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

Ive contacted Equifax, XXXX  and XXXX  XX/XX/XXXX, XX/XX/XXXX and XXXX  again XX/XX/XXXX regarding inaccurate information being reported on my credit report. They respond each time saying they verified the information as accurate. However the information being reported is in non-compliance with the FCRA which is in violation of my rights. I informed XXXX  the creditor XXXX XXXX XXXX is reporting inaccurate data 1. Date last updated says XX/XX/XXXX but I disputed this XXXX XXXX- 2. Past due reporting on a collection account, this is a violation 3. Late  payments/payment activity reporting on a collection account this is a violation They replied saying they verified the information as accurate and it still remains on my credit report to this day! 

Creditor, XXXX  XXXX XXXX 1.Past due amount showing on charged off account. 
2. Account shows 3 different dates last active : XXXX XX/XX/XXXX, Equifax XX/XX/XXXX and XXXX  XX/XX/XXXX. Additionally, this account has been re-aged. 

I asked them all to delete both accounts for FCRA non compliance which they havent. So due to these errors my credit score has suffered. 

All 3 bureaus failed to complete a proper investigation because they profit off of these errors. 

The FCRA thus requires furnishers to report accurate and complete information to CRAs. More specifically, furnishers are prohibited from reporting information relating to a consumer that is known to be inaccurate, or that the furnisher has reasonable cause to believe is inaccurate-which they know this information is NOT! 

EQUIFAX has merged my account with my ex-boyfriend from over 10 years ago and they refuse to delink our accounts. I have requested a personal pin to be mailed to me in order to access my info. I received it and when i go on their website they say i have no account, so i contacted them via e-mail. The rep told me they fixed it yet i still cant access my account online and i always fail verification because they ask me about HIS car loans and mortgage lenders which clearly i do not know this information. They wont give my a copy of my credit report even though I have sent in my ID AND BANK STATEMNT documents for a dispute! 

Ive asked them NUMEROUS times to fix this but again they make money off of errors they dont actually care about providing customer service.
Complaint sub-issue: Account status incorrect

To whom it may concern, I am contacting you because I have found some information that is inaccurate on my credit report.

The amount that is reported I owe is inaccurate as it is reported. I request that you verify the information and remove the information from my credit report as quickly as possible. 
The items in question are : XXXX XXXX XXXX XXXX XXXX After doing so please provide me with an updated credit report reflecting the changes.
Complaint sub-issue: Information belongs to someone else

These are not my accounts, nor did I live at any of these addresses listed. Please remove them from my credit reports.
Complaint sub-issue: Account status incorrect

I purchased jewelry and was extended a line of credit by a financial institution that I was told did NOT report to credit bureaus. After having the merchandise for 4 days I contacted the financial institution ( Acima ) to find out my options. I was advised that I could purchase the jewelry for a lesser cost or return it and my lease would be closed. I did so in XX/XX/2021. I am now being reported to XX/XX/XXXX that I've voluntarily surrendered merchandise in XXXX & XX/XX/2021. This is contrary to what I was told. I was not given this information by Acima after contacting them several times. I would have never returned the merchandise if I would have known that they would report me negatively to a credit bureau. They are not helpful when I call them.
Complaint sub-issue: Other problem getting your report or credit score

I was unable to get phone support with XXXX and Equifax and I was told there is fraud issues and I need to submit everything in writing which I dont have time for and I would like to gain access to phone support and Im also unable to dispute anything online Im getting a error message from XXXX and I need to have this fix thank you
Complaint sub-issue: Their investigation did not fix an error on your report

I filed a dispute with equifax about XXXX XXXX. I had called and canceled my service and i was still being billed from XXXX. I have tried multiple times to get this removed from Equifax and XXXX. I am not satisfied with the response I have received from XXXX or Equifax. There in the business of handling people credit as it effects the outcome of buying on credit yet they take no financial responsibility of ruining someones credit. They are quick to post information on someone credit and yet they take there time in determining wrong information on someones credit report and when and if it will be removed. When time is of the essence. Also I feel XXXX is retaliation because of my prior complaints and have decreased my credit score by XXXX points for a account that I have never been late on I have a good standing and the balance is {$110.00}, XXXX points for one account seems a little excessive.
Complaint sub-issue: Account status incorrect

Reference CFPB XXXX, XXXX  claimed ( kindly see attachment page 5 para 2 ) XXXX  representatives did not receive a POA and therefore could not process the claim. ( Kindly see attachment 2 page 1 ) Showing when the check was issued and paid. No transactions could not be done without a POA if needed! ( I was XXXX at the time and my spouse had a general POA ) Requested Date : XX/XX/2013 Transaction ID : XXXX Issued Date : XX/XX/2013 Voucher ID : XXXX Kindly see attachment, payment history showing balance due. If XXXX  did not receive the check until XXXX  XXXX as stated, why XXXX  payment history ( same attachment ) show payment received in XX/XX/2013?
Complaint sub-issue: Other problem getting your report or credit score

On XX/XX/XXXX I completed an application for an apartment at XXXX XXXX XXXX in XXXX GA. Later that day I was contacted by the property manager and told that they could not process my application because although I had signed the necessary authorization, they could not get my credit report from Equifax . I was told Equifax said there was a " freeze '' on my account. 

I called Equifax and was told that since I did not have any credit cards and had never had a loan, I had no credit account and they had no information on me. 

I called the property manager and they said they would contact Equifax again. 

On XX/XX/XXXX I again called Equifax, but after supplying considerable information, including my name, DOB, SSN, current address, former address for 17 years, prior addresses for 25 years, every previous telephone number I could remember, the last credit card I ever had which was in XXXX from XXXX which I always paid on time and then closed, I was told repeatedly that I had not correctly answered the " security questions '' and they could not give me any information, including whether there was a " freeze '' on my account. I kept asking what the security question was and they kept asking about credit cards. I pointed out that I had never requested a freeze on my account and I am the account holder. I asked repeatedly who had placed the " freeze '' and why I had never been notified of it. I was told to mail them copies of my drivers license and social security card to Equifax and they would attempt to investigate and contact me within 30 days. I do not understand how receiving copies of these documents will provide them with any additional information. I gave them both my SSN and my DL number on the phone. Since they can not see me, how are they to tell that I am the person pictured on the drivers license? 

On XX/XX/XXXX I again spoke with the property manager who said she had again tried to get my credit checked with Equifax who told her there was a " fraud alert '' and a " freeze '' on my account. She said another applicant is having the same problem. Unfortunately Equifax is the only company they can use to check my credit. 

Interestingly, I just obtained a report from Experian. I do not understand how there can be a fraud alert and freeze at Equifax and not at Experian. 

I think it is wrong for Equifax to allow a " fraud alert '' and a " freeze '' to be placed on someone's account without notifying them. I also think it is wrong to turn verifying an account holder 's name into a one-sided guessing game. There should be a regulated specific procedure for verifying identity and the person whose account it is should have the right to know what that procedure is and what information will suffice to establish identity. 

I believe that Equifax 's misfeasance, negligence, refusal to provide the information I am entitled to, and failure to respond to promptly resolve the problem may me to lose the apartment. It is the only apartment I can afford. It is in a public housing building. There are no other subsidized apartments available. Equifax may cause me to be homeless.
Complaint sub-issue: Frequent or repeated calls

I am currently paying for a debt with Conn 's appliances. This company calls me non-stop on a daily basis to collect on a balance that has been kept current by me. The bill is due on the XXXX of the month, on the XXXX they are calling continuously throughout the day. I get up to XXXX calls a day from this company and it is driving me nuts! I 've spoken to managers and called corporate office to warn them not to contact me in the manner that they do. They call from different numbers and hangup without saying anything, they call back XXXX minutes later from the Conn 's number. They rarely leave voicemail and when they do the call back 15mins later. They blame it on the " automated dialer '' but I have worked call centers and collections and know that the dialer must be released properly in order not to call a customer back. When you leave a voicemail you do n't supposed to contact a customer again in that day. I made the mistake of giving them my work # and they call me ALL day, they are calling as I write this complaint. It makes it hard for me to focus, it gets me discombobulated when on the phone with clients, they have made me loose focus and has added a great deal of stress to my life. I pay the bill every month, I have communicated with them on when they could expect payment and they still harass me. I have weird numbers that call and hang up when I answer. I ca n't help but to believe they do this purposely and to many clients but with my background in this field I can not sit and be harassed. Please help me! I do n't want the furniture on my credit otherwise I would have given it back. If I place the phone on silent or vibrate I miss important calls. They are negatively impacting my business! This ca n't be legal ... They are intentionally annoying me and my business in an effort to collect on a paid up bill!
Complaint sub-issue: Didn't receive services that were advertised

Writing this in regards to background done by checker for XXXX, I believe I had identity theft on there because I had to report it in 2019 and now every time I put in for a job or anything online that identity theft that pops up is hindering me from getting obtaining employment. Also my background as far as criminal history is concerned is 14 years old, it shouldnt be held against me. I also want to know why my report from checker came back as suspended and who would I need to contact to get this issue resolved.
Complaint sub-issue: Problem accessing account

I am not able to make a payment through XXXX with my bank.
Complaint sub-issue: Didn't receive terms that were advertised

I opened a Citi checking account on XX/XX/XXXX. The bonus term is to make a deposit of {$15000.00} for 3 months and I will get XXXX Citi Thank You points. I have contacted Citi customer service multiple times on XXXX, XXXX and XXXX and they have confirmed that I have fulfilled the terms for the bonus. They have confirmed that I should be getting my bonus at the latest on XX/XX/XXXX. But there is no bonus.
Complaint sub-issue: Billing problem

Regarding an auto loan with Flagship Credit : The loan balance is about double what it should be. I purchased the car in XX/XX/XXXX. I have a contract for XXXX payments. My payments are {$370.00} per month, yet they show a balance of nearly XXXX. I asked the about it and they said my interest compounds daily. I say that should be accounted for in the contract payments/terms. Also they said I have been more than 30 days late XXXX times. This is also not true, and my credit report will show this. I believe they are trying to extort money from me. This is a predatory loan that I received from a XXXX dealer. I had no idea it was such. This car is a XXXX now with over XXXX miles on it and they say I still owe over {$8000.00} a car that the purchase price was {$11000.00}.
Complaint sub-issue: Account information incorrect

XXXX XXXX is erroneously reporting incorrect information on my credit file. They are reporting 2 new lates XX/XX/19 & XX/XX/19 on an account that has been closed for over more than a year!! This is beyond careless and affecting my credit. I am requesting that they remove these lates on an old account # XXXX
Complaint sub-issue: Can't temporarily delay making payments

I am currently unemployed from my job and I filed for my pandemic unemployment insurance and have been waiting for weeks because of the processing. I have spoken to the representatives over the phone explaining to them that I am not employed and will contact them when I can find employment to make payments. The company Tuition Options is a private education loan account with XXXX UNIVERSITY where I graduated. I owe the principal balance of {$3000.00}. I am receiving calls every month from them right after I have told them my unemployment situation. I've already explained my economic hardship to them and it seems as if they don't care they just want their money. I haven't even paid my rent for months, car payments, and now this. I just want to get this resolved.
Complaint sub-issue: Lender trying to repossess or disable the vehicle

I feel behind on my payments due to the COVID-19 pandemic. While waiting for unemployment insurance to kick in ( which was particularly slow in California ), I attempted to contact Ally a number of times to arrange deferred payment arrangements. I was told that the car payments were " too far behind '' and that they entire balance would have to be brought current before a deferral or arrangement could be made, which defeats the purpose for making a deferral arrangement. I was told that if I wanted to negotiate a partial payment, I would need to speak with a manager, which I requested to do. I was told there were no managers available, due to pandemic closures, but was assured by a representative that a manager would call back within 24-48 hours. I received no return call. I attempted a number of times over the following months to speak to a manager and was always assured the same thing - that a manager would call back, but they never did. 

After a few months, I received notification in the mail that I was being sued for possession of the vehicle. At this point, I ramped up my efforts to speak to someone at Ally to address this issue. I called at least a dozen times and I can provide XXXX call logs to verify this. On every single call, i was directed to a department that handles cases that have escalated to legal level. On EVERY single call, i was told the same thing - the only person who could help was a manager and they would have to call me back, as they don't take incoming calls. I requested this every time, yet never received a call back. 

Ally Financial specifically led me on to believe that I would be contacted by management to discuss options for my vehicle, while in the background, they prepared a legal case against me and submitted it to the court. Their behavior is either gross negligence of the highest order, or it was intentional, which is tantamount to fraudulent intent and fraudulent misrepresentation. I am happy to provide copies of phone billing statements if necessary.
Complaint sub-issue: Account information incorrect

Im a victim of identity theft and fraud. I have notified the creditors/agencies several times that the accounts & inquiries are fraudulent & do not belong to me. I have not in any way received goods or services from these companies. I have provided the proper authorities my FTC ID THEFT AFFIDAVIT with a sworn statement regarding the fraudulent accounts and inquiries. The documents have been submitted to all credit bureaus as well. Again, I was not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
Therefore these items must be deleted immediately. 
The FTC report ID number is XXXX.
Complaint sub-issue: Account information incorrect

I've reviewed my credit report and notice a lot of inaccurate, invalid, wrong information reporting on my report.
Complaint sub-issue: Information belongs to someone else

FCRA violations : inquires not mine XXXX XXXX Dispute this Address Date of inquiry XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute this Address Date of inquiry XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Dispute this Address Date of inquiry XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dispute this Address Date of inquiry XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Dispute this Address Date of inquiry XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute this Address Date of inquiry XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Dispute this Address Date of inquiry XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX XXXX XXXXXXXX View account details Account status Age of Account Late payments Closed 5 years 4 months 9 days XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX View account details Account status Age of Account Late payments Closed 5 years 2 months 9 days 0 XXXX XXXX XXXX XXXXXXXX View account details Account status Age of Account Late payments Closed 5 years 4 months 9 days XXXX  XXXX XXXX XXXX XXXX XXXX View account details Account status Age of Account Late payments Closed 6 years 1 month 7 days XXXX XXXX XXXX XXXX XXXX XXXXXXXX View account details Account status Age of Account Late payments Closed 5 years 4 months 9 days XXXX XXXX XXXX XXXX XXXX View account details Account status Age of Account Late payments Closed 6 years 5 months 1 day 5
Complaint sub-issue: Reporting company used your report improperly

There are several inquiries on my credit report that I have not done.
Complaint sub-issue: Didn't receive enough information to verify debt

I have credit XXXX account and found that XXXX XXXX XXXX, XXXX, also with XXXX XXXX serviced by Lending Club Corporation that it was reported on XX/XX/21 that there is a debt being collected. I have yet to know anything about this.
Complaint sub-issue: Debt was paid

I received a call from CITI bank regarding my Best Buy Credit card account that I paid off in full in XXXX. They said they were contacting for late fee that had rolled over after I paid it off. So we're rolling a late fee forward and I was even aware that I owed the fee. First time I heard it was today and it had doubled. So since they refused to take the entire fee off I paid {$31.00}. This unfair treatment for someone who had always paid on time. Collection of late fees that continue to roll over is an unfair to good paying customer..
Complaint sub-issue: Threatened to take legal action

Large collection balance with original creditor XXXX XXXX XXXX XXXX for original charged off balance of XXXX. Written notices mailed to address in XXXX and XXXX 2015 did not include notice of rights to dispute or appeal debt or propose settlement arrangements. Debt collectors would not accept money orders or cashier 's checks for continued payment plan, and pushed for series of post-dated checks on large debt. Unwilling to work out settlement with lower interest rates. Letter dated XXXX XXXX, 2015 states " failure to respond by XX/XX/2015 may result in the initiation of asset information review, which may be used by management for the purpose of suit evaluation. This inquiry may include verification of your non-exempt property, funds and/or wages, where applicable, as provided by law. '' At the time of letter this collector had not given any right to cure letter or any certified legal statement that showed court granting of them to take this action. Nor did this statement have any language or heading stating " notice of right to cure. '' This violates Iowa Fair Debt Collection Practices Act that states " a debt collector shall not use.. .misleading.. .means to collect a debt... [ including ] or a representation which tends to create a false impression of the character, extent or amount of a debt, or of its status in a legal proceeding. ''
Complaint sub-issue: Attempted to collect wrong amount

This account was closed last year. I sent a letter and money order to CEO, for account deletion. On XX/XX/XXXX I pulled my credit report and saw that I had a balance left with XXXX XXXX XXXX in the amount of {$160.00} which was what reflected on my credit report. On XX/XX/XXXX I contacted XXXX XXXX XXXX and spoke with XXXX whom informed me that any correspondence would need to go to the Office of Compliance at XXXX. XXXX XXXX, XXXX XXXX, TN with attention to the Office of the CEO. I wrote a three paged letter explaining the reasoning as to why I fell behind, and asked that if the account was paid in full according to what is being reported with the credit bureaus that the account be deleted from all three burueas. I also wrote directly on the money order number XXXX that in cashing this money order you consider this account paid in full and agree to remove the account from all three credit bureaus ( XXXX, XXXX, XXXX ). As of today XX/XX/XXXX I contacted First Progress as to the status of the agreement and was informed by XXXX and XXXX XXXX that my payment was accepted and processed on XX/XX/XXXX. However, the company did not remove the account and on XX/XX/XXXX at XXXX XXXX reported the account to my credit as negative, with a XXXX balance. I am requesting that the company comply with the agreement that was set forth in the letter and on the money order that they processed and delete the accounts.
Complaint sub-issue: Confusing or missing disclosures

My employer opened a business checking account at East West Bank XX/XX/2021. Also before the opening, the banker XXXX XXXX ( XXXX ) claimed it was free over the phone call but after the opening he said HE WAS NOT SURE and then he has been ghosting me for weeks for any email correspondence. This unprofessionalism and unresponsiveness for customers is beyond acceptable