Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Public record information inaccurate

On XX/XX/XXXX I sent a dispute to Equifax about a BankRuptcy and Collection account XXXX and asked them to verify the information. Another Letter was sent on XX/XX/XXXX asking them to provide actual proof that these accounts have been verified and are accurate. And have sent yet another letter on XX/XX/XXXX asking again for proof. 

I have done my own research and still disputing with the Third party computer XXXX which they so happen to get this information from and even got a report that contradicts which Equifax is claiming they verified the date filed is not the same and also Reference # is not the same Also included in the dispute was an account with XXXX XXXX showing an account # and Open Date is different from what XXXX has sent to me as well. Which I am also in a dispute with XXXX Date filed on Equifax for Bankruptcy is XX/XX/XXXX and XXXX Shows an open date of XX/XX/XXXX which contradicts where they say they have verified this information from and have yet from both agencies XXXX XXXX and XXXX to give any actual proof of this information as well as Equifax providing actual proof of the investigation they have done in regard to these accounts still being reported on my credit report.
Complaint sub-issue: Information belongs to someone else

Hi, I have recently found I have been a victim of identity theft. Someone has stolen my information and used it to open account with XXXX Opened on XX/XX/2022 with an account balance of {$8800.00}. I don't know how the thief got ahold of my personal information but I am certain I have not opened this account nor have I authorize anybody to open these accounts for me. Please process a block on this account ASAP.
Complaint sub-issue: Attempted to collect wrong amount

My complaint is regarding XXXX XXXX XXXX. Cons headquarters is located at XXXX XXXX XXXX XXXX Texas XXXX. Cons phone # XXXX. The CEO is XXXX XXXX, COO is XXXX XXXX and CFO is XXXX XXXX. 
This complaint is surrounding Cons failure to clarify exactly what the terms of the agreement created XX/XX/XXXX. I have been a long-standing customer of XXXX XXXX XXXX since XX/XX/XXXX. My complaint is regarding Conns account # XXXX ; monthly payment of {$94.00}. 
In XX/XX/XXXX, I received a solicitation letter stating that my credit limit increased. I called the number provided and spoke to the credit department who confirmed my limit was $ 3000.00+. At that time my # XXXX balance was little under {$300.00}. With the increased credit line, I purchased three items. Unbeknownst to me, the credit increase was not added to the existing balance. Conns created a whole new loan, account # XXXX, with a payment amount of {$190.00}. 
Once I realized what occurred I called customer service. Records should show the several attempts to resolve this matter directly with Conns. I explained on each occasion that I could not afford to pay for two accounts with the payments totaling {$280.00} a month. The reason I was given why they could not combine the accounts was because # XXXX balance was under {$300.00} too low per their policy. 
Conns is reporting negative data to the Credit Bureaus. Im trying to improve my credit score ; this issue has damaged my credit. Since this debacle, I have made two small payments toward the old account # XXXX. The new account is current with a next due of XX/XX/XXXX iao {$190.00}. To add insult to injury, Conns default group calls me daily, sometimes as many as 12 times a day including Sundays. 
This complaint is regarding XXXX XXXX XXXX, customer service, collection, credit and financial departments. I am requesting that Conns move the current balance of {$170.00} from account # XXXX to account # XXXX. Also remove any late fees and negative reporting from all three credit bureaus. I ask this since the terms of the new account regarding my old account were not clearly explained to me at the time of financing.
Complaint sub-issue: Didn't receive notice of right to dispute

I didn't receive information about the attempt to collect the debt and wasn't afforded the chance to settle the debt, and was blindly sued by ; Plaintiff ( s ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Attorney XXXX XXXX XXXX Couch Lambert LLC, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX Case number XXXX Court XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Texas XXXX XX/XX/2022, I was served with the citation and called Couch Lambert LLC at XXXXXXXX XXXX. I spoke with XXXX XXXX and was told they sent a demand letter by mail. I responded that all of my information remained the same and that the mail must not have reached me and was maybe lost, but I did not receive it. I also mentioned that a lawsuit without first calling me to settle the debt is a bad business practice and has brought me more stress, especially since I am an unemployable 100 % XXXX veteran and that my only source of income is VA benefits and a Department of Defense annuity. She further requested that I send my bank statements to their attorneys for review. 

This is a bad business practice, and not only that, I am being put through unnecessary pain and suffering the fact that I have a medical condition such as XXXX XXXXXXXX that is being triggered by their lack of due diligence. All XXXX had to reach out instead of the unnecessary lawsuit without exhausting all means to settle the debt.
Complaint sub-issue: Talked to a third party about my debt

I was a XXXX customer for a couple months and i agreed on an amount on a 2 year contract and that was XXXX dollars a month everytime i got my bill it was higher than the agreed on amount so i just kept paying my XXXX dollars and then late fees happened so i canceled the contract because they broke the contract agreement and submitted my account to multiple debt collectors and now its with XXXX that was already removed from my credit report.
Complaint sub-issue: Debt is not yours

A debt in the amount of {$1400.00} from a creditor I am unfamiliar with is reflecting on my credit report. I have reports that were submitted to the FTC due to being a victim of identity theft which has lead to unauthorized accounts being opened in my name using personal information. This account does NOT belong to me and I have contacted the lender as well and made them aware of this information.
Complaint sub-issue: Problem getting your free annual credit report

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX SS # ENDING IN XXXX
Complaint sub-issue: Trouble with how payments are handled

I am a recent graduate from XXXX University in XXXX and I have been trying to stay on top of paying my students loans to maintain and grow my credit. Sallie Mae, their headquarters is located in XXXX, has continuously taken advantage of me because I am a XXXX recent graduate. In the beginning they were not clear about payments fluctuate due to interest rates after graduation. Then their website was not clear about when payments were due. Now they are claiming that I have not made any payments and that I owe over a thousand dollars for XXXX loan, when my cosigner and I have been making consistent monthly payments. The payments are evident on our bank statements as well. This has been going on for far too long. I 've called and have spoken to a number of individuals that work for the institution. They can not take advantage of be because I do not possess economic capital. Additionally, my interests rates are criminal. I took out XXXX loans, XXXX has a 9 % interest rate, the other 8.5 %, and the last one has a 8 % interest rate. Not only did they refuse to consolidate the XXXX they are not clear about how much and when payments are due. My cosigner and I pay and call every single month because there is always a problem with information and how much money is owed. Last time there was a bunch of money left over from early payments on a loan and that was not conveyed at all until I continuously called. I am a recent graduate for XXXXsakes that 's trying to do the right thing by paying my loans on time and I am the process of becoming a teacher. Sallie Mae has place a huge financial burden on my family significantly and has impeded my ability to properly invest in myself and my future. Many families use Sallie Mae to help fund their children 's education and to know that this private loan provider will stoop so low and take advantage of recent graduates that are trying to do they best that they can to pay their loans is ridiculous.
Complaint sub-issue: Reporting company used your report improperly

Equifax Inc. improperly stored my identity information resulting in a security breach that included my name, SSN, birth date, address, and drivers license number. I have filed a 90 day initial fraud alert.
Complaint sub-issue: Account information incorrect

Equifax is reporting an old account on my report, via XXXX XXXX, as a charge off. This is inaccurate. This account has been closed and settled for years. I am not liable for any debt, there is no amount unsettled. I demand XXXX XXXX provide evidence that I have not settled this account or that I am in any way still liable for any amount of money on this account. If any negative remarks are not removed from my report, I will file suit under the Fair Credit Reporting Act with both XXXX XXXX and Equifax. This is consumer harassment, and I will not stand for this kind of slander being stricken against me. I do not Owe XXXX XXXX a dime, and they know it, and Equifax should not be reporting this account as a Charge Off. It should be deleted entirely for this outrageous offense, but at minimum any negative remarks on it should be removed from my credit report
Complaint sub-issue: Sent card you never applied for

I have had a Citibank MasterCard for years. Just recently I received a master card renewal. But a week or so later I also received from Citibank a new Citi American Express card. I never requested an American Express card. This feels very much like when XXXX XXXX issued me a credit card years ago without me ever requesting it. Ive heard that canceling a credit card can add a ding to my credit report. Im not sure if that will be the case if I cancel this AMEX card that I never requested.
Complaint sub-issue: Reporting company used your report improperly

I did not authorize the inquiry from Weimark. I do not have a mortgage loan with this company. I contacted the company to have this removed but they have not complied.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX I their own admission, never had Validation of these debts they reported to the credit bureaus for all the years you have been broadcasting this unlawful reporting of these XXXX accounts. 

This is fraud. 

If you read the documents attached, it is indisputable that my complaint is accurate. 

If you do not remove these collections from your systems I will sue you after 30 days has passed if you have not removed them - you are in notice and you have The proof and evidence attached. 

XXXX XXXX XXXX also unlawfully disclosed personal XXXX XXXX violation documents in their miserable attempt to validate this almost 6 years too late! They did not follow protocol.
Complaint sub-issue: Billing problem

On XX/XX/21 a payoff check was sent to Ally in XXXX, KY by XXXX. Ive notified XXXX representative XXXX on XX/XX/21 & XX/XX/21 regarding the check was sent, provided the check # and the amount so it could be applied to my account. I spoke to XXXX XXXX XXXX on XX/XX/21 regarding my payment hasnt been posted to account and by not posting the payment to my account right away is preventing me from getting another loan due to this loan is still open and its almost time for another payment thats due. I notified Ally on last week that I sold the car on XX/XX/21 and provided them with the name of the company that bought my car. Per the XXXX XXXX she will send a letter to corporate to see if they can locate the check. I called Ally today XX/XX/21, spoke to a Representative name XXXX. Per XXXX, XXXX is in a meeting and I cant speak to her. I tried to XXXX the Corporate office phone # which gave XXXX that is not a working #. I located another ph # to file a complaint which was XXXX. That ph # wasnt for corporate but reached a representative name XXXX in Canada. I was transferred to another Representative name XXXX which stated he could not locate my account with my social security # and that I reached Ally and not XXXX. Ive called XXXX ph # XXXX which is the same ph # where I reached The Representative XXXX, XXXX and Supervisor XXXX. I received a called back from XXXX around XXXX today XX/XX/21 which she left a message saying she was going to email me with status. I received the email today XX/XX/21 from XXXX which she states she XXXX hasnt replied and she was going to email them again. Per Representative XXXX by phone on yesterday XX/XX/21, since the check was sent to XXXX, KY theres no account for them to post the check to so Corporate will have to locate the check and when the check is cash in XXXX, KY, the department will have to reissue another check to Texas. This will cause more delays if this happens! It appears that No one is trying to locate my check to apply to my account.
Complaint sub-issue: Didn't receive services that were advertised

I have been paying my credit cards on time for the past 2 months and have not received any points usually when i pay i received 10 points but now it seems as if they stop giving me points. I called and ask and they told me it has nothing to do with them and that its up to the computer generated system to update. I'm trying to buy a home so i need my points for all 3 scores. I had I missed a payment my score would of drop 20 points or more i recently made a payment on the XX/XX/XXXX and XX/XX/XXXX and still nothing.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # 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: Their investigation did not fix an error on your report

I have a major issue with the credit bureau in regards to its reporting of several account from XXXX XXXX. I do have a few accounts with XXXX, however there are some accounts that I personally did not open and I also have duplicate accounts, well they are not necessarily duplicate, however they are from the same company for the same card with different account numbers where neither of these accounts were open by me. I have disputed these inaccurate accounts with the creditor and also with the credit bureaus. I have send request for validation of debt to the creditor by way of certified mail. I get no response and the credit bureau all though they are aware of these non-responded validation of debt request they refuse to remove these account from my credit profile. I have followed all necessary steps required by the fair debt collection and fair credit reporting laws and still have gotten nowhere. I would like to have the following accounts researched and deleted ASAP from my credit profile. I have given below both accounts that are mine as well as the ones that are NOT my accounts. 

Accounts to be removed : XXXX XXXX/ XXXX XXXX Account # XXXX I do not know the amount as it is not displayed on my credit profile. 

XXXX XXXX/XXXX Account # XXXX I do not know the amount as it is not displayed on my credit profile. 

XXXX XXXX/XXXX XXXX Account # XXXX I do not know the amount as it is not displayed on my credit profile. 

XXXX XXXX/XXXX Account # XXXX {$4500.00} XXXX XXXX/XXXX XXXX Account # XXXX and Account # XXXX Dont know why there are 2 XXXX XXXX accounts reporting for one person, but ... ... Both needs to be removed as I never applied nor opened a XXXX XXXX account. 

XXXX XXXX XXXX DC Account # XXXX *************Accounts that are mine and not in dispute*********** XXXX XXXX/XXXX   store card Account # XXXX XXXX XXXX/XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX While I am aware some accounts are mine. Some are not and I have followed what I should to have these removed and nothing has happened.
Complaint sub-issue: Investigation took more than 30 days

I have received a copy of my credit report and it shows company XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX and I am submitting this complaint myself. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : ( XXXX XXXX Inquiry Date XXXX/2020 )
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I ALREADY DID MY COMPLAINT ABOUT MY INQUIRIES TO EQUIFAX AND THEY HAVE TRIED TO SAY THEY HAVE VALIDATE THE INQUIRIES BUT STILL HAVE NOT SENT PROOF OF VALIDATION. The law " 15 U.S. Code 1681i - Procedure in case of disputed accuracy 1 ( B ) '' - YOU HAVE THE 30 DAYS TO INVESTIGATE BUT YOUR AGENCY exceeded 30 day time to resolve the dispute lawfully. EQUIFAX failed to provide a copy of a credit application authorizing the disclosure of my credit files with my signature. If a signed authorization can not be found they are required to remove the inquiries from my credit report. Also, per pursuant of section 604 it indicates the only permissible purpose for inquiries are firm offer of credit, court order, employment and insurance. AGAIN From my records neither did I authorize these INQUIRIES, there is NOT permissible purpose that applies so therefore EQUIFAX is REQUIRED to immediately REMOVE each and every last one of them from my credit report.
Complaint sub-issue: Problem getting your free annual credit report

Equifax refused my online request of MY credit report.
Complaint sub-issue: Attempted to collect wrong amount

On XX/XX/2021 At approx XXXX A representative ( I think XXXX was her name ) returned my phone call in an attempt to work out a debt I possibly owe. Unfortunately, the boxes I checked prior to being able to voice my complaint here are somewhat inaccurate because there was not an accurate one to click on and it would not let me proceed without clicking something. Here are my complaints. 

1. The representative lied to me by telling me they put a lien on my house. ( She was very clear about this and even said the lien on our property would be lifted as soon as the debt is completely satisfied ). I called the courthouse and according them not only is there NOT a lien on my home but unless there was a special circumstance ( like doing work on our home ), they CAN'T put a lien on our house. 

2. The representative belittled me making me feel HORRIBLE by telling me this is such a small debt to take care of. 

3. I was told they would be unwilling to consider any settlement without proof of the worth of our home. When I asked why she needed this I was told that if I could sell our home or take a loan out on our home that would cover the debt, they would not accept a settlement of any kind since this was such a small debt. ( To me, XXXX is not a small debt. I live paycheck to paycheck. ) I would also like to know what house sells for less than XXXX. It all added up to saying that if I owned a home, they would not settle. 

4. She was willing to take payments but not sure if they could accept anything as small as $ XXXXmonth. This payment amount was something talked about .... but after going over finances, I could not see how I could make a sustained payment even close to that amount. She was also unwilling to stop the daily interest which, after going over my debt/income, is more money than I can afford to pay each month! The debt would be getting LARGER even after the small payment I might be able to squeeze out. 

The bottom line is this. Although much of what was said may " technically '' be legal, .... LYING to me about the lien can not possibly be considered legal ... XXXX And ethically speaking, I have never felt so horrible about not having enough money to pay this. I don't understand how I can pay if the interest alone each month is more than I can afford and they won't settle because I am a homeowner ( I'm not sure how legal that is ). I obviously can't take out a loan on the home to pay them because then I have another loan to pay on ( which I can not afford ). 

I am only a homeowner of the home we live in. I have no other property I could possibly sell to satisfy this debt. 

I also received a letter from them some time ago asking me to itemized my belongings in my home. I have bought nothing on the credit cards they are collecting for that would warrant such a thing. Unfortunately, I have misplaced this paper. I am sure all letters sent to me could be pulled from their records though. 

They are giving me no option to pay, making me feel horrible, and lying about putting a lien on our home. 

Thank you for your time.
Complaint sub-issue: Frequent or repeated calls

This number calls my home every morning at exactly XXXX The caller id does not ID them and then they hang up. Research on the internet determined they are id scammers who call to collect very old and often non existent debt. Other than hang up phone calls I have had no other contact attempts made to me by them.