Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I applied for a mortgage with XXXX on XX/XX/19 and they were required to do ( 1 ) inquiry. When I spoke to the supervisor they had already done ( 7 ) inquiries via XXXX which lowered my score 9 points. I spoke to the manager : XXXX XXXX Sales Manager XXXX XXXX XXXX XXXX Office : XXXX XXXX XXXX XXXX And was advised I would receive a letter and/or evidence these inquiries would be removed from all three of my credit reports and to date I cant get a call back after several voicemails and emails or a letter. Im also frustrated that everytime I speak to my consultant : XXXX XXXX Home Mortgage Consultant NMLSR ID XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX, NC XXXX XXXX XXXX Tel XXXX Ext. XXXX | Fax XXXX who initiated my loan for me and has done his part and has submitted it to a processor has to keep saying I will follow up to see why the processor has not reached out. This alleged processor who is going to call me to move my loan through the process. To date I have yet to even obtain a pre-approval to shop for a home or hear from a processor. 

I keep getting told someone will call you.. and no one is doing nothing. The loan is not moving on the tracker and at this point I just want all inquiries related to this mortgage removed and the application cancelled.. For a bank this size this snale mail tactic is not very efficient for a consumer. 

I want the excessive inquiries removed immediately from all three credit agencies as only ( 1 ) was authorized not ( 7 ).
Complaint sub-issue: Overdrafts and overdraft fees

US Bank has be reordering my transaction in order to accrue more overdraft fees on multiple dates. After raising the issue with them, they stated it was because of the clearing date but the transactions are not even chronological order. I have attached photos of the dates of the transactions and screenshots my bank account showing the order doesnt match. I will include their proper order below. In addition, another occurrence an incorrect overdraft put a hold on my account putting it negative resulting in multiple overdraft fees. The original fee was refunded but the hold putting my account negative remained. 

In the first case on XX/XX/XXXX, they reordered transaction including a loan deposit ( not a wire, the loan company said it is a direct deposit and takes 24-48hrs tops ) in order to obtain fees. On XX/XX/XXXX I was charged an overdraft fee that was refunded and put a hold on my account making it appear negative when it wasn't. The correct order of the transaction is XXXX XXXX  was made XX/XX/XXXX ( attached ) and the XXXX XXXX loan was issued the XX/XX/XXXX and should have cleared XX/XX/XXXX resulting in a positive balance. In addition the order of the transactions is XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, then XXXX XXXX ( in less than 24 hrs from the XXXX XXXX which would not result in a overdrsft. But the loan was not accepted until XX/XX/XXXX at which another automatic payment came out on XX/XX/XXXX resulting in a third overdraft fee. I've attached all bills and the loan deposit receipt showing the payment date which matches the deposit date. It also shows that the loan owner says it should be 1-2 days tops. I called the loan company and they said it was cleared on their side and showed deposited. The bank however held it. In addition, to saying my account was negative for " hold '' for a overdraft fee that was refunded. 

The second occurrence was the weekend of XX/XX/XXXX. The transactions correct order is XX/XX/XXXX XXXX, after-party XX/XX/XXXX and then XXXX  XX/XX/XXXX. I have attached the bills to verify this. The transactions were reordered in order to charge fees and a " hold '' was put on funds for transactions that occurred before the payment even ordered. I was also told my an additional {$36.00} fee or more depending on the interpretation of the account. You can see from rhe screenshots they've notated tons of transactions that the account was negative because a transaction that occurred after the transactions being called negative. I've attached everything I can to prove these. This is the just most recent incidence of transaction reordering to obtain more overdraft fees from me as a long time customer and state employee.
Complaint sub-issue: Debt is not yours

A company called ERC, also know as ENHANCED RECOVERY CORP is contacting me about a bill for {$810.00} that does not belong to me. I have no knowledge of ERC. I have never spoken with this company. I do not have a contract with them. I have already contact the BBB about them and they are continuing to post information on my credit report. I have already asked them to remove it and they refuse. I do n't know what else to do.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

They call and call and call and never say anything then hang up. They been doing this for over a year. About a year and 1/2 ago we managed to talk to some rude person that said we ow money. They would not tell us for what. We told them they had the wrong people and had no idea what they were talking about. We asked them to send us the information on what makes them think it is us and they refused. 
I would like to know where their office is and who is in charge and why they keep calling. I would love to meet them in person.
Complaint sub-issue: Debt was paid

I am writing to request your help. I have a mortgage with Loancare ; account number XXXX, opened date XX/XX/XXXX. This company is reporting a late payment on my account and I want to explain why they are committing multiple violations to the FCRA by doing this. 

I have mortgages dating back to XXXX and I HAVE NEVER BEEN LATE. Back in XXXX, I processed the Loancare payment online and for any reason, their website indicated that the transaction was successful. I realized that the payment was not submitted until XXXX, when they called me. I have been told that they have a terrible website and I confirmed that on XXXX. 

They are being unreasonable because THEY NEVER HAD CALLED OR MAILED A NOTIFICATION until XXXX and nothing in XXXX when the payment was late. The FCRA requires any debt collector company to notify the consumer when a payment is due. 

Loancare is also committing violations to the section ( 609 ) of the Fair Credit Reporting Act by reporting false and erroneous information. The first time a live person called was XX/XX/XXXX after the payment was due, WE IMMEDIATELY PAID. 

This is a joint account, therefore, two people are being affected by this companys NEGLIGENCE and UNFAIR BUSINESS PRACTICES. We have a Pending mortgage for {$300000.00} because of this wrong information being reported. 

I am demanding a Deletion letter from Loancare. This inaccurate mark must be removed or corrected ; otherwise, I will not have another option but FILE A LAW SUIT for all the violations committed. 

Attached : Bank account as proof of that I had enough funds to pay.
Complaint sub-issue: Account information incorrect

In XX/XX/XXXX, my mortgage bank : XXXX sent me a written notice informing me that they have transferred my mortgage account which I have had with them since XXXX, to another bank : XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX. XXXX provided me with a XXXX new account number : XXXX for me to use in my upcoming dealings with XXXX and to pay my next month 's mortgage. About a week ago, I received a notice from XXXX, a credit score maintenance entity, informing me that EQUIFAX has reduced my credit score. Upon my follow up with EQUIFAX, I found out that they listed my mortgage with XXXX as fully paid and therefore the mortgage account as a closed account, and according to EQUIFAX, such event resulted in lowering my credit score by 6 points! 
I contacted EQUIFAX right away and supplied them with all information showing I never paid off my mortgage and XXXX transfer of my mortgage account to another loan servicing entity ; I also provided them with the new account number of XXXX ( XXXX ). Im yet to know the result of EQUIFAXs follow up investigation. 
Since I have never paid off my mortgage, the mortgage account could not possibly had been closed as claimed by EQUIFAX, and as such EQUIFAX must correct its incorrect records to reflect the internal transfer made by XXXX   which I had nothing do with, and which according to EQUIFAX, affects my credit score negatively.
Complaint sub-issue: Debt was result of identity theft

On XXXX the XXXX, my ex-boyfriend requested a loan with XXXX for XXXX USD to purchase a laptop from XXXX for a total of {$2800.00}, which as of today makes a total of {$3100.00}. Back then I allowed him to use my information only to create his account, and he had more information because I had entrusted it to him before, but I never have my consent for my information to be used to borrow a loan. Besides that, I was younger and did not have much experience with anything credit-related. 
I kept receiving emails for overdue payments but I still thought they were just because he had used my email address to create his account. All of these emails I forwarded them back to him until I stopped receiving them. 
On XX/XX/2020, I received the first message from True Accord informing me that they were going to be collecting the debt I owed to XXXX  for a loan I never borrowed. The only loan I had borrowed before was my school loan. I disputed this on XXXX the XXXX. 
On XXXX the XXXX I figured out that the date and company the loan had been borrowed from matched with the time my ex-boyfriend asked for my information and bought his laptop. 
I have been trying to solve this out directly with him, but since he has already scammed a lot of people before, including me in other occasions, I am reaching out to you to solve this myself.
Complaint sub-issue: Account status incorrect

Equifax should not be reporting me as an authorized user on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on these accounts. I have contacted XXXX as well as the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and these line items need to be removed from my credit report.
Complaint sub-issue: Reinserted previously deleted info

I just checked my credit report today on credit karma and i have a new loan that appeared on my credit report " XXXX XXXX XXXX for XXXX ''. The message said as of XXXX 2016 this has been added. I am confused as to why this is a new account added on my credit report
Complaint sub-issue: Debt is not mine

I did not have XXXX in XXXX 2011
Complaint sub-issue: Information belongs to someone else

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX 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

Equifax ; XXXX and XXXX  are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when ALL of these accounts are in dispute. XXXX XXXX - XXXX ; XXXX  XXXX XXXX - XXXX ; XXXX XXXX - XXXX ; XXXX XXXX - XXXX ; XXXX - XXXX ; XXXX XXXX XXXX - XXXX ; XXXX - XXXX ; US DEPT ED - XXXX ; XXXX XXXX XXXX - XXXX ; XXXX XXXX XXXX XXXX ; and XXXX XXXX  - XXXX XXXX These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Complaint sub-issue: Public record information inaccurate

Lexis nexis, XXXX, XXXX, and XXXX has violated my privacy which is a violation of the FCRA. Lexis Nexis continue to list a dismissed bankruptcy as confirmed. I am aware that Lexis Nexis receive their information from a third party verification system known as a pacer system. This system is sometimes inaccurate because of the limitations of providing a complete Social Security number. Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for up to 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order relief. As a consumer I have a right to privacy Under the FCRA, 15 U.S.C. 1681 ( 4 ) which states, There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to PRIVACY.
Complaint sub-issue: Reporting company used your report improperly

I didn't authorize the below inquiries : XXXX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX   XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, NH XXXX ( XXXX ) XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Third Floor XXXX, Michigan XXXX XXXX XXXX XXXX DATES : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX , Alabama XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX XXXX Bank XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX via XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX , Alabama XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX Credit Bureau Dispute XXXX, Texas XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX Virginia XXXX, VA XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX
Complaint sub-issue: Trouble with how payments are being handled

I refinanced my student loans from XXXX to XXXX XXXX inthe amount of approximately {$360000.00}. This refinance payment from XXXX XXXX was processed by XXXX on XX/XX/XXXX. There was an overpayment of over {$4300.00}. I have asked XXXX about the status of the refund of this overpayment multiple times. I spoke by phone in XX/XX/XXXX to an agent who said refunds are processed within 30 days. It has been a month and a half. I have send their customer service department two emails, both have gone unanswered. They have provided no reasonable explanation that they would delay in issuing a refund.
Complaint sub-issue: Other problem

On XX/XX/18 I called and was told I would receive my card yesterday XX/XX/2018 I call and ask where my card their response is no one ever marked it as such after speaking to five different ppl, its ridiculous
Complaint sub-issue: Problem getting your free annual credit report

Equifax Confirmation #  XXXX    XXXX   XXXX    XXXX   XXXX  GA  XXXX   XXXX   XXXX  File #  XXXX   XXXX   XXXX   XXXX  PA,  XXXX    XXXX   Report Number #  XXXX    XXXX   XXXX    XXXX   XXXX , TX  XXXX  To Whom It May Concern : This letter is to request the removal of the fraud alert on my personal credit report. My identification I have include my copy of my ID and current address :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , Oh  XXXX  DOB :  XXXX  Current Employer :  XXXX   XXXX   XXXX   XXXX   XXXX  Position :   XXXX   XXXX    XXXX  Cell Phone :  XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Since XX/XX/2021 to present date XXXX and Equifax are reporting inquiries and accounts that I do not consent to, authorize, nor have I benefited from. I have contacted the consumer reporting agencies and creditors to investigate this fraud and remove the inquires and accounts. I had been successful in removing several of these fraudulent accounts and inquiries but have not been successful in eliminating them all. I have called numerous times to the consumer reporting agencies and the creditors in question. I have also written to the consumer reporting agencies with proof of my identity, to request that the remaining fraudulent accounts and inquiries be investigated and removed. The most recent response I received back from the consumer reporting agency stated they would not be removing the inquiries and will continue reporting for 2 yrs. 
Between Equifax and XXXX I have 16 inquiries being reported that I do not consent to, authorize, nor benefit from. These fraudulent inquiries and accounts have put undo stress on myself and my family, defamation of my character, and credit slander. 
At no time did I give written instruction to the above consumer reporting agencies to report on my behalf. Pursuant to15USC1681b ( a ) ( 2 ) Permissible Purpose and 15USC1681 ( a ) ( 4 ) Accuracy and fairness, I am requesting the immediate deletion of the fraudulent inquiries being reported by XXXX :. 
The following ( 9 ) hard inquiries I DO NOT CONSENT TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUITY LOANS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting the the immediate deletion of the fraudulent inquiries being reported by Equifax : . 
The following ( XXXX ) hard inquiries I DO NOT CONSENT TO : XXXX XXXX XXXX XXXX XXXX XXXX - x2 inquires with this company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reported the identity theft thru FTC
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting me as 120 days past due on XXXX XXXX partial account number XXXX that has a {$0.00} balance and {$0.00} past due. This negative reporting is harming my score. I have disputed this directly with this bureau but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.
Complaint sub-issue: Their investigation did not fix an error on your report

A few months ago, I disputed a collection account on my credit reports from I.C. Systems ( collecting for XXXX XXXX XXXX XXXX on the XXXX XXXX XXXX to which after an investigation, it was found that they did not have the documents to prove I actually owed any debt and therefore on XX/XX/2022 I received a response and a letter detailing that they would be requesting deletion of their negative tradeline. Now there was a discrepancy in the amount owed they put on the letter compared to what was already being reported, ( which I didnt think would matter, as well as I think they did on purpose to cause these problems ) but I didnt really complain as I was for sure it would be automatically deleted from all my reports anyways. NONE of the credit reporting agencies removed them by their selves because I know for a FACT IC Systems Inc, did not actually request deletion, because I had to dispute the account myself on XXXX XXXX XXXX, who after a few short days deleted the negative trade line themselves. Disputed with XXXX ( who typically is the first to remove trade lines, which shows IC Systems never requested deletion. On XX/XX/2022 I disputed the collection with XXXX & provided the letter to them via PDF to prove that it should be deleted. On XX/XX/2022 I received the results and was told that the information was verified and accurately reporting which was a problem as I wasnt disputing if it was accurate, it needed to be deleted. So so reopened the case under a new topic saying the account is indeed closed, and today XX/XX/2022 I got the results and once again they said the information was accurately reporting. But this time they said they contacted the furnished of the information ( IC Systems Inc ) and that the furnished told them the account was in fact reporting accurately. BOTH XXXX XXXX I.C. Systems Inc are both being negligent and in fact are disrupting my financial future by not doing right by what IC Systems has already said they would. This reporting is actually quite illegal, and my attorney is filing litigation against XXXX XXXX IC Systems. Remove the trade line and litigation will cease. This isnt a joke or a game. And as for IC Systems changing the supposed amount owed and making it differ on the letter compared to what you are reporting is a very under hand tactic and is also extremely illegal as well. I dont know what type of games you all have going but this is why collection agencies have such bad reputations, but if you look at all their complaints this seems like normal practice for them unfortunately.
Complaint sub-issue: Information belongs to someone else

SEE ATTACHED collection agency has also failed to validate debt or show my ownership for such derogatory account.
Complaint sub-issue: Account status

Equifax states that information regarding a late payments was confirmed by XXXX XXXX XXXX. I have a letter from XXXX XXXX XXXX that the credit reporting agencies had been notified that the late payments are no longer reflected on my account. Equifax refuses to acknowledge the letter provided in my dispute and repeatedly claims that XXXX is validating that the information on my report is accurate. When I contact XXXX via phone they state they are not reporting the late payments.
Complaint sub-issue: Frequent or repeated calls

EQUIFAX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING EQUIFAX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Removal date : XX/XX/XXXX This Inquiry does not belong to me