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

I have two accounts/creditors on my credit report that list me as an authorized user. These accounts are not mine and I have not authorized anyone to add me as an authorized user. I have tried to get these removed by the creditor but they have not done so. 

I would like these accounts deleted from my credit report. 

XXXX / XX/XX/XXXX {$200.00} XXXX XXXX / XX/XX/XXXX {$1700.00} XXXX
Complaint sub-issue: No notice of investigation status/result

I have notified Equifax on at least 3 occasions, both through on line dispute and in writing regarding my credit being pulled by auto finance companies on XXXX/XXXX/XXXX. I explained this was done in error at the dealership and provided them with the manager at the dealership who is working with me to resolve this matter. Equifax did not investigate the matter, when I phoned after the first time in XXXX XXXX, as noted on their decision I had the right to ask of how they went about the investigation, I was told by 2 employees that they do not investigate inquiries. This is not my understanding under the fair credit laws. I am told if it is incorrect that I have a right to dispute and expect my concern to be investigated. It sits there for up to the 30 days they have, then they just keep saying it is valid and to contact the companies who pulled my credit. I have not only disputed this numerous times, they have failed on each occasion to contact XXXX XXXX XXXX at XXXX XXXX XXXX, in XXXX Al, and speak with XXXX XXXX who is the general manager at XXXX. He will verify this was done in error. They have failed to do this in the allotted time granted by law on at least 3 occasions and I am respectfully asking they remove all inquiries reported on XXXX/XXXX/XXXX from auto finance companies. I appreciate your attention to this matter. I chose proper notice of investigation since the other items did not exactly fit. They failed to investigate the issue. 

Respectfully, XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I've already sent out my dispute letters with proof that the credit reports were false and needed to be disputed between XX/XX/XXXX - XXXX. Unfortunately, Equifax is not doing a good job investigating because I specifically sent proof that it was taken off from other credit reports such as XXXX and XXXX. Even XXXX shows that XXXX of them was wiped and deleted from them recently. I don't understand why they can't just do a simple investigation instead of waiving it off like its nothing.
Complaint sub-issue: Debt was result of identity theft

So the report for XXXX is XXXX Ive been trying to dispute first progress for months and Ive asked the dispute representative today XX/XX/2021 what information are they sending to make you say its accurate and the only information they provided is the information that was a result of identity theft which is my name and my social which is really upsetting me as Ive sent several letters to them and even have my account on fraud alert and first progress keeps saying is accurate when its nit they made two duplicate accounts in my name and I want them gone, my name is incorrectly reported by then with a middle initial of XXXX when my initial isnt a XXXX The account has gotten taken off of XXXX and XXXX yet they kept trying to report to XXXX that it isnt fraudulent
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX  is reporting the wrong information to the three credit reporting agency. I have disputed this account to XXXXr Card, XXXX, Equifax and XXXX  on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have made numerous phone calls to XXXX but the issue has not been rectified. I filed a complaint with the XXXX XXXX XXXX ( XXXX ) and CFPB ( XXXX ) in XXXX. The executive office of XXXX Card responded that the information being reported is accurate. I sent certified mail to XXXX, XXXX and Equifax in late XXXX or early XX/XX/XXXX disputing this inaccurate information that is being reported by XXXX Card. I just did a credit check on XX/XX/XXXX and the information is still inaccurate. I have started a legal action against XXXX XXXX, XXXX, Equifax and XXXX. 

My credit history should report the payment being charged off in XX/XX/XXXX, not XX/XX/XXXX. On Equifax, it is reporting multiple charge off months and late payments but none of my  on time payments which is not an accurate reflection of my payment history. It is showing multiple charge offs months on XXXX up to XX/XX/XXXX. This is gross FDCPA and FCRA violations. I have extremely stressed out by this ordeal. I wrote a demand letter to all three credit bureaus to delete this information from my credit profile since it has failed to report accurately but to no avail.
Complaint sub-issue: Attempted to collect wrong amount

Plaza services was paid {$200.00} back in  XXXX  of   XXXX  , as soon as I paid them they still had access to my social, and charged more fees, not even a week later. If I were to owe them more fees the agent would have specified that. I believe they are abusing their authority to get money from people that are barely able to pay their own monthly bills. I too also receive public assistance as a supplement because I ca n't just survive off my work income.
Complaint sub-issue: Was not notified of investigation status or results

I have been disputing since XX/XX/XXXX inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-45 day timeframe that they are supposed to respond in. On XX/XX/XXXX I sent another dispute letter to each of the brueaus, demanding they delete the inquiries that I did not authorize. Here it is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have disputed inquiries on my Equifax report ( XX/XX/XXXX ) waited 30 days for a response to have the disputes verified or removed and have not received any response. 
1 ) XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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: Their investigation did not fix an error on your report

The list of inquiry is unknown and erroneous. The inquiry is pulled without my knowledge. Please be noted that I have sent out letters prior to this complaint to Equifax and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have this account be removed accordingly. 
XXXX XXXXXXXX Inquired on XX/XX/ 2021 2021
Complaint sub-issue: Debt is not mine

This bill should have been paid by the state of Nevada. I was XXXX at XXXX XXXX XXXX XXXX and XXXX Nevada XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. Therefore I Was a XXXX and not responsible my medical services. Not only that, I am a XXXX veteran and all medical bills are covered by the Veterans Administration. I was never notified of this dispute until seeing this last week on my credit report.
Complaint sub-issue: Problem with personal statement of dispute

I thought Kikoff was not a account I opened and so I filed dispute but it is my account only it was removed from my account I need it put back on
Complaint sub-issue: Fee problem

On XX/XX/XXXX, I had made a credit card payment through my account by accident while my bank account was negative, which would would balance out in the timeframe of my direct deposit. Instead, the bank allowed that ach transaction to go through before XX/XX/XXXX and assessed an overdraft fee of {$36.00}. At this point my account was negative, but as of XX/XX/XXXX they show on their record a return of that {$140.00} amount and assessed a {$36.00} fee for returning that amount. On XX/XX/XXXX, I attempted to call US Bank customer service to discuss transactions regarding my account since my most recent direct deposit from work. They informed me the amount wouldn't reflect as being refunded to my available balance, rather on their explanation that's something they do to show in accordance to federal regulations so they stay in good standings ''. So along with showing a returned amount that was NEVER refunded, they also penalized me another {$36.00} for an ACH transaction going through. Which according to them, is the way they treat their new customers. I attempted to ask for a phone number to corporate office, and I was informed they didn't have one.
Complaint sub-issue: Account status incorrect

I spoke with XXXX XXXX XXXX XXXX numerous times from XX/XX/XXXX - XX/XX/XXXX over an amount of {$170.00}. I was setup on auto-pay for the duration of the lease, and I was not notified my last payment would not be auto-paid. I did not receive any notice of owing a final payment until I started receiving collection calls at work. This was resolved in XXXX of XXXX after I made the final payment. I was assured by XXXX XXXX XXXX XXXX this would not appear on my credit report after the dispute was settled. I am confused why my report shows I was delinquent on this account from XX/XX/XXXX - XX/XX/XXXX, because the timeline doesn't match up. They also agreed to contact the appropriate credit bureaus to remove this delinquency from my report after admitting there was some clear miscommunication on their end. XXXX XXXX XXXX sent a letter XX/XX/XXXX agreeing to correct my report to show paid with {$0.00} balance and no derogatory credit marks ( attached ). As of XX/XX/XXXX, my credit score dropped 70 points after filing this complaint. I also reached out to XXXX  on XX/XX/XXXX to have the delinquent mark on my account removed as promised by XXXX, and this appears to still be an issue. My credit report shows no data ( ND ) from XXXX of XXXX through XX/XX/XXXX, when the account was paid in full XX/XX/XXXX. This account is closed as of XX/XX/XXXX, and marked as delinquent causing undue stress and bringing rise to other financial issues within my household.
Complaint sub-issue: Threatened or suggested your credit would be damaged

On XX/XX/2022 XXXX XXXX XXXXXXXX by Hunter Warfield flagged my credit files with inaccurate/unverified collection information. Their account was updated XX/XX/2022 Please be advised that Hunter Warfield are not Holders in Due Course ; no services or good were received from Hunter Warfield and I have not agreed to pay/tender anything to Hunter Warfield on behalf of anyone for any reason. Hunter Warfield have not provided any documents or itemized statements VIA MAIL proving I owe a debt to them. 
Proper documentation from Hunter Warfield was NOT provided to me to allow Hunter Warfield to verify the accuracy of their data before placing their accounts with the credit bureaus for collection. This proves DEBT COLLECTOR is not an honorable/honest business.

I have not provided signed wet-ink releases of my private living arrangements to Hunter Warfield .

Hunter Warfield do not have my permission to contact me on my private line attempting to collect on debts that do not belong to me. I will reply VIA MAIL and I can only be contacted via mail. Hunter Warfields reply outside of the CFPBs portal, must be delivered via the postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail fraud. Please abide by all mail codes. All calls are recorded for my safety.
Complaint sub-issue: Account information incorrect

I have tried to correct my disputes with XXXX, XXXX, and equifax. I continue to have inquires on my account which do not belong to me, addresses which do not belong to me, accounts which do not belong to me. All THREE credit bureaus have failed to help me in a timely manner.
Complaint sub-issue: Card was charged for something you did not purchase with the card

My issue has been ongoing since    2016.    Discover has continued to delay my credit for the fraudulent transactions on my credit card. I have sent the company the documentation they were looking for and responded to the CFPB, stating that they needed " additional time ''. They have gotten over 1 year to " investigate '' this issue and clearly are purposely avoiding crediting me the CORRECT AMOUNT of credits.
i have included  XXXX  screen shot of an example of confirmations for sending discover faxes even though they state they never received them More documents will be uploaded over the course of the week.
Complaint sub-issue: Attempted to collect wrong amount

I signed a lease with XXXX XXXX  back in XX/XX/2017. Once the beginning of the year came around the dog was just not working out. My husband called them and was told that the XXXX payment was going to process and our termination fee would be {$1900.00} something but that each time we paid on time ( they did ACH payments ) that it would go down that amount. So we decided to wait a little while. In XXXX he called again to find out what to do and was told that it was down to {$1700.00} something. I said that can't be right but lets call back and let them know they made a mistake when we decide to get rid of the dog. We give the dog to a no kill shelter because that was the only option we were given- later to find out we could have returned to the breeder at no cost. then when my husband called, suddenly he was no longer authorized to speak with them. So I called and they could not find my acoount even though I gave all of my information. They transferred me to another company- after telling me what to do with the dog and fee 's ( the last conversation said {$150.00}. They told me I needed paperwork and when I got it it was the wrong paperwork.They were clueless about my account until I forwarded them a bill I received after I told them numerous times that I did not authorize another payment. They still went through and tried to take a payment which resulted in me having to freeze and close my account. Before that I was told the amount has gone down to {$1400.00} something. so it's going down with the monthly payments it should be around {$900.00} since XXXX but the story always changes. I request the recordings and was told I could have All of them if I escalate my complaint which I agreed to do. Then was told I can't have any of the recordings. They had told me I could make payments and then I couldn't and then I could. This is a huge scam and because I have been fighting for the truth they have decided that I owe {$1900.00} something again! It is ridiculous!! I would like to send the emails with all the inconsistencies if someone can provide me with an email address. 

( I can not attach documents but if I am given an email address I can show you all of the inconsistent correspondence )
Complaint sub-issue: Information belongs to someone else

I requested a fraud alert on my credit because someone stole my identity. I am not a person that checks their credit frequently but i recently check it because i am trying to secure a home. I saw a few accounts on my profile that i have no idea about.I did not authorize them. I reach out to the credit bureaus XXXX  equifax and XXXX  regarding these accounts and they explain to me that i need an FTC report. I am a victim of identity theft. Absolutely none of the accounts listed are related to any purchases done by myself.
Complaint sub-issue: Application denied

I am attaching my letter-response to the company, with attachments, which explains in detail the circumstances of my complaint. I never received a response to my letter from the company.
Complaint sub-issue: Problem with fees

I removed an excess payment on my XXXX XXXX XXXX XXXX of {$2800.00} via cash advance at my local Credit Union. Later I realized XXXX charged a fee of {$140.00} for me to remove the excess funds to get the balance to XXXX. I feel it is unfair to charge a customer to remove a credit balance.
Complaint sub-issue: Was not notified of investigation status or results

I am submitting this complaint because the companies listed have failed to respond to my requests to correctly validate the debts they are alleging belong to me. I sent a letter with documentation proving the debt is mine on XXXX XX/XX/2021 and have not received a response. The Fair Credit Reporting Act Section 611 ( a ) stats that a failure to investigate and deliver the items I requested within 30 days requires the immediate removal of the invalidated accounts off of my report. I requested these companies to validate the information on the report and they have failed to respond to my requests. Again I would like you to know that it has almost been 45 days. The items that I have listed within the correspondence I sent them must be deleted immediately please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship these companies have caused me. I was affected by the Equifax data breach and this may be the result of this nefarious activity on my reports.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted an ID Theft report on XX/XX/2021. This is the second time I have submitted a report to the bureaus concerning identity theft. They refuse to block the information and everything in the report is factual and under penalty of perjury. You are violating the FCRA and my federal rights as a consumer. Pursuant 15 USC 1681c-2 this information should be blocked immediately.
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX. I am writing in regards to having these items deleted from my report. Also, I did not authorize these I am a victim of identity theft, I need your help in correcting my credit report, Please delete the items i have inquiry requests mentioned on the list. I have reported the theft of my identity to the Federal Trade Commission.
Complaint sub-issue: Investigation took more than 30 days

cra violation more than 30days must remove inaccurate stuff that are not mine sent them every thing they need
Complaint sub-issue: Account status incorrect

Contacted XXXX  in XX/XX/XXXX to inquire as to why Car Max Auto Finance was reporting my account as late, when I have documentation from Car Max Auto Finance that my car was paid off in XX/XX/XXXX.  Now, report from XXXX  shows account as " charged off '' as of XX/XX/XXXX. How can you " charge off '' an account 120 days after you sent correspondence to your customer that the account was paid in full. Account show paid in full with XXXX balance on XXXX  and XXXX.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

On XX/XX/XXXX I received a notification from XXXX that one of my credit card statuses changed. I logged into XXXX account to see my citi DoubleCash mastercard credit card decreased in limit by {$400.00}. This is after I just made a {$480.00} payment last month to substantially lower the balance on this card, now bringing the available credit from several hundred dollars to only {$80.00}. I was not notified by citi that this limit change was happening and it happened four days after the payment was made. I have made on time payments with this card since the card has been open, and have a great payment history with my other credit cards. There really is no reason for citibank to do this to me. 

When I reached out to citibank, to find out why and to get them to reverse this as I am trying to buy a home and them decreasing my limit harms my chances, I was told that I needed to reach out to XXXX because XXXX is their credit management company and would be able to assist with my request. I thought this was the most ridiculous referral I had ever heard but I let it go because it was the weekend and I did not want to deal with it. I called XXXX on XXXX, XX/XX/XXXX and they, of course, told me they couldn't help me. I called citibank back and was told AGAIN that I needed to call XXXX. That XXXX was the credit management specialists and they could tell me why the credit limit was lowered and that citibank could do nothing to help me, no supervisor could help. Finally the person over the phone gave me an address to dispute the credit limit decrease after I kept pushing and prodding that XXXX is an unacceptable answer to my problem. 

Even still, lower a customer 's credit limit with no warning ( its been 20 days since the limit has been lowered! ) and no notification and I have to send a letter with a credit report, my personal information ( social security number, account number, birth date, etc ... ), and a plea as to why it should be reversed is a lot to ask. I am now wondering if the limit would have been lowered if I hadn't made the payment. Is this a systemic issue with citibank?
Complaint sub-issue: Received bad information about my loan

In XXXX of XXXX, I spoke to an employee of FedLoan to try and get a better repayment plan. They offered to have me apply for an Income Contingent Plan, and I accepted. I was accepted for the plan, but the employee told me that a requirement of the plan was to sign up for ACH Payment ( automatic withdrawl from my bank account ). She transferred me to another person, who signed me up for this service. I did n't learn until months later that I had n't signed up for ACH through FedLoan, but with a third party called the XXXX. Even learning this, I did n't know that it was n't a requirement of the plan, and that the employee had lied to me. This ACH withdrawl came with a service fee, that I learned was actually just paying XXXX for their services. Again, at the time I was under the impression that this was a requirement for the Income Contingent Plan. Today, the first of XX/XX/XXXX, I called to make adjustments to my payment plan with FedLoan, and the employee today informed me that I never should have been required to sign up for a third party, or for ACH through that Income Contingent Plan. Over the last three years, I wasted over {$1000.00} paying this third party for services that I was not actually required to have. All because FedLoan 's employee in XXXX of XXXX told me it was required to sign up. I did n't know until today that I am not required for any reason to sign up with a third party or be charged service fees when paying back a federal student loan.
Complaint sub-issue: Account information incorrect

I have made several attempts via certified letters to Conn 's ranging from XX/XX/XXXX to XX/XX/XXXX to resolve the incorrect information that is being reported on my credit report. Currently, the account has been updated to charge-off status with a balance of {$220.00} being listed. This information is incorrect, as well, as the first date reported of the account being delinquent. I wish to have this account deleted from my credit report as it is showing inaccurate information and causing great difficulty for me in obtaining credit and proving good credit worthiness.
Complaint sub-issue: Debt is not yours

I saw my credit report and I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. Evaluate and investigate those account that is not 100 % accurate.
Complaint sub-issue: Debt is not yours

This debt is n't mines, I do n't have anything with XXXX!