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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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. 15 U.S.C 1681 Section 611 5 Section ( A ) ( I ) : states that any information disputed by a consumer that can not be verified or found inaccurate shall promptly be removed. This account shows as open when it is closed
Complaint sub-issue: Their investigation did not fix an error on your report

I have loan with XXXX XXXXXXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The Equifax and XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Equifax and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX Date Opened : XX/XX/2012 Balance : {$0.00}.
Complaint sub-issue: Right to dispute notice not received

I phoned the collection agency directly and mentioned this was not mine. The collection for {$89.00} posted on my Equifax Credit Bureau file in 2012 to have it removed.
Complaint sub-issue: Other problem getting your report or credit score

When trying to access an y credit score infor mation regarding my credit account with  XXXX  I get an error message after answering the verification questions repeatedly I even tried to access my annual credit report online and on   XXXX   website to no avail however when uploading proof of my identity in the dispute section they verified me and mailed me a report however I still can not access my score I see  two accounts  are positively reporting with them so I know I have a file but every time I try to access my   XXXX   score on   XXXX   or on  XXXX  or discovers scorecard I get locked out I need to be able to access my free   XXXX    fico score  I have similar problems with  XXXX  however  XXXX  has no problem identifying me I was able to access my report online they all have my updated mailing addresses to my  XXXX   XXXX   since w e have reported that with the credit companies and an official change of address so I do n't understand what is locking me out
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I sent a certified letter to a collection agency by the name of pro collect. I have a Chapter XXXX bankruptcy that I filed back in XX/XX/XXXX and it was discharged on XX/XX/XXXX. That debt was included in that bankruptcy, so I sent Pro Collect a certified letter with a copy of the discharge order from the bankruptcy court. They received the letter on XX/XX/XXXX, but I never got a response. On XX/XX/XXXX at approximately XXXX hours, I called ProCollect and spoke with a Ms. XXXX ( she would not give her first name ). She informed me that the account in question was restricted and I would have to contact a Mr. XXXX ( would not give his first name ) by email only. She gave me his email address. I contacted Mr. XXXX on XX/XX/XXXX at approximately XXXX hours and informed him who I was and of my issue. His only response was, Account number? I sent him the account number at XXXX hours and have yet to receive a response.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX someone else used my credit card fraudulent to purchase an XXXX XXXX XXXX XXXX without my consent at an XXXX XXXX XXXX XXXX XXXXXXXX. 
The credit card was in my possession at all times. After finding out that my card was charged fraudulently I contacted Citibank ( the card is theirs ) and let them know on the same day that my card was charged for the amount of {$1500.00}. They replaced my card with a new one and a new account and the amount was put on hold due to the fraud investigation. 
On XX/XX/XXXX the charge was reinstated. Contacted credit card and their answer was that the charge on my credit card was valid and myself picked up the merchandise from the XXXX store based on the answer from XXXX. This charge is not valid. I was not ordering anything and i did not pick up anything from that store period!!!. Of course XXXX said it was me because they do not want to be left empty handed!!! Shame on them!!! 

If this is the way that a credit card company is protecting their consumers then they are very WRONG!!!!.
Complaint sub-issue: Their investigation did not fix an error on your report

After doing careful research reading the FCRA laws XXXX, Equifax, and XXXX  are in violation. Every debt that is listed in bankruptcy that shows on the credit report should say : XXXX ( XXXX ) balance XXXX in bankruptcy. That is the only designation that can appear on what is called the trade line for that particular debt. Importantly, debts that are XXXX in bankruptcy can not show anything else such as any balance still owed, in collections, delinquent, Derogatory, charge-off, or any other negative information. Again, to reiterate, any debt that has been XXXX in bankruptcy can only show XXXX balance-XXXX  in bankruptcy. It appears that the " ACCOUNT STATUS '' on each of the trade lines shows : " DEROGATORY ', which violates the requirements of the FCRA. Also, the REMARKS section states " Dispute resolved ; reported by grantor '' which need to be removed for I did not authorize this comment on my credit report. I have prepared a letter to send to each of the corporate offices for the CEO 's of each  credit reporting agencies in preparation to start a lawsuit. No one should have go through this continued craziness! Please do not send me a pre-made generated letter stating you verified! This is my final attempt!!!!!!
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take into consideration this complaint I am writing to inform you that your information is inaccurate. I do not recall having bankruptcies on the dates you are reporting and there are blank fields making your information incomplete as well. Additionally, this is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved and then found a bankruptcy on my credit report! I never filed. I never went through bankruptcy. Please remove it immediately. 

Bankruptcy XXXX XXXX Date Filed XX/XX/2020 XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

XXXX XXXX bank XXXX XXXX XXXX I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. ''
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax continues to maintain Hard Credit Inquiries on my Credit Report that are unauthorized. I have notified each company by mail and phone more than once more than twice. Dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX etc. I contacted Equifax Credit Bureau by phone and mail. I was told by Equifax that credit inquiries are FACTUAL, I don't ' know what that means and when asking the Equifax representative the explanation I got was that the credit inquiry had to be authorized by me and that the credit inquiry must remain for two or more years. So my question is if a hard inquiry is not connected to any accounts on my credit report and the same hard inquiries are displaying more than one time, why would that be factual? Please help me. With all these security breaches and Hurricane Florence I have been displaced from my home and now living with family. This is a hardship for me as I am trying to make sure that my credit reports are displaying the correct information.
Complaint sub-issue: Problem with rewards from credit card

I purchased a washer and dryer online from the Home Depot website. During the purchase I read that if I open a Home Depot credit card I will receive a {$100.00} credit on my first purchase. I decided to do that and purchased the items for a total of {$1500.00} with a scheduled delivery date of XX/XX/2019. With the promised {$100.00} credit for my first purchase the total should have been adjusted to {$1400.00}. While I was at the local Home Depot in XXXX XXXX, NY on XX/XX/2019 to purchase some unrelated items I decided to look at the washer and dryer floor models I purchased online and noticed that they were selling for {$50.00} each lower than the price I received online. I asked a sales associate if the price I paid the week before could be adjusted to the sale price, they told me they could but I would have to go to the XXXX, NY store to receive the credit because it was registered as a sale from their store. I drove to the XXXX store and spoke to a sales associate there and they credited my original purchase price {$100.00} plus tax for a total of {$100.00} credit. The total cost of the purchase should have been {$1300.00} with the credit for the sale price and the separate credit of {$100.00} for opening a Home Depot credit card. I called the credit card representative and explained the discrepancy when I received my credit card statement and they explained to me that they can not give both credits. I explained that if I purchased the items on sale and opened a credit card account I would have received the {$100.00} credit for opening the account but the associate I spoke to, XXXX # XXXX, stated it does not work like that and they can not give 2 credits for the same items. I believe the {$100.00} credit is separate and distinct from the credit I received because the item was on sale. When I opened the credit card account I was told by the representative that I would receive the {$100.00} credit for opening the account. It does not state You can not get the {$100.00} credit if the items purchased are on sale.
Complaint sub-issue: Information belongs to someone else

Equifax erroneously posted someone else 's name, social security, addresses, and credit history to my account. This was isolated to Equifax as other bureaus did not have this these errors. 

I open a disputed to request Equifax to remove the name, social security number, and addresses and credit history from my account. The dispute resulted in removal of the other person 's name, social security and addresses. However, the credit history was not removed. I opened a second dispute on XX/XX/XXXX and it's been two weeks without an update. I'm in escrow and this affected my load application.
Complaint sub-issue: Company closed your account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, sd XXXX XXXX Regarding the account closure XXXX described below, I received a call from XXXX XXXX w citi at XXXX. He put us in touch w XXXX XXXX, Executive offices, XXXX. 

Ms XXXX advised there was no way to reopen the card. She promised to open a new credit card acct for us which would have the same credit history and same credit line. She also offered a balance transfer option at 0 % interest for 18 months. There was no mention of date expiration of this offer. Subsequent calls to Ms XXXX went unreturned. I was attempting to set up an appt for a phone call. Weeks passed and then I received a letter stating it was no longer review it for reopen. This is a contradiction to being told there was no way to reopen the card. In response to the XXXX  XXXX XXXX XXXX case XXXX I received a letter from XXXX XXXX dated XX/XX/2018. 

I need the offer extended to me for the new card and do not wish to deal with the application center. Need a call returned to me from someone that can honor these terms. 

Phone : XXXX XX/XX/18 Citicorp XXXX XXXX XXXX XXXX XXXX XXXX, sd XXXX Re complaint # XXXX and the attached account closure letter. 

we request the bank reopen this acct. we called as instructed in the letter but were denied. We filed the complaint. 

The bank failed to notify us of an intent to close the acct before doing so. Simply not using the acct is not grounds for closing the acct without advance notice. 

You are damaging my credit score and forcing me to do a hard pull to re apply, further damaging my credit score. 

I will contact the FDIC and the XXXX  if you do not reopen the acct. 

Send a new card or the mastercard which is replacing the visa. send this matter to the president 's office and customer complaints dept XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, ny XXXX
Complaint sub-issue: Investigation took more than 30 days

THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATION BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCUARTE, THE DATE LAST ACTIVE IS INACCURATE, AND DATE LAST REPORTED IS NOT ACCURATE. THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Credit Plus has repeatedly run my credit for the last three days without any authorization. XXXX. No action has been taken by myself or Credit Plus.
Complaint sub-issue: Information belongs to someone else

Equifax and XXXX XXXX are not responding to any of my requests to investigate, verify and remove accounts from my credit report/file that do not belong to me.
Complaint sub-issue: Received bad information about your loan

I have been on a payment plan for my student loan for almost 11 years, working for a XXXX company that qualified and verified me for the PSLF program. I checked with the loan servicers ( XXXX ), and the said that I have been making the proper payments to qualify me for this, that I should be at the payment requirement within the next few months. I had recently had my monthly payment increase again, so applied for a lower monthly payment plan, which I was moved to for a few months - then upon finding out about hte PSLF program, I had it moved back toan eligible payment plan, as I was told that it was on before the change - for the past 10 years. 

After verification by the new servicer, fedloan servicing dept, they claimed that I have only made 5 eligible payments over the 10 years I have been repaying the loan. When opening a chat session with support they said they solicited a canned response and promptly ended the conversation when I requested that this issue be escalated to a higher up. 

So now, they are saying that my loans wont be eligible until XXXX, by then they will have been paid of - making this program effectively useless for me.
Complaint sub-issue: Used obscene, profane, or other abusive language

The collection was to have been placed in hardship status, due to a household member going through a life-threatening medical situation. This account has been bounced between collection agencies, when it was to be placed in said status. Callers have also berated a household member by stating " You need more medications from the VA '', when this has to do with XXXX. Actually, the caller was very disrespectful to a member in my household. Caller also threatened to take legal action.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, Account # XXXX, Account # XXXX, Account # 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: Trouble with how payments are handled

I use Nelnet as my provider i switched to the repaye in XXXX XXXX ofcourse at that time the online application requested that I have called and spoken to them multiple times. First off they always tell you no matter what the call is the need 2-5 days to process. second of all they never reach back out to you when they say they will. I called maybe 50 times regarding my application. to confirm everything was correct and was always told everything was correct. I was also told what my payment would be. my husband and I sent in applications at exact same time his was processed. where mine due to many many errors on their end including putting my husband application instead of my own into my account told me they could not process my account so i had to send in paychecks. to make a very long story short they refuse now to calculate my payments based on my agi bc they have my paychecks per their request and demanding I had to submit them and also telling me multiple times not to send in my most update my most updated taxes. In the end they tried to blame me for the fact that they put my husband application into my account. which for one, even if my husband faxed in his application XXXX times why would they put it into my account. secondly, as if i could be on their end and scan it into my account. this complaint is based on the principal that i tried to avoid mistakes and have my application processed in the the fastest matter i could, and called and tried to be patient and most effective clearly their staff is not trained to know how to handle any situation or even give out the correct advice. even the solutions center was rude to me when speaking to him and kept telling me i put my husband application into my own account, the after researching more " suddenly '' found something he missed before that was their fault. make a long story short after prob 10 hours total phone with them and XXXX calls later they still messed up, do n't offer any solution, and now can not calculate my payment based on my AGI until i do my XXXX taxes next year!!!!
Complaint sub-issue: Overdrafts and overdraft fees

On a weekly basis BB & T banking practices put me in an overdraft.. The bank takes from available which makes it pending.. And then will also charge an overdraft fee for a pending transactions when a pending deposit is credited / pending. The bank manager is annoyed with me and wants to close my account
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, FL XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX, XXXX XXXX XXXX XXXX from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX/XXXXInquiry from XX/XX/XXXX + XXXX XXXX XXXX. 
XXXX-XXXX Inquiry from XX/XX/XXXX + Telephone Companies Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Complaint sub-issue: Information is missing that should be on the report

I spoke to both companies about this error. Both companies is pointing the finger at the other. At this point I don't care who's not doing their job, I just need my credit file with Equifax to be update correctly to report that I have a mortgage with XXXX XXXX XXXX XXXX. 

Furthermore ; as a result of the missing information from my credit report, my credit score has been impacted negatively and I have been denied for a loan.
Complaint sub-issue: Old information reappears or never goes away

My student loans have late payments back from XX/XX/XXXX-XX/XX/XXXX. During this time I was in forbearance, and then I was XXXX XXXX military. My account shouldnt have any late payments. 

And as of XX/XX/XXXX my student loans were paid in full due to the XXXX  XXXX XXXX due to being XXXX XXXX with the Dept of Veteran Affairs. 

Some accounts have over 33 missed payments on it, and in total theres over 100 missed payments being reported, essentially destroying my credit score. 

I am unable to receive credit due to the incorrect reporting of the Fed student loan service.
Complaint sub-issue: Their investigation did not fix an error on your report

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.