Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Investigation took more than 30 days

Over thirty days ago, I put forth the following complaint to Equifax agency yet have had no solution brought since. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my wet ink signature on it ) that you have on file for the account listed below.Your failure to positively verify these accounts has hurt my ability to obtain credit. 

Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 1. The inquiry was not authorized US SM BUS ADMIN ODA Date of inquiry : XX/XX/2020 Please remove it from my credit report. 

2. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. The following account is not mine XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 



5. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2020 Please remove it from my credit report. 

8. The inquiry was not authorized US SM BUS ADMIN ODA Date of inquiry : XX/XX/2020 Please remove it from my credit report.
Complaint sub-issue: Debt was result of identity theft

I.C. Systems, Inc. XXXX XXXX XXXX XXXX XXXX, MN XXXX continues to place false and misleading information on my credit report. I have contacted both of these creditors notifying them that these are fraudlent accounts. XXXX has sent me a letter stating that they had removed the account from my record put this company I.C. continues to place it on my credit report.
They have also lied about the date it was not opened on XX/XX/XXXX.
I have letters from the DOJ they have arrested the people who used my Identity. I.C. Systems is using fraudulent means to obtain monies.
Derogatory marks View all accounts COLLECTIONS I.c. System Inc. Opened XX/XX/XXXX + {$100.00} Original creditor : XXXX XXXX I.c. System Inc.
Opened XX/XX/XXXX + {$53.00} Original creditor : XXXX XXXX
Complaint sub-issue: Information belongs to someone else

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX 
On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
OnXX/XX/XXXX, ALLY FINANCIAL add a hard inquiry on my credit report per XXXX 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Complaint sub-issue: Investigation took more than 30 days

I recently requested that the credit bureaus investigate errors on my credit report by mail. They were supposed to respond within 30 days, but they have not. I tried to call them to see what was causing the delay, but I couldn't even get a live person on the phone.
Complaint sub-issue: Account status incorrect

This information reporting is very misleading. The information is all over the places and does not match up. I want this information remove at the earliest possible time
Complaint sub-issue: Debt was result of identity theft

I C System failed to provide any initial communication within 5 days of obtaining this debt that was originally was resold from another debt collector and is a violation of the Fair Debt Collection Practice Act, section 809. In addition I C System hasn't been able to provide any original application or verification obligating me to the debt in question. I C System must cease and desist all collection efforts until the necessary documentation is produced, and immediately remove this account from all 3 consumer reporting agencies if unable to do so.
Complaint sub-issue: Debt is not yours

On XX/XX/XXXX a total of {$1400.00} was taken from two personal accounts as an off-set recovery for a debt owed by an XXXX. I was a member of the XXXX along with my husband. When the XXXX was opened in XX/XX/XXXX a bank account and business credit card was opened with Branch Banking and Trust ( BB & T ). The credit card was in default after a steep decline in business revenue and the XXXX  was in the process of being dissolved. I personally bank with BB & T and on the morning of XX/XX/XXXX, I noticed my personal bank accounts had money extracted from them as an off-set recovery for the XXXX 's credit card. I believe that the bank had no right to collect monies owed by the XXXX through my personal earnings. My earnings are from a full-time job that is not part of the dissolved business/XXXX. I 've contact the bank and spoke with XXXX XXXX, Market Leader III who called BB & T on my behalf as she too was under the impression that they could not collect against an XXXX She also noticed that the business/XXXX bank account had been set up improperly.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

i have filed a dispute in regards to the incorrect items on my credit report. it has been well over 30 days and i have not received any investigation results.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I have no knowledge of this account and it shouldn't be on my account.
Complaint sub-issue: Information belongs to someone else

15 USC 1681 15 usc 1681 ( a ) ( 4 ) - you have the right to privacy any information you want to be private thats posted on your consumer report is a violation. Infringed upon my right to privacy ( you define what your privacy is ) *first in 1968 came true in lending act next in 1970 came FCRA next came FDCPA 15 USC 1681a ( 2 ) exclusion - this should not be on consumer reports *** Reports containing information solely as to transactions experiences between the consumer and the person making the report should be excluded
Complaint sub-issue: Threatened or suggested your credit would be damaged

XXXX XXXX, turn my account over to a collection agency, without notifying me. XXXX tried to collect money that I did not owe. They tried 2 times before, and I went into Assemblyman XXXX XXXX office and it was determined that I did not owe XXXX. XXXX sent the bill to a collection agency and I asked the collection agency to validate the bill and they were unable to validate, and they removed the item from my credit report. XXXX then sold the account to ERC collection using an old old address in the state of Arkansas and I was not notified, until the ERC collection had allowed the time to run out, past the 60 days that I had to dispute the bill. I am asking that these charges be removed from my credit report immediately.
Complaint sub-issue: Reporting company used your report improperly

Equifax Inc. said its systems were struck by a cyberattack in 2017 that affected my personal credit information. Intruders had access to my name, Social Security number, birth date, addresses and drivers license numbers. Credit card numbers for about 209,000 consumers were also accessed.
Complaint sub-issue: Received bad information about your loan

In XX/XX/2018, I received an email stating I needed to renew my " Income Driven '' repayment plan before XX/XX/2018. I went online, completed application and realized I had check a wrong box ( I could not access my spouse 's income information ) on the application. I called Great Lakes on the same day ( XX/XX/XXXX ) to ask what I needed to do. I was told to just send in my spouse 's most recent pay check stub and they would handle the rest. After that I received 2 emails, one XX/XX/XXXX stated they received my application and the other on XX/XX/XXXX stated my application was approved and that I would received repayment information 45 days before due date. 
I called XX/XX/XXXX because I hadn't received repayment information. I was told I wouldn't be receiving an email for repayment because I didn't have anything to repay. I asked, " why? '' I was told it was because I didn't have any income. I told them this information was incorrect and I sent in my spouse 's pay check stub. Agent responded, " I see, we have that information but we didn't use it for your application '', '' Would you like to have your application recalculated? '' I stated " yes ''. I ended the call but called back to file a complaint. I was basically told they could not change my application and that I had to complete a " married '' application ( basically correcting the information, '' I can not access my spouse 's income information '' ). I asked " why wasn't I contacted if there was an error '' ... '' I sent in a tax return stating I was married and my spouse 's pay check stub ''. Agent stated, " I understand that but your application says you were married but you could not access your spouse 's income ''. 
Now, I am waiting for my spouse 's approval for FSA ID. This process could take 2 to 3 days.
Complaint sub-issue: Information belongs to someone else

The following accounts are fraudulent and my identity was used. I even have proof from the creditors and Equifax keeps believing them. Of course they are going to say it matches me, someone took my identity. 

- Medical collections account - XXXX XXXX XXXX - Both XXXX XXXX XXXX accounts listed
Complaint sub-issue: Can't close your account

XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX 

After reviews on consumer report we decided to try the XXXX XXXX. We investigated the website, the company boasted its 101-night risk free trial, and available financing options. It sounded like a great deal with the addition of two free pillows. So we ordered the mattress through the financing option on XX/XX/XXXX and received mattress, pillows and a tea shirt on XXXX, XXXX. 
After a few weeks it was apparent we were not sleeping very comfortable and called the company. We were informed we had to give the mattress, minimally 30 days. By the 30th day it was obvious this was not the mattress for us. I am XXXX, XXXX lbs. and have been diagnosed with XXXX XXXX XXXX XXXX XXXX XXXX. The mattress was too soft to support my back. 
We initiated the return process and contacted XXXX, we were instructed that the bed needed to be donated with proof by supporting documentation and to return the free pillows. The mattress was donated to a Church run food pantry / Thrift shop and the pillows and t-shirt were shipped back to XXXX, arriving on XX/XX/XXXX. The donation receipt was emailed to XXXX on XX/XX/XXXX. 
Since we had opted for the financing, we contacted Klarna with the information regarding the decision and were informed the information needed to come from XXXX. On XX/XX/XXXX we paid our first payment to Klarna. We contacted XXXX on the XXXX of XXXX inquiring on the state of the return and refund and they informed us a refund would be issued on the XXXX of XXXX. I asked for an email following up on the conversation but never received any communication. We also contacted Klarna with this information, who again said they would need that information from XXXX. 
On XX/XX/XXXX, we received a monthly statement from Klarna citing they did not receive the payment by the due date of XX/XX/XXXX, and please pay by XX/XX/XXXX to avoid any additional late fees. 
Would someone please explain how we are receiving an email issuing a refund from XXXX and receiving a statement with penalties assessed from Klarna. This has been a horrible experience. 
Klarna Account Number XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX
Complaint sub-issue: Information belongs to someone else

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.
Complaint sub-issue: Information belongs to someone else

i have sent over a police report, fraud identity report, along with my id and social security number and a copy of XXXX several times to Equifax, XXXX XXXX. I have been a victim of identity theft and have taken all the available procedure available to me to get them to report accurate information on my credit file. I have never had a late payment in my life prior to the identity theft that started XXXX. They keep reporting XXXX credit cards in access of {$70000.00} in my name, XXXX XXXX {$9000.00} and to XXXX XXXX XXXX as late XX/XX/18, XX/XX/18. That is impossible because they automatically withdraw from my checking out since the first payment for the lease. Please have them make sure they only report ACCURATE Information.
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$3500.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$220.00}
Complaint sub-issue: Information belongs to someone else

FCRA violations : not my social security numbers XXXX XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX Resident type Post office box XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex FCRA violations : accounts not mine XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$800.00} Status Collection account. {$800.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$750.00} Status Collection account. {$750.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Account charged off. {$6.00} FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$700.00} Status Open. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$280.00} Status Open.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have noticed that XXXX XXXX have placed an inquiry on my EQUIFAX credit file dated XX/XX/2022. On multiple occasions I requested XXXX XXXX and EQUIFAX to verify these inquiries. They have yet to do so.
Complaint sub-issue: Reporting company used your report improperly

I've reached out to XXXX numerous times by mail with return receipt to have these unauthorized inquiries removed : XXXX. XXXX - XX/XX/XXXX -- XXXX XXXX  XX/XX/XXXX -- I've also tried to have them remove these CLOSED ACCOUNTS -- XXXX {$4700.00} XX/XX/XXXX XXXX XXXX {$5400.00} XX/XX/XXXX -- XXXX {$2300.00} XX/XX/XXXX -- XXXX {$1400.00} XX/XX/XXXX -- XXXX {$6400.00} XX/XX/XXXX -- XXXX {$9300.00} XX/XX/XXXX. One late payment showing XXXXXXXX XXXX XXXX  XX/XX/XXXX -- I also attached federal laws 15 USC 1681A ( 3 ) -- - 15 USC 1681A ( 4 ) and they STILL haven't removed said items!
Complaint sub-issue: Fee problem

I ordered laser checks from a branch of the bank and I was charged a fee. The checks were not what I ordered and they were not picked up at the branch. The branch then reordered the checks and I was charged another fee - but the original check fee was never reversed.
Complaint sub-issue: Was not notified of investigation status or results

Please see the attached document.
Complaint sub-issue: Received bad information about my loan

On XX/XX/XXXX, I borrowed XXXX from XXXX. Apparently in XXXX my loan was sold to Jefferson Capital and I was not notified. Jefferson Capital filed a judgement against me. They claimed on the judgement paper my loan had been in default since XX/XX/XXXX and my last payment was XX/XX/XXXX. On XX/XX/XXXX it was sold to Jefferson Capital. I was never notified of the new lender and now I have a judgement against me for this debt.
Complaint sub-issue: Account status

There are several items on my report reading " in-dispute ''. While I did ask for more information at one time I never disputed the results sent to me. This is now causing me a problem with mortgage approval
Complaint sub-issue: Trouble with how payments are being handled

Pursuant to Complaint Nos. XXXX  and XXXX, the description of the relief granted was that the " interest capitalization on XX/XX/XXXX for Loan Sequences 4, 7, 8, and 12 will be reversed due to a processing error. '' In a later complaint, Complaint No. XXXX, my attempt to address the interest capitalization on Loan Sequences 1-3, 5, 6, and 9-11 failed, but the response explicitly acknowledged that it was " honoring the initial promise to reverse the interest capitalization effective XX/XX/2016 on loan sequences 4, 7, 8, and 12 ''. However, in looking at my account online, the interest capitalized on those four ( 4 ) loans has, in fact, NOT been reversed.
Complaint sub-issue: Fraudulent loan

I attended   XXXX   XXXX   XXXX   XXXX   campus from    XXXX   XXXX  -  XXXX   XXXX  . The school had me take out a Genesis Loan. When the campus clos ed i was still paying on my  Genesis lo an, when genesis closed down they changed to another company that i cant remember the name of and then changed again to   XXXX   XXXX   XXXX   (  XXXX  ). My g enesis Loan  was approximately {$4900.00}. Currently through  XXXX  i owe {$4300.00}. I tried explaining to  XXXX  that a school made me take out this loan and i was unable to make the minimum payment and also me being in school and the loan company told me since it was a private loan they dont do defferments so i was going to have to find a way to pay for the loan. I currently get  3-4  calls per day from this company.
Complaint sub-issue: Information belongs to someone else

I been trying to get insurance on my vehicle. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit and I found things on there that I have never applied for. These items are not mine. Please remove this from my report. 

DPT ED/XXXX XXXX {$7100.00} XXXX XXXX XXXX {$470.00} XXXX/XXXX  XXXX {$0.00} XXXX XXXX XXXX {$470.00} XXXX/XXXX   XXXX {$1400.00} XXXX/XXXX   XXXX {$740.00} XXXX  XXXX {$2600.00} XXXX  XXXX  XXXX {$58.00} XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$6700.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$730.00} XXXX  XXXX {$2200.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$980.00} US DEP ED XXXX {$980.00} XXXX/XXXX  XXXX {$360.00} XXXX   XXXX  XXXX {$170.00} US DEPT ED XXXX {$4500.00}
Complaint sub-issue: Their investigation did not fix an error on your report

Attn : XXXX, NY Attorney General, Securities Exchange Commission I would like to make an official complaint against Discover Financial Services and the XXXX XXXX and XXXX National Consumer distance Center, XXXX XXXX Although I have sent very specific documents that show that not only was I not the owner of the XXXX credit card debt totaling {$890.00} but that these agencies aforementioned are in direct violation of my consumer rights.

The violations that I have highlighted and addressed in the documents mailed to Discover Financial Service, XXXX, and XXXX are the following : Violation of Consumer Rights Symbol on a document stating a debt is owed. 
Validation only the consumer can validate debts Harassment or abuse Civil liability Furnishing certain deceptive forms Legal action by debt collectors Unfair practices False and misleading Communication without permission.

Acquisition of location of information Accuracy and fairness of credit reporting Obligation with respect to disclosure f personal information of the consumer Transactions other than under open end credit plan Apart from my list of violations I have also included : Exhibits, that show the inaccuracies that have remained on my credit report as a result of the errors made by Discover, XXXX and XXXX. Please find below a list of the documents that were also included in the package mailed to these aforementioned corporations. 

Letter of Dispute and Complaint Debt validation letter Affidavit of truth Notice to : Cease & Desist To date although I have made these agencies aware of their error this Discover account remains on my personal credit. It is my intention to pursue this case in XXXX XXXX next.
Complaint sub-issue: Unexpected increase in interest rate

I was sick and missed my payment by one day. I called Citibank on XX/XX/18 and was told there would be no late fee or interest. Payment made in full on XX/XX/18. Payment was due on XX/XX/18. Today I learned Citibank charged me interest of {$19.00} and late fee of {$25.00} which posted on XX/XX/18. Today I asked Citibank to listen to the call as their rep told me no fees. They agreed to waive the interest fee not the late fee.i am requesting the {$25.00} fee as well as I was told no fees. Now they told me they will listen to the call I had w their rep on XX/XX/15-18 and I would have to call back. Been a customer for years and pay my bill each month in full. Sometimes we forget things. My son is a XXXX XXXX for six years and now u am sick. My time is valuable and I spent over one hour on the phone today and now I have to file a complaint. I feel Citibank is protecting their employee who gave incorrect info. Another rep today told me they have no recording but the second rep said he did listen to call and then said he has to listen to call. They appear to be sneaky and dishonest. This is not an ethical way to treat a customer.