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

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Saved on : Mon XX/XX/2022 XXXX AM This Credit Bureau systems has never contacted me. The only reason I'm aware of their existence is because they are continuously reporting this to the credit bureaus. I have tried to fight some on my credit report but they remove it then it shows back up. I never received a bill from the original company. How can I pay something I never even received a bill? 

Debt collectors must speak to my by phone or in person about the debt or mail a letter or electronic communications about the debt and wait for a reasonable amount of time ( usually 14 days ) to ensure it was delivered before reporting anything to credit reporting companies. This never happened. I never received anything, you can not just ruin someone's credit when you don't give them a chance to pay! This is deceptive, I don't know the amount I owe cause I never got the bill! I believe they are trying to claim way more than what I should owe. The debt collection company has to provide me with Name and mailing information of the debt collector Name of the creditor whom the debt is owed Account number associated with the debt An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date, called the itemization date. 

The current amount of the debt as of when the validation notice is provided. 

Information about your debt collection rights including how to dispute the debt I never received any statements or bills.
Complaint sub-issue: Application denied

I applied for a credit card through COMMERCE BANK on XX/XX/2021 and was approved for {$8000.00} credit limit and was told my card was coming in the mail. Then on XX/XX/2021 I receive a letter saying my account has been closed because inaccurate/fraudulent statements made during application. I applied for a credit card with COMMERCE BANK on XXXX and was approved for {$3000.00} credit limit and was told the same thing that my card was coming in the mail, i even verified my address with a utility bill. That application was flagged because I left out my apartment number ( but they asked for documentation for the address ) which was provide. I spoke to a XXXX XXXX which verified everything. I got another letter in the mail saying my account has been closed because of inaccuracies. I believe this id discrimanation against me being an XXXX AMERICAN. I HAVE BUILT GOOD CREDIT AND HAVE SEVERAL CREDIT CARDS WITH BIG COMPANIES ( thats why im being approved ). Someone sitting in a office judging people and once applications are approved they are denying them. They do not ask for nothing to resolve any problems but just stripping you of working to build your credit up. This is discrimination. Whenever an individual sitting in a office judging people off paper is discrimination. This has happened twice to me with this company.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

CBNA made a hard inquiry of my credit score. I  never requested it, it just showed up when I looked at my   XXXX   XXXX   report.   This hard inquiry was made  on  XX/XX/XXXX .    XXXX  This is not the first time it happens. CBNA made another hard inquiry  on  XX/XX/XXXX ,   again I never requested it authorized for them to run my credit.
Complaint sub-issue: Debt was result of identity theft

A few years back, I ordered my credit report and noticed a collections. I disputed with XXXX XXXX XXXX/debt collector and advised this was not my account. I was advised that the account was in XXXX name. Well, I have never heard of nor used a fraudulent name. I asked them to provide me with verification of the negative item. Nothing was provided so they removed it from my credit. 
Fast forward to XX/XX/2021. I got a credit alert advising a collections has been added by IC System. Since I am a victim of identity theft and have taken necessary steps to protect my credit along with filing a police report in the past, XXXX XXXX XXXX was unable to provide accurate information. Unfortunately, I am having to dispute this again which is causing unnecessary XXXX  and time. I don't understand how XXXX XXXX XXXX would sell a fraudulent account.. I am requesting a copy of the original contract between myself and the original creditor and original application with my signature.
Complaint sub-issue: Account status incorrect

I have a discrepancy on all three of my credit reports ( XXXX XXXX and XXXX ). Their is an account that is listed on all three of my credit reports from LJ Ross and Associates. I had no knowledge of this collection until I needed to put a utility ( electricity ) in my name at my residence. Due to the fact that I needed the electricity on, I did not dispute, verify or validate this collection. The one thing that I did address with LJ Ross is that this collection would be removed from my XXXX XXXX and XXXX  credit reports after it was paid in full. This collection was paid in full for {$300.00} in XX/XX/XXXX. I truly thought that LJ Ross and Associates would complete their end of the agreement as I completed my end of the agreement by paying {$300.00} in XX/XX/XXXX. Fast forward to XX/XX/XXXX, while going over my credit reports LJ Ross and Associates DID NOT uphold their end of the agreement in deleting this collection from XXXX XXXX and XXXX This collection was instead marked PAID, CLOSED as of XX/XX/XXXX, not DELETED per the agreement between LJ Ross Associates and I.
Complaint sub-issue: Information belongs to someone else

I founding fraudulent account on my credit record some one used my information and opened the accounts I listed.
Complaint sub-issue: Reinserted previously deleted info

My complaint is about the conflict of interest at Equifax. The company is a for profit company and is accountable to its shareholders to generate profit. The company is in charge of consumer credit rating ( collecting information and issuing credit rating ) and the company also makes profit from it consumer credit monitoring and subscription business. So the consumer would pay XXXX. I was a subscriber for almost two years and I cleaned my credit, disputed inaccurate information etc. Tecently have decided not to renew my membership as did not see the use for it given that you can the same service free from XXXX. Equifax kept emailing me to renew membership. Since we are in a process of refinancing and given that my credit decreased despite the fact that I had perfect credit history I decided to sign up again and to my surprise they removed all positive information from old accounts and replaced with XXXX, which is not reported, and put back negative late information. I called them to dispute it and they stated that it is coming from the creditor. This is deceiving to push us as consumers to feel the need to subscribe to their product so we can keep Equifax in check. There a conflict of interest here. They should not be in both side of the business they should be either rating company or consumer credit monitoring. Otherwise, their credit monitoring should be offered for free since they are using our personal information to make money. When I complained, they added more information on those accounts closed in XX/XX/XXXX and paid in full in XX/XX/XXXX to show then as XXXX until XX/XX/XXXX, no one would respond to my inquiries and their costumer service uses deceptive methods not to assist and resolve the issue. Submitting a dispute could take months. We work very hard to establish a positive payment history and they simply can not have so much leverage in manipulating or skewing the data in a way they see fit. The credit rating has an impact on consumers ability to obtain jobs, loans and credit at more favorable terms and these agencies should have have so much power. Consumers are being victims of corporate greed. I hereby request that all the negative accounts be removed.
Complaint sub-issue: Account status

I am trying to refinance my home, I have an ARM and I am concerned with rising interest rates that I will not be able to pay my mortgage. There are some old disputes on my some of my accounts i.e. XXXX, XXXX, XXXX XXXX showing disputes initiated by me from years ago. The disputes were resolved. It has been years and these disputes have not been removed or updated. The creditor states they show no dispute so it is the Equifax, XXXX and XXXX causing the issues. I have asked that they be removed and they have ignored my requests, written, telephone and otherwise or tell me that there are no disputes. meanwhile XXXX claims they are still there as of XXXX. I need the disputes removed. I do not know how to compel them to do that and they are causing me irreparable harm. 45 days, resolved disputes have to be removed within 45 days! I need help with this. I do not have any documents reflecting these purported disputes because the banker XXXX, will not provide me with a copy of the report they are looking at, and the creditors state they dont show a dispute, and the reports from Equifax, XXXX and XXXX dont shot the dispute. Therefore I have nothing to provide.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they have to be deleted. Filing for litigation due to the stress would be the next step for me to take. The wrong person my have used information which was impacted by the Equifax data breach.
Complaint sub-issue: Reporting company used your report improperly

XXXX accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name :, XXXX XXXX XXXX {$340.00} - - -No Data XXXX XXXX XXXX {$0.00} - - -No Data XXXX XXXX XXXX {$0.00} - - -No Data XXXX XXXX XXXX {$0.00} - - -No Data XXXX XXXX XXXX {$0.00} - - -No Data XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX {$0.00} - - -No Data XXXX XXXX XXXX XXXX XXXX {$2800.00} - - -No Data XXXX XXXX XXXX XXXX XXXX {$4200.00} - - -No Data XXXX XXXX XXXX XXXX XXXX {$2100.00} - - -No Data US XXXX XXXX XXXX XXXX {$5000.00} - - -No Data XXXX XXXX XXXX XXXX XXXX {$1500.00} - XXXX -No Data XXXX XXXX XXXX XXXX  XXXX {$2000.00} - - -No XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} - - XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX {$0.00} - - -No Data XXXX & XXXX XXXX {$260.00} - - -No Data XXXX XXXX XXXX XXXX {$68.00} - - -No Data XXXX XXXX XXXX XXXX {$460.00} - - XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} - - XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} - - -No Data XXXX XXXX XXXX {$210.00} 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know
Complaint sub-issue: Can't get other flexible options for repaying your loan

Like many Americans, my wife and I have been paying student loan debt for the last 17 years.     During the consolidation process in the  XXXX  's our loans got locked in with 7.8 % interest rate, even though some of the loans had lower interest rates we figured it would be easier to manage the loans.   After the consolidation process-I was paying between $ 500-600 dollars a month on my student loan but because of the 7.8 % interest rate and several forbearance periods on the loans, the initial principal balance kept growing out of control. Besides the interest growing out of control it was also hard to keep track of who was servicing the loans. The loan servicers kept changing for both my wife and I, from  XXXX   XXXX  to  XXXX   XXXX  to  XXXX  to Great Lakes, etc. we were not able to keep track of the payments we had made and the manner the loan servicer was applying for our payments. Each time the loan was sold or taken over by another servicer, they only showed the amounts from the time they received the loans and did not easily include past loan info from the other servic er ( s ). At one point a l ump sum payment in the amount of {$5000.00}, to my wives loan was completely applied just to interest and we saw no real drop in the amount owed.     My wife and I suffered a tremendous loss during the financial crises of   XXXX  . Our savings and business were practically demolished. It was at this point, I reached out to my loan servicer and asked if I could negotiate a lower interest rate for the student loans, but I was denied. I was told that since we had consolidated a few years earlier, we could not reconsolidate and there were no other plans or income repayment opportunities. My only recourse was forbearance or deferment. I realize there are a number of income repayment plans now available and that works for new student loan borrowers, but it does n't do any good for older student loan borrowers that got trapped during the financial crises. Most our loans are loaded with interest and without the ability to renegotiate.   Why is it that most banks got close to 0 % interest loans to pay down their debt during the financial crises of  XXXX - XXXX , and y et US Citizens with  student loan debt were not able to get refinancing and debt relief for whatever reason and were only provided with options that increased our debt load, and is keeping us tethered to unreasonable interest rates, unreasonable length of time for paying said debt and directly affecting our ability to purchase a home or property.
Complaint sub-issue: Their investigation did not fix an error on your report

My Personal Information was compromised and there were a number of inquires I did not authorize. Have contacted Credit Bureaus on numerous occasions to have these fraudulent inquires done without my consent to be removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.
Complaint sub-issue: Unexpected increase in interest rate

I am having trouble with Citibank. Due to the COVID-19 outbreak, XXXX XXXX, which I have owned for 40 years, has declined. I began contacting Citibank at the beginning of XXXX because I knew I would be unable to pay my credit card payment which was due on XX/XX/2020 in the amount of {$160.00}. I called no less than 10 times trying to reach a solution with Citibank, but they have been unresponsive and I was constantly advised to " call back, we're working on it, no email from upper management, etc. '' I was concerned about late fees, being reported to the credit bureau and also my interest rate being increased. I spoke with XXXX, XXXX, XXXX, XXXX, XXXX, account specialists, the collection department, the client focus team, all to no avail. I received another bill yesterday which included a late fee of {$29.00}, my interest was raised from 12.99 % to 29.990 % due to my " credit performance, '' and I was told that I would be reported to the credit bureau. Please be advised that I am XXXX years old, have an EXCELLENT credit rating, and have not made a late payment in YEARS. This action is unconscionable during a time when many people are losing their jobs. I am a senior citizen and have been quarantined for more than three weeks since I am in the XXXX XXXX area. I eventually made the payment but had to borrow money from my son in order to do so. Can you please help?
Complaint sub-issue: Reporting company used your report improperly

I reach out via phone around the beginning of this year to resolve all issues between me the CRA and my consumer report.Then I reach out via mail on numerous counts. Yet they have been very stringent on resolution. Ive made little progress with handling this issue on my own. I recently decided that my story needs to be heard and began seeking help with the CFPB. There are unauthorized inquiries and also names employers and addresses that should not be reporting to my consumer profile. This has hurt me in the past and now it is harming my family and livelihood.
Complaint sub-issue: Other problem

I closed the subject credit card account with Citibank in XXXX. A charge made on the account in XX/XX/2019 for travel arrangements triggered a refund of {$420.00} in XXXX. On XX/XX/XXXX I contacted Citibank to ask how these funds would be returned to me. I was told that a check would be mailed to me shortly after the refund was issued by the merchant. The merchant issued the refund, and it was posted to the account within days of my XX/XX/XXXX contact with Citibank. I waited 2 months and did not receive the promised refund from Citibank. On XX/XX/XXXX I contacted Citibank again, went through a similar process, and was assured that a refund would be received within 14 days. I waited another 14 days and still did not receive the refund. On XX/XX/XXXX I contacted Citibank yet again and learned that no refund had been issued. The representative gave assurances that a check would be issued in 7-10 days, similar to the assurances given by his 2 colleagues in my prior contacts. But he added a further caveat that if there was a problem Citibank would send me a letter, not a check, in 7 to 10 days. He said he would provide a confirmation -- that turned out to be simply his typed reply with the date of our communication in the chat. This continuing run-around without accountability has become unacceptable. If the tables were reversed and I had not paid Citibank for 2 1/2 months they would charge me a late payment penalty, interest and ding my credit score.
Complaint sub-issue: Information belongs to someone else

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX   XXXX {$1400.00} XXXX XXXX XXXX {$420.00} XXXX/XXXX XXXX {$700.00} XXXX/XXXX   XXXX {$630.00} XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX {$700.00} XXXX XXXX   XXXX {$250.00} XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX {$1100.00}
Complaint sub-issue: Billing problem

I changed banks, updated my account information online with Ally, they continued to pull from wrong account even after multiple calls to correct. They then instructed me that i would have to make six months payments through moneygram because of their mistakes. Ist payment went through fine. 2nd did not go through even though the money has been verified as received by Ally. This has been going on for three weeks. When i asked to speak with a manager i am told they cant transfer m e, they will call me in three days, they will call me today or they just cant do that at all. Help! This is impacting my credit as well. They keep continuing to try to collect a debt!
Complaint sub-issue: Account information incorrect

Collection company fraudulently reporting inaccurate information to keep account open. I never opened any accounts in the year or month these companies are saying that I opened these accounts. Each company failed to send me any information containing my application with signature saying I agreed to open these accounts.
Complaint sub-issue: Account information incorrect

In accordance with the fair credit reporting act conversion the accounts listed violated my rights, 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 XXXXXXXX ) 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 ) states a consumer reporting agency can not furnish account without written instruction 15 U.S.C 1681 Section 623 Section ( 2 ) states a person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Complaint sub-issue: Didn't receive notice of right to dispute

I have received two phone calls from XXXX XXXX XXXX, on on XX/XX/2020 and the second on XXXX/XXXX/2020. Both times a voicemail was left. The first time, the caller only stated that he worked for XXXX and then proceeded to state the company a debt was owed to and the amount. The second time, the caller ide tidied himself as XXXX XXXX and that i should listen to the voicemail in private. He then continued to state he was a debt collector and a debt was owed to CitiBank and specified amount. I have no mailed notification from this company.
Complaint sub-issue: Debt was paid

PROCOLLECT , INC XXXX XXXX XXXX XXXX XX/XX/XXXX - - XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX I have paid this. and they still have this on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX XXXX NC has reported 2 debts ( {$210.00} and {$220.00} ) which were paid and a certified letter with proof sent to them. They also reported a debt of {$550.00} which I NEVER received any correspondence on. The first I ever heard about this was after the credit bureaus informed me of it. I have no contract with XXXX and they are in violation of the FDCPA and FCRA. Something needs to be done about this group and its practices. I want full proof they sent these notices including delivery receipts, which I am sure can not be provided. As such, I expect this and anything from XXXX removed ALL credit bureaus immediately.
Complaint sub-issue: Debt is not yours

I do not recognize this company which has negatively affected my credit. I want for them to show any document that I have signed and agreed to which I am responsible for.
Complaint sub-issue: Problem getting your free annual credit report

I TRIED TO get my report from free anual credit report website I only got XXXX Report. Equifax and XXXX kept saying there was an error try again later. Called Equifax and was on hold for over XXXX minutes and transferred to a recording to dispute a charge on my report but I DONT have my report! Called XXXX  was on hold for more than XXXX minutes! They say it will take XXXX weeks to process it and XXXX weeks for delivery!! That is not acceptable! I could loose alot if someone else is using my information
Complaint sub-issue: Frequent or repeated calls

They were very rude, would n't accept any good gesture of payment and got ruder when I tried to work with them. I called XXXX times, none of them said they were the person in charge XXXX. when I called to pay, she stated I talked with her several times. I explained how rude they all are. I told her to collect a debt they do n't have to belittle people. My husband has XXXX XXXX, they called his phone XXXX times a day. They put his name on the bill, even though the original bill was not in his name. They Kept repeating how legal action was about to be taken, told me to " hurry '' when I told them I was trying to get something together because then we would have to pay legal fees. Never once being nice or tried to work with me. I know they have a job to do, but they do not have to be rude and aggressive.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have already reached out to XXXX 4 times and they will not remove my hard inquiries off my credit report. I have alerted them I do not recognize them and they said 30 days ago the businesses had to confirm the accounts they have not but the inquiries are on my account. This is a violations of my rights!