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

XXXX XXXX sent me 3 different sets of paperwork ( which I 've attached ). The information XXXX XXXX sent me bears different dates XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. These loans are fraudulently reporting to credit bureaus and I 've asked them on numerous occasions to validate this debt. My concern is that XXXX XXXX paperwork contains 3 different hand writings that are n't mine. Not to mention the dates are way past the statue of limitation. The first one that states consolidation loan bears a signature that does not match my own along with a stamped date of XXXX/XXXX/XXXX. The second statement has XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX and the last statement says XXXX XXXX XXXX which is not my name at all on XXXX/XXXX/XXXX. This is very concerning that XXXX XXXX does n't have proper documentation on said accounts and is a violation of my rights.
Complaint sub-issue: Information is missing that should be on the report

Someone changed my address to XXXX XXXX XXXX. XXXX sent from XXXX XXXX XXXX XXXX. XX/XX/2022 XXXX XXXX XXXX showed a purchase of car which I did not.
Complaint sub-issue: Their investigation did not fix an error on your report

The number of times late that is being accounted on my credit report seems to be inaccurate and or deceptive.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act Nelnet Acct XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Their investigation did not fix an error on your report

I am saddened to report that Equifax, XXXX and XXXX are reporting fraudulent information on my credit reports. I did my very best to resolve this issue by submitting a FTC report to prove the accounts don't belong to me. However, they continue to blatantly disregard the affidavit. This act of inconsideration and disrespect is causing me extreme anguish and Im strongly considering seeking litigation. Please help me ASAP. Thank you.
Complaint sub-issue: Reporting company used your report improperly

I Recents really realize inquiries on my credit report that I did not authorize I have been a victim of identity theft with my ID and Social Security card was stolen I did send out letters. On XXXX, XX/XX/XXXX XXXX and XX/XX/XXXX asking for this inquiries to be removed from my credit report that I do not authorize. customer service at XXXX or XXXX would not help correct my file by deleting the unauthorized inquiries reporting to my credit report. 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 CREDCO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDCO 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: Can't close your account

I received an unsolicited Cash App debit card in the mail the week of XX/XX/2020. I was able to verify that an unauthorized account was opened with Visa on XX/XX/2020 and XXXX XXXX  on XX/XX/2020. XXXX canceled the card and XXXX XXXX  closed the associated account ; however I have been unsuccessful in closing the Cash App account which was fraudulently opened in my name using my mailing address. 

I contacted Cash App via XXXX first on XX/XX/2020 and received instructions to close the fraudulent account through the app by logging into the unauthorized account. Since I did not open the account myself ( as it was fraudulent and not opened by me ) I had no way of doing so. 

Since that initial email, I have had email correspondence with XXXX ( XX/XX/2020 XXXX XXXX ), XXXX ( XX/XX/2020 at XXXX XXXX  ), XXXX ( XX/XX/2020 at XXXX XXXX ), XXXX ( XX/XX/2020 at XXXX XXXX ), XXXX ( XX/XX/2020 at XXXX XXXX  ), XXXX ( XX/XX/2020 at XXXX XXXX ) who have each replied with various follow up questions. Some including requests for specific amounts and dates of fraudulent transactions are not answerable as I do not have access to the account. I have not had sustained correspondence with a single person at Cash App as a different person replies to each email I send. I have uploaded photographs of the physical card with the account numbers, expirations dates, and security codes. As Cash App does not have a live customer service line, I have not had any success in reaching a live representative.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act ... the following account XXXX # XXXX has violated my rights ... .... 

-15USC 1681 Section 602A ... states I have the right to privacy.

-15USC 1681 Section 604A Section 2 ... .. also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Application denied

I received a pre approval letter in the mail. I went to conns.com/activate to activate this offer. If you go to that url you can see it clearly states that it will have no impact to credit score and on the second page the form said no hard credit pull would occur. I completed and submitted that form and it gave me a message that said they could not approve me without a hard pull and gave me a button to click as well as a phone number to call to authorize a hard pull. I did not click on that and closed my web browser. However about two hours after this Conn 's performed a hard pull on my credit without my authorization. It appears someone at a store pulled my credit without my authorization.
Complaint sub-issue: Not given enough info to verify debt

Have not recieved valid verification that this is my debt. I disputed this 2 months ago. This is not my debt
Complaint sub-issue: Information belongs to someone else

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX XXXX  equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX - XXXX
Complaint sub-issue: Reporting company used your report improperly

This is about Improper use of my report, and my private information being divulged without consent due to Equifax 's failure to protect my private information, putting me at risk for identity theft. The company discovered this problem months ago and failed to notify me in a timely manner that they had a data breach where my information was stolen increasing possible damages to my financial stability.
Complaint sub-issue: Information belongs to someone else

THE ACCOUNTS LISTED HAS BEEN REPORTING AS DEROGATORY ACCOUNTS ON MY CREDIT FILE. THOSE ACCOUNTS HAS BEEN TARNISHING MY CREDIT AND I WOULD LIKE THEM TO BE COMPLETELY OF FMY CREDIT FILE. THESE ACCOUNTS HAVE PREVENTED ME FROM ACQUIRING NEW CREDIT AND I AM IN DISTRESSED THAT THIS HAS BEEN GOING ON WITHOUT MY KNOWLEDGE UNTIL I RECENTLY UPDATED MY REPORT.
Complaint sub-issue: Personal information incorrect

I applied for a credit card at XXXX XXXX. I was declined at the store to get a card. I received a letter from XXXX XXXX  stating that the reason they were unable to approve my request is that " Credit bureau reports applicant is deceased '' by Sagestream , LLC. 

I am very much not dead and don't know how to go about fixing this with them. They have not responded to me. 

Thank you for your time. 

XXXX XXXX
Complaint sub-issue: Problem during payment process

Contacted representatives of the company via telephone and emails several times in XXXX and XX/XX/XXXX because of the financial hardship I am experiencing from Hurricane Irma.  However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XX/XX/XXXX on my credit card accounts.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX as the lender never sent me any billing statement, nor payment alert, nor payment book, nor notice if there's any overdue. Yet they report I had 1 late payment for no more than 2 weeks. 

How can they expect customers to pay when they don't send customers billing statements? 

I still don't know my loan number, I have not seen my billing statement, and I have not seen the due date at all. 

It is not right for XXXX to file such claim to damage my credit, given I had 28 years of excellent credit history with no late or missed payment and my credit score was XXXX. Now it dropped to XXXX because of XXXX XXXX false claim. 

In addition, credit bureau does not inform me when they dropped my score drastically for a single late payment that was not even my fault. Credit bureau did not investigate at all, they merely report what lender says. But when the lender is a bad lender such as XXXX, then consumers like me are not protected. We are being bullied by big businesses such as XXXX and credit bureaus.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureau is reporting inaccurate information on ACIMA CREDIT FKA XXXX  XXXX Balance {$3500.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Complaint sub-issue: Information belongs to someone else

To Whom it may concern : This is the second time that I try to remove information from my credit report that do not belong to me, I filed an FTC report and sent it to your company but these account still showing in my report, them I decided to file a police report which is been attached to this complaint, I don't have an idea how my identity was stolen I just know that I need help with this situation before it becomes more serious. Thank you.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

My complaint is regarding bogus charges/fees to my account. The information they are stating to me is not accurate. 
In XX/XX/2021, i received a statement saying i owede XXXX balance which should have been my final payment. I paid the XXXX. I got another statement at the end of XXXX saying i owed XXXX. I paid that. In XXXX i get a bill saying i owed XXXX in late fees. As i was never late, i couldn't understand. I called to find out the charges. They told me they would wave XXXX late fee but i had to pay the remaining. I asked several times what was the charges for. No explaination. I then decided to spare my credit, i would pay the XXXX even though i knew i didn't owe it. I just wanted my credit clear. Bur they keep billing me and im at my witts end. They sent me a bogus statement saying in XXXX, i owed XXXX but i really only owed XXXX for XXXX. So i was able to find my statement for XX/XX/2021. It had a balance of XXXX. XXXX. Next payment due XX/XX/XXXX in amount of XXXX. I paid XXXX on XX/XX/XXXX. I made a purchase of XXXX. XXXX on XX/XX/XXXX. My next payment was XX/XX/XXXX in amount of XXXX. I made a XXXX payment all the way up to XX/XX/2021 when i made the XXXX. Payment. I can find no logic for me owing XXXX as they claimed i owed in XXXX. I did electronic payments through my bank. I never missed any payments and didn't make any other charges. I have begged for them to look at this error that has obviously been made. 
to the correspondence that was sent to me, the have my XXXX balance as XXXX there is no way possible my balance could have been XXXX when I made no charges, was never late on payment, never missed a payment. My balance was only XXXX. The statements I asked them to provide a copy of the statements, not these typed up letters they are submitting but actual statements to prove to me where these extra charges come from. I have made one purchase this year. XXXX. I'm begging for a resolution because I don't owe this money. I promise I paid what they billed me!
Complaint sub-issue: Their investigation did not fix an error on your report

I XXXX XXXX have no other recourse but to file a complaint with the Consumer Financial Protection Bureau pertaining to an illegal collection process against me by XXXX XXXX. I did have a XXXX XXXX account back in XXXX, then I had to file bankruptcy. He XXXX account balance was placed in the bankruptcy petition. Now here we are 11 years later and XXXX has place an account on my credit bureaus that shows a {$390.00} balance on XXXX  and XXXX XXXX, and a XXXX  balance on Equifax. The truth is, the account is so old that it has longed surpassed the legal timeline for actual reporting with the credit reporting agencies. It has long surpassed and collection remedy if one actually still exist, which it does not. Accordingly, XXXX is abusing my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. XXXX XXXX is also violating its subscriber agreement with all pertinent credit reporting agencies, and the Consumer Financial Protection Bureau should sanction XXXX XXXX for such egregious and illegal collection activities. This account must be deleted permanently and my file information must be purged by XXXX XXXX so that this collection activity will no longer happen to me again. XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Problem during payment process

Since XX/XX/XXXX several negotiable instruments endorsed per to bills of exchange act, UCC 1-314, 1-308, 1-306, 1-603, 3-416 12 usc 411, 18 usc 8 and hjr 192 along with several others, have been sent totaling over {$9000.00} between two accounts. To discover financial services. Ending in XXXX and XXXX. However PAYMENT was accepted, never returned nor credited. PAYMENT is not defined in the contracts or terms of conditions in discovers and agents refuse to define it. I have told them repeatedly that they may either return my endorsed instruments or credit my account. They refuse to do both. I have reported several billing errors disputes as well as provided instructions and they refuse to acknowledge my billing error disputes, apply credit, and attempt to mark payments as late.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The following inquiries done by XXXX XXXX XXXX, XXXX, XXXX were not authorized.. I have never been contacted by this company either which leads me to believe that is all some sort of error. Please look into this matter for me and delete this information or provide me with documentation that proves this inquiry was authorized or delete it from my credit report
Complaint sub-issue: Old information reappears or never goes away

On XX/XX/2021, I submitted a dispute for an account with XXXX. I think the balance on the account was {$390.00}. The estimated completion date for the dispute was set for XX/XX/2021. However, the dispute was never completed by that date. I called Equifax in regards to the dispute not being resolved within the 30 days and the rep told me that because of this, the account would be removed. The account was removed. 
On XX/XX/2021, I received an alert stating that the same account was placed back on my credit report, causing my score to drop by 32 points. I logged back into my My Equifax account to just see that the original dispute still hasn't been resolved and is still showing under investigation. Furthermore, there's a dispute that was done on XX/XX/2021 and shows completed on XX/XX/2021 that was NOT SUBMITTED BY ME. Shortly after that dispute was submitted and completed, the account with XXXX was added back to my account. According to the Fair Credit Reporting Agency, the original dispute submitted on XX/XX/2021 was not completed within the 30 days so the account was removed and should have remained removed. It should not have been placed back on my credit causing it to drop 32 points. What do I need to do fully resolve this matter?
Complaint sub-issue: Didn't receive advertised or promotional terms

I received an email from XXXX XXXX on XX/XX/2020 stating the termination of my XXXX frequent flier account due to 'Fraud, misrepresentation, abuse or violation of applicable rules ' with my credit cards ( Citi and XXXX both offer XXXX  XXXX personal and business credit cards, and I have possessed all 4 at certain points in time ). The email does not state specifics, and offers no contact avenue for a  response. I have emailed back twice, and called several times, with no response. With each of these cards come promotional bonus miles, which were all taken away with the closure of the account. There was no gaming/abuse/fraud committed with applying for, and receiving these cards over a multi year period, and I am alarmed that my miles can be taken away with no avenue of response or venue of contact.
Complaint sub-issue: Talked to a third party about my debt

The Payday loan lender QuikCash XXXX MO contacted my friend about my payday loan and gave him explicit details about my loan. When I got it, how much I owed, and told him that he should help me pay it. This is unacceptable behavior as this is personal information.
Complaint sub-issue: Reporting company used your report improperly

Application Status To check the status of your pending application, please enter your Application ID and your Zip Code and then select Continue. 

*Required Field *Application ID : XXXX *Zip Code : XXXX Cardmember : XXXX XXXX XXXX Application Id : XXXX Add citicards@info.citibank.com to your address book to ensure delivery. 

Your Citi Credit Card Application Status Your Citi Credit Card Application Dear XXXX XXXX XXXX : Thank you for applying for a Citi credit card. Your application for the Citi Card was received on XX/XX/2017. 

We are currently processing your application and will be in touch within 1 week. We look forward to the opportunity to serve you. 

To check your application status, please click here. 
https : //www.accountonline.com/cards/acq/CardApplicationStatus.do? screenID=XXXX & applicationID=XXXX We look forward to having the opportunity to serve you. 
so i put in my information ... and this is the message ... Citi We are unable to complete your request at this time. Please call XXXX for further assistance. so i have great credit just follow my asset # XXXX because when you take out a loan you have to show THE FEDERAL RESERVE YOUR CREDIT SCORE AND I HAVE THE NEW CREDIT ALLOWED BY MY FATHER XXXX TAKE IT UP WITH HIM HERE IS HIS NUMBER XXXX
Complaint sub-issue: Information belongs to someone else

I want to report Identity Theft that has been going on for years. I never knew much about credit or cared to use it until recently. Now that I'm looking to build my credit I've noticed several things on my report that I never opened. I've sent dispute letters in the past and have been having a hard time getting everything removed. Please remove these accounts as soon as possible.
Complaint sub-issue: Termination fees or other problem when ending the lease early

This is my XXXX lease with Audi. I have always turned in my leases early with no issues. I initially went to trade in my car and get into another lease in XX/XX/XXXX. My credit had taken a hit but I had excellent payment history on 5 other cars with Audi. They turned me down and told me to try again in a few months, which made no sense to me. In XXXX I tried again and they were able to get the lease offer to go through. I asked the salesperson about my remaining balance and the circumstances and she told me not to worry. Even when I was with the girl in finance, I asked her if my other car was paid and she also told me not to worry. There were two payments that were put at the end of my loan due to 1. ) paying out of pocket for XXXX treatment in XXXX and not being reimbursed and 2. ) a serious financial hit that I took from an accident in XXXX. Audi told me to let the dealer know about the circumstances and I did that. All was well until XX/XX/XXXX when I received a balance due from my other car. I immediately reached out to my salesperson and she basically gaslighted me. At one point she accidently sent me an email where she was speaking negatively about me which was inappropriate and upsetting. I spoke with XXXX XXXX and Audi Financial. Audi Financial would not work with me and I told them that I was duped by the dealer. I was in a bad medical situation due to XXXX and they lied to me. My car should have been paid off and I wouldn't have gotten into another car if not. They should have been up front and put that amount in my new loan or whatever they have done in the past. This is totally unacceptable. I've had issues with their service being unethical as well. They tried charging me several times in the past for items under warranty. In that situation, XXXX XXXX was able to assist and I never returned to them for service. Audi Financial refused to help. XXXX XXXX tried to assist and spoke with the GM of the dealership and he admitted to them that he has had issues with his team. When I tried to work with him to resolve this situation, it became harmful to my wellbeing. He was combative and rude. With my health issues, I'm not able to deal with this type of behavior. Last week, I received a collection notice regarding this disputed balance. I have exhausted all options to resolve. This is illegal and unethical. Taking advantage of a XXXX patient is so disturbing. Then on my current vehicle that payment was due on XX/XX/XXXX, Audi Financial is preventing me from making a payment. At first I thought it was a site error, but when I tried again today, there was NO way for me to pay my car payment online. There are no payment options available in my online account! I've been making on time payments since I started this lease!
Complaint sub-issue: Other problem

On  XXXX   XXXX ,   XXXX  , I purchased mattresses from Macy 's using my store credit card for {$980.00}. I chose  Macy  's for my purchase to take advantage of their interest-free financing so I could pay the purchase off over time. I am currently under-employed due to health issues and have limited resources. At the time of my purchase, I did not remember that I had set up my Macy 's online account for autopay for the full statement balance, which I had done years before when I was in better financial shape.     On   XXXX   XXXX  , I received an email from  Macy  's that my statement was available. The email did not give any information about the amount that was due or the date that my auto payment would post.     On   XXXX   XXXX  , I received an email alert from my bank indicating that an ACH transaction to Mac y 's f or {$980.00} had posted. I did not see the email until   XXXX   XXXX  , at which point I immediately went onto the Macy 's credit card site ( which is handled by   XXXX   XXXX   XXXX   XXXX   ) to change my payment options so this would not happen again.     YOU CAN NOT CHANGE YOUR AUTOPAY SETTINGS FROM THE WEBSITE. In order to change them,  one  is required to call a customer service phone number, which is not a 24-hour service. I was unable to reach customer service because my call was outside of their office hours.     I believe it is an abusive practice to allow autopay but (  1  ) not inform customers that you will not be able to change the settings online, and (  2 )  force online customers to call a call center that is not open 24 hours to change online settings. I also believe that all credit cards that have their own autopay mechanisms should be required to alert consumers prior to the posting date of THE AMOUNT AND DATE OF THE UPCOMING PAYMENT. Given the exhorbitant interest rates they charge, this is the least they can do.
Complaint sub-issue: Account status incorrect

Old XXXX XXXX account removed then reappeared as open its inaccurate