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

On XX/XX/2019 an application was ran in my name at XXXX XXXX   XXXX in error, without my knowledge of consent. As a result SEVERAL authorized inquiries appeared on my credit report age Ive had XXXX getting the inquiries removed. Ive reaches out to the companies individually and Equifax to fix the issue. They give me the run around instead of really investigating the problem. XXXX XXXX   XXXX has written letters to the credit bureaus as well to have them removed. XXXX  as in XXXX XXXX XXXX XXXX is actually listed on the letter enclosed however neither XXXX  XXXX nor Equifax has complied with the request. XXXX XXXX XXXX is another inquiry from the XXXX incident but did not appear on my XXXX  report so its not listed on the XXXX  letter, however Equifax received a letter directly from XXXX with XXXX XXXX XXXX included. Ive reached out to XXXX and Equifax about this issue as well, no compliance! I have also never done business with XXXX XXXX.
Complaint sub-issue: Public record

My credit has been damage due to this judgement remaining on my credit. I have disputed this claim of judgement with all bureaus of investigation. XXXX XXXX, did not remove or offer opportunity to remove from credit.
Complaint sub-issue: Their investigation did not fix an error on your report

credit bureau and company XXXX XXXX violated hippa law with documents they sent, and did not send verification of debt as requested. Company stated would removed from my credit reports and all bureaus did not follow as said it will. I have reached back out to both the company reporting XXXX XXXX on my credit report and the credit bureaus and no response or resolution of the items deleted.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2022 I disputed unauthorized accounts that were allowed to be furnished on my consumer report by equifax. Equifax did not respond to my dispute properly on credit file date XX/XX/2022 confirmation number XXXX. They responded that the accounts were verified when I didn't dispute the validity of them. I sought to exercise my right to privacy for those disputed consumer credit transaction accounts. The accounts are extensions of credit which are transactions between me the consumer and the person making the report. The FCRA was written by congress to protect consumers from this careless behavior by equifax and not respecting my right to privacy. 15 USC 1681 ( 2 ) ( i ) excludes these extensions of credit private transactions on my consumer report. I am protected from this by the fair credit reporting act. The consumer credit transaction accounts were also furnished by equifax without my written consent. I will seek litigation if this matter is not resolved immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

IN XXXX OF XXXX .I CONTACTED XXXX ABOUT MY CHARGE ACCOUNT .I TOLD THEM MY HUSBAND LOST HIS JOB IN XXXX.BUT I STILL CONTINUED TO PAY THIS CREDIT CARD IN GOOD FAITH .TO REPAY DEBT.I MADE.I TOLD THEM MY HARDSHIP CAME DOWN TO PAYING TO KEEP THE ROOF OVER MY FAMILIES HEAD. I ASKED THEM IF THEY COULD LOWER MY PAYMENTS.I TRIED TO MAKE A {$100.00} PAYMENT THEY REFUSED THE PAYMENT.I CONTINUED TO TELL THEM I COULD NO LONGER AFFORD TO PAY ALMOST {$200.00} A MONTH WHICH I PAID THAT AMOUNT EVERY MONTH FOR ALMOST 2 YEARS.I MADE THE PAYMENT XXXX TURNED AROUND AND GAVE ME A NEGATIVE REPORT THE SAME DAY WITH THE CREDIT BUREAU .I MADE THE PAYMENT.THERE REPORT AFFECTED MY CREDIT SCORE.LYING AND SAYING NO PAYMENT WAS EVER RECEIVED WHEN THEY TOOK THE MONEY OUT OF MY ACCOUNT.IN XXXX I TALKED TO 3 DIFFERENT PEOPLE TRYING TO NEGOTIATE THIS ACCOUNT .MY BALANCE DOESNT LOOK CORRECT FROM ALL THE PAYMENTS MADE. I EVEN HAD PROMOTIONS STARTING FROM XXXX FROM XXXX AND XXXX THAT WERE NEVER HONORED.I NEVER REFUSED TO PAY MY DEBT. XXXX REFUSED TO LOOK AT MY ACCOUNT AND REFUSED TO ACCEPT A LOWER PAYMENT FOR ME.AT THE END OF XXXX THEY SENT A STATEMENT ABOUT A PAYMENT FOR {$57.00} AND THEN SAYING THEY WOULD OFFER ME PAYMENT ARRANGMENTS WHICH IS A LIE .AND THEY THREATENED TO TURN ME INTO A COLLECTION AGENCY..IF THERE PHONE CONVERSATIONS ARE RECORDED.IT WILL BE NOTED ALL THE TIMES I CALLED TO NEGOTIATE MY ACCOUNT.THEN A FEW DAYS AGO XXXX XXXX I RECEIVED A NOTICE FROM XXXX ABOUT A CREDIT TO MY ACCOUNT FOR {$36.00} FOR A DEBT PROTECTION PROGRAM.THAT XXXX REFUSED TO GIVE ME BECAUSE OF ALL THE INTEREST THEY WERE MAKING OFF OF MY ACCOUNT.AND THE XXXX STATEMENT SAYS I 'M 4 MONTHS BEHIND HOW IS THAT WHEN I MADE A PAYMENT IN XXXX AND MY PAYMENT DUE DATE ISNT UNTIL THE XXXX OF EACH MONTH.
Complaint sub-issue: Account status incorrect

XXXX XXXX  XXXX is being reported inaccurately on my report. I contacted XXXX XXXX to advise the about a hardship due to covid 19 and that I would be paying the car off within 2 months ... .They agreed not to report late payments due to this hardship due to the pandemic. and I in part held up my end of the bargain and paid the car off last month. I need them to delete the late payments that they reported as we had an agreement and this was cause by a pandemic. also they are still reporting a balance on my report and have not updated since XX/XX/2020 ... please help me
Complaint sub-issue: Information belongs to someone else

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Complaint sub-issue: Card was charged for something you did not purchase with the card

In XXXX, XXXX, I noticed that I have been charged $ XXXX monthly by a company called XXXX XXXX XXXX. Their website is XXXX. 

I checked my past statements and realized they have been charging my CitiBank credit card for over a year. This was all done without my knowledge or consent. I did not recognize these charges and investigated. I saw that it is a company that sells real estate reports on properties. 

I never sought their service. I did not even know their company 's existence. I never received any product or service from them, nor did I ever attempt to make any purchase with them. I definitely did not agree to pay them $ XXXX for so many months. 

I reported this issue to CitiBank. They ruled in favor of the merchant, who claims that I have been authorizing these charges every month for their product or service. 

I have not ever received or used a single product or service from this subscription they have been charging me for. I did not agree or consent to these charges. 

CitiBank ruled in favor of the merchant without even listening to my concerns or statements. The merchant could not even provide proof that I used their product or service even once. Again, I did not make this purchase. I did not agree to any of it. Why am I being held liable for fraudulent charges that I did not myself make? Why am I being held liable for fraudulent purchases for which I did not use any of the product or service? 

CitiBank sides with businesses that participate in credit card fraud and predatory business practices. As a CitiBank customer for over 30, maybe 40 years, this has been an extremely disappointing and haunting experience. I am out thousands of dollars, and my bank is not protecting me when I am clearly a victim of credit card fraud.
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: Billing problem

I originally signed up with XXXX XXXX in XXXX, which was purchased by XXXX in XXXX. The amounts being withdrawn from my checking account to pay for the panels do not even cover the interest due. I have made additional payments only to find out that I am now behind on interest again by {$200.00}. I made a $ 325+ payment in XXXX to cover the shortage ... and I have been making payments for 4 years now and my balance is the same as when I started. Why does NONE of it go toward principal? 

When I call and ask them to increase the amount to a fixed amount, they are unable to do this. If I pay extra, the extra amount is taken from the next month 's due date. The only way I am able to make principal reductions is in minimum payments of {$500.00}. I have requested on several occasions to have my additional payments go toward principal and have been denied. I want to pay a fixed amount regardless of what the interest due is. I want the additional funds to reduce the principal balance. 

Since solar panels have a limited life, I am afraid when my 30 years is up, I'll still have the same balance because they are collecting LESS than interest due so I am always behind, with no way to come up to current - how fair is this?! I have requested to be put on a 10-15 year fully amortizing payment, and they state it is impossible. How am I ever going to pay this off? What happens at the end of my 30 years and I have expired panels and a {$27000.00} balance ( Original bal )? This seems predatory and deceitful, and I am getting no where talking to the support staff. Furthermore, there is no way to talk to a human being, it is only via email. I really need help in navigating this company - I am just trying to reduce carbon footprint and am afraid I got myself into a boondoggle!
Complaint sub-issue: Information is not mine

Since XXXX XXXX, XXXX I have repeatedly asked Equifax , XXXX, and XXXX to remove an item on my credit report that was caused by an authorized user back in XXXX. The above agencies keep telling me that the reporting is accurate and refuse to remove XXXX XXXX XXXX account number XXXX as an item that does not belong to me. 
On XXXX XXXX, XXXX I contacted XXXX XXXX XXXX and asked them as a Good Will gesture to remove this item so that I could purchase a car. 
I received a letter from XXXX XXXX XXXX asking me to call them. I called them this morning, XXXX XXXX, XXXX and spoke to XXXX then manager XXXX at XXXX. I was told that they had to accurately report MY credit and that they could not remove said item from XXXX, XXXX or Equifax. I quote to them that they were in violation of Section 1681n and Section 1681o of the Fair Credit Reporting Act. ( This is not my account ). 

I was refused a good will gesture because I was the primary on another account that was linked to this card. I was never on this bank card and should not be penalized for something that I did not do. I am including copy of that letter, copy of credit bureau update, and copy of my fourth letter to all agencies asking them to remove said item from all three agencies.
Complaint sub-issue: Reporting company used your report improperly

I never signed a contract with this company therefore they have no right to report on my credit
Complaint sub-issue: Their investigation did not fix an error on your report

EQUIFAX HAS NOT RESPONDED TO A CREDIT DISPUTE SUBMITTED TO EQUIFAX ON XX/XX/XXXX,, 2021 AGAINST XXXX XXXX. I HAVE PREVIOUSLY CONTESTED THIS INCORRECT DELINQUENCY REPORT WITH XXXX XXXX  DIRECTLY IN XX/XX/2021. XXXX XXXX  REFUSED TO CHANGE THE INCORRECT DELINQUENCY CITATION. I AM REQUESTING THAT EQUIFAX INVESTIGATE THIS AND CORRECT THEIR FALSE DELINQUENCY REPORT ON THE XXXX, 2021 LEASE PAYMENT A/C # XXXX. 
XXXX XXXX, XX/XX/2021 2021
Complaint sub-issue: Reporting company used your report improperly

The following companies have inquiries on my credit report that I did not authorize, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX, XXXX.
Complaint sub-issue: Account information incorrect

Account shows pass due payment in XXXX. Card has been paid off since XXXX. No activity should be shown on account after XXXX.
Complaint sub-issue: Personal information incorrect

I have a few inaccurate items on my credit report, my name is XXXX XXXX XXXX please remove/delete any variations of my name. I live at XXXX XXXX XXXX XXXX OH XXXX please remove/delete the following addresses they are not accurate:XXXX  XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX , OH XXXX
Complaint sub-issue: Old information reappears or never goes away

I have a XXXX XXXX XXXX account that was closed and now it has been reported on my credit report twice. 

My son XXXX XXXX XXXX, was born on XX/XX/XXXX, He works for the XXXX   XXXX and is XXXX  years of age. This account was closed out in XX/XX/XXXX when my son turned XXXX years of age. My credit reports ( all 3 bureaus ) reflected the following data on the file. There was a previous account that was closed and transferred, and stated closed, current in good standing and no late payments. The new account was opened in XX/XX/XXXX ( 9 years 6 months ), monthly payment each month {$0.00}, current payment status ( XXXX   late 's ) This account was closed out when my son turned XXXX years of age and it can be viewed in past credit reports. Now I have two accounts that were previous closed reopened and re-aged ( which is illegal per ( FCRA ) and the accounts showing double reporting ( which is illegal and against the ( FCRA ) As I only have XXXX  child. The information reported on the account from original account that was closed and transferred, is now different from the original filing on my report. 

It is showing opened on XX/XX/XXXX ( 17 years and 9 months ) Monthly payment {$780.00}, last payment XX/XX/XXXX, payment status as CURRENT AND wrost payment status NO INFO. But then it shows late 's from XX/XX/XXXX through XX/XX/XXXX. My son was XXXX years old in XX/XX/XXXX and is now XXXX years old in XX/XX/XXXX. The was no child support, because he was and is a adult.. It shows that the account was closed on XX/XX/XXXX. This account was closed years before the 2nd account was open in XX/XX/XXXX. It is well past the 7 year time frame and is in violation of the FCRA, due to re-aging, double reporting, inaccurate information, in all areas of the account and must be deleted and not reported again, based on The Fair Credit Reporting Act, 15 U.S.C. 1681 ( FCRA ) is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. 

This error, has caused a major hardship on me personally and financially and I would like these intentional violation of the law corrected, in a timely fashion. Equifax is the only bureau, that has allowed and been a party to this gross, violation and disrespect for the law. The other agencies have operated with honor and professionalism, in this matter.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2019 I submitted a dispute of an error on my credit report which was for a collection placed by a company called XXXX XXXX XXXX who reported the collection for the original creditor XXXX. I reached out to correspond and request debt validation as I had never received any information from the original creditor or XXXX XXXX XXXX about this debt including any bill or utility usage. XXXX XXXX named XXXX stated that she didnt know why I was getting a collection reported on my credit by XXXX XXXX XXXX because they use XXXX XXXX and not XXXX XXXX. I submitted evidence to XXXX XXXX XXXX, XXXX, XXXX, CFPB, and XXXX  proving that I moved and that this collection is an error on my report. 

FDCPA and FTC law states : 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt.

This debt should be removed from credit reports and collection stopped if not validated within the given time frame.

This debt has never been validated to me after correspondence and I check my mail everyday. The only way I found out about it was through my credit report. My wife is also witness to this bogus debt harassment by XXXX XXXX XXXX. 

XXXX XXXX of XXXX XXXX has put into writing on XXXX separate government regulated websites that this debt that XXXX XXXX is trying to collect on is not shut of with XXXX until XX/XX/2019. It also says it was opened XX/XX/2019 which is false and untrue considering I am paid in full and up to date on my XXXX bills. 

Now XXXX and other resources I have used as a consumer have failed to properly investigate and remove this error from my credit which is a violation of my FCRA rights!
Complaint sub-issue: Didn't receive advertised or promotional terms

On XX/XX/XXXX I wrote a secured message to Citibank about some issues with their card and they replied in a timely manner ( about 4 hours ) in the email they agreed that if I made a minimum payment they would credit me all interest accrued in the last year. I called in and spoke with a rep that was unable to credit the entire amount but did verify it was supposed to be credited. Upon escalating to the office of the president XXXX XXXX claimed no more was going to be paid and that I was given bad information. He refused to honor what had been already promised to me
Complaint sub-issue: Received bad information about your loan

Hi, I have student loans with My Great Lakes.

Their website says that they offer statements in PDF form, although the only way they are capable of doing that is through the mail. 

I requested past statements on CD 1 year ago, and they sent them. Almost 4 months ago, I again requested past statements on CD. 

They gave me endless reasons of why they are capable of doing so, but refuse to do so. And then, recently, they decided to stop all paper communication in the mail, despite clearly acknowledging in writing that they would continue paper statements, send past statements on CD, and send future statements in both paper and CD Format. 

So now, perhaps as retribution, I have neither paper nor PDF statements. 

The only email with a name was signed XXXX, from Customer Experience Response Team.
Complaint sub-issue: Problem with customer service

Approximately 2 months ago I got a temporary forbearance which I was assured through a chat message with the Sallie Mae customer service that I could have it extended up to 12 months. I tried to extend it the first time, as my low income and living arrangements had not changed since then and I was denied. They lied to me, and are now demanding that I pay an amount I can not afford on XXXX.
Complaint sub-issue: Didn't receive enough information to verify debt

On my XXXX account I am showing a balance of XXXX on my debt. XXXX from eos cca and XXXX from XXXX XXXX XXXX for debt collectors. Bill Should only be XXXX from XXXX. I dont know who to pay with multiple inquiries on my credit report for the same bill.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX, Equifax and XXXX are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Complaint sub-issue: Overdrafts and overdraft fees

Hi I had a PNC CHECKING FIR 2 YEARS AND JUST OPT INTO OVERDRAFT PROTECTION AND HAD IT 2 WEEKS AND GOT HIT WITH 12 OVERDRAFT FEES. I AM A VICTIM OF IDENTITY THEFT AND BELIEVE MY ACCOUNT WAS PLAYED WITH I SHOULD ONLY HAVE 1 OVERDRAFT OF XXXX DUE TO MAKING A MISTAKE AND CLICKED ON MY DEBITCARD. WHEN I MADED A PURCHASE OF XXXX. I AM A XXXX  CITIZEN AND THESE PURCHASES WERE DEBIT AND ADDED BACK A LATER DATE AND MADE MY ACCT OVERDRAWN. ONE XXXX  OF XXXX FROM MY SISTER WAS ATTACHED TO OVERDRAWN FEES AND THE MONEY WAS POSTED BEFORE I SENT TO MY XXXX  XXXX AND ITS NOT RIGHT. PNC KNEW I AM A VICTIM OF IDENTITY THEFT.
Complaint sub-issue: Account status incorrect

Creditech a debt collector destroyed my credit score by the way they report delinquent sewer bills. I have one sewer bill for the last thirty years that I make payments on. On my credit report the debt collector reports separate accounts for each year. I looks as though I have never paid anything on three separate accounts. They are destroying my credit. the dates are XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ... credit report is showing four separate accounts as delinquent. Today XX/XX/XXXX I spoke to Creditech representative to complain ... number one this is a tax that is not subject to credit report. number two I have been paying XXXX a month on one account ... ... for a property at XXXX XXXX, XXXX XXXX, PA not 4 separate accounts.
Complaint sub-issue: Information belongs to someone else

Hello my name XXXX XXXX XXXX, 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 Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible!
Complaint sub-issue: Their investigation did not fix an error on your report

I requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and a FTC report just like the bureau request and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on file between me and this company.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There are several items being incorrectly reported on my credit report, related to inquiries that I do not recognize. I have contacted the companies directly, and have been told that they are unable to assist. Not only are the inquiries unfamiliar, they are inconsistent. Please see a list below : 1. XXXX XXXX XX/XX/XXXX 2.  XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX  XX/XX/XXXX 5. XXXX XXXX  XX/XX/XXXX 6. XXXX XXXXXXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX 14. XXXX XXXX XXXX XX/XX/XXXX 15. XXXX XXXX  XX/XX/XXXX 16. XXXX XXXX XX/XX/XXXX 17. XXXX XXXX XX/XX/XXXX