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

On XX/XX/2019, I mailed a dispute letter to Equifax explaining that they are reporting information regarding my XXXX auto loan incorrectly, stating that the account is an open account and that I am 90-119 days past due with a balance owing of {$21000.00}. I had asked that ( Equifax ) correct the information based on the documents I'd provided XXXX my XXXX account 's bank statement ), along with my dispute, to support my claim which shows that the account is paid in full, with a zero balance. Upon receipt of my dispute, they performed and completed a 30 day investigation for which on XX/XX/2019 I was notified in writing that the " information is being reported accurately ''. 

I've notified XXXX for assistance in the matter, in which, who also confirmed that this account is closed, paid in full. And they ( XXXX ) had advised that " I should dispute the matter with the credit bureau, for the credit bureau is the one who is reporting the information ''. 

I feel, at this point, I am going in circles, with no resolve.
Complaint sub-issue: Information belongs to someone else

equifax violated my concent and privacy. us code 15 ch 41 sub ch 3 1681 ( a ) 3 and 4 1681 ( b ) 2
Complaint sub-issue: Information belongs to someone else

I XXXX XXXX have been treated unfairly by this consumer reporting agency and they have been using my private consumer information without my consent. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I've not given verbal or written consent to any agency for them to us any information. 15 U.S. code 1681c-2 allows the consumer to block and remove all information that resulted from identity theft, If you follow the guide line which they provide. Please inform them of these rights.
Complaint sub-issue: Contacted your employer

A collection company named XXXX XXXX, called my place of work to attempt to collect previous balance owe on rental move out. I have disputed the amount of {$170.00} with property manager as that should have covered it from the security deposit. There were fees added that did not add up and now sent me to collection. This is highway robbery and not right.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/19 I mailed a letter requesting proof that an account from XXXX XXXX in the amount of {$3400.00} was in fact mine, as I did not have any knowledge of this account. 

I received the letter returned on XX/XX/19 as unable to forward, even though I used the address that was provided on my credit reports. 

On XX/XX/19, I sent the credit bureaus a letter with a copy of the returned envelope, requesting that they remove the item, as they were reporting inaccurate information, in violation of Section 609 of the FCRA. They refuse to do so.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I received a fraudulent charge on my credit card statement for {$170.00} on XX/XX/2021. I called Macys card services various times to submit a claim over the phone, to which their only solution was to send me a new card with a new number without removing the charge from my account. I then wrote a letter to them disputing the charge and received written correspondence that they received my fraud claim on XX/XX/2021 and would notify me with the results of the review. On XX/XX/2021, I received notification that they had completed the investigation and found that the charge was in fact fraudulent. Two statement periods have now passed since then and I have not received a credit on my statements for the {$170.00} or the interest that they charged me associated with the fraudulent transaction.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I contacted Equifax XXXX XXXX about unauthorized inquiries on my credit report. Either have removed the unauthorized inquiries off my credit report. XXXX stated it will take 30 days its been 30 days & still no update!
Complaint sub-issue: Information belongs to someone else

My personal information was stolen/ missing a few years ago. As the result, around XXXX, someone had used my identities ( SS Card, Driver 's License, etc. ) to open an account with XXXX XXXX XXXX, as I was told. This matter was reported to the police and the XXXX. XXXX XXXX XXXX was also notified. Following a series of investigations, XXXX XXXX closed and marked the account, FRAUDULENT/ ID THEFT. However, XXXX XXXX continues to harass, threaten, and seek to extort {$1400.00} from me. I have filed several disputes with XXXX XXXX, alongside XXXX XXXX XXXX but the negative mark is yet reflected on my credit, causing me prolonged damage/ undue suffering/ pain, as they have all, refused to correct/ remove a damaging account from my credit report for almost 2 years. This action of XXXX, XXXX and XXXX and XXXX. violates, the FCRA Guidelines/ Regulations, given that the Debt Collector/ Collection Agency ( XXXX XXXX AND XXXX ; AKA : XXXX XXXX XXXX XXXX XXXX is a FRAUD -- acting criminally, as it claims to represent a company/ original creditor ( XXXX XXXX Leasing ) with whom it has no ties or whatsoever. Moreover, XXXX XXXX Leasing ( i.e., the purported " original creditor '' it claims to represent ) has investigated and CLOSED the account, marking the said account as IDENTITY FRAUD. Sadly, my life is destroyed, as XXXX XXXX XXXX continues to call, threaten, and refuse to remove this off my credit until I pay them the amount of {$1400.00} for a debt I do not owe. XXXX and XXXX have failed to request evidence from XXXX XXXX XXXX... ignore my disputes.
Complaint sub-issue: Debt was paid

XX/XX/XXXX We switched our smart phone service from XXXX to XXXX XXXX We had two XXXX XXXX phones and one reader board. For some reason, the reader board, which was subsequently not used, was not able to be switched at that time. We did not realize XXXX would keep charging us for it. 
XXXX sent a bill in late XXXX for {$84.00}. I sent check # XXXX dated XX/XX/XXXX for that amount and that check cleared my bank on XX/XX/XXXX. I sent notification with the check that we were no longer using XXXX for our service. 
XX/XX/XXXX XXXX continued to bill us, and I phoned them. My notes show I talked to XXXX, who assured me there would be no more charges, and that our account was closed with the CLOSING CODE XXXX. 
However, XXXX kept sending emails that we owed them. Please see the copies of billing documents emails and subsequent debt collection notices and our replies thereto.
Complaint sub-issue: Information belongs to someone else

This account resulted due to identity theft. 
XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
Only Equifax has been reported this account on my history.
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/XXXX, and XXXX charges from XXXX XXXX XXXX XXXX were on my account. I did not see them til around the middle of XXXX due to the fact I do not use my credit card that often so didn't open my bill upon its arrival. My daughter who pays my bills immediately called the company and got them to close the account and issue new ones unfortunately they only issued one to her mine never came. That was the XXXX statement when we saw them closing date of XX/XX/2020. We called the company and talked to a XXXX on a conference call in the fraud department and he said there are other charges from a car rental I am assuming you have not been anywhere else would like me to get rid of those also and we said yes. So on the bill closing date of XX/XX/2020 the charges had been removed we had a new account and assumed everything was taken care of. Imagine our surprise when opening the new account bill dated closing date XX/XX/2020 there was a charge from XXXX rent a car in XXXX Fl for XXXX on XX/XX/XXXX posted to the account on XX/XX/XXXX. This time my daughter called the company and we did a conference call so they knew she could talk on my behalf and talked to a XXXX who assured me after explaining what was going on they were all removed and she kept saying its marked as fraud why is it there. What was confusing to us and no one can give us an answer on is how those charges were able to be put on our new account. So again we assumed it would be taken care of silly us upon opening the statement dated XX/XX/2020 it was still there so we called again on XX/XX/XXXX because we were able to be together in my daughter 's car spoke to a XXXX  in the fraud department who after hearing of our situation and veifying my information immediately put us on hold for 10 mins and then someone called XXXX got on the line and put me thru the 3rd degree asking me questions that no one had ever done to me before since I am XXXX I got a little confused and my daughter tried to help and the woman said he must answer where my daughter said well he won't know that answer because i don't even know that answer. Once she listened to us she said yes there is fraud i can see that my daughter said do you see the one from XX/XX/XXXX she said yes I will get it taken care of and we will change your account number and send you new cards. Unfortunately the XXXX statement came and the XXXX rent a car charges from Oklahoma have been removed they were XXXX but not the XX/XX/XXXX. So my daughter has now been checking it online and they have not yet removed the one from XXXX nor have they sent us new cards. We wrote a letter and sent it to them and have yet to hear from them and I will now be marking my statement disputed and only pay those charges that I owe. My daughter has locked the account so no one can use it also. In addition I will be reporting this mess to the Wisconsin Fraud dept if I can figure out where that is and may try the XXXX police department because it is definitely theft.
Complaint sub-issue: Information belongs to someone else

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$550.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$11000.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

It's not my accounts, i never sign any contracts or agreements to receive benefits, i was victim of Identity Theft.
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items : XXXX XXXX  Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Account information incorrect

On XX/XX/XXXX, I made a first mortgage payment to US Bank from my checking account. In error the payment was sent to my US Bank home equity line account. I made several calls to US Bank to inquire why my XXXX payment was not applied to my first mortgage. After weeks of research no one from US Bank could locate the payment. On XX/XX/XXXX I looked at my Home Equity Line account and saw that my first mortgage payment had been applied to the HELOC. I brought my account current with my own funds on XX/XX/XXXX while I have to wait weeks for this payment to be reversed and a check to be sent back. This is an additional {$3500.00} I am out of pocket due to the misapplication error. During this research time, US Bank reported a 30 day delinquency on my first mortgage and now my credit score has dropped by over 60 points. I have tried to US Bank to reverse this negative reporting but they have said they can't help me. I have never missed a payment on my first mortgage or my HELOC or ever been late on this mortgage which I have had for 5 years. I have had mortgages since XXXX and never been late on any payment. 

Included my bank statement showing my XXXX Payment to US Bank that was applied to HELOC and not my first mortgage.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX  XXXX  XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

WAYPOINT ( Original Creditor : XXXX XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX ( Original Creditor : XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX XXXX  XXXX - XXXX - {$10000.00} - XX/XX/XXXX XXXX XXXX  - XXXX - {$1000.00} - XX/XX/XXXX XXXX - XXXX {$10000.00} XX/XX/XXXX XXXX XXXX - XXXX - {$26000.00} - XX/XX/XXXX
Complaint sub-issue: Keep getting calls about your loan

All student loans have been paid in full for many years. They were handled by NelNet and were obtained when I applied with XXXX University Online, many years ago. Today, around XXXX XXXX  or so, I received a phone call that left a voicemail saying I need to discuss repayment options on my federal student loans. I tried calling back the caller ID number but received busy signals. I also called the number left on caller ID. However, this number uses a prompt system asking you to identify if you have dept or do not and want to be removed. If you do not choose a prompt, you are disconnected. This truly seems like a vishing attempt to identify who are targets that actually have federal student loan debt. Additional information is below and I attached a copy of the voicemail left by the fraudster. 

Caller ID displayed : XXXX The name used by the caller : XXXX XXXX Call back number left on voicemail : XXXX ADDT NOTES : This complaint is not against NelNet ( the loan services provider ), but I had to choose someone to move forward. This complaint is against whoever is attempting to defraud those who hold or have held federal student loans. Fraudsters could have easily obtained this information from the XXXX  or other data breaches.
Complaint sub-issue: Charged too much interest

In XX/XX/XXXX of this year I obtained a debt consolidation loan to pay off my bills which included my XXXX XXXX XXXX XXXX. The credit union mailed checks to my creditors. As I was not aware when the checks were arrived I still schedule my regular payment. The payment was posted on XX/XX/XXXX in the amount of {$11000.00}. My regular payment of {$360.00} posted on XX/XX/XXXX. XXXX XXXX XXXX XXXX also charged me interest in the amount of {$230.00} when my balance reflected as XXXX AND my payment posted on the XX/XX/XXXX. I called them on XX/XX/XXXX and was advised they would reverse the interest and it would take 3 days. I gave it a week and checked my account. I called back on XX/XX/XXXX and was advised that the last CSR did not notate my account and it would be done again and take up to 3 days. I checked my account this morning and it is still not applied. As such, I would like assistance receiving my credit so I can close this account. XXXX XXXX has a habit of this practice and I no longer want to have a financial account with them.
Complaint sub-issue: Other problem

I'm enrolled in CIti Bank Auto Pay! 
Citi Bank Computers R Falsely list me as allegedly missing a payment! 
Citi Bank computers have been illegally harassingme about that! 
That is really ridiculous! 
Because Citi is supposed to automaticallyget the $ $ $ from my bank account!
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

The following series of attempts have been made on my behalf to clear a fraudulent charge of {$160.00} from XXXX in XXXX, FL. All of the phone calls listed below were lengthy on wait time and I was passed from one customer service rep to another. 

XX/XX/XXXX I called and informed customer service that the charge was fraudulent. I was told it would be noted and taken care of. 

XX/XX/XXXX I followed up with another phone call and was told it was not noted as fraudulent and there was no indication of my earlier call. 

XX/XX/XXXX I wrote a letter to the Fraud Department at the address given to me at the time of my call. I never received a response. 

XX/XX/XXXX Another phone call and was told the case # is XXXX and it is being handled. 

XX/XX/XXXX Another telephone call with representative claiming that XXXX had handled the issue and credit would be forthcoming. 

XX/XX/XXXX No results, another phone call informing me that XXXX XXXX was the investigator handling the issue but he was unavailable by phone. 

XX/XX/XXXX - I called XXXX to ask for help and was told they could do nothing. 

XX/XX/XXXX Online chat with cc representative named XXXX who informed me the item was flagged and I will see a credit within 3-5 business days. Please be rest assured. I printed a copy of the chat. 

XX/XX/XXXX Online chat with representative named XXXX who informed me I do not have to pay the {$160.00} as it is disputed and a security credit will be applied to my account. I printed a copy of the chat. 

XX/XX/XXXX I wrote a letter to XXXX XXXX whose name I was given in the last phone call and received no answer. 

XX/XX/XXXX Telephone to representative named XXXX who informed me that the credit was issued on XX/XX/XXXX and would show on my XX/XX/XXXX statement. XXXX said the person handling this dispute was XXXX XXXX and I could reach him by mail. 

XX/XX/XXXX statement was received and included a late fee of {$25.00} for non payment of the FRAUDULENT DISPUTED ITEM. 

XX/XX/XXXX statement was received with no credit as promised by XX/XX/XXXX representative. And a late fee of {$35.00} was charged plus interest of {$1.00}. 

XX/XX/XXXX my third letter to XXXX XXXX ( name phone rep gave me ). 

To recap all of my attempts to resolve this matter with no success or even responses - 7 phone calls, 2 chats, and 3 letters.
Complaint sub-issue: Their investigation did not fix an error on your report

I was evicted by the landlord in question for paying the rent a few days late, less than 30 days, and me and my husband XXXX XXXX were singled out in order for the landlord to raise the rent from {$1800.00} monthly to {$2500.00} monthly. At the time of the eviction, according to the XXXX XXXX XXXX XXXX XXXX, said company was not evicting any other tenants for the reason that we were evicted. Now said company/agenty is trying to collect from us an unlawful debt of {$3300.00} and has reported us to collection bureaus. I just discovered that my credit rating went down XXXX points because of this. --
Complaint sub-issue: Transaction was not authorized

I deposited check number XXXX into the ATM at my credit union. The check was credited to my savings account. The check had posted to my checking account on XX/XX/2020. All is well. 

On XX/XX/2020 the same check was posted to my account and credited to an unknown account at XXXX XXXX. 

The check was for {$1500.00}. The people at TCF Bank where my checking account is located said that someone would call me tomorrow or the next day. 

There was a similar issue with a check that I deposited at TCF Bank only 2 months ago. On that debacle they insisted that I deposited the check at the teller and at the ATM. I put a complaint in and it took quite some time before TCF said it was an error and apologized. That complaint that I made was almost {$400.00}. This " error '' leaves me short {$1500.00}.
Complaint sub-issue: Reporting company used your report improperly

Equifax has, through gross negligence, leaked the entirely of my credit reporting agency file they maintained ( as indicated by www.equifaxsecurity2017.com when entering my personal identifying information ). 

" According to Equifax, the breach lasted from mid-XX/XX/XXXX through XX/XX/XXXX.  The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people. And they grabbed personal information of people in the XXXX and XXXX too. '' [ 1 ] They have failed to apply the most basic security measures to protect this data, based on congressional testimony provided by Equifax 's then-CEO [ 2 ]. 

[ 1 ] https : //www.consumer.ftc.gov/XXXX [ 2 ] XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

I had submitted a complaint about Ally Financial with your company back in XXXX and was sent notification that the late payment from XX/XX/XXXX was removed from my credit report in XXXX. Upon pulling my credit report XXXX is showing that I have XXXX accounts with Ally ; one with the late payment removed and current, the other still showing a late payment and with no record of payments after XXXX. I submitted a dispute with XXXX  over a month ago to remove the duplicate out of date account and still no word. But since I did that dispute my account with Ally changed again on my XXXX report, showing a late payment from XX/XX/XXXX and is out of date also because it does not show any of the current payments I have made since XXXX. The problem with XXXX is that it does not even have the duplicate accurate account that XXXX has. When I pulled my credit in XXXX my XXXX was accurate then changed 2 weeks later.