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

XXXX XXXX is reporting something on my credit that does NOT belong to me! I applied for a credit card with XXXX XXXX BACK IN XXXX AND XXXX and my credit application was denied. I dont have an an active account with this company nor have I authorized any accounts to be used in my name. I recently noticed a missed payment on my credit report with this company and I dont have nor have I ever authorized the use of a XXXX XXXX credit card. I called this evening a spoke to a representative in there fraud department this evening,XXXX about XXXX, her name was XXXX ID number XXXX and she confirmed that she couldn't find ANY active accounts with my name associated with there company but only a past application when I applied 10+ years ago ad was denied and no account was established which I confirmed was correct. I dont have any authorized accounts with this company and I want this erroneous reporting removed from my credit report immediately! I filed a dispute with Equifax and that stated the info was valid. I requested the documentation confirming the action they have to refute my dispute today from a representative at Equifax by the name of XXXX ID # XXXXand he couldn't provide any reasoning only stating they confirmed this was my account and that they have determined it was authorized by me. I never authorized my name on this account or applied for this particular account onr have I used this account!
Complaint sub-issue: Reporting company used your report improperly

My name is XXXX XXXX I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report.

It is your duties to accurately report information in as of now you are not doing that and its impairing efficiency of the banking system.Both together and separately my consumer and privacy rights are being violated in accordance with 15 U.S.C.1681 ( a ) ( 4 ) and pursuant U.S.P.C. ( B ) ( C ).
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 involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. There are still remaining accounts that need to be removed from my credit report. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX {$2900.00}
Complaint sub-issue: Account status incorrect

I use to have a mortgage with this company, but they were completely paid off in 2020. They keep reporting to my XXXX, Equixfax, and XXXX credit report as an open account even though it is an closed & paid in full account. They are ruining credit score and I have talked to credit and this servicer with no type of resolution. At this point, they are blantly and with intent to ruin my credit and will not report to all three credit bureus that his account is closed as of 2020. Also, they are reporting each month to my credit report as late.
Complaint sub-issue: Information is not mine

Several inquiries on my reports are unfamiliar and were not authorized by me. I have been victim of identity theft in the not so distant past. 

I disputed these inquiries only to be informed that inquiries were information that could not be removed as they simply reflect credit checking These false inquiries affect my score and if its information provided by agencies then it has to be removed if it 's not accurate
Complaint sub-issue: Account status incorrect

I have contacted Equifax and  XXXX  dozens of times about inaccuracies on my credit report. Every single time I dispute,  XXXX  comes back with different information, and Equifax just let these companies put errors on peoples credit report. These  XXXX  entries should already be deleted, but  XXXX  is reaging the accounts. They are not even submiting account numbers or date of last activity because they know it has passed the statue of limitations.   The report number is :  XXXX   XXXX    XXXX   Show Details   XXXX    XXXX / XXXX / XXXX  {$4800.00}  XXXX / XXXX / XXXX  {$4800.00} CHARGE-OFF  XXXX   XXXX   XXXX  Show Details   XXXX    XXXX / XXXX / XXXX  {$11000.00}  XXXX / XXXX / XXXX  {$11000.00} CHARGE-OFF {$15000.00}  XXXX   XXXX    XXXX   Show Details  XXXX   XXXX / XXXX / XXXX  {$10000.00}  XXXX / XXXX / XXXX  {$10000.00} CHARGE-OFF
Complaint sub-issue: Account information incorrect

All three credit bureaus have severely dropped my credit scores and are reporting this comment or something similar : " Open real estate account balances are too high compared to their loan amounts. '' I live in the XXXX, a retirement community. We have two types of homes - original and updated. If your home is in original 70 's 80 's condition it is of significant value less that if there has been a current remodel. This was my house in the beginning. It was in original condition and I have a completed a total restoration. I am NOT underwater with my mortgage of {$250000.00}, as this would be the low end value of my house even with a real estate value bubble burst!

This is totally unfair to those of us who have invested in retirement homes in a retirement community. I have a XXXX XXXX XXXX XXXX XXXX XXXX XXXX on the XXXX XXXX and don't plan to sell, however reducing my credit score to XX/XX/XXXX is criminal! This affects future car purchases, other loans, and insurance rates. Hope you can help.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022 but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

There was a mixed credit file that I became aware of back in XXXXXXXX XXXX XXXX. After years of fighting with the credit bureaus and sending over documentation to correct this issue, their negligence has caused so much distress. Credit card companies, hospitals, debt collectors, etc have confused my identity with someone else because of this mixed credit file. We have had multiple situations like XXXX XXXX merging my credit card account with someone else. I have also had hospital bills put in other persons name/insurance. I could not resolve the issue because my personal medical information was under someone elses social security. Some of these hospital bills took months, years to fix, thus preventing my insurance company from back paying these bills due to a limited time period after my social, name, address was verified and adjusted. I have filed disputes with the bureau regarding some collections and false credit reporting and have been denied any kind of resolution. Hippa complaints have also been filed. The bureaus have compromised my identity, personal information, and privacy due to irresponsibility/negligence. We have consulted with an attorney for a possible lawsuit but have not yet hired a legal representative.
Complaint sub-issue: Non-sufficient funds and associated fees

A while back US Bank offered me and extra account for overdraft protection. They told me it would cover my overdraft fees, which they never explained to me it was for under a certain amount, and caused me to owe them. So then I decided to close the extra line/account. I also asked them to not let any transactions go through if I did not have any money. The app is inaccurate and they charged me an overdraft fee and still let me keep making transactions and charged more overdraft fees on top. They refunded me the initial fee but due to that fee I was charged three other fees.
Complaint sub-issue: Debt was paid

PROFESSIONAL MED ADJ BUR is trying to collect {$430.00} & {$260.00} from when I was pregnant and had XXXX. I have given them my XXXX card # and told them that I have medical assistance then.
Complaint sub-issue: Their investigation did not fix an error on your report

I check my credit report and seen inaccurate information on it I've called and mailed letters and nothing has been done to remove the inaccurate account I spoke with an agent who stated that Equifax does not investigated account they just mark them as accurate Equifax shows Multiple Accounts that is not accurate and Multiple Hard Inquiries and personal information is not accurate as well they have not responded to any letters and it been three months
Complaint sub-issue: Account status incorrect

I have tried multiple times calling and mailing XXXX, XXXX and equifax asking them to remove inquiries that I did not validate even after directly contacting the companies who the inquires were with. Neither the company nor the 3 bureaus would remove the non account holding inquiries. I have been trying off and on for two years to get this resolved.
Complaint sub-issue: Deposits and withdrawals

On XX/XX/XXXX, while traveling in XXXX, I tried to use my ATM bank card to withdrawn local funds in XXXX at a mall. The ATM machine seized my card for a minute without dispensing cash yet I was debited {$65.00} from my checking account. I reported this to PNC over the phone and a dispute case was started. On XX/XX/XXXX, I logged on to my email and PNC bank account only to find out that there had been a series of checks of {$200.00} from a " XXXX XXXX '' written out to " home care '' drawing money off my account on a daily basis up until when I first noticed it on XX/XX/XXXX. I called PNC bank and spoke to a representative who transferred me to their escalation department- XXXX at XXXX. She reported that she would start an investigation on this. I learned today that PNC did not open an investigation until XX/XX/XXXX. On XX/XX/XXXX, I continued to report my complaint at which point my card was cancelled. At this point during my report to PNC, a XXXX, XXXX at XXXX informed me that she was now assigned to my case from the same department. She requested that I change the PIN and security details on my card which I did. I subsequently online transferred all monies out of my checking account to a virtual account with PNC to prevent any further automatic withdrawals and informed them what I had done. At this point, XXXX indicated that she should have thought to have asked me to do that before and she subsequently placed a hold on my account. I informed her that I had several bill pays due during the month at which point she stated that I should inform her when I wanted the hold removed temporarily. Despite the hold on my account, on XX/XX/XXXX, the checks continued to draw out monies from my account, which I continued to receive email notifications about. I screenshot the emails and emailed XXXX with the information and called her to receive an update on the investigation. I left a voice message without response. On XX/XX/XXXX, I called PNC to receive an update and was informed by a representative that PNC had decided to close my account and relationship with me based on the volume of checks being drawn off my account. They informed me that it would be closed on XX/XX/XXXX. I responded to ask why I was being penalized for fraudulent activity that I had no responsibility in and XXXX indicated that it was PNC bank prerogative. She further informed me that while they would refund me the returned check fees, they would not refund the total amount of $ 3200+ drawn off my account by the bogus fraudulent checks. On XX/XX/XXXX, I requested a statement summary of my checking account which she informed me she would mail to my address. She then informed me that PNC was terminating their relationship with me on XX/XX/XXXX and that a certified check for my remaining balance would be mailed out. Again, no recovery of the withdrawn funds has occurred and no information of their investigation was provided.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

Sensitive information compromised in Equifax hack.
Complaint sub-issue: Information belongs to someone else

I was able to verify to XXXX that i was XXXX during the dates that accounts were opened. And they removed them from my report. Equifax will not let me log in to direct dispute the accounts in collection. Im assuming this is because of the identity theft.
Complaint sub-issue: Attempted to collect wrong amount

This debt collector represents an inactive debt and is duplicate reporting.
Complaint sub-issue: Other problem getting your report or credit score

I am unable to receive a paper copy in the mail from the major 3 reporting agencies i.e. Equifax, XXXX XXXX and XXXX. I submitted the XXXX XXXX XXXXt request form and I received a written letter via USPS, indicating that they could not verify my Identity. In addition, I enclosed a copy of my 1. ) Michigan Drivers License, 2. ) SSI card, 3. ) Voters registration card, 4. ) Current Passport. Along with the denial letter highlighting the items that was requested. I also attached a copy of my online credit report from the agency itself, but the issue was that the report was out of date and I needed a new report. I also enclosed a copy of a credit denial letter. I submitted this request multiple times to no avail and the very last request went unanswered. This request of my credit report has become straining, thus I can not move forward in my attempt at restoring my credit and disputing Third Party debt collectors. Please be advised that I have received my credit report via USPS in the past from all 3 Credit Bureaus. Please advise.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXXs Account # XXXX XXXX XXXX Account # XXXX First XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Account information incorrect

Recently I looked at a copy of my credit report and noticed some incorrect information. Currently XXXX XXXX company is reporting wrong and inaccurate information in which I want to be removed from my credit report. I feel that this account is adversely affecting my credit report and would like to get this checked out. As of now on my XXXX  report XXXX is showing an incorrect last payment date of XX/XX/2019 when XXXX  is showing the date of XX/XX/2019. XXXX  is also showing a balance while XXXX  is not which of course means that the information reporting is inaccurate and needs to be removed from each credit bureau. If in fact upon your investigation you see that my statement is accurate I would like to get the account removed from my report. 


I also want to file a complaint against Nelnet Inc in regards to my student loans. They are reporting late payments to the credit bureaus when in fact all of my student loans are being deferred. I too also would like to late payments to be removed from each credit report as they are also reporting false information.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX  has improperly reported a negative item on my credit report. Acct # XXXX is being improperly reported. I DO NOT OWE THIS DEBT. I sent them a certified letter which was signed on XX/XX/22 demanding that they validate the debt and investigate the debt and send me proof that this is my debt. They failed to do so I attached the letter that they mailed back to me which was their validation letter which showed me NO signed contract and no signature from me showing them an obligation to pay them. I sent the letter demanding validation as per the FCRA giving them the 30 day timeframe to validate the debt in which they failed to do so. Attached is correspondence between myself and XXXX XXXX about the erroneous account on my credit report in question. I WANT THE ACCOUNT DELETED. THE TIME FOR THEM TO UPDATE THEIR INACCURACIES HAS PAST.
Complaint sub-issue: Old information reappears or never goes away

In XX/XX/XXXX I received communication regarding a settlement with the Creditor ( XXXX ) that stated between XX/XX/XXXX and XX/XX/XXXX the company violated consumer protection laws by making auto loans accessible to borrowers who were likely to default on those loans and due to this settlement XXXX is required to forgive the remaining balance on my loan and also required for the loan to be removed from my credit reports. I have sent in multiple communications with little to no response from the company. They previously advised this should be removed but nothing has been done.
Complaint sub-issue: Deposits and withdrawals

They are closing my pnc account due to unauthorized access to my account
Complaint sub-issue: Reporting company used your report improperly

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

15 U.S.C 1681 section 602A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer agency can not furnish an account without my written instructions
Complaint sub-issue: Account information incorrect

I have a credit card with XXXX XXXX XXXX XXXX. I have always made my payments on time. I recently decided to look at my credit report to see my fico scores, and then I realized that there was a late payment showing on my credit report. As you can see, I have always had a stellar payment record with XXXX. I tried contacting both XXXX, Equifax, XXXX, and XXXX with no successful resolution. XXXX, Equifax, and XXXX are reporting me 30 days late. This is definitely an error on their part. I was never 30 days late.
Complaint sub-issue: Frequent or repeated calls

They call at least once a week, every week and will not stop. They change phone numbers also. It isn't always the same number. They leave an automated message saying that they just want to talk to me.
Complaint sub-issue: Debt was paid

Phone Harassment at work robo calls for  XXXX  energy debt that was paid in full  XXXX / XXXX /  XXXX  .     I provided proof and then they sent to collections throug h Alliance One Inc.
Complaint sub-issue: Public record information inaccurate

I disputed 2 public records that were appearing on my XXXX  credit report. My repeated disputes have gone unresolved since XXXX of this year. I am now requesting further assistance from an outside source. I am requesting to have two public records immediately removed from credit file. XXXX  originally deleted the two public records on XX/XX/19 from my credit file. However on XX/XX/19, both public records were reinserted without the proper legal notice being mailed to me. Per FCRA Section 611, if any information has been deleted from a consumers file is reinserted, a consumer reporting agency shall notify the consumer in writing not later than 5 business days after the reinsertion that the information was reinserted. I was not indicated via mail nor electronic delivery that the two public records were reinserted. I have been disputing this information every 30 days since XXXX and I have gotten no where. In fact I have spoke to several XXXX  dispute resolution specialists, who each give significantly different responses pertaining to the investigation. I feel as if the consumer reporting agency, XXXX  is purposely not removing incorrect information. This is discrimination and illegal.This is causing significant damage to my credit file and my ability to obtain credit. I am requesting to have both bankruptcies, chapter XXXX and XXXX removed, in addition to all accounts that are associated with the bankruptcies, to be removed. My reason to dispute this is that all the information appearing on my credit file pertaining to the public records is false. The address to the court house in XXXX XXXX of TN is incorrect, the case number is not a valid case number and XXXX sent fraudulent investigation results via mail stating they verified via directly with Court, who sent a response denying such. I contacted the XXXX County XXXX XXXX here in XXXX, TN who indicating that the bankruptcy court can not report any information to the credit bureaus as it is illegal. Thus, I can not believe any information that XXXX sends as a part of my re investigations, because they have used illegal practices. Please require XXXX to remove the bankruptcies immediately.
Complaint sub-issue: Can't temporarily postpone payments

I Was working and going to school things got tough had to move and end school didnt want to end school but had to due to financially problems did n't have enough money to pay off my loan and still is looking for work until this day.
Complaint sub-issue: Was not notified of investigation status or results

Ive sent dispute letters to equifax credit bureau to investigate derogatory remarks on profile XX/XX/XXXX. They recieved dispute letters XX/XX/XXXX. They have yet to send me a status update or notification through mail. It is now 45 days
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

1. Date I paid {$1500.00} was XXXX and my credit limit was XXXX 2. Date they lowered my credit limit was XX/XX/XXXX 3. XX/XX/XXXX is the day I was told they would refund me XXXX 4. XX/XX/XXXX letter that notifies me they refunded XXXX not XXXX In XXXX of XXXX an interesting set of facts occurred. 
I had an active Citi Card Double Points credit card account with a XXXX available balance. I have been a good and reliable customer with CITI and made my payments regularly. I have not always paid on the due date but I have not gone over 30 days late within the past several years. 

I mistakenly paid XXXX on XX/XX/XXXX, I meant to pay {$150.00} and somehow missed that I added an extra zero. 
ON the XXXX, CITI lowered my credit line. 
On the XXXX I realized I had made a mistake and asked for a refund of XXXX. I was told by a representative of Citi that they would refund the XXXX. Sometime after the XXXX I received a written letter from CITI dated the XXXX, explaining they had refunded only XXXX, and that since they lowered my credit line to XXXX, they could not refund the remaining {$740.00} because it would exceed my credit line. I find this to be very onerous since the original payment occurred on the XXXX and at that time I had a credit line of XXXX. First, why would they lower my credit line after receiving the XXXX payment. That seems to be an odd reaction. Why can't they refund the portion I overpaid in error. Well, they can they just will not. Can you help me?