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

Wrongful Behavior by Upgrade : - Paid per ALL hardship agreements as shown in the XXXX XXXX document of automatic drafts taken from my account along with the posted payments on the Upgrade website previously sent. They have stated that they have reached out to me by phone and email and I have NO record of any calls from Upgrade and they have conveniently not recorded any of my calls to them. 
o Dates of calls to Upgrade as follows : XX/XX/XXXX at XX/XX/XXXX at XXXX phone call to discuss my payments moving forward. Was told that there is an error on my account will need to escalate to upper management and will give me a call back. Never received a call. 
XX/XX/XXXX - On my credit report from XXXX, XXXX and XXXX dated XX/XX/2021, my credit history was NOT late other than 60 days back in XX/XX/2021 which was the start of my hardship program with Upgrade. 
- Then on my credit report from XXXX, XXXX and XXXX dated XX/XX/2021, my credit history has a charge-off in XXXX after completing ALL payments as agreed upon. 

Upgrade is claiming that I was behind for multiple months, if that is the case why is it not showing that and where did the money that was drafted from my account go?

Upgrade has consistently report incorrect information to all three credit agencies after all payments were made according to the hardship program. It also states in the hardship agreement that " Your reduced monthly payment will result in the accrual of additional amounts. the total of the principal reductions will be added to your final loan payment made at maturity ''. This document is attached for review. so how are the payments behind?
Complaint sub-issue: Their investigation did not fix an error on your report

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. Code 1681o - Civil liability for negligent noncompliance ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

( b ) Attorneys fees On a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper.
Complaint sub-issue: Information belongs to someone else

I disputed the inquiry because I noticed it was on my credit report and I did not authorize this inquiry. To dispute this inquiry, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the inquiry was listed, in an envelope sent to the creditor of the inquiry and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and XXXX XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the inquiry, and thus the inquiry must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this inquiry on my credit report because the inquiry was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this inquiry from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The information for this inquiry listed on my credit report is : CREDITOR XXXX CREDIT PLUSXXXX XXXX, INQUIRY DATE XX/XX/2021 CREDITOR : XXXX XXXX INQUIRY DATE XX/XX/2021
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2018 I registered with a third party company which checks eligibility to apply and get approved for credit cards. Unfortunately they applied for several credit cards from discover on the XX/XX/2018 without my consent and because the request was denied I'm left with multiple hard inquiries on my credit report which is affecting my credit score
Complaint sub-issue: Information belongs to someone else

Hello, I have reached out to XXXX and the company named CBNA/THD directly about the unauthorized credit inquiry that is showing by CBNA/THD but no one have responded or gave me an update about the inaccurate information thats being reported. 

I am hoping that this complaint can make XXXX and CBNA/THD be responsible in deleting negative and inaccurate information like they should especially if they are reporting wrong information to my report that is hurting my score. 

Can you please investigate CBNA/THD with the inquiry date on XX/XX/2020 and have XXXX delete the unauthorized inquiry off of my report. Please?
Complaint sub-issue: Information belongs to someone else

I have spent thousands of dollars trying to delete this account from my credit report. I paid the balance and it wasnt mine. Ive sent out 10 dispute packets to each bureau. My identity was stolen and my signature was forged.
Complaint sub-issue: Called after sent written cease of comm

Mail company stating do not call work number. Also, call them to stated to not call work number. They still calling my work number.
Complaint sub-issue: Investigation took more than 30 days

I submitted a letter on XX/XX/2021 about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 60 days. I feel as though I'm being used and that my complaints are being ignored. It has been over 60 days, and they should be erased immediately. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.
Complaint sub-issue: Account information incorrect

Equifax Credit Report in correctly shows a balance due of {$13.00} to XXXX XXXX. I have complained numerous times to XXXX and thought this was corrected. I closed the XXXX XXXX because I could not tell what they were charging me for. Because the card was closed XXXX tried to charge to my card after closing, the auto charges for XXXX streaming services were then charged to my XXXX XXXX Credit Card and paid. They double dipped because they did not remove the {$13.00} charge to the XXXX card that was made after card was closed and charges were objected to. XXXX is showing on Equifax that I had 60 days late pay which I assume substantially is lowering my FICO score. 
I found the XXXX XXXX to be a complete failure. Charges would go onto the card for XXXX services without explanation what they were for - data, streaming, very confusing. 
I request this error be reported and removed. As you can see from my credit reports I have absolutely no late pays and otherwise excellent credit reports.
Complaint sub-issue: Information belongs to someone else

FCRA Violation : names and address not mine XXXX XXXX FCRA Violation : other loan never late XXXX XXXX XXXX XXXX XXXX I FCRA Violation : hard enquiries not mine XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Other problem getting your report or credit score

I believe equifax did not read complaint XXXX because their response had nothing to do in regards to my complaint they gave a computed response as if my complaint was about inaccuracies but equifax is instead giving me a hard time to give me my credit file I even gave a state issues identification but their disregard to even read and accurately reply is huge red flag to me as a consumer. I did everything in good faith and this company is starting to show fraudulent behavior.
Complaint sub-issue: Personal information incorrect

I have a ton of errors on my credit report the I recently found. My name is incorrect on my credit report my name should be listed as only XXXX XXXX please delete any other names. I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice. This security freeze request not only restricts credit bureaus and creditors but also future potential employers until I lift this restriction. The following addresses are not mines : XXXX XXXX XXXX XXXX  XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Complaint sub-issue: Information belongs to someone else

I have reached out the XXXX multipole time over 2 years to fix error in my credit report. other companies like XXXX fixed it right away but for some reason XXXX refuses to provide any proof the accounts are opened by myself. 
here are the accounts that are NOT mine Date : XX/XX/XXXX Bank : XXXX XXXX XXXX XXXX Date:XXXX Bank : XXXX XXXX/ XXXX Amount : {$920.00} Date : XX/XX/XXXX Bank : XXXX Amount : {$4900.00} Date : XX/XX/XXXX Bank : XXXX XXXX XXXX Amount : {$6300.00}
Complaint sub-issue: Other problem

On XX/XX/XXXX I received an email from Citi regarding the credit line on my Shop Your Way XXXX had been decreased. The line was decreased from {$20000.00} to {$2000.00}. The letter stated that since I had not used the card in 23 months the decrease was occurring. I did not receive any warning communication that if I didn't use the card the line would be decreased. 
I contacted Shop Your Way MC customer service the morning of XX/XX/XXXX and spoke with XXXX in the Credit Department. She attempted to increase my line back to the original amount of {$20000.00} but the system would only increase the line to {$3000.00}. She said that Citi did not have to notify and they reserved the right to decrease my line at anytime according to my XXXX XXXX. I explained that I do not recall from my original XXXX XXXX signed in XXXX that this was part of the terms. I have requested a copy of my original XXXX to be sent to me. 
I paid off the card several years ago and kept it clear of charges so that I could have the credit available in the event of an emergency. The ability has now been taken away from me. Also, my line being decreased by 90 % will be detrimental to my credit score.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did not authorize the following inquiries so please remove them expeditiously. 

XXXX XXXX, XXXX XX/XX/20 XXXX XXXX XX/XX/20 XXXX XXXX XXXX XXXX  XXXX  XX/XX/20 XXXX XXXX  XXXX  XX/XX/20 US SM BUS ADMIN ODA XX/XX/20
Complaint sub-issue: Account status incorrect

I am name is XXXX XXXX and this This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$240.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : XX/XX/2021 XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2000.00} XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$9900.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$290.00} XXXX XXXXXXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Information belongs to someone else

It has been found out that you are not REMOVING items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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: Information is not mine

I was notified by my loan officer on XXXX/XXXX/15 that Equifax reported ( XXXX ) collection items from XXXX. I immediately opened a dispute with Equifax on XX/XX/XXXX. I learned that in XXXX 2015, XXXX XXXX XXXX ( XXXX ), posted ( XXXX ) collection items on my credit report on behalf of XXXX. Equifax provided the phone # to XXXX. The XXXX rep looked up the reference # s XXXX & XXXX and quickly recognized that these were in someone else 's name, not my address and not my social security #. She then indicated they would process the dispute and notify the credit bureaus and XXXX. I need to have this removed from credit report immediately. The XXXX rep stated that XXXX would have sent the erroneous info to XXXX with my name and address. XXXX does not look up anyone 's address/contact info. I have no accts with XXXX so I do n't see this as a glitch in their billing system. I have no idea how XXXX got my name. I 've never had a comcast account and have no idea why they would link XXXX XXXX 's accounts to me. I 've tried to get someone at XXXX to address this and after numerous waits and transfers between collections, billing, etc. they will only refer me to a website to complete a form that I then have to get notarized and send to them. Absolutely ridiculous. It is clear that these are not my accounts and the burden of proof ( and hopefully law ) should require XXXX to rectify this immediately. There must be some regulation around tagging fraudulent information to an individual. It 's clear there are some unscrupulous practices occurring at XXXX. How they tied my name/address to this person 's deliquent accounts should be investigated. Also their practice to require the consumer to complete a fraud report and get it notarized is an inconvienence that I as the victimized consumer should not have to endure. This issue is impacting my ability to secure a loan for a significant financial transaction which will cause me a financial hardship if not completed. This has placed a blemish on my credit history despite the fact that it will eventually be removed. I will seek damages if this inaccurate information causes me to lose this financial opportunity for which the loan is for. Someone needs to investigate to determine if this is a widespread practice at XXXX.
Complaint sub-issue: Old information reappears or never goes away

Theseaccounts werealready deleted from my credit report. Why have you re-inserted theseaccounts back on to my credit report? I went online and read the FCRA, and it stated that if you re-insert an account back onto a consumers credit report, you must notify the consumer of this action within five days of adding the account back onto the report. I never received any notification from your company. 

This same law stated that if you fail to notify me, that it is a violation of the FCRA which carries fines if I decide to pursue litigation on this matter. Know to avoid me hiring an attorney to enforce my rights, Im asking your company to delete this account at once. Please send me an updated credit report within 10 days showing me that that the account above has been deleted.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 : also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Other problem getting your report or credit score

I found out I had 2 different credit files due to name change by marriage. As a result, I had two different credit scores for Equifax. I called to have the two files merged. On XX/XX/XXXX, both credit files were deleted and removed all credit history. I spoke to a gentleman at Equifax whom spent time with me collecting all of my account and creditor information so they can be added back. The confirmation number for that call is # XXXX. On XX/XX/XXXX, I was requesting a credit line increase on my XXXX XXXX card with XXXX XXXX. They were unable to pull my report. I lifted the credit freeze and called them back to try it again. At the same time, I processed a request to view my credit report on www.myequifax.com, I received an error message. The next day, I experienced the same thing and XXXX XXXX was still unable to view my credit report. I have not seen an updated credit report in months, all because I changed my name and everytime someone fixes it gets worse. XX/XX/XXXX I call Equifax and requested to speak to a US representative, the customer service associate refused to transfer me. I explained dilemma and after reviewing my file preceeded to tell me there isn't an issue with my report. I requested to speak to a Supervisor and was left on hold for 30 mins. I hung up and called a different Equifax number. I spoke to another associate who was sympathic and kind enough to assistance but she was unable to view my report. She asked I call the Equifax Global Consumer Care at XXXX. XX/XX/XXXX I spoke with XXXX and they too were unable to access my Equifax credit file. As a result, I am unable to view my report and scores for XXXX and XXXX as well. XXXX I am currently on the phone with Equifax at XXXX CST. The associate would not transfer me to a US Representative but is kind enough to assist and look into this as well. So far, he does not see any issues with pulling my credit file. He is unable to find my MyEquifax account online and as of right now I, XXXX XXXX  and XXXX must be doing something incorrectly because " there is no issue accessing my report ''. Mind you that names on the XXXX and XXXX XXXX  requests match my credit file as XXXX XXXX XXXX and same address. I am beyond frustrated and unable to refinance my home, car or obtain any credit that requires an inquiry with Equifax. I have been resolving issue after issue with Equifax and have exhausted all avenues. Still sitting on the phone currently, 57 minutes.
Complaint sub-issue: Didn't receive enough information to verify debt

I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with AMERICOLLECT plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$1100.00}
Complaint sub-issue: Debt was paid

I got this card in XX/XX/XXXX. It's been so long since I used it, I can't tell you what it is I'm paying on, nor have I been using credit cards of any kinds besides store credit cards. I called sometime last week to see what it is that I'm sending in payments for since I don't use the card. I was told what I'm paying is interest. I did a balance transfer in XX/XX/XXXX for $XXXX. That made my balance $XXXX. I've been paying more than the minimum amount and I even send in extra. The minimum payment is about $59 now. I have been sending $XXXX a month PLUS $XXXX EVERY WEEK for the last month or more AS WELL AS my checks from my part time job. From XX/XX/XXXX up until XX/XX/XXXX, I've been paying anywhere from $XXXX to almost $600 more than the minimum payment. My interest rate is 10.99% but yet my balance just recently went below $3200. My payments are also on time and never late. When I called the company, I called 3 times to see if they could reduce the debt so I could pay it off and my request was denied. If I haven't used the card, how in the hell can I still be paying interest? The dates that I called were: XX/XX/XXXX (twice),  XX/XX/XXXX
Complaint sub-issue: Was not notified of investigation status or results

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.