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

Hey I noticed a bunch of hard inquires on my credit report that is an accurate i have send over 2 pictures of them so you guys can see. I got a total of 8 hard pulls 4 from XXXX  and 4 from equifax i have sent the you the pictures below they are all inaccurate. I would like them all removed from both companies listed above, XXXX  and any other credit reporting service. If you have any questions please call me. I did apply for any of these things or deal with these companies. I just want to fix up my credit so it is accurate thank you
Complaint sub-issue: Attempted to collect wrong amount

I was advised at the court proceeding the amount of my debt was {$5000.00}, and that the amount would never increase as no interests will be charged. I have been making my monthly payments ever since and I was just advised on a phone call that my account is accruing 12 % interests and the amount on the balance increases {$81.00} dollars a month versus the agreed {$25.00} dollar a month payment. Therefore, this debt will never be paid down. As a consumer I feel that I have been lied to in attempt to collect this debt and it is unfair. In addition, why was I not told this in the beginning I would have seeked an alternate method of payment.
Complaint sub-issue: Information belongs to someone else

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX Account Number XXXX XX/XX/XXXX Account Number XXXX XX/XX/XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX CT XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXXXX/XX/XXXX XXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XX/XX/XXXXXXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, FL XXXX MULTIFAMILY XXXX XX/XX/XXXXXXXX XXXX G XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX DE XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX # XXXX XXXX, FL XXXX APARTMENT COMPLEX 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 Inquiries XX/XX/XXXX XX/XX/XXXXXXXX XXXX FACTUAL DATAXX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

On or about XX/XX/2016, I received notification on my credit report through XXXX  XXXX  that Receivables Management from what appears to be XXXX XXXX as the original creditor. However, XXXX XXXX is a urgent care facility and this debt has been PAID IN FULL -- as they will not treat a patient ( my minor daughter ), if there are ANY OUTSTANDING DEBTS on the account. This account was paid when I visited XXXX XXXX again with my daughter. 

Receivables Management Systems did not provide enough information on my credit report for me to VERIFY the debt. For example, there is NO ACCOUNT NUMBER referenced, no " TYPE '' of accou8nt, and I've repeatedly tried to DISPUTE this account with both XXXX and XXXX on numerous occasions. 

So let me ask, if there is NO WAY for a consumer to reference an account number to any payments made, how are ANY accounts being appropriately debited for payments received by consumers? 

Should the CFPB allow Receivables Management Systems to continue to collect debt and falsify credit reports of consumers by making it impossible for consumers to prove their debt with this collection agency has been resolved, paid in full, or even settled? If there is no account numbers reported, this company can literally be accepting payments from consumers all across the USA and never reflecting the payment ( s ) on their accounts.

XXXX   has had this dispute open for SEVERAL MONTHS without resolve. 

Is there a law regarding how long a company has to prove a dispute to be correct or incorrect? I thought this federal law was 30 days??? Why is this company STILL REPORTING I OWE MONEY TO THEM on two out of three credit reporting companies?

And in addition to all of this, when you go to their website http : //rmscollect.com/ and click on PAY ONLINE, the very 1st question is " Account Number '' -- and it's a required field to move forward. This collection has been on my credit report FOR THREE YEARS -- even though I've continuously disputed it -- and it has NEVER REPORTED an account number.
Complaint sub-issue: Problem with fees

XXXX XXXX FROM XXXX XXXX XXXX XXXX PHONE # XXXX SAYS THAT I HAVE A HUGE BALANCE WITH SEARS FROM 2013 AND THEY ARE SERVING ME PAPERS TODAY AND IF I DON'T GO TO COURT, THEN I WILL GO TO JAIL. HE WANTED TO KNOW WHERE I WORK AND MANY MORE DETAILS. 

I PAID MY SEARS CARD OFF MANY YEARS AGO AND DIDN'T HAVE ANY BALANCE AND DEFINITELY NOT A LARGE ONE CAUSE I NEVER CHARGED MUCH. 

HE KNEW MY NAME, BIRTH DATE, EMAIL ADDRESS, AND PHONE # AND SAID THAT I OWE SEARS A LOT OF MONEY AND HAVE YOU SEEN YOUR CREDIT REPORT LATELY, IT'S HORRIBLE, THEN I KNEW HE WAS LYING, IT'S VERY GOOD, I CHECK MY REPORT WEEKLY. I HUNG UP ON HIM AND BLOCKED THE PHONE # XXXX I CALLED THE POLICE DEPARTMENT AND LET THEM KNOW AND THE OFFICER SAID TO CALL YOUR FAMILY AND FRIENDS BECAUSE THEY MAY TRY TO REACH OUT TO MY FAMILY TO GET MORE INFORMATION ON ME.
Complaint sub-issue: Debt is not mine

There is a collections through Jefferson Capital Systems in my credit report account # XXXX from XXXX XXXX. I have tried disputed through the credit bureaus that it is not mine but have had no success. I called the company and they stated I lived at an address I have never heard of and a cell number I have never heard of as well. I told them it was not my debt and I wanted it off my credit report.
Complaint sub-issue: Trouble with how payments are being handled

Hi, I hold a federal student loan and the servicing company is FedLoan Servicing. My Account number is XXXX. My name is XXXX XXXX On XX/XX/XXXX I received a notification that my loan is becoming due to be recertified. Please see attachment XX/XX/XXXX. 

On XX/XX/XXXX I uploaded all the necessary documents for recertification with the income requirement. Please see attachment XX/XX/XXXX. 

On XX/XX/XXXX I received a recertification letter and my monthly payments were assessed at {$230.00}. Please see attachment XX/XX/XXXX. 

Please note, that I used the exact same income return for the previous year and my monthly payments were assessed at {$150.00}. Please find the following : 1 )  Attachment XXXX ( the IDR monthly payment assessment ) and 2 ) The tax return submitted to FedLoan ( attachment XXXX XXXX - Form XXXX - XXXX Tax Return ) with the IDR form signed on XXXX ( attachment XXXX XXXX IDR Application XX/XX/XXXX - XXXX ). 

On or about XX/XX/XXXX I contacted FedLoan Servicing and inquired about the discrepancy in the monthly payment calculation and was advised to resubmit my recertification documents without an explanation about processing times and guarantee that the mistake won't happen again. 

On or about XX/XX/XXXX I contacted FedLoan ServiceXXXX again and spoke to representative XXXX ID # XXXX. She reviewed my file and determined that there was an error in processing my IDR application which resulted in an increase in my monthly payment. She further informed me that she will put in request to review my application to correct such error. 

As of today, XX/XX/XXXX FedLoan Servicing has not followed up with any type of communication that my IDR application has been submitted for the error correction. I have not received an email or any type of communication regarding this issue. 

I would like my payments my monthly payments to be adjusted.
Complaint sub-issue: Account status incorrect

XXXX XXXX has been reporting a credit card debt as being charges off, not paid and deliquent instead of the truth- this account was closed and has been completely repaid through a court docuemented consent agreement. I disputed this issue with XXXX XXXX, their collection agency, XXXX XXXX, as well as the credit bureau, but they wont fix it and it is still affecting my credit negatively. I have a court document showing that the debt has been paid in full and have included it. XXXX XXXX should not be allowed to keep validating their bad information reporting when I dispute this issues with the credit bureaus. This document proves they are wrong and it needs to be corrected.
Complaint sub-issue: Information belongs to someone else

XXXX is reporting accounts that was open up fraudently in my name and refusing to remove them. Three XXXX XXXX accounts opened XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. One XXXX XXXX  open XX/XX/XXXX, One XXXX XXXX open XX/XX/XXXX. 

They are also reporting address from XXXX XXXX, IL that do not belong to me.
Complaint sub-issue: Information belongs to someone else

There are accounts and other information showing up on my credit report that does NOT belong to me. I've called and sent letters and still no solution.
Complaint sub-issue: Information belongs to someone else

XXXX   XXXX   turned my cable off next day. I am disputing ( Re- investigation ). The balance is inaccurate. See attached .and I turned in equipment as well. Please update credit file. all  XXXX . inaccurate infornatuon. please adjust or remove.
Complaint sub-issue: Other problem

As consumer and beneficiary of this account, I assigned XXXX XXXX as trustee for this account.
Complaint sub-issue: Was not notified of investigation status or results

OnXX/XX/2020 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Can't get flexible payment options

This Keybank/XXXX loan was to pay XXXX, The XXXX. I am on a graduated payment plan, but it is about to balloon more than XXXX the amount I am paying now and they said I have no options. I explained I am a single mom who is currently homeless and with a XXXX ( staying with friends and family ) and would n't be able to afford {$400.00} per month. My net income last year was XXXX. My XXXX may be able to support that much next year but not this year. They refused to refinance me. They said I do n't have any options. It feels illegal and wrong somehow. I 'm still willing to pay I just ca n't afford that much right now. I 'm begging for your help.
Complaint sub-issue: Debt was paid

As this is my last attempt to settle this dispute outside of civil court ; I will speak directly from the Truth In Lending Act. It is my hope that this can save all parties involved time and energy. As a consumer with full faith and credit in commerce I ask that the following is FACTS and TRUTH be recognized as it is stated in the Truth In Lending Act, which governs this company. 

1. 15 USC 1611- CRIMINAL LIABILITY for willful and knowing violation - ( 1 ) whoever willfully and knowingly gives false information or fails to provide information which he is required to disclose under the provisions of this title or ANY regulation issued thereunder.

- ( 3 ) otherwise fails to comply with any requirement imposed under this title shall be fined not more than XXXX or imprisoned not more than XXXX year, or both. 

2. 15 USC 1605- the amount of the FINANCE CHARGE in connection with ANY consumer credit transaction shall be determined as the SUM OF ALL CHARGES. The finance charge DOES NOT include charges of a type payable in a comparable cash transaction. Charges imposed uniformly in cash and credit transactions are NOT finance charges.

3. The term " credit card '' mean ANY card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. The term " accepted credit card '' mean ANY credit card which the cardholder has requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor, or services on credit.

4. The term " unauthorized use '' as used in section 133, means use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives NO BENEFIT. 

5. Consumer Credit Transaction- the transaction in which the party to whom credit is offered or extended is a NATURAL PERSON, and the money, property, or services whcih are the subject of the transaction are primarily for personal, family, or household purposes.

CIG has knowingly and willfully violated this consumer since XX/XX/2020, and to present day, still reports harmful and unfair credit billing information to the Credit Reporting Agencies ; which is by definition ; UNAUTHORIZED USE of the consumers credit card. The forms used to initiate this CONSUMER CREDIT TRANSACTION were false and deceptive and the subsequent theft of consumers property has cause enormous distress and hardships ; mental, emotional, and financial.

Congress has entrusted companies such as CIG financial with the opportunity to enhance economic stabilization by the informed use of credit. How can any consumer ever be truly informed of how consumer credit transactions truly function when companies, like CIG are knowingly deceptive and abusive to the consumer
Complaint sub-issue: Not given enough info to verify debt

This is a unknown debt. I have disputed and requested validation and nothing has been received. Please help
Complaint sub-issue: Account terms

I was denied credit on XXXX. I pulled an Equifax report on XXXX and found XXXX negative items, XXXX of which were supposed to have been removed last year in XX/XX/XXXX. I compared the NEW Equifax report with an Equifax report I pulled in XX/XX/XXXX. The information on these account WERE NOT THE SAME. All three negative accounts had removed the original date of negativity. Either Equifax is keeping INACCURATE CREDIT RECORDS on file or ALL XXXX Creditors changed my credit history with them. ( see attachment to copare the XXXX acccounts. ) I then called Equifax and this is pending a resolution. To my understanding, a negative account is supposed to come off your record after 7 years using the first day your account became negative. The person I spoke with at Equifax is telling me it is really the date of the last activity you have with the account. If this is the case, it is no longer 7 years to have a negative rating, but in my case. 9 years of a negative credit record. Please investigate this issue. If this happened to me, how many others out there?
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX5 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A. Section XXXX : It states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crime with antedates the report by more than seven years. 

XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX BANK XXXX XXXXXXXX XXXX OF XXXX XXXXXXXX XXXX XXXX
Complaint sub-issue: Reinserted previously deleted info

I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. In XXXX 2016, the credit bureaus removed the inaccurate information via CFPB and in less than 20 business entered the public record therefore holding my identity and credit under " Consumer Lock '' for 10 years. My initial dispute stated that the Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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

On XX/XX/XXXX I notified all three major credit bureaus of a breach of my personal information both through the Equifax Data Breach and the theft of my personal passport and affects on site at my work office. Late in the year I found that no locks were placed on my Equifax and XXXX  reports. Identity theft including two fraudulent credit cards, a car loan and a car rental were placed in my name. Both Equifax and XXXX made it difficult to access my credit reports directly through their agencies, this was off for me because I could access Equifax through XXXX and XXXX through a third party site as well. Over the last twelve months I have had to send correspondence requesting corrections to my credit report from incidents resulting from the breaches notified to their agency previously. On XX/XX/XXXX, XXXX and XX/XX/XXXX and XXXX of this year ( XXXX ) I have continued efforts to correct my credit report which resulted in majority of the accounts to be removed however Equifax denies my right to contest the 30+ inquiries that they refuse to block from my credit report that were allowed while I had a credit freeze on my report. My request for the reporting agency both Equifax and XXXX  have yielded NO documented investigation practices, nor the results of the disputed inquiries. Upon calling the agencies they disclose that even thought the inquiries were fraudulent that they must remain on my credit report. I have provided the laws and regulations highlighted in my disputes and police reports and an FTC fraud report. All of which have proven to be unsuccessful in Equifax, and XXXX high and might oversees customer service team which refuse to correct my report.
Complaint sub-issue: Debt was result of identity theft

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against ENHANCED RECOVERY. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Complaint sub-issue: Account status incorrect

EQUIFAX I AM CONTINUOUSLY HAVING ISSUES WITH EQUIFAX 'S FALSE REPORTING. 
DURING XXXX THEY DEDUCTED 9 POINTS FROM MY CREDIT SCORE BECAUSE THEY FABRICATED A ACCOUNT REMOVAL FROM MY XXXX  ACCOUNT. 
THEY STATED THAT MY AUTO ACCOUNT WAS REMOVED FROM XXXX XXXX. IT HASN'T. 
I BELIEVE THAT THE MANY PAST MONTHS OF INCONSISTENT REPORTING IS THE RESULT OF TAMPERING FROM EMPLOYEES WHO ARE WORKING WITH OUTSIDE ORGANIZATIONS AND AIDING MEMBERS FROM SPECIFIC LODGES FOR REQUESTED RETALIATION THIS TAMPERING WITH MY ACOUNT SUCH AS CHANGING MY BIRTH DATE, MY SSN NUMBER. INSERTING FRAUDULENT INFORMATION IS CONSTANT
Complaint sub-issue: Old information reappears or never goes away

I have tried to contact Equifax XXXX  and XXXX XXXX regarding old car loans that are eight years old and over and another one thats almost 6 years old almost 7 that are no longer open with XXXX XXXX. None of these agencies have bothered to close the accounts I have contacted them multiple times as well. Consequently I can not do anything and my credit score is abysmal.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX, ( XXXX ) XXXX ran XXXX unauthorized credit inquires on my name as listed below : XXXX XXXX Inquiry XXXX XXXX, 2017 XXXX XXXX XXXX  Inquiry XXXX XXXX, 2017 XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, 2017 XXXX XXXX Inquiry XXXX XXXX, 2017 the people responsible were : Finance Manager XXXX, and Office Manager XXXX, Sales Agent XXXX. Car dealerships run you credit multiple times so that your score can go down and they can charge you higher APR. THIS IS FRAUD!! Disciplinary action should be taken against. To start, I specifically told XXXX to not run my credit and I was no longer interested in purchasing the car on Thursday evening X/XX/2017. They still went ahead and ran the credit on X/XX/2017. Once is forgivable. But I went into the dealership Saturday on X/XX/2017 and specifically told XXXX the deal is off, and I asked about the credit inquires, and he mentioned that only XXXX inquiry was made on X/XX/2017 at XXXX ( I recall the time roughly ) to get my credit score. We ended the conversation there without authorizing him to shop for rates for me in XXXX / XXXX/ or XXXX XXXX XXXX . Furthermore, he lied and said if he would shop it would be through XXXX only as they give the best rates and not XXXX or XXXX XXXX XXXX. I would like the credit inquires cleared from my file. and I would like a warning sent to this dealership to better protect consumers. Thank you,
Complaint sub-issue: Threatened arrest/jail if do not pay

I wrote a complaint on XXXX/XXXX/2015 regarding the collection practices of Delaware Solutions LLC. Today, XX/XX/XXXX, XXXX XXXX from Delaware Solutions called me again and stated that I 'm being served papers today if I do not pay a past due amount on a payday loan taken out XX/XX/XXXX. I told XXXX that I know my rights under the FDCPA and that I 'm requesting debt validation in writing and I have the right to dispute the validity of the debt. XXXX stated that they have already proven that it is my debt just because they have my social security number and email address. I informed him that I have sent a cease and desist letter and he stated he will continue to call me everyday to get a payment regardless of the letter. He then called me a XXXX who sounded like an XXXX and did n't know the laws. He continued to call me stupid as a recited my rights as a consumer. He then told me that I was going to be arrested and will serve time in jail for the unpaid debt. I informed him that he was breaking the law by using abusive language and by threatening jail time and he stated he was not. I hung up the phone, he immediately called back yelling at me that I was going to jail.
Complaint sub-issue: Information belongs to someone else

Macy 's account is identity theft. I have sent FTC reports to XXXX, they still will not remove the MACYS/DSNB account. XXXX  is playing dirty games ....