Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Was not notified of investigation status or results

My rights are continuously being violated! There is currently still misreporting on my credit report and the credit bureaus have neglected to delete or respond to! These violations have gotten out of hand and need to be addressed.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5300.00}
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately.

1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violaon not reporng 100 accurate XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Complaint sub-issue: Account status incorrect

XXXX placed a derogatory on my Equifax credit file. This was erroneous and XXXX agreed to remove it. See attached XXXX letter and Equifax credit file. I was turned down for a loan because of Equifax 's erroneous reporting of the XXXX derogatory.
Complaint sub-issue: Debt is not yours

Received " Electronic Service Requested '' from " IC System '' for a dentist in another state that I have never heard of or received service from. The Company states I went to as dentist, XXXX XXXX XXXX, XXXX on XX/XX/2018. I have not been to a dentist in over 2 years. The last dentist I saw had a different name and was with a well known company. 
A person called me from XXXX which is a XXXX number. " IC System '' states they are from Minnesota, and the only dentist I can find with the name " XXXX XXXX XXXXXXXX '' is out of Maryland. 

I called XXXX, who stated they would send an itemized bill for services I never recived in the amount of {$150.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX  -credit card was changed off in XXXX of XXXX ; the account was there in the company bankruptcy filling it was a joint account ; The balance unpaid been reported since XX/XX/XXXX ; The account is more then 7 years old and should not be on my file.
Complaint sub-issue: Account information incorrect

I have had problems with Equifax since 2019. Equifax finally, has added my information back the information is old and not updating. I have already called the creditors and they have reported to all 3 credit bureaus but Equifax has not updated my file. It seems to be stuck in time compared to my XXXX and XXXX are not updating it. The only thing that is changing back and forth is my utilization and I don't know why it is doing that if my credit report is not updating going on 3 months. I have tried to apply for loans and the creditor is saying that my Equifax file has a security freeze hen there is not a security freeze and I have verified this with Equifax. I believe there I a problem with my file and that it may be a duplicate file with 2 addresses? I only can verify through Equifax under my old address when I have updated my file and it shows with my new address. Equifax is one the WORST companies I have ever dealt with and they hold people person information it is just unbelievable how long I have been trying to get my file. I can't even get my file verified to get a loan which is a hindrance to no fault of my own. Not even a pre-approval for a mortgage because I am at the mercy of the incompetent mega-corporation that hire idiots to run it. I need to be fixed
Complaint sub-issue: Problem with personal statement of dispute

XXXX XXXX XXXX had a computer glitch, I was trying to pay my mortgage on XX/XX/XXXX. I did not receive a confirmation number. I was worried my payment had not gone through and would be late. I checked the next day, XX/XX/XXXX, and there was no account of my payment. I made another payment and received a confirmation on that one right away. I checked my bank account statement after a few days and two charges had been processed. I contacted my bank and freedom mortgage to notify them of the double charge. Somewhere along the road both my bank and freedom mortgage reversed a payment- even though I obviously was only trying to get one reversed! Why would I pay twice and then purposefully remove both payments? It doesnt make any logical sense. I got a notice that both the XXXX mortgage had been reversed and that it had now been marked as a late mortgage payment. Exactly what I am trying to avoid! Due to this mixup, we are being offered much worse rates on our next mortgage. Its unfair punishment on my part to receive a serious ding on my credit report for an obvious misunderstanding that began with an error on the freedom mortgage payment page. I want this mark on my credit removed- its not a reasonable way to conduct business at all!
Complaint sub-issue: Inadequate help over the phone

EQUIFAX is illegally reporting accounts appearing as XXXX XXXX and XXXX XXXX on my credit report and multiple inquiries that came from 1 offer from XXXX. DUPLICATE INCORRECT MEDICAL ACCOUNTS XXXX AND XXXX THAT INSURANCE FAILED TO PAY OR NOTIFY AND WAS SETTLED. This is also very inconsistent with my other reports that they can see as I was duped into buying the XXXX credit over the phone. XXXX/XXXX/17 I disputed these items for a 2nd time with EQUIFAX and they came back verified again but with no verification proof. I contacted both companies and seems everyone either refuses to talk to me or seems to leave me on hold for long periods of time. So, I wrote them a letter demanding them to send me any information on this debt that I was being held liable for and I got no response. This is CRITICLY damaging my credit score and has been for almost 1.5 years without me knowing. They have been appearing as negative items. I called XXXX and they refused to talk to me and stated the only way to fix it is through the credit bureaus. XXXX/XXXX/17 I contacted EQUIFAX and I was told it was verified. I asked what method of validation was used and did n't receive an answer. This is very illegal and goes against all of the federal laws. 

I disputed some items with EQUIFAX and they were not resolved so I decided to pay and get a more detailed report. I tried to setup online but after the signup I was taken to a number to call to verify my info. So I called in on XXXX/XXXX/17 for some assistance with activating my account. I called the number an a foreign gentleman asked me some basic questions and reset my password but nothing to really re-verify who I was. He then asked me why I wanted a login. I mentioned for verifying all my information was correct. He then said great I 'll get your payment now. So I was then sold the XXXX credit report when I said can I not do it online he said I may have problems because of resetting my password. Later, I feel duped and kinda mad the way the guy seemed to speak down to me. I 'm sure those calls are recorded. 

CONF # XXXX
Complaint sub-issue: Other problem getting your report or credit score

Upon reviewing my equifax credit report I noticed there was another social security number attached to the report. I called to ask why and the fraud department stated they removed the number. 3 weeks later all my accounts have disappeared off my report and my score has plunged. Ive been on the phone with them several times going through all the identification processes only to be told they cant help me and to fax my information to the XXXX number. I have faxed the number 4 times including all the information discussed. Im very close to filing a demand letter and starting a law suit.
Complaint sub-issue: Problem getting your free annual credit report

On XX/XX/2019 I tried to get my free annual credit reports. I succeeded with XXXX and XXXX. I answered all of Equifax 's security questions accurately and was subsequently notified that they couldn't provide it online ( screenshot attached ).
Complaint sub-issue: Card opened as result of identity theft or fraud

Someone attempted to open a credit card in my name with my personal information ( SSN ) to the following address which is not mine. 

XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NJ XXXX
Complaint sub-issue: Received bad information about your loan

Several loans that were serviced by ECMC during the loan rehab period had incorrect loan balances and interest rates therefore I was overcharged. For example, ECMC calculated 2 loans based on the orig. principal of {$3500.00} and fixed interest of 6.80 %. However, orig. principal amt should be {$1600.00} due to a portion of the loan having been cancelled / never disbursed by the lender. Additionally, 2 of the loans has a fixed rate of 4.50 % - yet they charged me at 6.80 % on each. Another loan has a fixed rate of 5.75 %, ECMC charged me 6.00 %. Yet another loan has a fixed rate of 6.55 %, again they charged 6.80 %. There were several loans mishandled in this manner and as a result there was interest calculated that should not have been and payments misapplied as a result. I advised them of their mistake on several occasions, most recently on XX/XX/XXXX, but they have refused to fix the info on file or advise HOW they plan to rectify it. ECMC also did not report payments made by me on this loan while it was handled by them ( years XX/XX/XXXX through XX/XX/XXXX ) and at the time they transferred my loans to XXXX XXXX. ECMC also reported the wrong loan info on my credit report during the years XX/XX/XXXX through XX/XX/XXXX. ECMA also failed to report to the Dept. of Education that they received an IRS offset in the amount of {$5200.00} during that same time period.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The company XXXX XXXX or XXXX XXXX appeared on my XXXX credit report on XX/XX/XXXX and on my XXXX report on XX/XX/XXXX. It appears to be finance and personal under business type. When I contacted the company, they informed me that my social security number and other identifying information was used in an attempt to acquire a loan. I informed the company that I have not submitted any form of application for financing and that this inquiry was initiated without my consent or knowledge or permission. The company said they will document the issue and contact me back with further instruction. I have yet to hear back from the company and each time i contact them further, I am told the same thing.
Complaint sub-issue: Old information reappears or never goes away

I demand that all three credit reporting agencies remove the XXXX debt with account number XXXX ... This debt is far beyond the statute of limitations for the states of New York ( 6 Years ) and Florida ( 5 Years ). Any further reporting of this debt would be in direct breach of the terms outline in the fair reporting act.
Complaint sub-issue: Charged too much interest

I made my monthly payment in full, on the day it was due. They payment was not acknowledged until the next day and I was billed a {$29.00} dollar late fee and {$55.00} in interest. I believe {$84.00} in penalties for a payment that was made on the due date, is excessive. My attempt to get the moneys rebated was refused by a phone rep and through the online banking message portal.
Complaint sub-issue: Overdrafts and overdraft fees

On XX/XX/XXXX, there was an unauthorized charge of {$13.00}. My account went negative then followed by an overdraft fee of {$34.00} from Citibank. I contacted the merchant about the charge, and they refunded me due to their mistake. I called Citibank to dispute the overdraft fee and they refused to approve my request. I explained the situation based on the nature of unauthorized transaction. They did not care at all. They suggested to contact the merchant to reimburse the fee because it was their fault. I'm out of words.
Complaint sub-issue: Account status incorrect

XX/XX/2019, XXXX XXXX REFUSES to report to all 3 credit bureaus ( XXXX, Equifax and XXXX  ) that my installment car loan # XXXX, is paid and pays as agreed. 
Not closed- false information. XXXX XXXX NOT reporting accurately FCRA.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$19000.00} ; XXXX XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Reporting company used your report improperly

Following the news of the recent Equifax security breach, I went on the company 's own website ( exifaxsecurity2017.com ) and after putting in my last name and last 6 digits of SSN, it reported that : " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' This includes : Name, Social Security #, Address, Birthdate, etc The company mishandled my information, which puts myself an millions of other people at risk. Additionally, they did not notify anyone quickly enough about this potentially life-damaging breach to millions of consumer 's personal and financial information.
Complaint sub-issue: Their investigation did not fix an error on your report

Fed Loans and US Department of Education haven't provided original documentations when asked by the three credit bureaus ( XXXX, XXXX  and XXXX ). I submitted three disputes on XX/XX/20, XX/XX/20 and XX/XX/20 with them stating " You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct and to remove the item from my credit file ''. They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). XXXX  has since removed these account from my file but it still remains on my XXXX and XXXX credit files. In the documents attached below, you will see when I first submitted my 609 letters and when XXXX  removed US Department Of Education file, but Fed Loan/USDept services remains on my accounts on XXXX  and XXXX. Theres a huge inconsistency and inaccuracy on my credit file that takes a toll on my personal growth.
Complaint sub-issue: No notice of investigation status/result

I mailed a Multiple Inquiry Removal Letter on XX/XX/2017 by certified mail in order to dispute information, in regards to XXXX hard inquiries, that was being reported on my credit report. The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Complaint sub-issue: Account information incorrect

As of XXXX XXXX today, all 3 credit bureaus can not accept online disputes. How is that possible? I am starting to think this whole thing is a scam. How can they all be having technical issues at the same time on the same day?
Complaint sub-issue: Debt was paid

AFNI INC, need to remove any information claiming I owe {$340.00} to XXXX XXXX. That debt was paid in full to XXXX. I have contacted the Attorney Generals of Illinois and Georgia to file a complaint. The report says the account was reported on XX/XX/2019. Then it says it was reported XX/XX/2019, which appears backwards. I could not get any proof that this account was mine from either XXXX or AFNI. I was bullied into paying the debt because I am trying to purchase a home. The account # XXXX is showing on all three credit reporting agencies. Please help get it removed. I have also contacted the credit reporting companies.
Complaint sub-issue: Debt is not yours

XX/XX/2019 PMAB , LLC Company has on my report I owe {$300.00} twice in XXXX on same date which is impossible. I had health insurance and XXXX   back paid all medical expenses effective XX/XX/2019
Complaint sub-issue: Public record

This judgment is currently being reported to all three credit bureaus by a XXXX PARTY. It is against the law and the Fair Credit Reporting Act for a XXXX party to report a debit. I have reported this to the Georgia Department of Consumer Affairs and have asked for their guidance with this. Equifax refuses to remove the judgment as the information being reported is wrong. The listed amount owed on the report is wrong and the paid amount is wrong. 
The information can be verified by the XXXX County Court House as I was told by them on XXXX different occasions about this debit and was told that a XXXX party ( whom they will not disclose ) comes in and goes through their records and reports the judgments. But not on their behalf but as a private XXXX party company. XXXX County Court does not report any information to credit bureaus and the debit is not being reported by the original creditor. 
I am requesting that this judgment be totally removed from by credit file. The information can be verified at XXXX County Court House XXXX XXXX. Case number XXXX. My credit file was updated to show that the debit was satisfied but after speaking with the XXXX County Court and learning that the information is not reported by them I am asking for it to be removed all together for my credit file.
Complaint sub-issue: Problem accessing account

Im trying to connect my PNC online account to XXXX. I got a message stating that PNC made a change that prevents me from being able to link my account XX/XX/2020 XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2018 I mailed reinsertion letters to XXXX, Equifax & XXXX because some items that were removed had been placed back on my credit report showing derogatory marks and hindering my financial future please see attached letters & certified mailing receipts to XXXX, Equifax & XXXX
Complaint sub-issue: Called after sent written cease of comm

Unannounced, they came into our place of business and started taking pictures. We are not a public-facing company. We are a private call center. They startled my employees. Would n't leave when asked. One girl went home crying. We threatened to call police and they said they had the right to be here. We started calling police and they left real fast.
Complaint sub-issue: Can't get flexible payment options

I submitted renewal paperwork to Fed Loan Servicing via fax on two occassions, once on XXXX XXXX and once on XXXX XXXX. Fed Loan servicing is only acknowledging the reciept of the second fax on XXXX XXXX, and in addition to that had increased my payments from $ XXXX/month, to about $ XXXX/month. They reported to me in an email that they are still processing my Income Driven Repayment plan request as of today, and that in the meantime I am responsible for whatever payment they request of me. I find this unacceptable, that they can take almost two months to process this basic paperwork, and in the meantime charge me more than half of what I make each month, especially being that I was already on a IDR plan and this was just to renew that plan. This is causing me severe financial and XXXX, as well as taking a toll on my credit report this month. I would be more than happy to forward to you the same financial documents I sent to them to verify that $ XXXX/month is a severe burden to me financially. 
Thank you
Complaint sub-issue: Investigation took more than 30 days

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX, XXXX. XXXX XXXX OPENED XX/XX/XXXX BALANCE : {$880.00}, XXXX XXXXXXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00}, XXXX XXXX XXXX DATE OPENED XXXX : {$0.00}, XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX BALANCE : {$0.00}, XXXX - XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00}, and XXXX XXXX XXXXXXXX XXXX Open Date XX/XX/XXXX Balance {>= $1,000,000}.
Complaint sub-issue: Debt resulted from identity theft

Allied Interstate made debt collection calls to me after verifying they received a faxed cease and desist by e-mail. Additionally, iQor, a company not licensed to collect debts in Florida, contacted me to recover money. They blatantly violate the TCPA, FDCPA, and FCCPA. Additionally, XXXX recalled the debt because it never existed to begin with.