Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX 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: Other problem getting your report or credit score

My Equifax credit report shows no accounts. My score changes and I get alerts that accounts are added or removed from my report but the report shows zero accounts, This is preventing me from getting a mortgage, I have sent several letters and made several phone calls to Equifax but they refuse to help me. I have contacted all my creditors and they all say they are reporting to equfax. And like I said I get alerts through credit monitoring that shows accounts being paid, closed, open etc.
Complaint sub-issue: Personal information incorrect

On XXXX XXXX 2017 I called Equifax to have the address on my personal credit report changed since the address that they have on file as my current address is outdated ( I have n't lived there in 2 years ) When I spoke with someone on the phone, they told me I had to upload either a deed, mortgage, lease or current utility bill in order to change it which I did over the phone with the agent. He told me that he received it and verified me over the phone for my protection. He told me that he would be able to change the address to the correct address right away but it would not show up for another 48 hours. On XXXX XXXX I checked my Equifax report AGAIN and it was still showing the old address so I called AGAIN. I was bounced to several departments to end with the " special unit '' department that had authority to change the address. After being on hold for 40 minutes while " she updated my address '' she then hung up on me. I am tired of being bounced around to do a simple address change, I have given them all of the verifying documents that they need and they even confirmed that they received a copy of my recent gas bill with the right address and verified me over the phone several times. I feel like my rights as a consumer are being violated according to the Fair Credit Reporting Act which states that credit bureaus may only report information that is ACCURATE and VERIFIABLE. My OLD address reporting as my CURRENT address is neither one of the above and even with VERIFIABLE proof of my identity and the new address they refuse to change it. This is frustrating and I want it fixed immediately.
Complaint sub-issue: Account information incorrect

My credit for XXXX  and equifax was XXXX on the excellent pinnacle where it belongs on XX/XX/2019. It dropped 10 points on XX/XX/2019 for no reason and then dropped more than 100 points with no explanation on XX/XX/2019. It appears that XXXX made the error affecting the mistakes on my credit reports. XXXX had erroneously put my account into collections while the bill was being disputed. The collection remarks should not be there at all. I took this matter to the NYS Attorney General to finally get XXXX to correct the final bill owed from {$590.00} to {$220.00}. The email from XXXX on XX/XX/2019 confirms XXXX 's mistake. The letter I addressed to both XXXX and the NYS Attorney General explain the mistakes made by XXXX. The balance of. {$220.00} was paid on XX/XX/2019 to XXXX. Please remove the remarks from both XXXX  and Equifax from XXXX. I am a XXXX veteran and I am highly stressed over these mistakes.
Complaint sub-issue: Information is not mine

I had completed return and renew my vehicle in 2013 with XXXX XXXX XXXX XXXX XXXX XXXX XXXX due to XXXX forget to return the XXXX vehicle electronic key to XXXX, so XXXX XXXX XXXX bill me the penalty {$470.00} start from XX/XX/2013! and then I had complain with XXXX and also contact with XXXX financial services so many times for remove the record, but no any action, and then they still transfer the bill to Debt collection company -- --! so please help me to dispute my inaccurate information on my credit report! Thanks!
Complaint sub-issue: Their investigation did not fix an error on your report

In XXXX of 2017 I complained to the big 3 reporting agencies that my balance was shown too high for a prolonged time thus lowering my score. They deleted the card from my file [ not at all what I wanted ]. XXXX and XXXX XXXX began reporting again and reinserted accurate information. Equifax never did. XXXX XXXX  assures me they report as required monthly. I have enclosed a letter from their XXXX XXXX XXXX who phoned Equifax with me yesterday in an effort to have them report my card. We left frustrated once again that they have not corrected the error. In their response to you to close my initial complaint they lied and stated XXXX XXXX is not reporting on my file. To illustrate their incompetence further about 6 weeks ago my knee was bothering me and I had my sister do some grocery shopping for me. To make it easier for her I added her to my card so she would not have to use her own funds. The incompetent Equifax is now showing my card on her credit file but still not mine. I have filed disputes with them on-line, over the phone, in writing via U.S. mail  and thru the CFPB but nothing works. On-line I can not see the remarks since they block me from access since they do not recognize me. I am frustrated beyond belief that they continue this error despite my sending copies of my statements and payment history. I have just been turned down for a refinance on my home due to their low score which dropped over 100 points since according to them I have no credit hjistory. IN truth I have excellent credit history never late, balance always paid in full early before even being billed.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act Account # XXXX XXXX XXXXXXXX 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 602 A. Section. It also states a consumer reporting agency can not furnish a account without my written instruction.
Complaint sub-issue: Trouble using the card to spend money in a store or online

I received a new debit card and was told once I registered and activated the card I would be able to use it.Upon calling customer service I was told I would have to go online to the mobile app.The money on my account is there for a transaction, but I keep getting a " card is declined '' and " high call volume '', and try again later.Today, I got a response saying my card was unable to make these kind of purchases ( getting groceries delivered ) when I did so before previously with no problems.
Complaint sub-issue: Received bad information about your loan

My loan was rehabilitated with XXXX XXXX of XXXX, Texas. The signed agreement with them was that once I completed rehabilitation ( which I did in XX/XX/XXXX of this year ) I would be able to choose between different lenders, and different repayment options, in particular the income-based option. I never heard from anyone. Then just a couple of weeks ago I heard from Pennsylvania Higher Education Assistance Agency that payments were due. I never received any prior communication from PHEAA. They did not mail, email, or phone call me about the loan, different repayment plans or options ( as agreed when I signed up for rehabilitation ) or anything. They did not send me a contract for the new loan. I never signed a contract because, obviously, it was not sent. This amounts to Unfair Lending Practices, as well as Predetory Lending, as the total amount of the loan has gone from around {$120000.00} to {$160000.00} - PHEAA has added {$35000.00} to the loan, which amounts to Inflated Fees and Charges. By not informing me, not sending a contract, not giving me the original agreed upon option, PHEAA has committed Inadequate and False Disclosure. And in taking the loan from XXXX, and adding usurious fees, PHEAA has committed Loan Flipping. The XXXX XXXX XXXX XXXX is also liable. They sold part of my loan to XXXX. They never informed me, XXXX also failed to inform me. I was paying the loan off at the time through the XXXX XXXX XXXX XXXX, but neither informed me that part of it had been sol, and then it went into default. This was a Predatory Loan as well, as it was designed to fail. When I tried to rehabilitate the loan with XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX, twice my papers for rehabilitation and reconsolidation were never completed by them. In roughly four years, my student loan debt has gone from around {$57000.00} to {$160000.00}, due to the above detailed circumstances, and the new policies of the XXXX XXXX XXXX XXXX which favor Predatory Lending and Unfair Lending Practices. I will be seeking others in my situation in the interest of potentially pursuing a Class Action Lawsuit, a process that the PHEAA is more than familiar with, as is the XXXX XXXX XXXX XXXX. I have attempted to the best of my ability for the past four years to keep in touch with the XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX and now PHEAA, all four of which have engaged in sloppy mismanagment of my account, which has allowed the debt to almost triple in size. Note in the attached documents that there is no contract or papers from PHEAA, as I never received any, nor signed any. Their loan, and attempts to collect it, are illegal, for the reasons cited above. However I will repay the loan as I do not want it to go into default. The fact that I am repaying the loan should not be taken as an indication that I agree to the terms : I simply have no other option at the moment, other than letting it go back into default.
Complaint sub-issue: Debt was result of identity theft

I XXXX XXXX was a victim of identity thief and therefore these collections were placed on my credit file fraudulently. Be advised this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you
Complaint sub-issue: Account information incorrect

On XX/XX/XXXX, I wrote to XXXX, XXXX, & equifax requesting an re-investigation into items that I believed were INACCURATE. To Date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

Since this is my THIRD request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 
As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations for credit reporting agencies are regulated by the federal trade commission ( see 15 USC 41 et seq ). I am maintaining careful records of my communication with you on the matter for the purpose of filing a complaint with the FTC should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX, XXXX, XXXX, XXXX ). you will be liable for you willful non-compliance Pursuant to Sec. 809 ( b ) of the Fair Debt Collection Practices Act requires that, the consumer disputes the debt or requests identification of the original creditor in writing and that the collector must cease collection until he verifies the debt and mails a response. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I request to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these account has hurt my ability to obtain credit. Under the FCRA unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I request the following accounts be verified or removed immediately :
Complaint sub-issue: Credit inquiries on your report that you don't recognize

please delete these unauthorized inquiries : 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 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 XXXXXXXX XXXX XXXX XXXX Please delete these inaccurate Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Didn't receive notice of right to dispute

Some company named IC System just reported a {$440.00} collection account on my credit report. Before this account showed up on my report, I was not contacted in any way by IC System. If this was a legitimate collection, they are supposed to contact me first with a 30-day notice of my right to dispute, and give me 30 days to address the item, before they report it on my credit report. However, I was never given that opportunity. This is a violation of my rights under the Fair Credit Reporting Act, as well as the Fair Debt Collection Practices Act.
Complaint sub-issue: Problem lowering your monthly payments

I received a call from XXXX XXXX on moday XX/XX/XXXX like at XXXX where they told me that they were can I consolidate my student loan they even told me that they were going to remove {$190.00} from my bank account for 3 months and approximately {$19.00} or {$20.00} starting on XX/XX/XXXX. For a moment I didn't even think about that that call could be a scam. XXXX XXXX   is the company that lent me my student loan. I feel so stupid for giving them my information
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX, I used my Citi Double Cash card to purchase some HVAC work in my home. The charge was {$860.00}. This was a valid charge ; however, as time moved on, and I went to pay my account for the month, I did not recognize this charge. When I googled the phone number on the charge and the company name that showed up, I could not find anything, so I thought that this charge was false and needed to be disputed. When I disputed the charge, Citi credited me the item on the account while they investigated. Two days after this, the company that completed the HVAC work called me to ask why the charge was being reversed. This was when I realized the charge was legitimate, and I had made a mistake. I told him to give me a week or so, and I would attempt to contact Citi to get the charge placed back through. After literally hours of attempting to get the right person on the phone at Citi, I finally got someone who told me that would be taken care of and the charge would go through. However, several days later, working with the HVAC company, they told me they still never got the {$860.00} from Citi and that I needed to pay again. Therefore, I used another credit card ( XXXX attached below ) to complete the transaction. 

This would all have been fine until I saw that Citi charged me {$860.00} two times on my statement on XX/XX/30 and only one credit ( see Citi Double Cash below ). I called Citi Friday, XX/XX/XXXX, in an attempt to rectify the situation. I was transferred between 3 representatives and on hold half that time, and once I got to the third, I was hung up on. 

At the very least, I should be allowed to dispute the {$860.00} charge that was not refunded. 
But, the Citi app and online access will not allow me to, it directs me to call Citi which I did. I can't afford to spend more time with Citi attempting to resolve this so I expect this to be rectified by Citi through the CFPB to avoid a small claims/legal route.
Complaint sub-issue: Information is missing that should be on the report

In  XXXX    XXXX   I filed a dispute with Equifax because they were missing updated payment status on my   XXXX   XXXX   accts and my  XXXX   XXXX  account. Asked them to update this info correctly and fix my score accordingly. On  XXXX   XXXX    XXXX   I checked status and they removed all of my credit cards from my report completely and dropped my score by  XXXX  points. They also had my deceased mothers depts. added to my report which I requested they remove. Every month they are messing up my report and destroying my credit. I am constantly writing to them to fix this problem. I have been trying to rebuild my credit for a year now and have been doing well with all other agency 's except for them. I do n't know what else to do. When they do fix it, they add  XXXX  pts after they removed  XXXX  for same issue. They are hindering me from being able to get better cards with lower interest rates and from purchasing a new car.
Complaint sub-issue: Debt is not yours

It's the three of them. XXXX XXXX eliminated one of three negative remarks, they refuse to drop that dept that i don't owe, they even still tried to add it but i told them their not owed a dime. 
The other two negative rematleks are for a total of XXXX dollar 's, the two copays i could not afford. At the hospital and they knew i could not even afford medication. I have proof i should not have to pay anything. But collections want XXXX  of dollar 's that i will fight to my last breath.
Complaint sub-issue: Personal information incorrect

I have a Bloomingdale 's credit card, which I used to make a purchase in XX/XX/2020. Typically I pay my card ahead of time, but with the pandemic and lots going on with my family 's health, I innocently forgot to make a payment. No one from Bloomingdale 's or Citibank reached out to me. I didn't even know the card was issued by Citibank until I logged into my Bloomingdale 's account online, realized I had missed 4 months of missed payments and called into their contact center XX/XX/2020. Citibank says I didn't receive a reminder for my payment or any notifications for a past due amount because Citibank still had my old information - which I was unaware of, and wondered why on earth they didn't have my updated information because : Before the pandemic, I had moved and updated all my contact information ( address + phone number ) associated with my Bloomingdale 's account - or so I thought. No one told me that I needed to go one step further and update the info with Citibank. I thought I had taken all the responsible steps necessary. The credit card holder agreement does not spell out that the customer is required to take additional steps to reach out to Citibank and update their information. 

Therefore, all paper statements and outreach went to an old address, and calls went to an old phone number. Citibank claims they sent me statements electrionically, which they did, however, 1 ) the email statement comes from a Bloomingdale 's address which went to a spam folder, and 2 ) this is not notification of a late payment - it is merely sending the statement electronically. If Citibank was reaching out using my old contact information with no success, they should have contacted Bloomingdale 's to see if they had the right info. Furthermore, instead of syncing the information which I responsibly updated in my online account, they have told me that it is my fault that I didn't take the extra step to update Citibank. I wasn't even aware of Citibank - given the site is completely branded Bloomingdale 's. 

I find this misleading and an unfair burden to the consumer because the card is 100 % branded Bloomingdale 's and there is no mention of Citibank on the actual card, service phone number, etc. I was thoroughly confused by their lack of ability to sync customer contact information - and if that is not spelled out in the card holder agreement, how am I supposed to supernaturally know that I need to take the extra step of coordinating with Citi, whose brand is not visible to me in any way through the management of my Bloomingdale 's account. 

This is how these credit card companies keep a strong revenue stream - unfairly charging customers for fees, just because they have " policies '' to do so - without acknowledging their misrepresentation of the company I am actually dealing with, and how to manage my information with it.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX, and Equifax continue to report inaccurate/false information to my credit report and causing me tremendous stress! They are not investigating as per FCRA guidelines!
Complaint sub-issue: Information belongs to someone else

There are currently numerous accounts listed on my credit report that I have no knowledge of which are highly affecting my credit score. This was a result of malpractice or an error.
Complaint sub-issue: Public record

From XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX 1. The credit Bureau will not correct my address I have sent over XXXX letters to have my address corrected and still it has not been done. All I GET IS VERIFIED AND THEY OPEN A FRAUD ALERT JUST TO CHANGE AN ADDRESS. THIS IS NOT THE PROCESS. 
2. I have sent over XXXX letters to all the inquire COMPANIES on my credit report to have them REMOVED and get no reply from the creditors. All I get from the credit bureaus is VERIFIED AND THEY OPEN A FRAUAD ALERT. I have informed the credit bureaus.. I get no reply and they ignore me and open a fraud alert. 
3. By court order the bankruptcy and all accounts in the bankruptcy are to be removed from my report IN the state of VA because the credit companies did not do a good job at investigating the inaccurate info on the bankruptcy and READ them. They opened a fraud alert. 
4. The answers for anything is open a fraud alert not do the work of removing inaccurate info. 
5. This is what needs to be done 6. a. remove all fraud alters 7. b. remove ALL inquires I have not applied for credit DO N'T SAY VERIFIED!!!!!! 
8. c. remove bankruptcy per the order and all accounts in bankruptcy from my credit report 9. Change my address!!!!!!