Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Threatened or suggested your credit would be damaged

Recently, I reviewed my XXXX credit report to learn that they're were 16 negative reports posted on my account that is affecting me credit score. When I reached to the debt collector about this problem they told me that the debt can not be corrected unless I was in the military or school during the 3 month period XXXX XXXX, XXXX, XXXX XXXX. 
First, I was unaware of this negative action since my other accounts had no reflection of 16 student loan account being in a negative status. 
Second, they told me that I did not call in to notify them to continue my financial hardship plan. I was not aware about this and I tried to get a permanent XXXX note from a doctor. 
Third, Does 3 months really have that much of an impact and can't this be corrected with some kind of adverse action? I also explain to them that all student loans should be in a positive status since there was a federal extension applied until the end of this year. 
I was furious about this matter and requested to speak with a supervisor for being penalized for 3 months. Why did Nelnet report 3 missed payments to the credit bureau 's when they never contacted me about this matter and since I tried to apply for a XXXX application those 3 months should have been forgiven. I was out of school for a period of 3 years until I re-enrolled the same year when the 3 months was reported.
Complaint sub-issue: Information belongs to someone else

My wife and I have been a victim of identity theft. We pulled our credit because we kept getting calls about a debt we owed from a rental property. We have no idea what this debt is about. There are several things on our credit that do not belong to us and that were open under joint accounts with our names and social security numbers. Please remove these fraudulent items from my report.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned item lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, is the item they failed to verify : XXXX XXXX XXXX Balance : {$860.00}
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Creditor Information XXXX XXXX, XXXX. 
XXXX XXXX XXXX, TX XXXX Balance {$4500.00} Account XXXX This account was closed in 2014 Now its been reopened by a Collection Agency that's I had no agreement with Account was issued to XXXX XXXX My legal name has always been XXXX XXXX XXXX I asked this be removed from my credit report ASAP Thank you XXXX XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

This account was charged off due to my lack of handling credit. After this account was charged off I reached out to XXXX XXXX and I paid this account in full. The agreement I had with XXXX XXXX was that they would delete this from my report as long as I pay the balance in full. I have followed up with them numerous times to no avail. I am the reason my account was charged off and do not blame XXXX XXXX at all, however their tactic to get me to pay was fraudulent and not needed. I initiated contact with them to pay this debt as I wanted to right my wrong and was told they would remove their reporting from my file.
Complaint sub-issue: Attempted to collect wrong amount

I was contacted by a collection agency for defaulted student loans. I was offered rehabilitation in XXXX XXXX. I agreed and was sent paperwork to sign and return and an automatic payment was set-up. In XXXX XXXX I was contacted and told my loan agreement was not returned. I again mailed the paperwork I had received from the agency. I thought that this was strange because my income/expense information and my payment information were both " received '' and in effect at the time of the call in XXXX. In XXXX XXXX, I was contacted again by the same agency and told that my loan was not in rehabilitation because my paperwork had not been received. I had at this point made XXXX consecutive payments. I agreed to re-sign and submit the documents again. I did so. My new address ( across the country ) was shown on the documents I electronically signed. I was contacted again in XXXX. XXXX. I was told again that my documents had not been returned and that I was not in rehabilitation. At this point, I have made XXXX consecutive payments. The agency sent my " loan agreement '' ( which is the most important document of the bunch ) to my former address even with my correct address on the income/expense and other documents. I am trying to qualify for a home loan and I show that I am still in default. The agency wants me to re-sign the documents for a 3rd time in order for me to begin the rehabilitation process. By the time it is finished, assuming that this time they will send me ALL of the documents I need to complete this program, it will have taken me XXXX months to " complete '' the rehabilitation process. The agency is telling me now that my options are to try to begin again and they have assured me that I will get all of the documents " this time '' or to pay the full balance and still have the default notation which may prevent me from being able to qualify for a home loan until another 9 months has passed or even longer to wait for the notation to be removed. I was told that if I had returned the " loan agreement '' then this would not be a problem. But I do n't think I have ever been sent one. This agency sends documents to " qualify '' for the program including setting up a payment then is supposed to send a " loan agreement '' to be signed and returned. However the only things I have received from this agency are the " qualifying '' documents and the monthly notice of the payment.
Complaint sub-issue: Didn't receive terms that were advertised

I opened a checking account with Key Bank online on XX/XX/2018. At opening, I used code XXXX, which promised to give me {$300.00} after direct depositing {$500.00} and making 5 qualified debit card transactions within 60 days after account opening. Full text from the account agreement disclosure is : " OFFER IS AVAILABLE TO CLIENTS WHO DO NOT HAVE OR HAVEN'T HAD A KEYBANK HASSLE-FREE ACCOUNT, OR A KEYBANK CHECKING ACCOUNT WITHIN THE LAST 12 MONTHS. MAKE A DIRECT DEPOSIT OF AT LEAST {$500.00} AND A COMBINATION OF FIVE DEBIT CARD AND/OR BILL PAYMENTS WITHIN 60 DAYS AFTER ACCOUNT OPENING TO GET {$300.00}. DIRECT DEPOSIT TRANSACTIONS ARE LIMITED TO : PAYROLL, SOCIAL SECURITY, PENSION AND GOVERNMENT BENEFITS. LIMIT ONE GIFT PER QUALIFYING ACCOUNT. LIMIT ONE GIFT PER INDIVIDUAL. THE GIFT WILL BE REPORTED ON FORM 1099-INT. THE GIFT WILL BE DEPOSITED WITHIN 90 DAYS OF MEETING REQUIREMENTS. ACCOUNT EARLY CLOSURE FEE OF {$25.00} APPLIES. OTHER MISCELLANEOUS CHARGES MAY APPLY. ACCOUNTS OVERDRAWN OR CLOSED AT TIME OF FULFILLMENT ARE NOT ELIGIBLE FOR THE GIFT. '' By the end of XXXX, I have made {$1000.00} in direct deposits and 7 debit card transactions ; this corresponds to the offer conditions above. On XX/XX/XXXX, I made a call to the customer support to check if everything is fine with qualifications for the bonus. I was told that I was not qualified because SINGLE deposit of {$500.00} was needed ( there is no such word as SINGLE in the account description ). I called again to say that disclosure conditions shown above do not specify single or multiple direct deposit requirements. Support clerks insisted that the bank implied a single direct deposit in this agreement. Thus, there is substitution of the official terms in the account agreement by implications made to waive bank liability of bonus payment. In the case when parties sign written agreement, the agreement defines rights and obligations, and not subauditions by any of the parties. My offer does not say the direct deposit must be SINGLE or NOT MULTIPLE. It is unworthy for the reputation of the respected bank to ditch bonus payments using ambiguous offers conditions with hidden meaning. I do hope that Key Bank reconsiders its decision and issues bonus for using my money as promised.
Complaint sub-issue: Account status incorrect

The original creditor did not receive my insurance information from the emergency room which was provided. I was not aware of this and now it has been sent to collection and appearing on my credit report. I have contacted the original creditor, collection agency, and my health insurance company since XX/XX/2020 but this still has not been removed my credit report. 90 days is more than enough time to fix this issue. This is negatively impacting my credit and affecting our ability to purchase home.
Complaint sub-issue: Investigation took more than 30 days

There is a collection account that's been reported on my most recent credit report that I have recently disputed the validity of. Upon challenging this, Equifax MUST permanently delete the account on the basis that the bureau was unable to effectively confirm all the reported information is accurate. Due to the fact that I challenged this account with the credit bureaus, I noticed that you have now verified this same account. It has been more than 30 days that the bureaus have not RESOLVE or RESPONDED to my letter sent on the XX/XX/XXXX of 2022 I was led to believe that all credit bureaus receive the same information from the creditor under the Fair Credit Reporting Act ( FCRA ) ; if that is the case, I would like the creditors and the credit bureaus to provide copies of all the documentation you used to verify this account. In the event that such documentation is not produced, please DELETE this account from my credit report as soon as possible.
Complaint sub-issue: Information belongs to someone else

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Complaint sub-issue: Information belongs to someone else

I submitted to a background check however the report is not accurate and is someone else with the same information but that is not me. I have only one license not three.
Complaint sub-issue: Their investigation did not fix an error on your report

The account is still showing negative information on my credit report as of XX/XX/2020. I have gone thru bankruptcy and dispute with the three major credit bureau and third party bureau. All my information has come back to verify. This is affecting me to move forward.
Complaint sub-issue: Trouble with how payments are being handled

Dishonest credit reporting and supervisor suggested student loans can not be inaccurately reported or retracted ; I submitted my payments online and they were returned for inaccurate banking information which resulted in a ding to my credit and Firstmark attempting to leave it as is due to their own system errors. 

Background : I called and amended this in XXXX, the first time the error occurred, and asked for my bank information to be input correctly to prevent the error occurring again. It was not. Since then 2 payments were reversed ( that I received confirmation emails for ) and I had to call in to inquire as to why when seeing they had not been debited from my account -- my account information had not been amended as I asked in XXXX. 

My scheduled payments are auto-populated from their history ; the number transposed is " X '' 'd out. Again, the account number was never amended. 

This resulted in 30 day late reporting and a series of back-payments to catch up on. Despite me attempting multiple times to pay on time -- their service and lack of compassion and understanding hit me with a derogatory mark. I explained this to a supervisor who decided instead to get upset about having to file a credit retraction ( which she initially said she would not do ; she thinks student loans are not eligible for inaccurate reporting claims and " promised '' me it would be denied ) and only admitted she could do it after I pressed her on my familiarity with the laws surrounding Consumer Protection and the credit bureaus.
Complaint sub-issue: Information belongs to someone else

This XXXX account is NOT mine!! I have more documentation including the info proving that I was a victim of the Equifax data breach.
Complaint sub-issue: Reporting company used your report improperly

I sent a letter on XXXX XXXX to remove personal information that I don't want on my credit report. The tracking numbers are XXXX, XXXX, XXXX. According to the Fair Credit Reporting Act 12 USC 1681, I have the right to privacy. Also according to the Fair Credit Reporting Act 15 USC 6802, no financial institution is supposed to share my personal information to any third party people. These are clear violations of my federally protected consumer rights.
Complaint sub-issue: Information belongs to someone else

After applying for a credit card and being denied I decided to review my credit and was devastated to learn that my identity has been compromised and used for things that I have no knowledge of. I am angry to have learned this and would like this resolved as soon as possible.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately XXXX-Date of inquiry XX/XX/2019 XXXX-Date of inquiry XX/XX/2019
Complaint sub-issue: Account status incorrect

I opened a car loan with ally financial about 4 years ago, the car was defective and i tried returning it to the dealership within  1 week of pu rchasin g it, ( it still was under the warranty period ) th e dealer refused to take it back.i was forced to repair the vehicle out of pocket. I told ally financial the dealer wouldbt take it back and it was still under warranty they also refused to help me with this and forced .e to remain with the vehicle, pay the repairs and keep the loan.after thousands of dollars in repairs i voluntarily returned the vehicle to ally financial. Years laters they still send me letters to force me to pay. I provided all the information to all the credit reporting agencies and they have removed this loan feom my credit reports, but ally financial still harasses me for the money. I no longer wish that ally financial contacts me or send me letters or try to collect this from me. It was wrong for them to do this after i asked them to please help me return the vehicle while i still could and they refused. Please mind that the vehicle was sold in auction by them and they still want me to pay the remaining balance.
Complaint sub-issue: Debt was paid

Eos is sending me bogus bill, stating I owe XXXX. This was charged off in XX/XX/2004, because I won a case against them. I have the court paperwork and had to pay taxes on it. They are very rude, and will not stop.
Complaint sub-issue: Didn't receive enough information to verify debt

I sent a debt validation letter to PDQ Services INC on XX/XX/2021 asking to validate the {$1500.00} owed. The company vailed to validate the debt, instead the sent a list of my medical records which is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information.
Complaint sub-issue: Confusing or misleading advertising about the credit card

I recently read about the FTC lawsuit against Credit Karma for the misleading of credit approval odds and pre-approvals. I was also a victim of Credit Karma misleading me and informing me of outstanding approval rate with over 90 % approval odds and a {$250.00} sign up bonus. I decided to select this offer on the Credit Karma app for the XXXX XXXX XXXX. I was almost instantly denied despite Credit Karmas misleading approval rate. I have also noticed Credit Karma shows poor approval rates for the XXXX XXXX XXXX XXXX, which ironically, I already possess. Their process for determining approval rates is misleading and false advertisement. I am glad action is being taken against them.
Complaint sub-issue: Problem getting my free annual report

As with complaint # XXXX, I am unable to receive my credit report even when answering with correct information. I have to tried to get small loans only to be rejected for prior loan ( s ) I 've never taken out. This may for student loans as well but I 'm not completely sure. I ca n't dispute any fraudulent charges if I ca n't receive or review my current credit report.
Complaint sub-issue: Public record information inaccurate

I have noticed inconsistencies with the information all three credit bureaus have. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. XXXX has a Chapter XXXX Bankruptcy, REF # XXXX as Date Filed : XX/XX/XXXX, however XXXX   has the following info claiming to be accurate, Chapter XXXX Bankruptcy, REF # XXXX as Date Opened : XX/XX/XXXX, and Equifax is NOT reporting this information AT ALL!!! Also XXXX has XXXX XXXX, XXXX # XXXX Balance of {$3500.00} as Date Opened : XX/XX/XXXX, however XXXX has the following info claiming to be accurate, Balance of {$3500.00} as Date Opened : XX/XX/XXXX, and Equifax has the following info claiming to be accurate, Balance of {$3500.00} as Date Opened : XX/XX/XXXX. If these are the same accounts, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately. I also asked if they would update my personal information in their system, they have not done so.
Complaint sub-issue: Account information incorrect

XXXX is showing 24 missed payments from 2015. I first asked them why I was never notified of th miss payments by mail they said theyre not required too. Then I explained to them that I was enrolled in school and I sent over verification on serveal occasions. The late payments have never been removed from my credit report.
Complaint sub-issue: Account terms

I ca n't find out which company reported derogatory information to Equifax. They list it as XXXX XXXX reported through XXXX. XXXX has on indication of back due debts. I have no idea who or what XXXX is? They apparently are the culprits and I ca n't contact them. Equifax is not helping by giving me the info I need. I do n't think they even know.
Complaint sub-issue: Their investigation did not fix an error on your report

I have tried to get three credit bureas to send validation on accounts on my credit reports only to get reports back saying that the accounts have been verified. This is not validation. Asking for signed documents of my signature on accounts that have been disputed by me. Accounts were disputed three times since XX/XX/2018 thru XX/XX/2018 and credit bureaus say they are verified. Need validation on accounts or remove from credit report. Equifax : XXXX XXXX judgement for possession of apartment only, no money judgement by court, this account is reporting as deceptive and unfair practices. 
XXXX XXXX no validation, statement is account has been transfer/sold. XXXX XXXX no validation on account creditor sent out deferred payment agreement on account that has not been validated.XXXX has same accounts XXXX XXXX, XXXX XXXX, XXXX   XXXX, and also Bankruptcy chapter XXXX that I have letter from Bankruptcy court that they do not verify information with credit bureaus.I also have placed a freeze on XXXX.XXXX has XXXX XXXX, XXXX XXXX, XXXX  XXXX, and Bankruptcy chapter XXXX. Documents attached. Thank You. 
.
Complaint sub-issue: Information is missing that should be on the report

Please see my correspondence in accordance to law attached to this complaint.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX BANK XXXX XXXX Open Date XX/XX/XXXX Balance : {$5100.00} XXXX BANK XXXX XXXX XXXX XXXX Date XX/XX/XXXX Balance : {$720.00} XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$5600.00} XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Open Date XXXX XXXX, XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$500.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Didn't receive enough information to verify debt

There is an item showing in my credit file with Hunter Warfield inc. I have no idea what this is for and I sent a letter to them asking for details. They haven't responded.
Complaint sub-issue: Investigation took more than 30 days

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account.