Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive notice of right to dispute

I was never contacted by this company ( IQ Data ) via phone or mail. They had the wrong name and address but left a message with my mother. I returned the call as a willing payer. Both representatives I spoke with were rude, offensive, yelling, and abusive. 
I explained to them that this debt was in regard to a move out balance and because the apartment complex sold the business to another company I could not get my move out balance because they never returned my calls and when I contacted them via email I was told that the company had sold and that I would be contacted. 
When I spoke with the debt collection agency I explained this was not a broken lease or eviction and my arrangement is in writing and still stands. I also told them I never received any letters because they were sending the statements to the addressed the debt belonged to which I obviously no longer lived. I was told by them I had no reason for a dispute and I have to pay the balance in full today or it would be reported to my credit bureau. I tried to give my current address which has also been updated with the USPS, he refused to send me a statement of the charges. He said I did not update my info with the USPS and that was my problem. I was yelled at over and over by agents and as a collections professional myself I am appalled at how they conduct business XXXX ( second agent with IQ Data ) also refused to take my phone number and stated the only thing he would accept from me is a Visa, Mastercard, or Discover. The balance is now {$1700.00} and he refused to give me a breakdown of the charges. I have every intention on paying what I truly owe this company and only reached out to them because I have not received a notice or bill nor did was I made aware of my rights or options.
Complaint sub-issue: Account status incorrect

Corelogic credco supplied " Alternate facts '' that showed information that was outdated and not matching my three credit reports, which XXXX XXXX XXXX used to deny us credit.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am writing today to seek assistance in disputing the following hard inquiries on my Equifax Credit Report. I have contacted the creditors listed and they told me I have to dispute it with Equifax directly. Equifax has advised me to : " wait them out and see that my credit score will improve over time. '' My credit report shows inquiries that I don't recall authorizing. I understand that they shouldn't be able to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my file because it is making it very difficult for me to acquire credit. 

The Fair Credit Reporting Act ( FCRA ) states that the only permissible purpose for pulling someone's credit is for. 

1. Firm offer of Credit 2. Insurance 3. Employment 4. Court Order The following XXXX ( XXXX ) credit inquiries are related to none of the aforementioned permissible. 

- XXXX XXXX XXXXXXXX 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  Please assist me in coordinating with Equifax to see these inquiries removed from my credit report immediately.
Complaint sub-issue: Investigation took more than 30 days

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is  being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Complaint sub-issue: Confusing or misleading advertising about the credit card

Citibank which operates financial services for the MyBestBuy card offers 18 month 0 % interest financing when making purchases. The problem is they intentionally apply payments towards the other non-promotional balances on the card. They never explain to anyone at any point that the entire 18 months will go by with all payments only going towards the other balances. What that means is I was just hit with {$3000.00} dollars of interest from promotional balances that I thought I was paying off. Again, never was explained to me that I must specify to them what balances I want my payments to go towards. They said they apply payments towards these amounts when the promotional balance is 2 months from expiring. Why would they be able to make that choice then but not earlier?
Complaint sub-issue: Debt was result of identity theft

I submitted an FTC report to all 3 credit bureaus on XX/XX/XXXX. XXXX and XXXX have removed the accounts on the report Equifax have not. These accounts were obtained through identity theft. Prior to filing an FTC report I reached out to the creditors to attempt to resolve the issue with out any success. The credit bureaus had 30 days upon receipt of my FTC report to remove named accounts from my credit report. The name accounts do not belong to me I never opened named accounts and would like them removed immediately Accounts in report : XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX. XXXX. I have a problem with one of the credit reporting sites. I was buying a car and told I had serious delinquency on it. I called all 3 sites, XXXX, equifax, and XXXX. I was told they did not see anything on my report. I obtained reports myself and could not find anything that said serious delinquency. XXXX card has XXXX, I receive report every month. I have good credit history. I need help finding this and getting it removed. This has been over a year now. I did not think I should have to pay an attorney. How do you fight something that they say is not on there? I had a car accident that was not my fault and only thing I could think was waiting for insurance to pay car off. But that was not the problem I was told. That wasXXXX
Complaint sub-issue: Other problem

I have a credit card with Fidelity 2 % cash back At the start of covid 19, I was let go temporarily and notified them I may be late on a payment, however that was not the case, I made all my payments on time, and they reduce my original spending limit from {$25000.00} credit limit to {$16000.00} with no warning or no legal reasoning. I have never been late on my payments and I have good standing, I would like my credit limit restored to {$25000.00}.
Complaint sub-issue: Attempted to collect wrong amount

In 2004, a junk debt buyer by the name of Jormandy LLC won a judgement on me for a charged off XXXX credit account which they had purchased. The amount was about {$14000.00} which was repaid through either payments made by me or garnishments made by the company. My issue is that the company is now demanding another I {$2800.00} which I feel I do not owe. It is my contention that the actual value of the account is far less than the original {$14000.00} and that the {$2800.00} is due to fees, interest as well as other charges that the company tacked on which Jormandy LLC knew were wrong. This is to me harassment as well as extortion.
Complaint sub-issue: Deposits and withdrawals

Deposited a money order on XX/XX/XXXX at ATM at a branch. Was not given {$220.00} available funds immediately as US Bank account rules state. All funds appeared to be put on hold. 

NO COMMUNICATION ever from US Bank -- there must be some rules about bank holding funds and at least communicating about it. I went to branch on XX/XX/XXXX and spoke with teller. She stated that 7-day hold, funds would be available first thing on XX/XX/XXXX. On XX/XX/XXXX no funds available. XX/XX/XXXX no funds available. XX/XX/XXXX called US Bank XXXX line -- very unhelpful and stated that US Bank DOES NOT COMMUNICATE when holding customer funds- phone agent could do nothing and hold investigations " usually complete '' in 7 business days ( big difference ), but could take longer. Funds were finally available on XXXX. 

There must be rules violated here about a bank not accepting their own deposit rules ( available immediate funds ) and then not even communicating with a customer about holding their funds. Please let me know what other regulatory agencies need to be aware of this so this practice stops.
Complaint sub-issue: Their investigation did not fix an error on your report

I am a cosigner on a student loan for my daughter. I have tried to stay current on this loan even though I was laid off due to covaid19. My daughter XXXX XXXX called the company to put her loans in forbearance which was granted on her loans, just not this loan which she was unaware of. If you`re calling for forbearance why wouldn't you do all your loans? She made payments on loans without being aware of where they were going to apply them. This whole process was confusing as to what was owed and when. I was told all taken care of by her. The company is saying I was past due in an XX/XX/XXXX electronic letter which I didn't see till XXXX for XXXX. My credit report shows a late payment for XXXX for XXXX. Yet the company sent a response saying no payment posted til XX/XX/XXXX and then they sent the letter out. Why doesn't the credit report show XXXX late if they received no payments? I didn't receive any non electronic mail on the problem until XX/XX/XXXX when I immediately made payment. She attempted to get an explanation from the company as to why only one loan was in forbearance and not the other. She tried to get an explanation as to why the money paid went to certain loans and not others. I am attempting to point out that the whole process is confusing and not being reported correctly.
Complaint sub-issue: Used obscene/profane/abusive language

Some guy from XXXX Solutions ( telephone # XXXX ) contacted me about a debt I attempted to pay several years ago for which i have received NO written communication for years. Said I had to make telephone arrangements to pay the debt -- but when I requested a letter -- he refused and then threatened to report me for refusal to pay -- to put it on credit report. I said I was not refusing to pay, but wanted a written communication first. He became non-negotiable and then ended the phone call -- hanging up on me. This was for an old Citibank card I have made several attempts to track down, yet have not received any communication from them. This guy was nasty and abusive.
Complaint sub-issue: Didn't receive services that were advertised

on or around XXXX I saw a lot of pre-approvals on credit Karma but credit karma kept sending me all sorts of pre-approvals, telling me that I was pre-approved for credit cards, personal loans and that I can refinance my car everyday day I see these offers every time I logged in to check my credit scores, so after a few months of being told I was preapproved I thought I was in the perfect place to apply, I started telling my family and friends about different vacations and businesses we were going to get into because of the pre-approvals that I was being offered, so I finally applied for a credit card and a personal loan around XXXX, then in XXXX only to find out that I was being denied every time, I was distraught, angry and I felt deceived, I was being marketed too for months before I had applied, credit karma told me that I was pre-approved, that was a lie, I was severely stressed, nauseous and migraines, my anxiety went thru the roof, this has made me so uncomfortable I don't check my credit like I use to
Complaint sub-issue: Other problem getting your report or credit score

Equifax sent an email X/X/17 that the results of my dispute were available for viewing online but every time I try to view it the system is down for maintenance. It has been this way for days. Furthermore I am unable to submit a new dispute or check the status of an existing one online.
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXXXXXX XXXX have 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 an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

I'm a victim of ID fraud. I've tried to clear, remove the many negatives items on my credit report for years. I've contacted police departments, accounts in collections, creditors that said I owed them monies. I've gotten collection notices,,, so may over the years & i've given up fighting since the issues have never been resolved. I've lived with bad credit. accounts in collections that I have no knowledge of. Car loans that I'm not aware of. It seemed that banks, collection companies as well as credit bureaus are not helping much and I really can not understand why. I don't have all the accounts full informations since theyre NOT opened by me!
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX a fraudulent chargeoff was added to my XXXX equifax, and XXXX credit report by XXXX XXXX  I disputed the original chargeoff which was reported on XX/XX/2018 as a chargeoff but its been reported three differentways. I received a brand new chargeoff reported on my experian, equifax and XXXX credit report after 4 years of the original chargeoff. As a result of this brand new chargeoff being added to my credit report even though the account is closed my credit score went down almost 100 points. FCRA gives me the right to validate and dispute any inaccuracies on my report without retaliation. This is a fraudulent chargeoff. I called the credit companys they said no chargeoff was added which is a lie. It shows a new chargeoff on on XX/XX/XXXX and all my fico and vantage scores went down 50 to 90 points. This is retaliation. FCRA says this is illegal ( section 623 ) protects me from this tactic. This chargeoff needs to be removed immediately it's fraudulent and retaliation. I disputed the original XXXX account because on all three credit reports it is reporting XXXX different ways which is an inaccuracy. XXXX XXXX retaliated against me by adding a new chargeoff 4 years later which is illegal reporting tactics.
Complaint sub-issue: Attempted to collect wrong amount

Reported on my credit bureau is a false debt that I do not owe. It is over 5 years old and just now suddenly was reported. I never got a bill from XXXX XXXX in the year 2011 and I do not owe this debt of {$72.00}. My credit needs to be clear as I am refinancing a loan. This is not a true bill and must be removed from all credit bureaus.
Complaint sub-issue: Problem with personal statement of dispute

Lender : XXXX XXXX XXXX, XXXX. 
Loan Type : Single family housing loan Loan Acknowledgement date : XX/XX/XXXX Loan ID # XXXX Amount : {$580000.00} Credit Rating Agencies : XXXX, XXXX  Ratings posted by Agencies : All above 800 Result : Disapproved Reasons for Disapproval : a ) current credit situation unsatisfactory and b ) unable to verify ownership or occupancy. 
Ownership to Property : XX/XX/XXXX through to date
Complaint sub-issue: Account opened as a result of fraud

I signed up for a {$400.00} bonus offer from Upgrade. This offer was published on the XXXX XXXX website. The offer was to sign up for rewards checking, fund the account, make 3 debit card transactions within 60 days, and the {$400.00} bonus would be deposited to my checking account. There were no other requirements in any website including Upgrade 's website. 
I met all the requirements and called about the bonus. At that time I was informed that there was an additional requirement. That was to join the XXXX XXXX XXXX XXXX, open a line of credit and secure a loan. I told them that requirement was not listed anywhere on the website 's offer. I was told that was the requirement anyway. I asked what the interest rate was for the loan and how much I was forced to borrow. They said they couldn't tell me and I would be notified of that information after I signed up for the line of credit. I told them I was not interested in taking out a loan or opening a line of credit with this credit union that I knew nothing about, and I was told if I didn't join the credit union and open the line of credit then I would not get the {$400.00} bonus. 
I called the XXXX XXXX XXXX XXXX and they said they knew nothing about the requirements for the bonus.
Complaint sub-issue: Account status incorrect

The following accounts are in violation of US 15 1666b : 1 ) XXXX XXXX XXXX XXXX ( Account Number : XXXX ) Time of delinquency : XX/XX/XXXX I also have a goodwill adjustment letter from the CEO of the bank XXXX XXXX. And the three credit bureaus are refusing to honor this letter. 

2 ) XXXX XXXXXXXX ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX XXXX ) XXXX ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX ) XXXX XXXX : ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX These four companies are all in violation of United State code 15 1666b and also United state Code 15 1681n. As a direct violation of my rights and the US code, the following late payments must be removed from my credit file : 1 ) XXXX XXXX XXXX XXXX ( Account Number : XXXX ) Time of delinquency : XX/XX/XXXX 2 ) XXXX XXXXXXXX ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX 3 ) XXXX ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 4 ) XXXX XXXX : ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I XXXX XXXX, am making this complaint for myself there is no third party involved. I did not consent to, authorize or benefit from the following inquiries. Pursuant to 15 USC 1681c-2 ( a ) " a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. '' I sent in an identity theft affidavit over 30 days ago and still have not received a response. The credit reporting agency is now in violation of 15 USC 1681c-2 and 15 USC 1681e .
Complaint sub-issue: Didn't receive enough information to verify debt

" AFNI '' is reporting on my credit report an account with a high balance and original creditor they listed as " XXXX XXXX XXXX. '' I had already verified with XXXX this account had been paid a couple years ago, and I have sent " AFNI '' two requests for validation of this account. The most recent was on XX/XX/2017, and I have attached it to this complaint. They failed to respond or provide any documentation of such account as required by FDCPA regulations.
Complaint sub-issue: Information is missing that should be on the report

Good morning my name is XXXX XXXX. I am contacting this office because there has been incorrect updating that has been affecting my credit score. The negative impacts have been impacting me in a negative way in my current milestone I am trying to reach. I am currently buying my first new home and my credit has been an outgoing factor that has been causing a lot of stress during this time. My mother XXXX XXXX has added me to her XXXX XXXX and Home Depot credit cards which have been helping my score. Her score keeps increasing and it seems mine is taking quite some time or for instance decreasing which is why I am doing complaint. The issue that is happening is that my mother paid off a significant amount of the balance that was owed in both of these credit cards which made her score increase but not mine and now my credit decreased which has not happened before it always increases my score. My credit score was at XXXX and it decreased to XXXX from XX/XX/XXXX until present date. If your office can kindly review my account and complete the changes that need to be done like updating correctly so my score will stop being affected.
Complaint sub-issue: Account information incorrect

The account information XXXX XXXXXXXX XXXX with {$1200.00} on my credit report is incorrect and needs to be deleted. I do not owe a XXXX to the XXXX at XXXX. The attached files support my position.
Complaint sub-issue: Attempted to collect wrong amount

The original creditor was XXXX XXXX XXXX XXXX XXXX apartments. My husband and I moved in XX/XX/XXXX. We were evicted XX/XX/XXXX. The apartment complex " SOLD '' the contract to PROCOLLECT INC. they are reporting on all three credit reports that we owe a balance of {$5400.00}. This was placed in collection XX/XX/XXXX. We have sent out letters for them to validate this debt. However, they sent us a copy of the contract and another statement with the amount owed to them. They doubled the amount. We have reached out to them many times regarding this issue .... XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,. We sent out several letters to which we have no response. We need this debt removed from the credit bureaus as soon as possible. They are making it hard to apply for credit and to move forward within our lives. This debt has so many unaccuracies. Please help us! PROCOLLECT INC is a SCAM!!!!!!!!!!!
Complaint sub-issue: Didn't receive advertised or promotional terms

I received an offer for a credit card fro Citi in XX/XX/2018. They offered e a {$200.00} statement credit. I applied for and received the card. I used the card for the required purchases. I have contacted them 5 times and they can not tell me when they will issue the credit. They tell me to call one number after another. No one can help, either they have no idea, and tell me to call tomorrow, or their system just crashed and to call in 2 hours
Complaint sub-issue: Their investigation did not fix an error on your report

This Dispute is geared towards the five credit reporting agencies, XXXX, XXXX XXXX, XXXX, Equifax, and XXXX. These companies are in the business of running criminal enterprises. XXXX and XXXX is in the business of selling personal and private information to XXXX, Equifax, and XXXX for commercial purposes. These companies share unverified and fraudulent non public information with non affiliated third parties without the consent of consumers as made into law by congress ... XXXX and XXXX are illegally gathering information and selling it to the 3 major reporting agencies without the consent of the consumer which is a federal violation ... All of the companies are committing racketeering and need to be punished by law. 
All of these companies are reporting an alleged public record with my name attached to it and need to delete it immediately. I've given no consent for any of these companies to have and/or share any alleged information about myself. This not only is a violation of my privacy but also many other violations in the FCRA and The Gramm Leach Bliley Act. If this situation is not corrected immediately, I will not hesitate to get this rectified in FEDERAL COURT
Complaint sub-issue: Debt is not yours

Received a voice mail on my phone number that has not been used in 3 years saying that she was XXXX XXXX from financial group with FINEX GROUP collecting a " Debt ''????? Call her at XXXX XXXX XXXX XXXX I did not return this call because I OWE NO ONE. I have NO CREDIT CARDS< I HAVE NO CAR PAYMENTS< I HAVE NO MORTGAGE, I HAVE NO DEBTS!!! These low-lives are all over the Internet with similar complaints. Put them in jail, out of business, deport, fined, whatever it takes.