Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

My Complaint is regarding Credit Reporting - Not Being Updated and Reported to All Credit Bureaus Correctly Everyone I speak with at this company is dismissive and does not care about resolving issues. 
I have had ongoing issues with the company. Due to this, I was finally escalated to The Office of The President on XX/XX/XXXX and I spoke with XXXX XXXX/Escalations Department. He attempted to assist me regarding the issue with my XXXX that was taken from my bank account but not added to my Investment Account and my account not being reported to XXXX. 

As of XX/XX/XXXX, Money Lion reported my Plus Loan with the incorrect balance only to XXXX and XXXX. Money Lion advertises that they report to all three credit bureaus but are not reporting my account with all three credit bureaus. 
There has also been no update to my XXXX and XXXX listings since XX/XX/XXXX over 30 days. Per the FCRA, the company is obligated to report accurate information to the credit bureaus. I also had an issue with my money that was taken from my bank account not being added to the Investment Account and unaccounted for. The {$50.00} was taken from my bank account on XX/XX/XXXX on time successfully. However, it wasn't added to the investment account until XX/XX/XXXX manually per XXXX. 

In my conversation with XXXX, he advised me that there is one man responsible for credit reporting and he sent him a message during our call and said that he will call the person directly and call me back. 
He called me back about an hour later an advised that the guy alleged that he sent an update with the correct balance reflecting my two payments to all three credit bureaus on XX/XX/XXXX. 

However, as of today 's date, XX/XX/XXXX, there still has not been an update to the money lion accounts since XX/XX/XXXX for XXXX and XXXX. There is no money lion account currently reporting to XXXX. I have spoken with XXXX and they advised that they report what they receive and the account isn't on the report because it has not been reported. Also, you can not dispute an account that does not exist. This company keeps trying to blame the credit bureaus for issues that they are responsible for. The credit bureau only reports what creditors send to them. 

On XX/XX/XXXX, I called back and attempted to reach back XXXX as he advised that I could call and ask for him directly. I was advised that he no longer works with the company. I previously emailed him and received no response. I was refused escalation of my issue when I requested to speak back to the department who was assisting me and hung up on. I don't know if XXXX is no longer with the company but he is the only one outside of XXXX that I have spoken with who has ever tried to resolve my issues. My credit reporting needs to be corrected by money lion immediately as it is overdue.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

On XX/XX/2015 I was granted a Chapter XXXX discharge of debt from the U.S. Bankruptcy Court, XXXX District of California which included two judgments awarded to XXXX XXXX and their subsidiary XXXX along with their collection agents XXXX XXXX XXXX and XXXX XXXX ; specifically, Case No. XXXX ) & (  XXXX XXXX. XXXX ). XXXX, XXXX and XXXX complied with the court order and removed the debts from my credit profile but XXXX XXXX and Hunt & Henriques did not and failed to release the liens they placed on my property despite having been notified by the court via First Class Mail and electronic transmission in XXXX of 2015. 

XXXX XXXX and Hunt & Henriques have and continue to abdicating their duty to me and the U.S. bankruptcy court despite multiple ( FAX ) requests from XXXX XXXX XXXX of XXXX, XXXX Processing and XXXX XXXX XXXX requesting compliance with the court order and release the liens. It has become clear that neither XXXX XXXX nor Hunt & Henriques have any intention to release the liens on my property so I respectfully request the CFPB to intervene to the fullest extent possible.
Complaint sub-issue: Information belongs to someone else

These are not my accounts. Please remove them immediately.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX My social security number incorrect, names on my report
Complaint sub-issue: Account status incorrect

On Monday, XX/XX/2022, I contacted Equifax Credit Report regarding my credit score. Prior to contacting Equifax, my credit score was XXXX. However, once I conveyed my displeasure that the score given to possible creditors who inquired about my credit information from Equifax and my credit score was given to them to be XXXX. I was then placed on hold and within minutes the representative dropped my credit score down to XXXX. When asked why did my credit score drop down XXXX points, the representative informed me that it was due to my student loans showing to be under XXXX XXXX. I informed the representative that my student loans are no longer under XXXX XXXXXXXX, and I have an income based repayment plan. My XXXX XXXXXXXX was discharged in XXXX XXXX. 
Also, I informed the representative that it is showing me to owe XXXX XXXX XXXX {$310.00}, which is incorrect. To date, I am a XXXX customer and have car insurance through XXXX. The representative placed me on hold and as I type this complaint, I have been on hold showing 1 hr and 3 minutes. 
I have screenshot the information of Equifax prior to my telephone conversation, and after my 5 minute conversation with the representative. In addition, my mortgage is not shown on my credit report. 

The representative from Equifax falsely lowered my credit score, and the information shown on my credit report is incorrect and falsely placed on my credit report. This type of fraudulent should not be tolerated, especially towards a XXXX Veteran who served XXXX years in the XXXX XXXX. 

I would like to file a complaint against Equifax for reasons mention above. 

I can be reached for further information at XXXX. 

Thank you for your assistance.
Complaint sub-issue: Reporting company used your report improperly

The credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States i have 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 Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX  XXXX - XX/XX/XXXX - XX/XX/XXXX - XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX  XXXX  - XX/XX/XXXX XXXX  XXXX XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX ARE FRAUDULENT INQUIRIES. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO. 

Per Section 604 of the Fair Credit Reporting Act ( FCRA ), all users of my credit report must have a permissible purpose. Specifically per Section 604 ( a ) ( 3 ) ( F ), a consumer reporting agency may only furnish a report if the recipient : otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer
Complaint sub-issue: Didn't receive enough information to verify debt

I was sent info to reduce my credit card payment and discover did not keep ther end of the deal and are still attempting to collet from me. but i made the payments on time.
Complaint sub-issue: Threatened or suggested your credit would be damaged

saw I C SYSTEM INC on my credit report called I C SYSTEM INC and asked them to provide documents what is charge is all about, asked them to provide me with letter of disputed and include additional supported documents based on {$700.00} collection they put on me. Costumer rep was rude, did not want to provide anything. I assume they do not have anything to support the claim
Complaint sub-issue: Frequent or repeated calls

This company calls my phone multiple times daily harassing me. They did NOT notify me my credit would be affected and it certainly has been affected.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX  is reporting this account on my credit report and i have written them as well as all 3 credit bureaus challenging the 100 % accurate reporting of this account and each time they all send back a letter saying it is verified as accurate ... how is that possible? i have pointed out the inaccuracies to them all multiple times and they still ignore it and continue to violate my consumer rights... .i have attached a copy of how its reporting on my credit report for reference ..... 

they are reporting 3 different high credit limits XXXX  reports {$500.00} experian reports {$0.00} equifax reports {$360.00} they are reporting 3 different dates of last payment on my report XXXX  and XXXX are reporting XX/XX/XXXX equifax is reporting XX/XX/XXXX but if you look on the 2 year payment history equifax is also reporting XX/XX/XXXX as the date of last payment they are reporting 3 different dates of last active XXXX  reports XX/XX/XXXX XXXX  reports XX/XX/XXXX equifax reports XX/XX/XXXX i believe they are not conducting full and proper investigations as required by law ... .this reporting is not 100 % accurate at all and they are pencil whipping the responses
Complaint sub-issue: Deposits and withdrawals

I closed out my XXXX after stopping work with a home improvement retailer. On Monday XX/XX/21 the company sent the money via EFT to my bank. As of this morning, XX/XX/21, it has still not been posted to my account. This is causing me untold problems. My landlord wants the rent, the electric bill is overdue, my home internet has been shut off, my car insurance has been cancelled, etc...
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Investigation took more than 30 days

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this credit bureau over 60 days ago, I have not received a response yet. I feel like I am being taken advantage of as well as my disputes are being ignored. As plainly stated in SECTION 611 ( a ) a failure to investigate these items within 30 days gives a reason to IMMEDIATELY remove those items from my credit report. I has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this have caused me. my information was also impacted by the Equifax data breach and may have got in the the hands of the wrong person.
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 involve in the process.My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, XXXX5 USC Sections 1681i within the time permitted 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 are the inquiries that are still reporting on my account : XXXX -Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX . INQUIRIES : US SM BUS ADMIN ODA | XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX  | XX/XX/XXXX, XXXX XXXX  | XX/XX/XXXX, XXXX/XXXX  | XX/XX/XXXX, XXXX/XXXX/XXXX XXXX | XX/XX/XXXX. 
I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : DEPT OF ED/XXXX
Complaint sub-issue: Problem with customer service

False Certification - Ability To Benefit Application - Denied - XX/XX/2019
Complaint sub-issue: Their investigation did not fix an error on your report

Attempted numerous times to have fraudulent information deleted due to identity theft as well as inquiry 's, charge off accounts that is not mine. I've also repeatedly asked to exhaustion that my correct and updated credit report information and scores reflect each of the accredited credit bureaus. Unfortunately, they ( XXXX, Equifax and XXXX ) are still not communicating with one another to mitigate my reports in a cohesively manner. Also, their credit scoring system 's is suspicious, they all have a different scoring system that is very suspect to me. some uses advantage XXXX & XXXX and now XXXX is in effect. This system acts like the XXXX and if they can't get it together the courts will .... I had enough.
Complaint sub-issue: Debt resulted from identity theft

Debt Collector is still reporting debt that they state they submitted a request to be deleted in 2014
Complaint sub-issue: Their investigation did not fix an error on your report

I notified Equifax that a hard inquiry on my credit report on XXXX XX/XX/2021, by XXXX XXXX was fraudulent. There was also another inquiry to XXXX XXXX  on XXXX XX/XX/2021 that has been resolved. I contacted XXXX and they concurred it was fraudulent and an account was not opened. I put a fraud alert on my credit accounts, reported it to the Federal Trade Commission and after filing reports through them, received notice that Equifax will not remove it because they say it is a valid inquiry even though I did not authorize it. I have written to them twice with the same result. I want this hard inquiry removed from my credit report- it is fraudulent and I should not be penalized for someone else 's bad behavior. 

Please see the attached : >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/2021 XXXX  XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act All XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instru
ctions.
Complaint sub-issue: Their investigation did not fix an error on your report

I am a victim of identity theft. I have contacted Upgrade since last year and they refuse to resolve anything. They can not provide validation of the debt and continue reporting a negative tradelineon my credit report. If they can not provide the following information, I want the negative tradeline to be removed from my credit report. 
Upgrade, I demand the following : It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

1. That Upgrade Inc is complying with all applicable Federal Reserve Policies and Procedures, Federal laws, and State laws requiring the use of Generally Accepted Accounting Principles and Generally Accepted Auditing Standards for all bookkeeping entries associated with performing the Agreement. 

2. Audited bookkeeping entries showing assets/liabilities for the account in question. 

3. Copy of form 1099 filed by Upgrade Inc regarding the account in question. 

4. Copy of insurance policies associated with this account. 

Please do not confuse this request with a request for copies of any billing statements or a request for copies of any standard cardholder agreements. This is not such a request. Providing those items will verify nothing without the other requested documents.
Complaint sub-issue: Problem using a debit or ATM card

After returning from an overseas trip in XXXX of this year and examining my US Bank statement, I noticed a suspicious/unrecognized charge in the amount of {$130.00} debited from my checking account ; a charge for funds that were never disbursed. I immediately disputed the charge with US Bank through their normal and recommended channels, both by phone and by mail, and was denied redress ( US Bank Reference Number XXXX ). As it turns out, US Bank investigated a different ATM transaction than the one I was disputing, one that actually did disburse the funds I was seeking, and then stated that this was the reason my dispute was denied. All subsequent attempts to sort out this error/confusion, and direct their attention to the actual ATM charge in dispute, have been to no avail ; I am being effectively stonewalled at this point.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted 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 inquiry that is still reporting on my account and needs to be removed completely from my credit report : XXXX - Date of inquiry : XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

I was a potential victim of the Equifax security breach
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Information is not mine

There are multiple inquiries that I did not approve of. The ones I authorized were : XXXX, XXXX, The XXXX XXXX XXXX dated XX/XX/2015.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

The charge was from XXXX XXXX XXXX XXXX which turns out to be a fraudulent company. Initially the " company '' promised the ability to cancel for a full refund ; however, the company is actually a scam. No service requests were ever completed, all the phone numbers, email addresses, and website were disconnected after taking payment, and multiple complaints and cease and desist orders have been filed across the country about this fake company. Discover Card refuses to adequately investigate the fake company and claims the company sent back documentation to show the charges are valid ; however, the documentation itself is fake and does not prove anything whatsoever. No services were actually received by any consumers because there are no services to receive. Consumers should not have to pay for fraudulent services advertised by fraudulent companies and credit card companies need to do a better job of investigating such credit card scams.
Complaint sub-issue: Didn't receive enough information to verify debt

ERC is claiming I have debt with XXXX. I haven't had XXXX in years and it was never on my credit report before. I have never received a XXXX bill at this current address either. 
The letter is dated XX/XX/2021 in the amount of {$220.00}. They say they will settle the debt for {$110.00}. 
Website XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, Florida. 
Pay with cash at XXXX or XXXX XXXX. 

I had also put a freeze on my accounts because I have had an issue with someone opening accounts in my name. This account should never have even been opened if this was an actual account. I should have been notified immediately someone attempted to open up an account in my name but I never received an alert.