Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive notice of right to dispute

Amerifinancial Solutions at XXXX XXXX XXXX, XXXX, MD XXXX has been sending me collection notices in the total amount of {$670.00}. The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Complaint sub-issue: Problem with fraud alerts

I was a victim of ID theft 3 times in past year and requested and submitted all the info to have a security freeze and fraud alert placed on my credit bureau accounts. Equifax sent my credit report and all my security freeze info to an address that was not even mine. So now my info is in the wrong hands again. I spoke with XXXX people from Equifax over an hour and half and they told me that it was my fault for not reporting the correct address. All of the documents submitted had my correct address. They will not provide me with a new PIN number, and I have left 2 messages with the corporate office and received no call back.
Complaint sub-issue: Information belongs to someone else

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNTS IN MY NAME : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2300.00} ACCT. # XXXX XXXX  # XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$3400.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$520.00XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$220.00} XXXX XXXX XXXX ( XXXX ) ) XX/XX/XXXX {$320.00} XXXX XX/XX/XXXX {$440.00} XXXX XX/XX/XXXX {$320.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX. at XXXX XXXX XXXX, XXXX PA XXXX ( XXXX ) XXXX obtained my credit report from XXXX XXXX at XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX on X/XX/2017. This inquire for credit purposes was then released to other credit report agencies which is illegal. Additionally, I do not remember ever applying for a loan with XXXX XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

Equifax is refusing to take off a account that does not belong to me.. I have disputed this many times and I have not gotten anywhere with them.. 
XXXX and XXXX  has already removed the account from my credit report. 
But Equifax has refused to. 
they keep telling me that the company involved said that the information is correct.. I can't see how this is possible because the others have already removed it.. 
Back in XX/XX/2017 I went to court for a car that was put in my name without my permission, didn't know I was listed as a Co buyer until I was served with court papers saying I was being sued By XXXX XXXX. 
I went to court and explained to the judge that I never agreed or signed anything say I would be a co buyer for any vehicle and the signature is not mine.. The judge dismissed the case against me without prejudice.. I sent this information to all three Credit agencies. 
Yet Equifax has not removed it ...
Complaint sub-issue: Information belongs to someone else

I'm demanding that the following closed accounts be removed from my credit report, ( 1 ) XXXX XXXX XXXX   Credit Card, this is an unknown authorized user inwhich I have no knowledge of. 
Also please remove this closed account ( 2 ) XXXX XXXX Credit Card -- closed
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Clarity Services Inc has XXXX payday loans on my credit file with XXXX  as they stated in a letter there XXXX now or the same company. I have not applied for no on line loan with XXXX or any other on line company or any pay day loan. XXXX On line holdings is no more than fraud. I have file an complaint with the US attorney office as the justice department on XXXX  & Clarity Services Inc for and by I'm on OPT out and XXXX  is using a another company to use deception with merges etc.
Complaint sub-issue: Their investigation did not fix an error on your report

After filing a complaint yesterday against equifax for not resolving a dispute that was inaccurately filed .. equifax responded and still said that XXXX XXXX balance was XXXX and its actually XXXX. How do things as important as someones credit get unresolved. Not only were the other disputes not resolved but XXXX XXXX still shows alarms balance.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, 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 : Also states a consumer reporting agency can not furnish an account without written instruction or consent.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My XXXX Credit report contains an unauthorized inquiry from Discover Home Loans, XX/XX/2022. I have been a victim of Identity theft, this has been reported to XXXX and this needs to be taken off my credit report. I have called XXXX to dispute this and i am also reaching out to the consumer financial bureau.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I have been inundated with calls from a number I didnt recognize recently. Today I answered, and - after a long silence - the caller identified as AFNI - trying to collect a debt on behalf of XXXX from XXXX. I was pressured into making a payment or a payment arrangement, and when I attempted to ask questions I was refused answers and told that I would be reported to a credit bureau if I did not pay immediately. All I asked was for the opportunity to review my own records to confirm the timelines being claimed by AFNI and XXXX, as it has been over a year and I wasnt sure about them. I was again threatened, told that notes were being made that werent accurate, and then forced off the phone.
Complaint sub-issue: Information belongs to someone else

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX  XX/XX/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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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.
Complaint sub-issue: Account information incorrect

EQUIFAX IS SHOWING A BALANCE OWING TO XXXX XXXX WHICH HAS BEEN PAID AND HAS A XXXX BALANCE FOR OVER A YEAR NOW. I HAVE DISPUTED IT WITH EQUIFAX BUT THEY HAVE NOT CORRECTED IT. I DO NOT KNOW IF IT IS EQUIFAX OR XXXX XXXX WHO IS REPORTING IT. THE BALANCE HAS BEEN PAID. YOU WILL SEE ON THE THREE IN ONE REPORT THAT EACH OF THE OTHER BUREAUS REPORT THE XXXX BALANCE BUT EQUIFAX DOES NOT.
Complaint sub-issue: Received bad information about your loan

I have already submitted a complaint regarding the factual issues with how my company has handled my income-based repayment plan. Please reference complaint ID XXXX. I am filing this complaint because I do not believe the original complaint was resolved and there was no continuation option other than to provide feedback which will not go anywhere. Despite the futility, I did submit feedback. 

This complaint will not focus on the facts of the exact nature of the original complaint, rather what was not addressed. The facts under the previous complaint demonstrated that my income of record did not match the advertisement and marketing puposes of the income-based repayment plan. The plans are supposed to move and dovetail with actual income, however, several factors indicate that is not the case. Nelent Inc. representatives even acknowledged that the most recent calculations could not be accurate. 

The allegations in this complaint is similar but is instead focused on the practices of Nelnet IncXXXX in application of the repayment plans.
Complaint sub-issue: Other problem

I have a Citibank card, and on that card, I had a 0 % APR offer on purchases and balance transfers. I have 4 months left on that offer ( exp in XXXX ). I was then offered a flex loan with my Citibank card on available balance and chose an offer with a 10.99 % APR and 48-month terms to payoff ( 48 payments ). I accepted terms and received the loan. This last weekend, I made two payments on my account. One for the non-flex loan 0 % APR balance, and the other to pay the flex loan amount. I then cancelled the second payment for the flex loan, to keep that loan contract valid. I also accepted a second flex loan plan on the amount I freed up by making first payment. Account status should be at that time, 2 flex plans with separate terms and APRs attached, and {$0.00} balance on the APR purchase/transfer portion of my account. Account overview : Once the 0 % APR portion of my credit card balance for the offer, changes at term expiration, it will change to around 20 % APR. Now, after cancelling the 2nd payment, Citibank has allocated my first payment to the flex loan and not the 0 % APR. My account now has a balance with the higher APR rate attached, no original ( first ) 48-month flex plan which says it is paid off, as well as the second flex plan, which I accepted this weekend. My issue is this is a bait-and-switch or misinformation issue. Citibank offers a flex loan with monthly options of payback at 12, 24, 36, 48, 60 months and APR attached, but then treats the loan as a credit card purchase and pays the account based on APR percentage from highest to lowest. I have a regular purchase balance with APR attached, and I have a loan with its own terms, yet they treat these as % based items, and allocate funds accordingly. I request my original flex plan reinstated. I should have 2 flex plans now, equaling almost {$13000.00} with 48-month terms and payment plans attached. I should have no balance on my account associated with purchase or purchase APR. My monthly payments should be {$130.00} and {$200.00} totaling {$340.00} for next 48 months. Please help me get my account back to this state.
Complaint sub-issue: Public record information inaccurate

Lexis Nexis is reporting false inaccurate information to credit bureaus. My report indicates that I have a bankruptcy from 2019. I am requesting Lexis Nexis to validate this information and send me proof of the accurateness of my report. I also want to know who reported this bankruptcy to you. I have reached out to the courts and I was told they DO NOT report to credit bureaus or any other agency for that matter unless asked to do so. If it is not able to be validated it should be dropped as according to The Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Please remove this inaccurate and unverifiable information from my credit file. And please verify this information with the furnisher to be accurate.
Complaint sub-issue: Didn't receive advertised or promotional terms

CITI Bank Shell Fuel Rewards Card I applied because promotional off was XXXX per gallon on my first 5 purchases but I never received that on my first 3 purchases so I stopped using the card. 
I tried to link my original Shell account and that never worked because for some reason every time I try to use the card under my Shell reward account the card wont work. 
Every time I use the card by it self I don't even get the 5-10 cent promised on every use of the card I called many times and I was told many lies but non of them were true because I never received any of the promotions I was offered
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXXXXXX 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.
Complaint sub-issue: Account status

I had a checking account with XXXX XXXX. This resulted in a collection for {$940.00}. Equifax has this listed twice on my file for XXXX, XXXX and XXXX. Once for {$940.00} and once for {$940.00}. There was ONLY ONE ACCOUNT. Showing the balance XXXX dollar higher is obviously an attempt to create more delinquency for me. I disputed this with Equifax and they left this on my file. I am receiving double jeopardy. This is a violation of federal law. I have attached a copy of a check from that account.
Complaint sub-issue: Information belongs to someone else

I recently found out I was a victim of identity theft and contacted Equifax about two collection accounts that are appearing on my credit file. The two accounts are a result of identity theft and I have never opened nor had an account with either company. I contacted the companies to let them be aware but it seems like I was going in circles regarding this very serious matter. They are unwilling to assist me with evidence linking me to the accounts. I have exhausted myself contacting them so I contacted Equifax and asked for an investigation. As of XX/XX/XXXX the information still appears on my credit report. I have sent letters and faxes to equifax asking them to delete/remove the inaccurate information that is ruining my chances of getting loans and buying a house. Could you please remove them and contact Equifax. I would like them removed as soon as possible.
The two collections that are 100 % fraud as a result of identity theft are : XXXX XXXX Original Creditor : XXXX Balance : {$420.00} Opened : XX/XX/XXXX XXXX XXXX Original Creditor : XXXX Balance : {$150.00} Opened : XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

Fact, XXXX XXXX is willfully in violation of FAIR DEBT COLLECTIONS PRACTICES ACT VIOLATIONS pursuant to 15 U.S.C. 1692a. Fact, XXXX XXXX is willfully in violation of title 15 U.S.C. 1692b ( ( 2 ). Fact, XXXX XXXX is willfully in violation of title 15 U.S.C. 1692b ( ( 5 ). Fact, XXXX XXXX is willfully in violation of title 15 U.S.C. 1692c ( ( a ). Fact, XXXX XXXX is willfully in violation of title 15 U.S.C. 1692c ( ( b ). Fact, XXXX XXXX is willfully in violation of title 15 U.S.C. 1692d ( ( 2 ). Fact, XXXX XXXX is willfully in violation of title 15 U.S.C. 1692d ( ( 5 ). Fact, XXXX XXXX is willfully in violation of title 15 U.S.C. 1692e ( 2 ). Fact, XXXX XXXX is willfully in violation of 15 U.S.C. 1692e ( ( 12 ). Fact, XXXX XXXX is willfully in violation of title 15 U.S.C. 1692j ( ( a ). Fact, XXXX XXXX is willfully in violation of title 15 U.S.C. 1692j ( ( b ).
Complaint sub-issue: Can't use card to make purchases

I am currently driving on bald tires and with the holiday, funds are tight so I applied for the Goodyear credit card through Citibank on XX/XX/22. I was notified of immediate approval and a pop up window provided me all the card details necessary to complete the purchase. 

I did not see any fine print regarding any risk of the screen timing out, so I left it up while going through the process of selecting and buying my tires. 

I learned Goodyear is more than double the cost of XXXX XXXX  so when I got to the payment screen on tirerack.com, I realized my card information was closed out and I had no access to complete the purchase. 

I have since called Citibank division associated with Goodyear, established online account and submitted request for assistance through each option to no avail. I can't even access my card details through their secure website. What company does not allow you to view your own card details? 

When I called for assistance, I was clear with the associate on not purchasing my tires through Goodyear itself and why. The response, by phone and email, was to go to a Goodyear store with my ID and complete the purchase, and that I should be able to do the same with XXXX XXXX 

I can't purchase the tires directly at XXXX XXXX  as I will lose the 6 months 0 % APR, ( another condition that makes no sense ) and XXXX XXXX also confirmed, during a phone call, they can not access my Goodyear account information without my giving it to them, that it is a known issue of Goodyear Citibank telling customers they can do this. 

I have to wait until I receive the card in the mail, XXXX business days, not including the holiday impact. This is XXXX XXXX and XXXX to customers is not acceptable. 

As much I want to immediately close the card, I hurt myself more by doing so. However, I want others to be aware of Goodyear and its poor customer service.
Complaint sub-issue: Their investigation did not fix an error on your report

This is now my 3rd time reaching out about an issue. XXXX XXXX is continuing to report inaccurate information. Not for sure why, but my last request said that I wasn't clear in my reply. I'm pretty sure that I was VERY clear as to what the issue was. I will copy and paste that info here : what I sent in on XX/XX/18 : This is my 2nd CFBP complaint against each of the 3 Credit Bureaus about this Company! I sent in one at the beginning of XXXX. They stated that they had closed this out and that it was accurate. However, as you can see from my updated credit report, it is STILL NOT accurate!!! The Date Opened is still incorrect The Date last Active is still incorrect The Past Due amount is stil incorrect The payment history is still incorrect I am asking you to remove this account from my credit report asap. I have been asking them to do this for many months now. Each month they continue to ignore my requests. 

I am now asking you to remove this account. I have been asking for months to have this information report accurately or to remove. I am on the verge of considering seeking counsel for this issue. it's very clear they have no desire to abide by the laws and report this information correctly.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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
Complaint sub-issue: Account information incorrect

I have sent several dispute letters trying to get this issue resolve but Equifax continues to verify the information and still inaccurate affecting the accuracy and integrity of my credit profile. After further review it has been determined that their Metro 2 Format is not up to compliance as required to report under the FCRA and not following the required guidelines by the XXXX XXXX XXXX XXXX. 

1. XXXX XXXX XXXX XXXX Dispute sent XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to Equifax Validation letter sent to XXXX XXXX  for information on this account and they have failed to response Sent on XX/XX/XXXX delivered on XX/XX/XXXX A response was provided on XX/XX/XXXX saying with a summary and saying I must response within 30 days to or they will assume the debt is valid. When it was already being asked for in the first letter sent to them on XX/XX/XXXX. Also got a letter from XXXX and XXXX XXXX XXXX for the same Debt. Which why would two people have this account as a Collection account. 

Have you verified that this company is reporting my full legal name, date of birth and full social security as required in the FCRA and XXXX. 

Account type, account status and portfolio type is inaccurate. Reporting as a credit account which is a violation Deleted this erroneous account immediately Not reporting the original creditor name and creditor classification in the as required under the CDIA K1 segment Field 2 and Field 3 2. BANKRUPTCY XXXX Multiple requests have been sent directly to the third XXXX XXXX XXXX who the credit bureaus state is reporting this account. 

XXXX is unable to provide me with the information that is being reported. 

Letter was also provided directly from the Bankruptcy Court advising that they do not verify information with the credit reporting agencies. So who and where is this information coming from? 

Compliance condition codes Consumer disputes - reinvestigation in progress and has not change for over 30  days which is a clear indication that there that it is unverified This account is unverifiable and must be deleted XXXX. XXXX XXXX Payment history profile is incomplete and missing the actual payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX even after your investigation, therefore the payment rating of 30 days late is unverifiable. Please delete the 30 days late payment on this account immediately
Complaint sub-issue: Information belongs to someone else

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX US DEPT ED XXXX {$2200.00} XXXX ( Original Creditor : 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 DPT EDXXXX - XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX