {$1000.00} EQUIFAX 5 US DEPT ED accounts say that they are closed but in reality they are still open due to the fact of the balance that i have no knowledge of balance : {$7100.00} balance : {$6700.00} balance : {$3800.00} balance : {$3800.00} balance : {$1000.00}XX/XX/XXXX5 US DEPT ED accounts say that they are closed but in reality they are still open due to the fact of the balance that i have no knowledge of balance : {$7100.00} balance : {$6700.00} balance : {$3800.00} balance : {$3800.00} balance : {$1000.00}
Complaint sub-issue: Debt was paid

I am in the process of purchasing a home that is under contract and scheduled to close on XX/XX/XXXX.

I was approved for my loan when we got an alert that my credit changed.

My loan processor checked my credit report and noticed that Conns reported my payments late for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

I was surprised because I made an agreement with their debt collection company on payments that I submitted the day they contacted me.

I immediately contacted Conns for an explanation on XX/XX/XXXX. They informed me to contact XXXX XXXX to discuss the account. I then dialed them and spoke to my representative ( XXXX ) who informed me my payments are not reflecting late.

I then contacted Conns back and spoke to a supervisor. The supervisor said they would open a ticket to review the request for an updated payment history.

I called numerous times throughout the next couple of days.

I contacted XXXX with XXXX XXXX because Conns informed me that they needed proof the payments were made on time and for the amount we agreed with them. We agreed to make payments of {$87.00} monthly.

I paid {$140.00} on XX/XX/XXXX, {$87.00} on XX/XX/XXXX, {$87.00} on XX/XX/XXXX and an additional amount of {$300.00} on XX/XX/XXXX.

I requested they send a breakdown of my payment history and payment agreement to Conns. They stated they sent it to their inner customer service department.

I called Conns and they stated I needed to contact XXXX XXXX for the letter. However, i informed them I already had a ticket open with them to obtain this letter.

The supervisor with Conns said he would get it to me. XX/XX/XXXX, I got XXXX with XXXX XXXX to send Conns proof of payment.

I called Conns again for an update and they said the ticket comments show the request closed.

This was not correct because I still needed a letter.

I told them to open another ticket so that I could get this resolved. I needed a letter showing the payments were reported in error and they would correct them.

XX/XX/XXXX, I spoke to Conns and they stated that the request was rejected because the debt collection company ( XXXX XXXX ) did not provide proof of our payment arrangements and the times they were made.

XXXX stated Conns told him their account shows current and they would update the credit.

I received a letter from Conn 's on XX/XX/XXXX that was a payment history report. However, I told them with the original ticket request that I need the letter to state my credit report would be corrected.

I called on XX/XX/XXXX to inform them of the new letter I needed and they stated it wasn't an option.

They then informed me they would only be updating a 180 day late report on my credit. Which didn't seem clear because I do not have a report for that amount late.

This is directly keeping me from purchasing the house I have a contract on that I previously qualified for and now those late reports have dropped my credit beyond acceptance.

They are not reporting my payment history accurately. I sent them proof of my payments made and that they were for the agreed amount with their debt collector.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hello, My name is XXXX XXXX. I am submitting this request due to some unauthorized inquiries which are on my credit report. I have inquiries from the following companies to whom I did not authorize : XXXX XXXX XXXX  XXXX  Automobile Financing Company XX/XX/XXXX XXXX  XXXX Automobile Financing Company XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Automobile Financing Company XX/XX/XXXX XXXX XXXX XXXX XXXX Finance XX/XX/XXXX XXXX XXXX Finance XX/XX/XXXX XXXX   XXXX Finance XX/XX/XXXX XXXX  XXXX  XXXX Finance XX/XX/XXXX XXXX  XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX Finance XX/XX/XXXX XXXX   XXXX Finance XX/XX/XXXX XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX Credit Union XX/XX/XXXX XXXX  XXXX XXXX 2 Automotive Dealers ( New ) XX/XX/XXXX XXXX XXXX XXXX Automotive XX/XX/XXXX XXXX Bank XX/XX/XXXX XXXX   XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX Mortgage Companies XX/XX/XXXX XXXX XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX XXXX  XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX Finance XX/XX/XXXX XXXX XXXX National Credit Cards/Airlines XX/XX/XXXX XXXX XXXX  XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX XXXX XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX XXXX   XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX  XXXX XXXX XXXX Miscellaneous Finance Companies XX/XX/XXXX XXXX XXXX XXXX Automobile Financing Company XX/XX/XXXX XXXX  XXXX Auto Reseller XX/XX/XXXX XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX XXXX XXXX Finance XX/XX/XXXX XXXX  XXXX XXXX Automobile Financing Company XX/XX/XXXX XXXX XXXX XXXX  XXXX Bank Credit Cards XX/XX/XXXX XXXX   XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX XXXX   XXXX Automobile Financing Company XX/XX/XXXX XXXX  XXXX XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX XXXX I have listed what reports are showing and I have no intentions of applying for credit. These multiple inquiries make me look desperate and that is far from the case. I think that these unauthorized inquiries make me look very irresponsible and makes it almost impossible for me to apply for future credit if needed. I have made various attempts to solve this matter but it has gotten me no where. I've tried calls and letters to those listed above and they've done nothing to fix it. 

Please get these unwanted and unauthorized marks off of my credit so that I can enjoy the American dream.
Complaint sub-issue: Didn't receive enough information to verify debt

I have reached out to Hunter Warfield with a credit repair agency. On XX/XX/2022. We informed Hunter Warfield we sent a letter for debt validation and they didnt respond within the timeframe permitted by law. I did ask on the call if they can provide proof of debt and also why are they adding interest to the debt and they failed to offer an explanation also Hunter Warfield advised me they will submit a dispute on their end but didnt provide me with a timeframe when it will be completed. Hunter Warfield told me they will let me know when they get ready. I found this company to be very unprofessional, aggressive and very threatening. Hunter Warfield please remove the invalid debt from all three of my credit reports, your company have cause stress on my lively hood and affecting me financially.
Complaint sub-issue: Banking errors

The bank applied a negative XXXX balance to my account for attempting to cash a check that they claim would not process. The check was cashed at another bank without any issues. The account was frozen and had a the negative account balance. The check cleared XXXX XXXX The bank refused to cash a payroll check drawn by there bank and a local University that wouldn't clear a mobile deposit and refused to credit my account for a deposit. The bank has took me through high volumes of stress & grievance without cause.
Complaint sub-issue: Overdrafts and overdraft fees

On XX/XX/19, I made a XXXX deposit to US Bank because I knew a transaction of XXXX was coming through on the XXXX. When I checked my balance, it showed I was XXXX in overdraft fees. I contacted the bank and talked with XXXX # XXXX XXXX who told me that because I deposited a check, the bank only released XXXX  which made me have late fees. When I complained to her that no one ever told me funds were going to held back because it was a check and besides it has already been two days. Someone else from USBank consumer complaints made a similar tale but said because the bank was holding the rest of the XXXX, I wouldn't necessarily owe them XXXX. Only if other transactions come in. I told her this was unfair and it looks like you are trying to extort money that was available in my account to give to US Bank because you want to. At no time was there an offer to make things right. The check has cleared their bank. There was no reason for them to do this to me. Oh by the way it is XXXX XX/XX/19 of this writing. US Bank has given me a deposit slip that says my deposit was for XX/XX/19 XXXX XXXX. How could this happen?
Complaint sub-issue: Right to dispute notice not received

I am filing this complaint today against Jefferson Capital LLC because my credit monitoring service notified me on XXXX XXXX, 2016 that a collection was placed on my XXXX and XXXX reports by them. I have never heard of nor from this company and I have never entered into any legal agreement or contract to do business with them. Furthermore ; the debt they claim I owe them was illegally purchased and furnished on my credit file without my consent nor an opportunity to verify or validate debt per FDCPA. The debt has been previously deemed unverifiable and was removed from my credit file due to another illegal purchase once before. I have reached out to them and have asked them to please remove the unverifiable negative item from my credit reports and have been ignored so far. Please resolve the situation as soon as possible. Thank you.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on Loan accounts 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

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information
Complaint sub-issue: Information is missing that should be on the report

I have paying my loan on time and the bank does not report this or the balance on my credit report. This I feel has had an adverse impact on my credit score. I can prove on-time in person payments for the past XXXX  months
Complaint sub-issue: Account status incorrect

I have a XXXX XXXX  ending in XXXX through XXXX XXXX, which I had disputed unauthorized charges from XXXX XXXX  XXXX  over 3 months ago. After numerous complaints an employee from XXXX XXXX finally contacted me on XX/XX/2021. 
This employee identified himself as XXXX ( runs the back office for XXXX XXXX ). XXXX XXXX goes through XXXX XXXX to offer the XXXX XXXX. 

XXXX attempted to explain why my disputes were not handled properly and why they were furnishing inaccurate information to the credit bureaus. XXXX did apologize for the way my account and issues were handled which I appreciated. XXXX requested to start over with my original disputes and allow him to conduct the investigation that should have been conducted 3 months ago. 

I informed XXXX I would no longer discuss this issue until the balance the XXXX card is wrongly reporting is updated correctly to a XXXX  balance. I explained what I have been through and how the inaccurate reporting has caused me financial, and emotional harm. XXXX was not receptive and our conversation ended. About an hour later I attempted to log in to my XXXX XXXX account and was blocked. As of today XXXX XXXX my account continues to be blocked. 

I can not access it online or by phone. I have called customer service numerous times and no one has been able to help me, I am placed on long holds without anyone picking up the phone. If there is a small balance remaining I have no way of making any payments. I am completely blocked and one representative claimed the entire account was charged off for fraud. Makes no sense ... If XXXX reports this account in any negative way it is clearly a deliberate attack to harm me by ruining my credit more than they previously have.
Complaint sub-issue: Company closed your account

hello, my business, personal and credit card account was closed by citi bank, they gave me a 30 days notice to close all my accounts on XX/XX/XXXX. the only explanation on the notice of cancellation of accounts was '' due to recent activity in your account we have decided to close your account '' i have called the ph no listed on the letter of closure of my account for any specifics or detailed explanation, person who answers, says that i should contact my branch manager to further investigate why the bank closed my accounts. my bank manager tried numerous times by calling their internal financial unit and wrote emails to get any explaination of the reasons of closing my accounts. but no answers so far. now my XXXX card and XXXX XXXX have also sent the similar notification of cancelling my accounts, i dont know why is all this happening and would like any help i can get to get some answers from citi bank to why they have taken such drastic action. i had been banking with them for over 9 years. 

pls let me know how you can help.
Complaint sub-issue: Information belongs to someone else

In XX/XX/2018 I found out that I was a victim of Identity theft. The police were contacted and a report filed, as well as the FTC and the Credit Bureaus. To date Equifax has not removed any of the accounts that have been reported as a result of the Identity theft. I have sent three letters providing them with all of the information request in regards to the Identity theft and they still have not removed the fraudulent information. I am in the price of seeking legal action against the company.
Complaint sub-issue: Problem getting report or credit score

I have a credit freeze on my accounts with all three credit reporting agencies. I lifted my freeze with Equifax on XXXX XXXX through XXXX XXXX to allow my credit union to verify my credit for a car loan. I have made an offer on a vehicle so this issue is time-sensitive. 

I applied for a car loan with the same credit union in XXXX 2014 and the loan officer was able to access my credit info with Equifax so I could get a loan. Now, a year later, Equifax is refusing to allow access to my lender. 

After I lifted my credit on XXXX XXXX, my lender ( XXXX XXXX XXXX XXXX ) tried repeatedly to verify my ( excellent ) credit history. The credit union was given the automated message that the credit was frozen, EVEN THOUGH Equifax had charged my {$3.00} on my XXXX XXXX card to lift the freeze AND I got a message ( when I tried to repeat the lift ) that there a temporary credit lift was already in place. When I called " customer service, '' I was told that the reason the credit union could not verify the credit was that Equifax did n't have a birth date on my file. I am XXXX-years old and have a LENGTHY credit history. Equifax provided my credit history to this same lender ONE YEAR AGO. Now they refuse to give out the info, while still charging my {$3.00} and telling me that me freeze has been lifted. 

When I spoke to the Equifax customer service rep on Friday, XXXX XXXX, she insisted on charged me an ADDITIONAL {$3.00} to extend the lift on my credit freeze until XXXX XXXX even though it was their fault that my lender could not verify my information. She also told me that my credit union needs to send my birthdate to Equifax as part of the transmittal about the status of my current loan. 

Although the customer service rep verified my identity, she refused to let me give her my birthdate information. I understand that they ca n't accept info over the phone, but I think Equifax should have already this info had since my birthdate has been on every credit application I have ever completed and I have many, many items on my credit history. 

I have informed the loan officer at XXXX XXXX XXXX, but I am dubious that Equifax will cooperate given their lack of customer service on the phone with me. 

Summary of next steps : I need Equifax to allow the loan officer from XXXX XXXX XXXX XXXX to verify my credit ( as Equifax did in XXXX 2014 ) so I can proceed with the car loan. If I need to, I can then mail documentation about my birth date to Equifax at my leisure after the loan has been completed.
Complaint sub-issue: Debt was result of identity theft

Enhanced Recovery has been reporting incorrect information on my credit file that was involved in identity theft. They have several incorrect addresses, names, accounts and phone numbers. A police report has been sent to them several times and yet they continue to report incorrect information including my social security number.
Complaint sub-issue: Old information reappears or never goes away

XXXX ( XXXX XXXX  ) is reporting an account that was paid off over a year ago. It updated information on my Equifax report as being late 119 days which isnt true. I paid in full the charge off account. I wasnt getting no statements from this company. They deleted the accounts off my XXXX  and XXXX. Why are they still reporting on my Equifax. Why was information changed XX/XX/XXXX if it was charged off XX/XX/XXXX and paid off XX/XX/XXXX. This account is ruining my credit score with Equifax. I want it deleted for false reporting.
Complaint sub-issue: Account information incorrect

Per 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

In addition, I have my several complaints to the creditor and the credit Bureaus to report the account with OneUnited Bank has been closed as of XX/XX/2022. There have not been any changes to my report to update this. Per FCRA 15 USC 1681, after the required timeframe has passed and the information disputed showing inaccuracy has not been changed ; the account must be deleted within 30 days of not providing proof that the account is accurate. 

Account XXXX : XXXX Bank XXXX - Delete account due to multiple submissions of reporting account and non-responsive from creditor and credit bureau. 

As result, please remove XXXX Bank account addressed above per FCRA 15 USC 1681 by law, must be deleted from the credit report within 30 days of not providing proof that the account is accurate.
Complaint sub-issue: Debt is not yours

Someone was able to use my Information for what looks like two separate events. someone used XXXX XXXXXXXX XXXX for a visit or two, in addition they opened up a XXXX  Account and failed to pay for either. therefore it is on my report and I have no previous history with either of these companies. 

XXXX  XXXX XXXX  Original creditor : XXXX {$250.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$250.00} {$250.00} Payment Info Original balance {$250.00} Balance {$250.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX I.C. SYSTEM, INC Original creditor : XXXX XXXX XXXX {$330.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$330.00} {$330.00} Payment Info Original balance {$330.00} Balance {$330.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

There is a charged off account on my credit report. Its reporting as open, but it is charged off. 
How can a charge off account be open. 
Thats illegal.
Complaint sub-issue: Account terms

Equifax in the previous investigation misinformed or just outight lied in their response, they attempted to play the response as a play on terms, i.e. the credit item of XXXX XXXX finance, and the term XXXX, which is one of their clients, and they knowingly know its the same. In the above stated response, Equifax stated it does n't appear on my report, well it does in the shorter term, the term that is easy to determine is the same company. They wrote it, that it does n't exist, they responded to the CFPB it does n't exist, well it does. Equifax has been playing this game for decades, they only apply verification to beneift those who pay them, in no manner is the consumers word less creditable then the persons who pay them, yet they are allowed to get away with this kind of conspiracy. They stated it does n't exist in any form, I want it removed to include all other items that do n't correspond to my issued name and social security number, period.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXXXXXX XXXX is reporting an inquire that I do not recognize.