Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

After reviewing my consumer report, I noticed that there were late pays still being reported. I Got a letter from my bank ( XXXX ) Verifying that I was never late and always paid as agreed. but Equifax and XXXX refuse to remove them after I sent them verifying documents certified mail to support my claim. I am not sure on the dates because my Equifax shows an error code which is making me unable to provide you with accurate dates. XXXX is also reporting the same inaccurate information ( Late Pays ) for XXXX. 
UNDER 15 USC 1666B THIS IS A BILLING ERROR ALWAYS PAID AS AGREED ON TIME THIS IS AN ERROR THIS ACCOUNT IN VIOLATION
Complaint sub-issue: Debt is not yours

Jefferson Capital Systems is repeatedly trying to collect a debt that it can not validate as mine.
Complaint sub-issue: Attempted to collect wrong amount

Not reporting correct date with credit grantor should be showing XXXX!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Credit Bureau Equifax, XXXX, and XXXX shared my credit report multiple times with multiple banks. I've also mailed all agencies over past 3 months regarding XXXX XXXX on my credit report asking for the original documentation for the account, and to date ( 75 days later ) still have not received the documentation. I've requested this information be removed from my account, but it still appears on my credit report. 
The Consumer Portal for Equifax has been down for months and I can not access the results of my dispute.
Complaint sub-issue: Account information incorrect

I settled an old account approximately 2 yrs ago with CONNs and they continue to report that I owe money to the credit bureaus. Ive hired a third party to help get this removed. Ive worked with the recovery department and they say theyre working on it and that theyll get back with me, and they never do. They say the account was transferred to a collection agency called XXXX. I settled the account, but it is Conns who continues to report to the credit bureaus. 
Ive missed out on multiple financial opportunities because of this inaccurate information
Complaint sub-issue: Debt is not yours

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

I previously expressed to the Discover Executive Office that the payment was too high considering the balance is cut in half. So then I proceeded to log into Discover and make a request for XXXX XXXX  on XX/XX/XXXX. Never got a response to that request whatsoever. 

Today is XX/XX/XXXX and I logged in again to see if there was any response and there was nothing. So I clicked on message an agent and expressed the issue. My message : I sent a credit assistance request on XX/XX/XXXX ( it is still in my sent folder in the Discover messages ) and no one has replied at all. The Reply message : One of our 100 % US based customer service agents will be with you as soon as they can. Feel free to return anytime, your message history will be saved here. My Message : It looks like someone is typing. Are you there? The Reply Message : Hi, this is XXXX in XXXX XXXX XXXX, I appreciate you reaching out about this. I'm sorry to hear that you have not received a response. To make sure I best assist can you please clarify what type of assistance you are needing? My Message : the payment I can not do this month. I also realize that since I closed the account the deposit was applied to the balance so the payment minimum will be far lower next month ( 3 minutes go by ) My Message : Still there? The Reply Message : Thank you for reaching out to us! Our representatives are currently out of office. We are available Mon-Fri XXXX ET, Saturday XXXX XXXX, and Sunday XXXX ET or call us at XXXX. My messages : What happened to 24/7 customer service? I guess I will have to file a complaint with the Consumer Financial Protection Bureau since the previous agent simply ended the chat. Hello? That is extremely rude to not even respond directly! 

No one ever responded to me directly nor came back on the chat. First it said there is 24 hour US based customer service and then I am simply ignored after that with some generic message posted. The point of accessing the chat is because no one responded to my initial email through the discover website. NO, I can not call in so email and chats are my only option.
Complaint sub-issue: Can't close your account

My wife XXXX XXXX XXXX and I, XXXX XXXX XXXX, have been clients of Credit Karma for years. We have done our taxes though them for the last 3 years. This year they decided to offer a savings account that your refund could be automatically deposited in. We decided to accept. We did but we were never given an account number nor an account number for this savings account. We tried to link my wife 's ebank info to this account but because it was under my name, they would not allow it. So I have been trying to set up an ebank account and finally achieved that on XX/XX/XXXX. Even tho, the check is in both of our names. Taxes were file on XX/XX/XXXX. On XX/XX/XXXX our tax refund of {$48.00} was deposited in said savings account. I have made contact by email, and online chats as Credit Karma in its great wisdom does not provide a customer service number so you can talk to a live agent. Since I was rightfully upset and told them I wanted the account closed since they would not let me link to the savings account now, I told them I had already complained to the better business bureau and intend to contact the MO AG and our local sheriff 's department. In the meantime, our stimulus check was deposited in Credit Karma savings account. So now there is {$2400.00} in said account.I have kept all of those complaints and their replies which are ridiculous.Next I get an email telling me that I have to use the phone to take pictures of my drivers license and a utility bill after logging into creditkarma.com/id-verification Okay, done. They send a code which they never asked me for. I did as they asked, took said photos which were promptly rejected. The email also told me that I would receive a counter check in 15 to 21 days after they accepted my id info. As I said it was all rejected and I was told to contact support again which I tried to do by chat but no agent ever showed up. I did report them to the XXXX XXXX XXXX of XXXX XXXX. However the bank they used for the savings account is XXXX XXXX, XXXX out of WV. I found out that a lot of people have had problems with Credit Karma savings accounts and the reviews are extremely bad. I will be closing all credit karma accounts and taking my taxes elsewhere from now on. 
As of XX/XX/XXXX XXXX XXXX I have received no reply email after sending yet another request to Credit Karma through member support to tell me how they intend to take care of this situation. So I can only assume that they do not care enough to provide a solution.
Complaint sub-issue: Information belongs to someone else

This letter is in regards to some misinformation reported currently on my credit reports. I would like these items deleted immediately. I have a fraud alert on all my accounts so i dont understand why or how this is still happening. i am a victim of identity theft and i have asked these credit agencies to delete these items and they are still there. i have enclosed a copy of my identity theft affidavit. please delete these as soon as possible.
Complaint sub-issue: Account information incorrect

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX of inquiry XX/XX/2021 XXXXXXXX XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/2021 XXXX XXXX XXXX Date of inquiry XX/XX/2021
Complaint sub-issue: Other problem getting your report or credit score

I've been trying to obtain my credit scores and reports through credit karma but i have had no success. I have submitted all proper identification they require and still no success. I have uploaded it into their system as well as mailed it.
Complaint sub-issue: Information belongs to someone else

XXXX collection agencies have been reporting inaccurate information to XXXX, Equifax, and XXXX. These are not my accounts. Yet the Credit Bureaus continue to report the negative information, even though I have done due diligence under the FCRA to prove these accounts are NOT mine. 

I attempted to secure a debt validation via certified mail from each collection agency on XX/XX/2020. All four collection agencies failed to provide debt validation. Furthermore, all four agencies are in violation of the FCRA, as they must provide debt validation within 30 days of my request ( 45 days during this pandemic ). It is over 60 days since the collection agencies signed for my request for debt validation, and they NONE of them have provided the debt validation. 

I contacted each credit bureau - XXXX, Equifax, and XXXX  - and explained the situation. Each bureau refused to remove the falFour collection agencies are showing up on my report. These four agencies are repse reporting from my report. 

On XX/XX/2020 I sent a certified letter to each collection agency once again, and each credit reporting agency, indicating that they were all in violation of the FCRA - reporting false information. I sent all agencies sworn and witnessed affidavits ( Justice of the Peace - see attachments ). All entities, including the Credit Agencies, have signed for the affidavit. 

I am a XXXX XXXX XXXX in XXXX Louisiana. I employee XXXX people. Due to the pandemic, I applied for a SBA EIDL disaster loan to save my business, and my employees jobs. I was denied the SBA loan, due to the false reporting of the collection agencies, and the refusal to remove inaccurate information on the part of the Credit Reporting Agencies. 

I have spoken to the Credit Reporting Agencies via telephone as well. These agencies found inaccurate information on my report, such as addresses, phone numbers, social security numbers, employers, middle intial differences, birthdate difference, etc. The Credit Bureaus agreed with me over the telephone that my file had " merged '' with another person of similar name, or that there was perhaps identity fraud involved, where I was the victim. XXXX  even removed certain items while I was on the phone with their representative. But none would agree to remove the false collection agencies reporting.
Complaint sub-issue: Problem with fees

During XX/XX/XXXX weekend, I have made {$30.00} purchase at XXXX Store using XXXX credit card ( # XXXX ). I have online XXXX 's credit card payment account with Email payment due advice. I have never got XXXX credit card paper statement by mail for 4 months or payment due advice by my valid email address by XXXX XXXX Credit card company. I understand that I should have checked my online account for payment due. It was my oversight mistake. During XX/XX/XXXX Month I got my XXXX credit card statement.Also, I have noticed my credit score reported drop my credit score from XXXX to XXXX for delinquent payment.In my entire life time, I was never delinquent on my any payment that i can prove with excellent credit score. 

So in XX/XX/XXXX month, I contacted XXXX 's credit card customer service to make a payment and settle this matter. XXXX XXXX credit card customer service person agreed to waive all {$39.00} late fees charged and make a bank debit of {$38.00} to my bank account as a payment paid in full on XX/XX/XXXX. I thought this matter was settled. However, XXXX 's credit card company still sending me payment due notice {$37.00} late fee with {$2.00} interest charge for each month for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXXand reporting my delinquent payment to credit bureau and ruining my credit history. 

I appreciate your help in this matter causing me a lot of stress. Thanks.
Complaint sub-issue: Public record

We are trying to refinance our house. 
Background : In XX/XX/XXXX my wife was laid off from her job. We tried to refinance our mortgage but could not as my wife was out of a job. We tried to get a loan modification from our mortgage holder, XXXX, for hardship as my wife was laid off and my son had to have XXXX at that time. After they had us go through the motions collecting all our data they said they could not modify the loan as it was a bundled loan they purchased and the investors would not allow it. The mortgage was originally with XXXX. After I sent letters to our congressman, XXXX agreed to temporarily lower the mortgage payments. After my wife got a new job, we tried again to refinance and instead XXXX said since she was back to work we had to pay back the difference of what we would have paid and what they lowered our payment within three weeks or they would foreclose on us. This was $ XXXX! We ended up taking the money out of our XXXX retirement account so they would not foreclose on us and again they said they could not refinance the loan. We could not go to another lender as the price of the house had dropped by about 50 %. 

We now are again trying to refinance after cleaning up our credit and house value finally coming back. Our credit union said my credit is still damaged because of a {$12000.00} Federal Tax lien from XX/XX/XXXX which was paid off in XXXX. We are trying to get Equifax to remove it from my credit report as it was paid off in XX/XX/XXXX.
Complaint sub-issue: Account information incorrect

Back on XXXX XXXX, XXXX I was informed by a mortgage lender that Flagship Credit was still showing a balance of {$10000.00} on a XXXX XXXX XXXX which was showing open on my credit report. I had surrendered the truck to them in XXXX and was informed to take my tags off which I did. On XXXX, XXXX I called Flagship Credit and I talked to a gentleman named XXXX ( which he never gave his last name ) about the truck loan. XXXX said that I have an unpaid balance of {$10000.00} but he could drop it down to {$7000.00} or as low as {$3500.00}. I asked how did you come up with those amounts. I asked if he could mail me proof of balance owed and to let me talk it over with my wife and I call him back. I later that day called back and spoke with another gentleman ( this never gave his first or last name ). He informed me that the loan would have to be paid off in 24 months at which he denied to except my {$50.00} a month payments. I then asked to speak back with XXXX and this gentleman said XXXX was at lunch but he would have him to call me back which he never has. I asked if he had my number and he replied its on the caller id. With no response I then emailed them on their website with this matter twice and still no response. I've since tried to access my account on XXXX XXXX which now says account is closed and log on is disabled.
Complaint sub-issue: Problem getting your free annual credit report

I attempted to gain access to my credit report on two separate occasions. 
XXXX- I sent a fax to Equifax per their request to verify my address and identity. This request was told to me by phone when I made the attempt to gain access to my free credit report by requesting it via their website. I never received the report and became concerned so I called in. They asked me to verify my identity. Since they have inaccurate information on my file which I am attempting to correct they could not verify my identity and denied access to my report. They asked me to fax in documentation of my current address, social security number, driver 's license/id and a utility bill. I faxed those documents to the number they provided me and never received the report. In XXXX I called back to follow up and Equifax then stated they did not receive my fax and I needed to re-fax the requested documentation. 

XXXX- I faxed the required documentation to Equifax . I still have not received my credit report. 
XXXX- I called Equifax to follow up on the second fax attempt. I can not get an agent on the phone line. The automated system informed me they could not verify my identity. The automated system hung up on me twice without connecting me to an agent. I made to call in attempts on this day.
Complaint sub-issue: Didn't receive advertised or promotional terms

Applied and approved for AAdvantage card from Citi in XX/XX/XXXX. We can see all of our miles on our statement as we earn them. However, when we logged in to use them in XX/XX/XXXX, our miles reflected XXXX. We contacted XXXX XXXX XXXX XXXX, who informed us the miles were posted to the incorrect account, and used. Only approx XXXX miles of the 45+k miles were unused ( which were transferred to our account in about a week ). The remaining miles we were informed that once they are used, even if we did not authorize them to be used by someone else, that we could NOT have them back. There were XXXX miles used on a booked, yet untraveled flight, which XXXX informed us they could give back to us if the flight was canceled and penalty fee paid. We were able to find out who used the miles. They did cancel the flight mid XX/XX/XXXX, and paid the penalty fee. The miles still have not been put in our account, and the other approx XXXX miles they say they can NOT give us. We contacted Citi bank, whom states they can not give them to us, as it is American whom issues the rewards. XXXX has given us XXXX as a courtesy, but we are still out several thousand miles, equating to several hundred dollars in flights. We also asked Citi if they would be willing to waive the annual fee due to the mistake, they refused. We have been working with both Citi and AA over multiple phone calls and complaints over about 2 months with no resolution in sight. It is not our fault that the miles were awarded to the incorrect account.
Complaint sub-issue: Public record

I have disputed a judgement that appears on my credit report from the XXXX XXXX. I have contacted the court, and they told me that they do not have a judgement in their docket, and could not give me any pertinent information about this. They even told me that if someone was to come into the office and search the Judgement dockets, they would be unable to find information on this alleged case. After this, I disputed this with Equifax, and in only one day, Equifax closed the case ( the investigation started on XXXX/XXXX/2015 and ended the same day ) and they refused to change the information.
Complaint sub-issue: Information belongs to someone else

XXXX and Equifax are reporting unauthorized inquiries on my credit report. I did not give authorization for XXXX XXXX XXXXXXXX, XXXX XXXX or XXXX to gain access/pull my credit report. As a result, inquiries are listed. There are no open accounts listed on my credit report with these creditors and therefore, the inquiries should be removed immediately. This is my second request for Equifax to remove XXXX XXXX and XXXX. I've made several phone calls to attempt to have this matter resolved, but Equifax is still reporting inaccurate information. I am a victim of identity theft ; someone stole my social security number and has been trying to open up fraudulent accounts, which is resulting in unauthorized inquiries.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hard Inquiries Pull on Account Back to Back- When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a dent in your score. Here are the inquiries on your XXXX report. 

XXXX XXXX BANK XXXX : XX/XX/XXXX - Bank ( XXXX ) XXXX See an error? 
Find out how to dispute a hard inquiry Institution Information XXXX XXXX BANK XXXX XXXX XXXXXXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX BANK XXXX : XX/XX/XXXX - Bank ( XXXX ) XXXX See an error? 
Find out how to dispute a hard inquiry XXXXnstitution Information XXXX XXXX BANK XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX
Complaint sub-issue: Was not notified of investigation status or results

Sent letters asking to validate and remove false, non metro 2 compliant, misleading, also false information from account and it was never responded to remove.
Complaint sub-issue: Information belongs to someone else

I have contacted the company and the credit bureau several times and advised them that this is not my account. This account is not listed under my social security number because it, it not my account. It should not be on my credit report. I would like this inaccurate information removed from my credit immediately.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Charged too much interest

In a personal audit we found evidence that Citi Cards was charging us interest on a balance transfer that was already paid off. We have combed through years of statements and found many months where the balance transfer offer keeps reappearing on our statement with interest charges even after the card was paid in full several times. We contacted Citi Cards on XX/XX/XXXX and spoke with several people who couldn't understand the problem and finally spoke with a supervisor who said they would start an internal audit and return our call on Monday XX/XX/XXXX. He called on that day and said that they were still working on the issue and they would call within 2 days. We called again XX/XX/XXXX and they said our supervisor was out and would call XX/XX/XXXX. He did not return our call. We called again XX/XX/XXXX and they said they could not see that anyone was doing an audit and our account was locked so only they supervisor we talked to can work it. We requested a return call again. We are beyond frustrated and looking back this is a pretty substantial sum of money. No one can explain why we are being charged interest on a balance transfer that was paid off. I have attached two statements below. XX/XX/XXXX I have highlighted that the balance transfer offer 10 shows a XXXX  balance and then in XX/XX/XXXX, it is back on the card with a balance and interest charges. We believe this occurred with two seperate balance transfers over the last 3 years. There are many more examples.
Complaint sub-issue: Account status incorrect

Hi. I will attach photos later of the Chats I have had with Citi. I also spoke with an agent in early XXXX to boot. Their handling of my accounts has been atrocious, esp during the pandemic. I have stayed on top of all 3 accounts I have with them, however they allowed one to report 30 days late to the credit bureaus. I need help with all 3 bureaus to have this deleted/reversed.