Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Other problem getting your report or credit score

I have been in an ongoing back and forth battle with Equifax. I have had two open actively reporting accounts that report to all three credit bureaus. A car loan and a credit card. I have already made sure they report to Equifax and even had the companies send Equifax a letter telling them I have made all my payments on time and that it should be getting reported. I have been told 8 times to send in personal information to verify my account ( no exaggeration ) because they say they need to verify my identity. I have mailed and faxed and each time it does nothing. The last time I was in contact with Equifax the customer service representative informed me that they have no record of my accounts reporting and I told them that they are and that they sent over a letter/document showing proof. They are no help and this has been going on for over a year. This is affecting my life and can not get my loan for college or purchase a home due to not having Equifax credit. I have no other problems with the other two bureaus.
Complaint sub-issue: Debt is not yours

XXXX XXXX XXXX currently shows a {$370.00} collection for XXXX XXXX XXXX on my Equifax credit report, which I disputed repeatedly WITH EVIDENCE to no avail. Equifax refuses to remove this falsely reported debt, which I do not owe because my former Employer XXXX is responsible for this medical debt, see email confirming this by XXXX HR. 

Heres what happened. 

InXX/XX/XXXX, I worked at XXXX but was let go as of XX/XX/2018, and according to our separation agreement ( see email copy from HR ), my health insurance with XXXX was valid through XX/XX/2018. When I went to XXXX XXXX XXXX with XXXX XXXX, the front desk staff CONFIRMED that my health insurance was active and valid. Then, they sent me a {$370.00} bill. I contacted XXXX XXXX XXXX repeatedly. They said my employer would have to contact them. 

I contacted my employer XXXX ( see attached ) who confirmed my insurance had to be valid and active through XX/XX/2018. See attached emails. 

However, my former employer dissolved business, the HR person was no longer there, the CEO moved to another state with another company, and no matter where I emailed, nothing was emailed back. Phone was disconnected and so was the physical address. See attached emails. 

The {$370.00} is not the debt I owe for my XXXX XXXX XXXX  visit because as you can see from the attached proof, XXXX was responsible for paying it, not me. This must be removed immediately from my credit report. This is false reporting and violates my FCRA rights. Ive attempted multiple times to resolve it directly with the company to no avail. See my credit report copy from TODAY : this falsely reported collection still shows on my Equifax credit report and must be removed.
Complaint sub-issue: Information belongs to someone else

I have 4 different accounts reporting to my credit reports. XXXX XXXX for {$12000.00}, and XXXX XXXX for {$16000.00}. XXXX XXXX for {$57000.00}. And XXXX XXXX acceptance for {$12000.00}. These are not my accounts. They were opened Fraudulently.
Complaint sub-issue: Received bad information about your loan

On Monday XX/XX/XXXX, I received a letter in the mail from American Education Services regarding a delinquent private student loan debt. I created an account online to view further information on Wednesday XX/XX/XXXX to view more account information, as I have never received any information about this loan prior to XX/XX/XXXX. I called American Education Services and spoke to a representative named XXXX. XXXX kept referring to the lender, and I had to ask him who the lender was, as I was never informed. Apparently the lender is XXXX XXXX, formerly XXXX XXXX XXXX, who had issued me a private student loan of {$36000.00} in XXXX, and had never billed me or sent information regarding repayment of my student loan. After telling me that I have absolutely no options to rehabilitate the loan except to pay {$41000.00} in late payments and that the loan is currently in process of defaulting, I asked XXXX why AES or XXXX has never sent me any billing statements or notices regarding my debt prior to this letter received on XX/XX/XXXX. He looked into my account information and verbally agreed that neither AES nor XXXX XXXX has ever sent me or the endorser any kind of billing statements. XXXX offered to submit a lender review, but told me theres no guarantee XXXX will do anything about it. I attempted to find legitimate contact information for XXXX XXXX XXXX XXXX, and the website XXXX XXXX XXXXXXXX doesnt exist, and when I attempted to call their telephone number listed as ( XXXX ) XXXX, it only gives a busy signal. I am absolutely sickened and enraged by this, and am completely convinced this was a purposeful scam of behalf of both XXXX XXXX and/or American Education Services XXXX
Complaint sub-issue: Information belongs to someone else

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Equifax, XXXX, XXXX To all three credit agencies Please accept this letter as a written request to perform an internal dispute along as an affidavit with the following account information of fraudulent items appearing on my credit report. To prevent any confusion, i have listed the items and the account numbers below. 
Account # 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4.  XXXX XXXX XXXX 5. 
INQUIRIES : attachment of pictures on the fraudulent inquiries as well. 
Explanation. I am requesting that the following account be removed immediately from my credit report. Im seeking further legal advise in addition to working with police investigators to locate the individual or individuals who is responsible for fraudulently establishing this account without my permission or authorization. Ive tried to work with your credit reporting agency as well as the credit grantor to have this account removed from my credit report. If i am unsuccessful with this attempt i will be forced to file a suit in federal court naming your credit reporting agency, the above creditor, collection agencies, and the acceptor of this letter as defendant. It is my understanding that per The Fair Credit Reporting Act this requesting must be given attention and completed in 72 hrs of your receipt, thank you for your prompt attention to this matter. 

Sincerely XXXX XXXX XXXX
Complaint sub-issue: Card opened as result of identity theft or fraud

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Account with {$500.00} limit and a {$10.00} charge with this company was alerted to me via my credit reporting apps on XX/XX/2021 in my name. The phone number does not work so I had to send a letter through identitytheft.gov Just waiting on a response.
Complaint sub-issue: Was not notified of investigation status or results

I feel these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year.. I need this problem fixed asap i will not wait another 45 days to receive no response because clearly yall disregarding me. I still haven't heard back from XXXX, XXXX, and Equifax.
Complaint sub-issue: Company closed your account

I had applied for the commerce bank charity charge credit card on XX/XX/2020 as I have an alert on my credit report a representative from commerce bank called me to verify my identity on XX/XX/2020 asked me identifying information from my credit report to verify me I answered all answers correctly and and the woman had said I was approved for the card with a XXXX limit and my card would be sent out and arrive within 10 business days. On XX/XX/XXXX I receive a letter from commerce bank bankcard verification department thats dated XX/XX/2020 asking me for drivers license and something with my address I faxed that in and spoke to someone who states my account would be reviewed within 3 days so XX/XX/XXXX I called to check the status and got a voicemail for that department no live person again today XX/XX/XXXX I spoke to the security department and was advised to speak to bankcard verification and was also told they would email that department for me as well needless to say I have left voicemails and nobody getting back to me today on XX/XX/XXXX I called in and was told my account was closed and still nobody has yet to contact me after leaving voicemails this is a horrible business practice open and approve an account and while the card is being mailed out to you they close the account that not only hurts my credit score it looks bad on my credit report as well as it will show closed by credit grantor I have excellent credit and I dont want this effecting my credit I would like to have this card reopened as I took a hard inquiry hit on my credit file and there is no reasoning behind this decision thank you
Complaint sub-issue: Overcharged for something you did purchase with the card

I purchased a sofa from XXXX on XX/XX/17. They charged my credit card for a deposit and also made a pending charge for the balance which is not due until the sofa is delivered. They create pending charges for the balance every 10 days so that there are multiple pending charges against my credit line. CitiBank keeps pending charges on file for 30 days. XXXX  is under the assumption that the pending charge falls off after a few days. I have asked for XXXX and CitiBank to delete the multiple charges and they refuse. While I do have sufficient credit available to me for my purposes, others may not. I can see that some cardholders may be inconvenienced or hurt by this practice. They give priority to the merchant who continually places multiple pending charges on the card rather than the consumer whose available credit has been reduced.
Complaint sub-issue: Information is missing that should be on the report

XXXX XXXX XXXX stores XX/XX/2018 Fraud/ scammed my Credit Card from Citi bank XXXX I immediately reported this to Citi at first and received no help. I reported constantly & called Citi to no end and no one was willing to help passing me on to other phone numbers etc. I contacted XXXX Police dept, NJ Office of Attorney Generals office XXXX XXXX : XXXX XXXX XXXX file number XXXX. XXXX on XX/XX/2018. They used my card and never provided product XXXX XXXX XXXX XXXX XXXX was one of the leaders at XXXX XXXX
Complaint sub-issue: Can't use card to make purchases

On XX/XX/XXXX Citi issued a letter on both my accounts informing me they had lowered the credit limit on both my cards stating the was due to information from credit reporting agencies. The limits were lowered to just above the balances owed. Naturally, this reflected negatively to the credit reporting agencies. I had never missed a payment and always paid more than the minimum payment. I had done nothing wrong accept take advantage of their COVID relief offer. I paid off one card and paid nearly {$3000.00} on my Citi Costco card. XX/XX/XXXX Citi received {$4000.00} on my Citi Costco card. Citi rewarded me by lowering my credit limit again, thus reporting it negatively again. Citi called me twice on XX/XX/XXXX requesting I call them back. I was given two call back numbers, never of which allowed me a connection to Citi. I called the customer service line, was transferred several times, finally reached the right party, named XXXX. She literally had nothing to say. Complete silence. I was well aware there was nothing she could do to resolve the situation as Citi closed my husband 's account a few months earlier for simply not using his card. I assume they intend to close my account, too. 

Citi is ruining my credit rating. I have an excellent payment record even though the pandemic had caused a very minor issue. Citi is not reporting accurate information, therefore, causing my score to drop. This affects the interest rates I am eligible for. That equates to thousands of dollars. I would like to open a class action suit as I know I am not the only one.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX XXXX account # XXXX has violated my rights. 

15 USC 1681 Section 602 stated I have the right to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as law for any purpose.
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 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 an account without my written instructions XXXX XXXX XXXX XXXX {$1100.00}, XXXX XXXX {$9400.00}, XXXX XXXX {$10000.00}, Department of Education {$5300.00}, XXXX XXXX XXXX XXXX {$270.00}, XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX  XXXX {$640.00}
Complaint sub-issue: Didn't receive terms that were advertised

When I was using my online banking at usbank.com, I saw a targeted offer saying that " Redeem your checking offer ''. When I clicked the offer, I saw the offer says " Earn up to {$500.00} when you open a new eligible U.S. Bank checking account and complete required activities. '' ( Attachment XXXX ). So I went ahead to apply and was approved for the checking account. ( Attachment 2 ). I finished the {$500.00} offer requirement " recurring direct deposits of two or more that total more than {$5000.00} '' and did not receive the bonus. After several conversations with XXXX from US bank customer service, I was told that my account isnt illegible for the promotions " due to having a prior account within 24 months of account opening and receiving bonus within 24 months of account opening ''. I replied to XXXX saying that " I was targeted this {$500.00} offer from US bank in my online banking, and I was not aware of the 24 months requirement. I clicked the offer, the offer code was prefilled, and my account was opened as usual, without any kind of warning saying that I could not get the offer. If I was warned in any way or my application was just rejected, I would not try to complete the requirements. Now the requirements have been completed for a while, and I would request the offer to be honored. '' The reply I got from XXXX saying " while I truly wish I could say otherwise bonus are done systematically so, we dont have a way to override the system, and apply the bonus ... ''
Complaint sub-issue: Account status incorrect

These accounts have been consolidated in XX/XX/XXXX. At no time was I contacted in writing by Texas XXXX XXXX XXXX XXXX about my multiple accounts being delinquent or sent to collections. Texas is currently reporting this as a collection account. This is not only inaccurate, but it is placing my military clearance in jeopardy. 

XXXX XXXX XXXX is reporting multiple accounts as XXXX days past due, all having a zero balance, and all in excess of XXXX years old. At no time, have I ever had any written correspondence from XXXX XXXX XXXX indicating I had past due loans. I did not even know I had loans with XXXX XXXX XXXX. 

XXXX XXXX is also reporting that I had student loan accounts with them in excess of XXXX days past due, many of which are greater than XXXX years old. At no time did I ever had any written correspondence from XXXX XXXX indicating I had past due loans. 

Another student loan creditor, XXXX/XXXX XXXX XXXX, is also reporting multiple loans as XXXX days past due and these loans are older than XXXX years. 

The United States Department of Education/XXXXt is also reporting XXXX old student loan accounts as payment after charge off/collection. Most of those loans, if not all, are in excess of XXXX years old.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have some complaints with Equifax. First the 10 hard inquiries that just killed my credit report, XXXX XX/XX/XXXX was not authorized by me. XXXX XXXX XX/XX/XXXX told my that it was a soft pull.. So that wasn't authorized by me. XXXX  XXXX XXXX  XXXX, XX/XX/XXXX told me that it was a soft pull, so it wasn't authorized my me. XXXX XXXX  XXXX committed a act of fraud I think, on XXXX XXXX XXXX I purchased a XXXX XXXX XXXX I told them that I wanted too be finance through XXXX and if that couldn't happened I wold go too another dealership that does in-house financing and if they had too run my credit just run it with XXXX, that is it, that is all. But everybody just want a sell and will lie too get it..!! And this is where I feel this maybe fraud because on XX/XX/XXXX I purchased the XXXX XXXX XXXX but XX/XX/XXXX XXXX XXXX XXXX ran my credit again..!! Without my authorization I wasn't buying another car so why would they run my credit again without my authorization, could somebody explain this too me like I'm a XXXX year old..?? ( Why did they run my credit again without my written consent.? ) I didn't authorization a credit application with XXXX XXXX XXXX  on XX/XX/XXXX - XXXX XXXX XXXX on XX/XX/XXXX - XXXX XXXX XXXX on XX/XX/XXXX - XXXX XXXX   Card on XX/XX/XXXX they told me that it would be a soft pull.. A Soft Pull.! A XXXX  XXXX on XX/XX/XXXX, I have a XXXX Checking and Saving a XXXX and a Platinum card I'm betting my head against the wall crying too get these Inquiries erase - deleted with-prejudice for good if the website didn't say that XXXX  XXXX didn't do a soft pull I wouldn't have done it. Equifax are not showing my XXXX and my Platinum credit card accounts 85 % of my credit report on Equifax is so incorrect and I'm disputing everything under the Covid-19 Bill.
Complaint sub-issue: Trouble with how payments are handled

I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : 30 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
Complaint sub-issue: Frequent or repeated calls

Calls more than 6 times a day. I answered twice and let her know I was aware of what I owe. Please stop calling and then I hung up but they continue to call ( all day long XXXX to XXXX several times ).
Complaint sub-issue: Account status incorrect

XXXX XXXXXXXX is inaccurately reporting derogatory status to the credit bureaus. On my Equifax and XXXX XXXX  reports they are reporting 30 day late payments on XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX. To XXXX  they are only reporting 30 days late on XX/XX/XXXX. Pursuant to FCRA 623 ( a ) ( 8 ) ( D ), a creditor is to accurately report to all 3 credit bureaus. XXXX XXXX has failed to do so
Complaint sub-issue: Account information incorrect

I submitted a dispute with Equifax, XXXX and XXXX reporting the total amount of credit available is wrong. I showed them the actual available amounts as listed with each company I have credit with and they refuse to change my information. 

I sent Equifax a letter and asked for an explanation two months ago and the never responded with anything I could understand in simple english. ( I did receive a thick envelope with all kinds of " legalese '' but it was just a form letter and did not address my issue ( s ).
Complaint sub-issue: Debt was result of identity theft

on or around XX/XX/2017 I started receiving notices from this company XXXX XXXX stating that I had purchased a dog from them for over XXXX dollars at that time I became furious because i had not applied for credit and i have a fraud alert added to my report so before credit was issued they were to contact me. I requested paperwork from the company in regards to the dog all they could provide was a pre printed contract without my signature, I also filed identity theft in regards to this. This company has been very nasty to me and not providing much help. They have been contacted several times by my attorney in reference to this. I was also advised to file and XXXX complaint for crimes that take place over the internet.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I noticed an inquiry on my credit report from XXXX. I do not recognize that company. I notified Equifax and XXXX about the unauthorized inquiry and was told do another dispute. I have disputed this matter before with no avail. 

This should not be furnished on my report as it is in Violation!! Under, 15 U.S. Code1681c-2 a consumer reporting agency shall block the reporting of any information any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

These inquiry should not be furnished on my consumer report as they are in VIOLATION! Under,15 U.S Code 1681b - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items immediately.
Complaint sub-issue: Debt was result of identity theft

On XX/XX/2021 ERC has reported negatively on my credit report causing damage. This item doesn't belong to me. And a clear result of identity theft.
Complaint sub-issue: Account status incorrect

Filed a complaint last year. This is the 6th complaint regarding the same issue. The Division of child support keeps closing then reopening my case when its been closed for several years. The statue of limitations has passed since the account has been reported to be opened since 2001. Equifax has remreapoved and deleted it 4 times, yret it keeps reappearing with inaccurate information that seems to change each time I dispute it. It was removed and deleted in XXXX of this year. I filed another dispute this week since it reappeared back on my report. The number that's listed for me to call is not listed.I called a 1800 number that's a call center, so now I'm filing a complaint since this is transpiring too often. I tried uploading documents through Equifax it would not allow it as well
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the fair credit reporting act XXXX XXXX Mortgage XXXX XX/XX/XXXX XXXX XXXX XXXX Credit Bureau XXXX XX/XX/XXXX XXXX XXXX XXXX Mortgage Companies - Finance XX/XX/XXXX have all 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Was not notified of investigation status or results

Recently I was sent a letter saying that my debt was validated. Which I find to be outrageous simply because the debt is not my debt. I respectfully request to be provided proof of this alleged item, specifically the contract, note, or other instrument bearing my signature. Providing anything less than this is a violation! Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.