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

I have contacted this company ( Upgrade Inc. ) multiple times regarding them reporting an account to my credit file that does not belong to me. It has been months and I have not heard or seen any change. When I try to contact them the number does not work XXXX. It is a shame and it needs to be handle as it is affect my credit.
Complaint sub-issue: Information belongs to someone else

In XXXX Macys XXXX XXXX credit card was removed from my credit report, because of fraud. In XXXX XXXX XXXX placed the account back on my credit report with a new account number. At current this fraudulent information is affecting my credit score. XXXX XXXX is in Violation of Federal credit laws include the Truth in Lending Act ( TILA ), the Fair Credit Billing Act ( FCBA ), the Equal Credit Opportunity Act, the Fair Credit Reporting Act ( FCRA ), and the Fair Debt Collection Practices Act ( FDCPA ). I would like for this company to remove this information from my account immediately.
Complaint sub-issue: Debt is not mine

I noticed  Nationwide Acceptance Corporation app ear on my credit report today  XX/XX/2017   . I have no outstanding medical bills with my insurance carrier. I have attempted to contact this company via certified mail and via phone at the numbers listed on their website contact information. ALL TELEPHONE NUMBER ARE INVALID. Also noting there are two variations of an address as well from my credit report versus the company website. It is my belief this is a fraudulent company attempting to obtain money from me and falsely reporting information on my credit report.     Telephone Numbers Listed NOT IN SERVICE :  XXXX   XXXX  WEBSITE :  http : //www.nationwideacceptance.com/contactus.aspx
Complaint sub-issue: Debt was result of identity theft

XX/XX/2019 Creditor XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Account number XXXX Amount of Debt {$820.00} Reference Number XXXX ERC XXXX. XXXX XXXX XXXX, FL XXXX I don't recognize this account. Someone stole my identity. I have never open this account.
Complaint sub-issue: Trouble with how payments are handled

I have been trying to get on the extended graduated repayment plan since approximately XX/XX/2016. 3 times, I have called to have this done and all 3 times I am getting different information. Furthermore, all 3 times they have placed me on administrative forbearance where my interest gets capitalized and I accrue interest without paying off my balance, which I would be happy to do on my desired payment plan. The last time, I did not agree to be placed on administrative forbearance. Every time I have called, they say that my plan will be switched and when I check again, the issue is not resolved. The issue is still not resolved and my debt is increasing due to their malfeasance.
Complaint sub-issue: Their investigation did not fix an error on your report

I have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. Please correct this account and remove all the late payments : XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

This is my fourth complaint against XXXX Incorporated. They are attempting to collect a wrongful debt from me. My pervious complaint on was closed because Ms. XXXX from XXXX replied she would sent me proof of this being my debt. Unfortunately, the proof she sent me, is still INCORRECT, the address is wrong, the address is typed in but someone wrote it in the apartment number, and it is still incorrect. I did not apply for XXXX XXXX XXXX. I have not apply to live anywhere, I have a home. This has been the worst. There a laws in place to protect consumers from wrongful debts and Im constantly being ignored. Im not being protected. This isnt my debt please block and deleted this from my credit report, it is an embarrassment to me as a consumer and hard working individual.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I was looking to buy a car and while shopping I had mentioned to the salesman that I had a credit report and did not want them they run my credit. 

On all three credit report Equifax XXXX XXXX shows that my credit was ran several times. I have a total of XXXX hard inquiries. 

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: Reporting company used your report improperly

XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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: Credit inquiries on your report that you don't recognize

After sending at least 3 or more letters to this credit bureau. I have send Equifax several letters regarding inquires that were not appointed by me. Regarding the following companies : ( 1 ) .-XXXX XXXX-XX/XX/2018 ( 2 ) .-XXXX XXXX-XX/XX/2018 - ( 3 ) CXXXX XXXX-XX/XX/2018. The last letter send certified with tracking number XXXX   XXXX XXXX XXXX XXXX in which was received on XX/XX/2018 by Equifax and they have ignored my letter. These inquires were not appointed by me. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please note that this is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and serious breach of my privacy rights. Equifax has failed to validate this information with these companies and provide me with copies of any documentation associated with these companies bearing my signature. I requested the fraudulent inquiries be immediately deleted from the credit file that is maintained under my social security number.
Complaint sub-issue: Debt was result of identity theft

Last reported date - XX/XX/XXXX Creditor Name - XXXX XXXX Supposedly Opened on - XX/XX/XXXX Limit - {$500.00} Payment Status - Collection/Charge off Creditor Contact Details - XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone Number - ( XXXX ) XXXX
Complaint sub-issue: Was not notified of investigation status or results

In the month of XXXX Equifax dropped customers credit score by 40 points. The reason given was no change in status. Please have someone look into this I have called the company with no results. I have spoken to 10 other people who credit scores range in the XXXX 's and are now in the XXXX 's. And there was no change in their status as to why that occurred other than from time to time we change our algorithms. 
Totally unacceptable. We are maintaining a good payment history and we are being penalized for no reason. Please look into this.
Complaint sub-issue: Personal information

Equifax has reports my address, phone numbers, and name incorrectly as well as my student loans status, medical bills reporting incorrectly. This has significantly affected my approval for credit.
Complaint sub-issue: Account information incorrect

The following accounts are incorrect and are adversely affecting my livelihood. 

XXXX XXXX late payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem with fees

When I pay my stated balance in full the company adds additional interest the balance between the statement and due date. They then round up that amount to {$2.00} per the agreement and charge me that amount on my subsequent statement.
Complaint sub-issue: Card opened as result of identity theft or fraud

I am a victim of identity theft. The Fraudulent Activity happened XX/XX/2013 with a balance of {$13000.00}. I left my car open in a public place then I lost my bag with my cards and Ids inside it. Someone who has taken my things took advantage of and made this fraudulent account under my name.
Complaint sub-issue: Their investigation did not fix an error on your report

I do not recognize this account. The information regarding this account fails to report completely. I do not see the monthly payment, terms, credit limit, past due, and date of last payment being reported. Please provide the information or take this account off of my credit report.
Complaint sub-issue: Account information incorrect

the collection account in my report, the name of the account XXXX is reporting on my file and this account dose not belong to me the original creditor is XXXX XXXX account no is XXXX
Complaint sub-issue: Can't close your account

In XXXX of XXXX my father gave me XXXX XXXX XXXX XXXX XXXX  ) to manage his finances due to his XXXX. Shortly after getting the XXXX, I reached out to Discover to cancel his card as he no longer needed it while in a XXXX home. I spoke with a Discover customer service representative who helped me to pay the final balance on the card. This representative also gave me the email to which I should send the XXXX and request to cancel the card. On XXXX XXXX I sent my XXXX as well as the last XXXX digits of my father 's social security number and the last XXXX digits of his Discover Card account to the address provided ( XXXX ). At that time I explained my father 's XXXX and requested that the account be canceled. 

I am still receiving bills on this account. Discover has not closed the account and is allowing companies to either charge the card with recurring charges or they are allowing someone to use the card which is allowing fraud to occur. This despite the fact that I keep calling and emailing and trying to confirm the cancelation of the card as of XXXX of XXXX. In my latest call, I was told I needed to " dispute '' a charge which I refused to do as the account should have been closed. I should not have to dispute a charge that Discover fraudulently allowed on an account that was closed. 

They apparently recognize the validity of the XXXX as they have changed the address on the account to my address. If they recognized the XXXX as sufficient to make changes on the account such as a mailing address, they should have also recognized it for purposes of canceling the card and closing the account. Instead, they have allowed charges, keep charging late fees on top of the unlawful charges, and keep sending bills to my address. 

I am submitting the original email to the XXXX department of Discover from XX/XX/XXXX as well as a follow-up email I sent on XX/XX/XXXX. 

I just need someone to help me get Discover to stop contacting me and stop trying to collect amounts that they fraudulently allowed to be charged to the card.
Complaint sub-issue: Personal information incorrect

I only have one address that's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I gaining to give an id and bank account letter head for accuracies. I m not connected to any other address. This will be my proof that this is me also
Complaint sub-issue: Didn't receive notice of right to dispute

After viewing a copy of my credit report, I noticed a collection account placed on my credit report from AFNI in XX/XX/2018 in the amount of {$960.00}. First and foremost, I have confirmed that the debt collector, AFNI is not licensed in the state of Texas to collect on this debt. Secondly, AFNI violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumers right to dispute the debt within 30 days ( see 15 U.S.C. 1692g ( a ) ). Third, what obligation do I have at all to AFNI? I have never heard of them, have no written contract with them and have never received any benefits from them, yet AFNI has submitted negative information to all three credit reporting agencies ( XXXX, XXXX and XXXX ) against my name and social security number and is demanding payment from me in the amount of {$960.00}.
Complaint sub-issue: Information belongs to someone else

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I dont know where to put myself in this situation thats taking place at the moment. I thought that Credit Bureaus are set to comply with the FCRA laws. But based on what I see, it seems that they dont have any fear of neglecting this kind of complaint. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt. I have sent tons of dispute letters and complaints alongside my FTC report but you there at Equifax are so firm with what youre doing, and thats disregarding my complaint. Is it that hard to understand where Im coming from? Common! This is not rocket science! Please comply with the law and DELETE the account right away. 

XXXX  XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I WAS PUT IN THIS SITUATION DUE TO SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNT DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Complaint sub-issue: Information belongs to someone else

This is my XXXX 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 items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem getting my free annual report

Equifax will not deliver my free credit report after I entered all of my personal information
Complaint sub-issue: Account status incorrect

In accordance with the Fair Credit Reporting act XXXX Account, 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. The following Account ( s ) : XXXX XXXX XXXX  Acct # XXXX Amount {$950.00} - Dispute Account Information Address XXXX XXXX XXXX XXXX XXXX GA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2022 Responsibility Joint Account Account Type Open Account Loan Type XXXX XXXX  Date Updated XX/XX/2022 High Balance {$950.00} Original Creditor XXXX XXXX XXXX  Past Due {$950.00} Pay Status >Collection<
Complaint sub-issue: Their investigation did not fix an error on your report

I am having a lot of trouble with the credit reports because the fact there is things on my report that should not be there. 1st is XXXX credit card i paid this than it was taken off. Aprox. a year & few months later it's put back on. After my house was broken into and set on fire. I lost everything not once but 3 separate times has my house be set on fire.. I understand its not your fault but I'm telling you this because I have nothing. I did not get a new XXXX credit card. 2nd is a XXXX XXXX they want me to pay for something that I did not authorize and disputed right when I noticed it on my account. It took the money I had in the bank & over drafted my account. 3rd. There are some other things that I didn't do. I was one of the people who info got stole when equafax had a data breach
Complaint sub-issue: Reporting company used your report improperly

To Whom It May Concern : Clarity services inc I have noticed that you have placed an inquiry on my XXXX credit file dated XX/XX/2016. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an  entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose, for doing so since I did not apply for employment with your organization nor did I request credit from your organization. 

XXXX report that you pulled a hard inquiry. 


Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC? 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are {$1000.00}, whichever is greater ; '' *****https : //www.consumerfinance.gov/XXXX*****
Complaint sub-issue: Banking errors

I received an email from US Bank regarding " cash-back deals '' on my checking account. One of the offers was for 10 % off purchases at XXXX for a maximum discount of {$8.00}. I signed up for this offer through the link provided in the email. 

I made a purchase of {$75.00} at XXXX on XX/XX/2021 using my US Bank debit card. However, I have never received the {$7.00} cash back. I have inquired with US Bank to try and get this resolved but have never gotten a response.
Complaint sub-issue: Information belongs to someone else

Please carefully review and remove or correct this information at the earliest possible time. 
Enclosures
Complaint sub-issue: Trouble with how payments are being handled

From the best of my recollection : 1. XX/XX/XXXX Access Group loans were split between Nelnet and Firstmark 2. It was improperly communicated to me that it was two different agencies. 
3. I made payments to Nelnet and did not realize nothing was going to Firstmark 4. In XX/XX/XXXX, when I realized that Firstmark needed payments, I made a lump sum payment to catch up. 
5. I set up autopay 6. I then asked to have my future payments applied to both Nelnet and Firstmark 6. They did not apply to Firstmark 7. When I realized this was the case, I again made a lump sum payment and set up an autopay to two companies in XX/XX/XXXX 8. I have not missed any payments since the autopay was straightened out 8. However, now Firstmark reported the missed payments to credit report and Firstmark is not willing to fix
Complaint sub-issue: Information belongs to someone else

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$14000.00} ; XXXX XXXX Balance : XXXX ; XXXX XXXX Balance : {$0.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2021, I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. I attached a copy of my credit report, I circled the disputed items that I needed deleted. I also included copies of my social security card, drivers license, utility bill and the reasons why these items should be deleted. GRANT & WEBER, Account # XXXX
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$19000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Complaint sub-issue: Used obscene, profane, or other abusive language

I was contacted by IQ DATA and spoke with XXXX ext. XXXX. At the beginning of the call, XXXX was aggressive when I asked for account details and contact information. Once I expressed my concerns to XXXX, she adjusted her call technique temporarily. She took my financial information for the purpose of a hardship plan. I was placed on hold for an approval and offered me 2 payments for the full balance without anyone knowing this account existed. I questioned how that would be possible with the financial information I just provided to her. She became extremely aggressive and said she has loan companies she can put me in contact with to approve me for a loan to pay off this balance. I expressed to her that that was illegal, she could not offer to place me more into debt. She became extremely aggressive and expressed that she had been a collector for 20 years and other things. I asked for her to transfer me to her manager. She did and I spoke with XXXX ext. XXXX who represented herself as a manager. I ask her if she know what was going on with the account and asked her to move forward. She said I accused her employee of breaking the law and that I needed to tell her how and why because it affects her company and thats why all calls are recorded. I responded yes, but informed her to review the call as it was not my job to handle her compliance I wanted to resolve the debt. She demanded that I explain I continued to refuse. She screamed at me and refused to assist me in resolving the balance.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous inquiry reporting on my Credit Report : XXXX XXXX XXXXDate of Inquiry XX/XX/ 2020 2020
Complaint sub-issue: Didn't receive enough information to verify debt

received a letter on XX/XX/2021 stating I have XXXX debt of {$1400.00} issuing company and addresses listed on letter : JEFFERSON CARITAL SYSEMS, LLC Dept # XXXX XXXX XXXX XXXX XXXX, AL XXXX also XXXX XXXX  XXXX XXXX, NC XXXX also XXXX XXXX XXXX, XXXX XXXX, MN XXXX Website : XXXX Phone : XXXX the only action I took was filing this complaint