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

Hello I have for the past 2 years tried to correct a problem with Equifax credit services, they have been reporting me as Deceased and not providing me a credit score. I have sent Certified documents to include birth certificate, drivers license and copy of my social security card to prove I am not dead or deceased.They consistently tell me they have all the documents they see the documents but they have not fixed the problem mentioned above and that it is the lender doing this not them The problem I have is they are reporting all my credit accounts, but not giving me a score on a month to month basis they also have addresses that I do not recognize or have not lived at in over 25 years and I want those removed, I respectfully request your assistance in resolving this problem and that Equifax be fined according to the Federal Trade Commision rules and regulations that govern them, thank you
Complaint sub-issue: Credit inquiries on your report that you don't recognize

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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: Attempted to collect wrong amount

Atg collection agency has re-aged a debt. The original account is set to fall off my credit reports by XXXX. Atg has the removal date as XXXX. They have filed a date of first delinquency as nearly a year later than the actual date. I have filed XXXX disputes with XXXX and each time they falsely verified the information.
Complaint sub-issue: Old information reappears or never goes away

This is a formal complaint regarding the wrongful re-instatement reporting of a collection for XXXX XXXX XXXX initiated by the following 3 agencies Equifax Credit reporting agency XXXX XXXX XXXX XXXX GA XXXX XXXX credit reporting agency XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, WI XXXX This XX/XX/XXXX I discovered ( negative credit item and account number ) had been re-inserted into my credit file. They are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. <P/>XXXX had removed the collection from my Credit Reports on XX/XX/XXXX InXX/XX/XXXX( 2 YEARS LATER ) I was notified by my credit monitoring service that this same collection was re-added to my XXXX and Equifax Credit reports. <P/>I was not notified of the reporting being reinstated over the 2 year period by any party at any time as per the FRCA requirement Cited below :
Complaint sub-issue: Reporting company used your report improperly

My information on Equifax was hacked because they did n't do a good job to protect it.
Complaint sub-issue: Public record information inaccurate

A Georgi a State Tax Lien  (  XXXX   XXXX   XXXX   XXXX   ) is showing on my credit report. Tax Lien is sho wing as filed  XXXX / XXXX /  XXXX  . I do not a delinquent tax/tax lien with the state of Georgia. I am requesting this tax lien be removed from my credit report as soon as possible.
Complaint sub-issue: Collected or attempted to collect exempt funds

initially they had taken funds on days I didn't authorize I then tried to contact someone and it took several days but no one returned my call. I was sent to an answering machine. Days later I contacted a representative and spoke with XXXX XXXX and a gentleman by the name of XXXX. funds were not returned. I then had to speak to my bank. They are now sending harassing threatening debt collection tactics after I canceled the ACH pay from my personal account. They are calling my cell XXXX constantly emailing me at XXXX. I really need them to stop.This is what they sent me. 

-- -- -- -- -- Forwarded message -- -- -- -- -- From : " Loantopia '' XXXX Date : XX/XX/2018 XXXX XXXX Subject : Don't wait - Legal action may be soon To : XXXX Cc : XXXX XXXX XXXX, XXXX, CA XXXX XXXX Notice XXXX Intent to Recover XX/XX/2018 RE : XXXX XXXX XXXX, We have been most patient, but you have failed to respond to previous notices regarding your account with Loantopia, formerly Shoreside Loans.  We now have no alternative but to require immediate payment. Failure to respond may lead to legal action against you. 
Your account is now severely past due with a total outstanding balance of {$3000.00} and is being prepared to be presented to our Legal Department for the recovery of your debt to Loantopia, formerly, Shoreside Loans. This may cause you to incur additional legal costs and fees associated with the recovery of all amounts owed. When approved, Loantopia, formerly Shoreside Loans, may obtain a judgment against you that will be immediately recovered via a wage garnishment order to be executed through your employer, XXXX, at a rate of 25 % of your disposable income until all amounts obtained through the judgment are satisfied. To avoid these actions, we must obtain payment and set proper arrangements to bring your account current through any of our available means of assistance. You may begin this process by contacting an account specialist at XXXX, or you may reply to this email. We appreciate your cooperation and look forward to resolving this matter with you, thank you. 

This is an attempt to collect a debt and any information obtained will be used for that purpose.
Complaint sub-issue: Was not notified of investigation status or results

Equifax has placed two previously deleted accounts back on to my report with no notice of reinsertion as required by fcra law XXXX XXXX  XXXX XXXX XXXX Both accounts were deleted before and I did not receive notice of reinsertion. I would also like to request that Equifax provide me with a copy of the certification of accuracy for each account, as it is my right to do so. If there is no Certification of Accuracy for these accounts. that would indicate a violation is being carried out by the people at Equifax
Complaint sub-issue: Information belongs to someone else

Equifax is showing 1 account in collection that does not belong to me. I have asked 3 times to get it removed but they dont ablige. 
The collection account is from XXXX  reported by XXXX. Equifax has reported back that there is no such account, but its tight there.
Complaint sub-issue: Reporting company used your report improperly

This debt is not mine I dont not have a contract with ( XXXX XXXX XXXX XXXX according to the FCRA THEY ARE VIOLATING MY CONSUMER RIGHTS 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.Also this is a medical bill were as of this XX/XX/2022 any medical thats under XXXX $ or less should be removed from a natural persons consumer report. To also add on this fraudulent account was removed from XXXX along with XXXX so therefore this should also be removed from this Agency do to its inaccurate information 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item or information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item or information, other than records of convictions of crimes which antedates the report by more than seven years.Pursant to 18 USC 8, I owe no debt, This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

[ 1 ] Good morning - I made a total of 3 calls to Equifax to ask questions about the factors they are reporting are adversely affecting my credit. They have 3 factors that are of the same type : proportion of balance to credit limit too high/amount owed on revolving account too high/loan balances too high. <P/>[ 2 ] I am in the pre-qualification/pre-approval process of buying a home. Lenders pulled my credit, and I got the " Notice to Home Loan Applicant '' that states that if I have questions about my credit score or credit information to contact the credit reporting agencies at the number provided. <P/>[ 3 ] The first problem is that the number given does not give you an option to talk to anyone. It is a number to get the report. If you do n't request one, it hangs up on you. I Googled for another number, XXXX, called it before XXXX XXXX but the auto response said to call between XXXX and XXXX ( no time zone info given ). I called at XXXX XXXX and got the same automated outgoing message. <P/>[ 4 ] I was able to find a 3rd number, XXXX and eventually found someone to talk to. I talked to XXXX who gave me examples of when an account is too high that were obvious. If the credit limit is {$1700.00} and I am using {$1600.00}, that is too high. He could not give me specific answer. Is it 50 %? 55 % 5? When do you know it is too high that you report it as too high? <P/>[ 5 ] I asked to speak to his supervisor. I spoke to XXXX, who also gave me obvious examples ( like with my XXXX XXXX account with a {$360.00} balance with a credit limit of {$2500.00} ). When I specifically requested to know what does Equifax consider too high to report it as too high, she repeatedly said Equifax does n't have the criteria to answer that question. She asked me if I wanted XXXX 's phone number, and I said yes. <P/>[ 6 ] The XXXX number she gave me also does n't give me an option to talk to anyone, XXXX.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Ohio, XXXX ( XXXX ) XXXX XX/XX/2023 Dear Equifax, I, XXXX XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amounts ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXXXXXX XXXX  Amount : {$460.00} Account : XXXX XXXX Owed : XXXX XXXX XXXX Amount : {$1000.00} Account : XXXX XXXX Owed : I XXXX XXXX XXXXXXXX Amount : {$180.00} Account : XXXX Party Owed : XXXX XXXX XXXX XXXX Amount : {$520.00} Account : XXXX I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. 

This is my official request to have the aforementioned item to be deleted off my credit report. 
Enclosed may be additional evidence to support my claim.
Complaint sub-issue: Information belongs to someone else

This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Because I am not a customer of Equifax, but forced to utilize their system to survive, I feel that Equifax should be held to a much higher standard than typical consumer services. Since a large portion of the population must use their systems, they have a responsibility above and beyond that of a service for which I voluntarily subscribe.
Complaint sub-issue: Reporting company used your report improperly

As stated on equifax If youre shopping for a new auto or mortgage loan or a new utility provider, the multiple inquiries are generally counted as XXXX inquiry for a given period of time. The period of time may vary depending on the credit scoring model used, but it's typically from XXXX to XXXX days. This allows you to check different lenders and find out the best loan terms for you. 

I have reached out to XXXX, XXXX, and Equifax to have this ran as XXXX inquiry being that is was in the XXXX day time frame. 

On my Equifax report it only shows XXXX inquiry because it was done within the timeframe.
Complaint sub-issue: Debt was paid

The Original creditor, XXXX XXXX XXXX XXXX XXXX XXXX   updated their reporting software and at the time of payment of a separate account, they weren't able to alert me of a payment I had outstanding. On XX/XX/XXXX, I saw that LJ ROSS and ASSOCIATES placed a collection with all three bureaus in the amount of {$400.00}. I thought this was fraudulence due to  XXXX  XXXX not communicating to me that I owed a debt. As soon as I could I settled the debt with the original creditor, XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX for the amount of {$430.00}. 

After paying the debt in full, LJ ROSS and ASSOCIATES is still reporting a collection with all three bureaus. I do not have a balance nor do I have an account with LJ ROSS and  ASSOCIATES. This blemish is keeping my score low and will potentially keep me from attaining my ultimate goal of home ownership.
Complaint sub-issue: Information belongs to someone else

one unfortunate XXXX XXXX XXXX account has been reporting under my credit file for the last two years, i keep telling them this is not mine, i have never had a XXXX XXXX XXXX card, i even received a police report since i had been a victim of ID theft. this is not mine, i need t have equifax which is the only reporting agency reporting, have this removed from my credit file. 
thank you for your cooperation
Complaint sub-issue: Debt is not yours

AMERIFINANCIAL SOLUTIONS has placed a collection on my profile. I have asked for debt validation several times with signed originals. They have not provided it nor removed the negative information
Complaint sub-issue: Account information incorrect

On XXXX I applied with several banks that the dealership was to search for a good interest rate to proceed with the purchase of the vehicle I was going to buy. I finally settle on XXXX XXXXXX/XX/XXXXThe purchase was completed. A few days later I received a letter from XXXX XXXX, advising me that they denied offering a loan to me because of my credit score of XXXX ; research by SageStream LLC. On the same letter included XXXX XXXX of XXXX and XXXX XXXX XXXX XXXX. The denial of loan by XXXX was contrived by them. 
It should be noted I've had a RV vehicle loan for the last XXXX with XXXX. ( never a late payment ) I was using the RV as a trade in for the XXXXXX/XX/XXXX I was purchasing. 
I've filed a dispute with Sagestream LLc as well. The info listed with them is not different from XXXX and XXXX XXXX. 
I personally think XXXX XXXX With SageStream collaborate on with whom to grant loans to. 
The EVIDENCE IS THE DENIAL LETTER SENT TO ME BY XXXX XXXX
Complaint sub-issue: Frequent or repeated calls

Call came from Alliance One. 

Called a XXXX year old girl and then hung up rather than address fact that they were calling a child to collect a debt and would not identify who they were. Only when we did an Internet search did we discover what kind of call. 

When I called back, call routed to voicemail.
Complaint sub-issue: Didn't receive terms that were advertised

I opened a Citi account package includes checking and saving account on XXXX. And the welcome bonus is {$500.00} if you complete one qualifying direct deposit each month for two consecutive months within 60 days of account opening and deposit more than {$15000.00} and keep this amount for at least 60 days. I have successfully met this requirement of this promotion by XX/XX/2020. And I wish to get my bonus crediting my account within 90 days of meeting the requirement. 

However, until today, I haven't received this bonus. And I have contacted the Citi customer service yesterday, they told me it will take another 20 business days to investigate this which is unacceptable!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax I have XXXX inquiries on my consumer credit report. I have attached a screenshot of my Equifax credit report. I did not give permission to these XXXX companies to check my credit nor do I have a credit account with these companies. XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX pulled my credit without permissible purpose. XXXX OF XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SC XXXX pulled my credit without permissible purpose. I AM REQUESTING PROOF FROM EQUIFAX THAT I APPLIED FOR CREDIT WITH THESE XXXX COMPANIES LIST ABOVE ALONG WITH MY SIGNATURE OF APPLICATION. This is a violation of Federal Law & the FAIR CREDIT REPORTING ACT 15 U.S. Code 1681b - Permissible purposes 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 : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.

( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.
Complaint sub-issue: Information belongs to someone else

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Citicards CBNA. The Account Opened is Citicards CBNA Account Number : XXXX Date Opened : XX/XX/2016 Balance : {$6300.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am complaining  regarding some of the hard inquiries on my account I dont recognize some of them I will list them XXXX XXXXXXXX XXXXSharmaXXXX/XXXX XXXXXXXXXXXX XXXXXXXX XXXXI have tried to get these removed but no one is responding to me if u could help that would be great Thank you
Complaint sub-issue: Application denied

I recently just applied for a new Discover Card account on XX/XX/2019. In the previous years I've had two discover card accounts ; Open road ( which is no longer a card ) and Discover IT. in which I closed both cards personally. Their was fraud on the Discover IT card, Discover closed this at my request and also they gave me an interest are of 0.99 % for closing the account and to pay it off. I was NEVER told that this will refrain from me getting a discover card in the future. Every time I apply for a discover card it says as the reason it was declined is - STATUS OF EXISTING / PRIOR DISCOVER CARD ACCOUNT is the whole reasoning. I have talk to so many customer service people at XXXX and XXXX and they stated to me that they can't change anything to get me approved, meanwhile I have perfect credit and had/have excellent payment history with discover and NEVER missed a payment, also I have two ( 2 ) student loans with Discover as well. I feel discriminated. No one at Discover wants to help with this issue and says its the " computer. '' and that they can not change it, ive asked them how long will this take, Discover informed me they are not sure. I ve NEVER heard of anything in my life in regards to this situation. I was offered a lower APR rate to pay off the account, I was never informed of any paperwork and or statements to me that I would not be able to get a discover card.
Complaint sub-issue: Their investigation did not fix an error on your report

There are 4 accounts that are fraudulent on my report. They told me to get the police report and then send that in with proof of my identity. I have sent numerous times this stuff in and now their new excuse is there were payments made and they dont have to block them from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I last spoke with XXXX, in XXXX XXXX XXXX. She refused to follow the FCRA and block these accounts
Complaint sub-issue: Information belongs to someone else

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Citibank NA, Macys XXXX, and XXXX XXXX XXXXXXXX XXXX. The Account Opened is Citibank NA Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5700.00}. The Account Opened is Macys XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$320.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Complaint sub-issue: Attempted to collect wrong amount

I have repeatedly disputed a bill with I.C Systems who is a 3rd party debt collection company for the XXXX XXXX XXXX In my disputes I have requested that they investigate the account because I do not believe that this account is mine services were possibly illegally used by someone else. I.C. Systems is erroneously reporting that I owe {$720.00}. The last date in which I disputed this account was XX/XX/2020. This company refuses to do proper investigations and has completely ignored request for proof and investigations.