Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX  this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Information belongs to someone else

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Old information reappears or never goes away

I do not recall ever opening these accounts. My military service began in XXXX, so I was not attending college : XXXX XXXX XXXX opened on XX/XX/XXXX, last active on XX/XX/XXXX. {$45000.00} XXXX  : Opened in XXXX, last active XX/XX/XXXX, {$23000.00} XXXX  : Opened in XXXX, last active XX/XX/XXXX {$22000.00} These accounts are old, so I would like to have them removed from my credit report : XXXX  XXXX XXXX  : Opened in XX/XX/XXXX, last active XX/XX/XXXX XXXX XXXX  : Opened XX/XX/XXXX, last active XX/XX/XXXX XXXX XXXX  : Opened XX/XX/XXXX, last active XX/XX/XXXX XXXX  XXXX : Opened on XX/XX/XXXX, last active XX/XX/XXXX XXXX  : Opened on XX/XX/XXXX, last active XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I filed a dispute with Equifax for a collection item that is reporting on my credit report that is not mine. I provided an ID theft affidavit and proof of my identity. The item is still reporting on my credit report despite several efforts to remove it. After calling the Credit Bureau on the phone they stated that the reason is the Identification I sent was not legible, even though the copies I have are clear. I have attached the proof of identity information that I sent to Equifax. I hope that you can help me resolve this matter.
Complaint sub-issue: Debt was paid

In accordance to the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

HUNTER WARFIELD INC.

15 U.S.C 1681 Section 602 A. States I have a 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: Debt is not mine

My wife, XXXX XXXX XXXX, received a phone call on XXXX XXXX, 2015 from E.R.C using a phone number of XXXX. They started asking her all kinds of questions so she called me and I called the company back at XXXX. They said that their conversations were being recorded and that they were an XXXX company. I tried to find out what this was all about but they would not talk to me. I told my wife to call them back and give them permission to talk to me. 

After several phone calls back and forth it was determined they had the wrong person. I called and told them to delete my wife 's phone number and XXXX from their records or I would file a complaint. 

Yesterday, my wife had an incoming call from XXXX but she did not answer the call. 

This morning, XXXX/XXXX/2015, I received a call from XXXX wanting to speak to XXXX XXXX. I told them they had the wrong person and I gave them the last XXXX of my wife 's SSN and she said it did not match their records. The female then wanted me to give them my wife 's DOB which I refused to do. I then called them back and asked to speak to a supervisor. The supervisor, XXXX XXXX said the company was Enhanced Resource XXXX of XXXX XXXX XXXX, XXXX, Florida. I told him to stop calling us and to remove both numbers from his list and that I was going to file a complaint. 

After I got off the phone with him, my wife told me they attempted to call her again yesterday. 

I want to file a complaint so they will stop harassing us.
Complaint sub-issue: Information belongs to someone else

There is an account reporting on my credit report that I have no knowledge of. I contacted XXXX XXXX to verify the account information, but they said they have nothing on file. I gave them the account number reflected on the credit report starting with the numbers XXXX and ending in XXXX which they said they have no record of the account. Then I asked them to run my social security number and they told me that they did not have any accounts attached to my social security number. So they are unable to verify this account but yet they are reporting to the credit bureau. I believe this is a fraudulent account and I would like help getting this resolved. 

sincerely
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

My complaint is with US Bank Visa and XXXX XXXX, XXXX 
I placed an order for windows in XXXX of XXXX ' with a deposit on my US bank visa for {$3900.00}, a balance of {$7900.00} was due at installation completion and signoff. 
In XXXX of XXXX, the installation, and cleanup began, but was never completed and signoff never happen. The lead rep on the job was supposed to return to bring screens and complete a walk through and signoff, which never occurred. We found a damaged window and a need for screens on two windows to be added to complete installation. 
The lead rep never returned and the only indication that i had that the job was complete from their perspective was an unauthorized charge to my credit card. This was deemed to be illegal from all sources i managed to check, including US bank reps. 

I have tried to contact the merchant, who did not have my authorization to charge my card, with a supervisor from the credit card company. I left a message with the merchants answering service, which was recorded by the US bank, which i never received a reply. 

I have been working with US Bank since XXXX, which is when i noticed the charge on my credit card statement. I have made XXXX calls to the credit card company over XXXX months without success. I was told that because i did not respond timely to an inquiry they made, which i never received, that the case was closed and could not be revisited period. Later i was told by a supervisor that this was not completely accurate ...... 

My complaint is the following, with both the bank and the merchant : how can you charge my account without my authorization? This is a question that the bank could have answered on day one, but they have not, so if i had an oversight of a call, which i have not, they should have been able to answer this question on my initial inquiry. Why has the merchant not been contacted to see why they charged the account without authorization? Had they bothered, i am certain the transaction would have been resolved by now. Since the merchant and i both are paying for the bank 's service, why are we not treated equally with this transaction? Am I not able to get a hearing from the credit card company? Finally, the credit card company told me, which I still did not get an answer to my original question of why, but told me that i could claim a lesser amount to dispute because part of the job was completed. I did not agree, but i capitulated in an attempt to bring closure, but this too failed as the bank never responded to this solution either, which they suggested. Final complaint, they charged me interest on a dispute, which they claimed to restore, but the never did. Why am i paying interest on a dispute?? 

I can provide bills, contracts, account numbers and statements at your request
Complaint sub-issue: Threatened or suggested your credit would be damaged

XXXX XXXX XXXX is reporting on my credit report with XXXX and amount is for XXXX. I have sent XXXX XXXX XXXX debt validation on XXXX XXXX, 2017 and XXXX XXXX XXXX has not responded
Complaint sub-issue: Charged too much interest

I have a Citi Double Cash mastercard. Per Citi, the interest rate for purchases is 15.995 %. I mistakenly underpaid my XXXX statement by {$20.00}. I was charged {$22.00} in interest for this {$20.00} mistake on my XXXX statement. I called Citi to ask about the {$22.00} interest charge and they pointed out my {$20.00} mistake and agreed to remove the interest charge. I also then immediately paid {$100.00} to the Citi account to cover the {$20.00} shortage, and to make sure that any interest would stop accruing. I also paid my XXXX statement in full a week later ( before the due date ), then also received a vendor refund for {$210.00} before the XXXX statement due date, effectively meaning that my credit card account was overpaid ( i.e. the combination of my payments and vendor refunds was more than I owed to Citi. ) Yet, in my XXXX card statement, Citi charged another {$63.00} in interest charges. Citi representatives say that this is additional interest accruing on the {$20.00} underpayment from XXXX ; the representative says that even if the account is paid in full, Citi continues to charge interest for at least two additional months!. Citi refused to remove this interest charge. By my math, the two interest charges amount to more than a 2,500 % interest rate on the {$20.00} underpayment ( vs the purported 15.995 %, plus Citi 's initial claim that they would remove the interest from my account as I made a small mistake. ) It is criminal and/or unethical that Citi 's interest charges amount to >2,500 % annual rates, and that Citi continues to accrue interest for at least two months even after the account is paid in full!
Complaint sub-issue: Trouble with how payments are being handled

I refinanced my student loans with CommonBond in XX/XX/XXXX and there was an overpayment upon payoff. A refund was issued by the prior servicer ( XXXX, a XXXX  company ) on XX/XX/XXXX but XXXX ( CommonBonds servicer ) continually tells me it has not been received that refund and that I should contact the prior servicer. This has created a continuous loop where I ask the prior servicer if the payment was sent and they confirm it was sent then XXXX tells me it hasnt received the funds and to follow up with the prior servicer. Ive done this 3 times now. No one can provide any answers or steps that need to be taken to resolve where these outstanding funds are located and when they will be applied to my account.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been disputing this same charge off auto account with both bureaus ( XXXX & Equifax ) for the past year. None of the information is the same across the board. They tell me each time they've verified this account all year when none of the information matches. From my understanding, charge off accounts are not supposed to show a past due balance. Equifax shows {$3500.00} past due while XXXX shows {$10000.00}. Just a month ago, XXXX   showed {$10000.00}, so charges are being added and I have NEVER made a payment on this account after it was closed. Both bureaus are showing a different Date of Last Activity date as well, Equifax shows XX/XX/2019, how was this last active that date when the account wasn't last active until beginning of XXXX and I still had the vehicle? XXXX is showing Date Last Active XX/XX/2019. The balance is also inconsistent, Equifax is showing {$10000.00} while XXXX is showing {$10000.00}. Equifax doesn't even have the type of account listed its ridiculous. My point is, if these accounts are coming back verified at the SAME time from the SAME creditor SOMEONE IS WRONG and someone didnt take the actual time to do it correctly. So for their apparent neglect in ensuring ACCURATE, CONSISTENT, and UP-TO-DATE info on my reports, I want them deleted from my credit reports. This is ridiculous and I shouldn't have to keep telling them the same thing for almost a year. XXXX alsways tells me the account is updated as verified and Equifax never sends me a response except for a darn credit report and its getting really frustrating.
Complaint sub-issue: Account status

I disputed amount owed. This account in closed and turned over to collections/ charged off but balanced owed increases weekly. Originally dated of dispute is XXXX/XXXX/17. Company has failed to respond within 30 days and has yet to remove account from credit report. Also said company is scheduled to garnish federal refund. This is account is closed and in collections/charged off, balance increases weekly, and set to offset federal refund for amount other than what 's reported on credit report also has failed to respond to dispute.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXXXXXX Date Opened : XX/XX/2015 Balance : {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Account status incorrect

I have a structured settlement agreement with Citibank concerning a outstanding debt. The settlement was agreed upon between my lawyer XXXX XXXX on behalf of myself and a my contracted debt settlement company, XXXX XXXX XXXX, and the debt collector for Citibank XXXX, a law firm in Virginia. The account was settled last year in XXXX of 2021. I have a copy of the settlement with a payment schedule which has been adhered to being paid by XXXX XXXX. 

Citibank is currently reporting the incorrect balance and a failure to pay on my credit report. Since the settlement last year. I have attempted several to contact Citibank and correct this issue, but they direct me to XXXX. 

My lawyer XXXX XXXX contacted XXXX last week, they stated the do not report to the credit bureaus and that is done by Citibank. 

After contacting Citibank several times I can not find a person to assist me and the keep giving me a tun around. 

I have filed several disputes with the credit bureaus but the keep finding in favor of Citibank This has been going on for over a year now the balance is incorrect and so is the payment history with the negative impact on my credit reports.
Complaint sub-issue: Report improperly shared by CRC

In XXXX, XXXX charged an amount of XXXX with XXXX.  This collection company placed the account on my credit reports.  The account was disputed and removed XXXX.  Approximately XXXX, XXXX place the account with XXXX.  XXXX placed the account on my credit report again with a XXXX origination date and with an amount that differed by $1.  I informed Equifax that they already removed this disputed item and now it has been placed again.  They concluded the dispute and stated that it should remain.
Complaint sub-issue: Company closed your account

After 13 years of card membership and no significant issues, and without warning, Discover Card chose to close my account on XX/XX/2018, exactly 1 month after increasing my credit line by 40 % ( from {$1500.00} to {$2100.00} ) on XX/XX/2018 -- following a review where they stated : 1. " Congratulations! Due to your overall excellent credit management, we've increased your credit line to {$2100.00}, of which {$1200.00} is available as cash. Your new credit line is now active to give you more purchasing power and flexibility when you need it. '' 2. Why did I receive a credit line increase? " To recognize the responsible credit management you have demonstrated over the years, we have increased your credit line. '' 3. Did Discover pull my credit report to make this decision? " Discover receives a copy of your credit report each month for maintenance using soft inquiries, meaning there is no impact to your credit. This information was used in making the decision to increase your credit line. '' Nothing changed on my credit profile or report, the account was in good standing, paid on time with had no recent late payments, and had a balance of {$0.00}. My credit score remains " good. '' Either their processes and procedures are inconsistent, undefined, or they are completely incompetent.
Complaint sub-issue: Keep getting calls about your loan

XXXX/Nelnet purchased my loan from XXXX recently. Initially they sent 2 letters, one of which  incorrectly stated that they purchased my XXXX loan, which they did not. I set up my account and made my first payment which has been withdrawn from my account. Since then, they have never contacted me, however have called my parents dozens of times insisting that I am delinquent on payments. When I called XXXX to discuss the matter, they confirmed that they had called my parents and that my account was paid up to date. They offered no explanation and refused to discuss it any further. They informed me that my parents should no longer be receiving calls. Since then, the calls have not stopped and my parents have continued receiving calls that still insist I am late on payments.
Complaint sub-issue: Reporting company used your report improperly

XXXX, XXXX  and Equifax : I am requesting affidavit forms to be sign and notarize by a senior XXXX  verifying my signatures that willfully comply with authorization to furnished a credit reports, files or consumer reports on my behalf. I did not give XXXX, XXXX  or Equifax ( consumer reporting agencies and bureaus ) consent to allow creditors to used a statistical tool to evaluate information associated with extending credit to me. In pursuant for a creditor after the credit report is assessed, I did not give consent for XXXX, XXXX  or Equifax to create a report or file to fulfill the creditor 's actions. In pursuant of the score is calculated as a result of data processing activities performed by XXXX, XXXX  or Equifax, I did not give consent. In pursuant to scores are calculated on upon the request of a creditor, I did not give consent to XXXX, XXXX  or Equifax to create a report or file to furnish to creditor or alike. I did not give XXXX, XXXX  or Equifax the consent to create a credit history information in my credit report or file, including the inquiries, outstanding balances, number of accounts, age of accounts, etc.. to calculate a score. These credit reports or files are FRAUDUENT. Because, I did not give any written consent to disclose any of my financial transactions, medical history and any information regarding a credit score. No consumer reporting agencies or bureaus shall use any false, deceptive or misleading representation or means in connection with collecting any debt. XXXX, XXXX  and Equifax falsely claim to have authorizations to create credit reports and files. XXXX, XXXX  and Equifax shall refrain from acting aggressively to report negative information to a consumer 's file and report due to a fee and mutual agreement with the creditor. I will like for you to reinvestigate and send me the requested affidavit ASAP.
Complaint sub-issue: Information belongs to someone else

I noticed an account on my report I do not recognize
Complaint sub-issue: Public record information inaccurate

On XX/XX/2021, I sent a dispute letter to Equifax Credit bureau about a bankruptcy on my credit report. It came back as verified. Equifax is in violation of the fair credit reporting act because this information was not verified, because I have a written letter from the courthouse stating the U.S. Bankruptcy Court does not provide information to any credit reporting agency. In addition my XX/XX/XXXX account is frozen.
Complaint sub-issue: Debt was result of identity theft

On or about sometimes in XX/XX/2020 i submitted a dispute into a credit card from XXXX XXXX XXXX # XXXX Sold to Afin collection Agency. On XX/XX/2020 Afni completed its investigation in to my dispute # XXXX, Ruled the account as fraud due to Identity theft. Till this date the company still have not sent me a letter confirming the account has been resolved in my favor. Which is in violation of my due process rights per the FCRA where the complaintant be aware of the company disposition.
Complaint sub-issue: Account terms and changes

I was enrolled in Citi IdentifyMonitor without my consent and was charged a monthly fee. The program was offered by Citibank NA. The Sent me a letter telling me about a refund I am owed,
Complaint sub-issue: Sued you in a state where you do not live or did not sign for the debt

ICON Equities sued me in the State of Alabama and received a Default Judgement. At the time of the filing and judgement, I was not notified nor was I living in the State of Alabama, I was living in North Carolina, where the statute of limitation on debt is 3 years. I contacted the Firm XXXX XXXX XXXX, XXXX representing ICON Equities on XXXX time XXXX Eastern  spoke with a XXXX XXXX who told me the case was closed due to me being in North Carolina the firm has my correct address. I contacted XXXX XXXX XXXX today on XXXX. The court explained to me that the judgement is still open. ICON Equities has not withdrawn the case.