Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

In my previous dispute with XXXX ( XXXX XXXX credit card account ). I mentioned that I was an authorized user on XXXX XXXX 's account. This account entry was removed from my Equifax and XXXX   reports without either consent and had not been updated on XXXX since XX/XX/2018. In the letter dated, XX/XX/2018, from XXXX, they specifically stated that they would submit a request to the credit reporting agencies, XXXX, Equifax and XXXX to request this account appear on my credit profile. It has been well over 60 days and my reports are not updated. This account has not been added to my XXXX nor Equifax report. This is unacceptable and is poor customer service on behalf of this company. Being that XXXX XXXX ( see attached letter ), with the Executive Response Unit, provided this acknowledgment and is yet to fulfill is very questionable about the practices of this company. This is deceit to the fullest as they have not reported to the bureaus for them to update my profiles accordingly and I am therefore suffering pecuniary consequences. 

Update my credit reports accordingly and immediately as I have been delayed well over 60 days. I would also like a copy of the request this company is sending to the bureaus as proof of receipt that they are indeed advising the bureaus to update, but the bureaus are blatantly not reporting.
Complaint sub-issue: Debt is not yours

To Whom It May Concern, The reason for my dispute is HUNTER WARFIELD INC # XXXX** was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, HUNTER WARFIELD INC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) HUNTER WARFIELD INC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation HUNTER WARFIELD INC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where HUNTER WARFIELD INC is in  compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.HUNTER WARFIELD INC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.After praying not to suffer as a victim much longer so I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2021, I sent in a letter disputing and challenging unauthorized and fraudulent inquiries being reported on my credit report ( see attached ). Via section 609 letter of the Fair Credit Reporting Act ( FCRA ), I requested that Equifax investigate these non-account holding inquiries. In addition, on XX/XX/2021, I sent in a 30 day demand letter ( see attached ). It has been over 30 days from the original letter and I have not received a response. This is a clear violation of consumer laws and the Fair Credit Reporting Act ( FCRA ). I demand that these unauthorized inquiries be immediately removed and deleted from my credit report.
Complaint sub-issue: Attempted to collect wrong amount

The debt is fully paid. I have the receipts to proove it.
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. U.S.C 1681 section 602 A. States I have 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. 

In accordance with the fair credit reporting acXXXX XXXX XXXX XXXX # XXXX Has violated my rights. 15. U.S.C 1681 section 602 A. States I have 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. 


In accordance with the fair credit reporting act XXXX BANK account # XXXX Has violated my rights. 15. U.S.C 1681 section 602 A. States I have 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. 

In accordance with the fair credit reporting act XXXX XXXX account # XXXX Has violated my rights. 15. U.S.C 1681 section 602 A. States I have 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 In accordance with the fair credit reporting act XXXX XXXX XXXXccount # XXXX Has violated my rights. 15. U.S.C 1681 section 602 A. States I have 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: Information belongs to someone else

My identity was stolen in XXXX. I contacted the 3 credit beaureus to place a fraud alert for accounts being opened in my name. I was told any time an application for anything was filled ' that the companies would be required to contact me before opening the account requested. 
On XX/XX/XXXX, XXXX LA ( a self financial company ) opened an account using my information without contacting me to verify my identity. They are refusing to take my call to close the account saying that the request can only be done by email and with a report from the FTC. I completed a report with the FTC, but because their was a typo on my email, I couldnt get access to the report until I waited a certain time and refilled another complaint with them. Equifax is also refusing to remove this account from my credit reporting because I havent been able to get it closed through XXXX LA ( who is still refusing to close the account ).
Complaint sub-issue: Problem with personal statement of dispute

XXXX ,  XXXX  has been removed off my  XXXX  and  XXXX  credit report but it is still on Equifax and I would like for them to remove it off my credit report
Complaint sub-issue: Information belongs to someone else

I've been a victim of identity theft and having a tough time dealing with the issues.
Complaint sub-issue: Information belongs to someone else

XXXX   XXXX   XXXX . is saying that I owe {$250.00} for a hospital bill. I have no outstanding bills with this hospital or  XXXX   XXXX   XXXX . This was not me
Complaint sub-issue: Received bad information about your loan

In XXXX of 2019, I applied to consolidate my six loans through the federal government in order to secure a fixed interest rate on a single loan. After submitting my application, I received a notification that FedLoan Servicing would be sending me new loan information and payment details once they processed my application ; however, this information never came. As the months went by, I would receive billing email notifications from FedLoan Servicing detailing that my payment for the month was " {$0.00}. '' I also received an electronic letter from FedLoan servicing that my loans had been paid in full, which was misleading. During this waiting period, I had called FedLoan Servicing on numerous occasions to inquire about my loan consolidation application status and loan/payment details, to which I received the excuse that my new loan information must have gotten lost in the mail and I was assured that they would resend it. Prior to applying to consolidate my loans, I had been paying {$380.00} a month for six months and had managed to pay off all of my interest on my student loans. While waiting for FedLoan Servicing to provide me with my updated loan information, which ended up being six months, I accrued {$810.00} in interest, which I do not feel I should be responsible for.
Complaint sub-issue: Problem getting my free annual report

Banks tell me I have home morgages open when I have never bought a house.
Complaint sub-issue: Debt is not yours

I.C. SYSTEM, INC put a derogatory mark on my XXXX  credit file. I called them on XX/XX/XXXX the day it posted on XXXX  and they told me I owed XXXX {$190.00} from 2016. I knew I did not because I have 2 accounts with XXXX  from before 2016. XX/XX/XXXX they put a second derogatory mark on my XXXX  credit file for the same {$190.00} for XXXX. XX/XX/XXXX, I called XXXX to verify that I did not owe them anything and they told me that I do not owe them..that my previous accounts with them show a XXXX balance and if I had an account that went into collections it would show on their end that it was written off. 
This collection agency is using excessive tactics to post 2 negative reports on XXXX  for the same {$190.00}. that I do not owe. I asked them for proof that it was my account and they said they could not give me that information.
Complaint sub-issue: Problem getting your free annual credit report

The credit reporting agency equifax will not provide a copy of my credit report. They are indicating that my information is not the same as theirs and this is true. Equifax has a mortgage with several companies asking which company I hold the mortgage with, they also have another question asking how much i pay for said mortgage. I do not have a mortgage and have no mortgage payments so I check none of the above. Equifax also asks a question about a truck with several options asking what bank I bought the truck from as well as the payments again I do not own a truck and checked none of the above. Equifax denied my request for a credit report stating it was not me as the information they have is different than I have indicated. I have made many attempts to get a credit report and fix the error including sending it through the mail and contacting many different people who handle disputes from the company I have been unsuccessful as they still say my information is different than theirs. They have ruined my credit so bad I cant even buy oil to keep my house warm. My daughter died several months ago and I have XXXX grandchildren to try and keep warm I have also had to dispute credit mistakes with the other credit companies but they sent the report and are investigating the disputes. I need to get this corrected asap as I can not get oil or any credit to get my grandchildren out of the house where their mother died. Thankyou XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

Have submitted numerous request via mail and through online portal regarding a collection account from XXXX XXXX XXXX XXXX, it shows no balance on the account and that the account is closed. When contacting the agency they state there is no record of this account. This account does not belong to me and needs to be removed, it does not show on any other report but with equifax. They never respond to my disputes which the last one was sent on XX/XX/18 & XX/XX/18 which a response was never received. Also included on that dispute was XXXX XXXX XXXX, and XXXX XXXX which they refuse to acknowledge my disputes. I have attached the dispute sent.
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : ( item/accounts/information ) 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 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 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 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: Was not notified of investigation status or results

On XX/XX/XXXX, I disputed an account on my credit report ( XXXX XXXX XXXX ) to XXXX, XXXX and Equifax. I did not get a response. I disputed this account on XX/XX/XXXX and still did not get a response. I submitted another dispute letter on XX/XX/XXXX stating the reasons why this account should not be reported on my credit report and to remove it immediately. I still haven't received a response. I also asked for this account to be reinvestigated within 30 days. I still haven't received a response. As of today XX/XX/XXXX, this same account has reappeared on my credit report when it was previous deleted. I have had this happened to me numerous of times with other accounts I have been disputing over the months as well far as renaming the account but still using the same account number for the account that was already removed as well. Please delete this account, ( XXXX XXXX XXXX ) from my credit report immediately and permanently. This account has not been resolved in over 90 days from my very first dispute.
Complaint sub-issue: Their investigation did not fix an error on your report

I have mailed several certified letter disputes requesting XXXX XXXX and lexis Nexis to verify USBK court # XXXX. Each time there response VERIFiED as accurate. I asked for documents and signatures of the original creditors on file that this information is mine and correct. They never provided the information and i advised them to delete the inaccurate information.
Complaint sub-issue: Reporting company used your report improperly

In accordance with XXXX XXXX XXXX Reporting XXXXt Account # XXXX and XXXX has violated my rights 15 U.S.C. 1681 Section 603 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: Problem with customer service

My complaint is about the time it is taking to process my IDR, not getting any replies back as promised, given misinformation, and customer service representative acting as a barrier to getting my problems resolved. I submitted my IDR application on XX/XX/2018, and didn't know to check the {$5.00} hardship payment box. On XX/XX/2018, I received an email advising me that my application had been placed on hold, and that no action was needed from me. After waiting a few weeks for this to resolve, which never happened, I called XXXX XXXX for an explanation. At which time I was told that I had not selected the box to pay the {$5.00} interim payment required for the application to be processed. I have spoken to several representatives with different theories on why my application was placed on hold and not processed accordingly. One rep told me to wait for the {$5.00} billing, and once that was paid, it would trigger processing, and in the meantime placed me on a forbearance. Another rep told me that, one forbearance was in place when another one was processed, and that was the reason for the delay. Once one forbearance drops, the application would be processed correctly. I started receiving a notice to pay, and late notices, which prompted me to call again. This time though, the rep starting telling me that I had to pay the amount billed until I insisted he looked at the notes further. He could not give me an answer for why it has taken so long to process my IDR, at which time I requested to speak to a manager. He told me there was not a manager. I then requested for him to write me a letter stating all that I have been through, to which the answer was no. I demanded to speak to a supervisor and was told there was not any managers or supervisors, but he could transfer me to someone else who was just going to tell me the same thing. And, surely enough he did, only this time I've met with the representative, XXXX XXXX who has not come through on promises, appears to be non chalant about the urgency and possible adverse credit reporting, when asked to speak to a manager again, I was told that there was not a manager available. I am highly concerned about whats going on at XXXX. There doesn't seem to be any concern for the borrower 's frustration, and no incentive to go above and beyond to help borrowers with problems. As a matter of fact, the representative I've encountered encouraged me to make a complaint if I didn't like it. Dismayed and frustrated concerned about my credit, I am highly recommending that someone look into the practices of XXXX XXXX. And to add to matters, I just received a text today, stating that my payment is late.
Complaint sub-issue: Don't agree with the fees charged

My loans originated on XX/XX/XXXX but was deferred until I completed school. My payments started on XX/XX/XXXX and my balance was {$100000.00}. Since XX/XX/XXXX I have been making {$870.00} payments ( more that the minimum amount ) without missing any monthly payments. On XX/XX/XXXX XXXX XXXX was added in the amount of $ XXXX.I immediately called and opened up a case. I spoke to numerous people over time including managers and supervisors who agree the amount was falsely added and therefore needed to get corrected. Until then, I would still need to make payments and when this is corrected, the appropriate interest I have been overpaying will be applied back to my principle. I continue to call and either I am left on hold for 50-72 minutes where I later hand up or I get someone who doesn't know the situation and will investigate and get back to me. I never hear back. Each month I see huge differences in the amount applied to interest and principle with no consistency or following of any payment application rules. I am at a loss dealing with an organization that has no concept of customer service or responsibility to the people they service.
Complaint sub-issue: Was not notified of investigation status or results

I am very upset with this issue. I sent a letter to the credit bureau on XXXX XXXX, 2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Complaint sub-issue: Problem with fees charged

Commerce Bank- they charge a XXXX processing fee that is not disclosed in the terms of the loan provided by the dealership. 
-took 6 phone calls for then to provide the correct steps on where to have my bank send checks so my car payment is accepted. 
-They accepted the first check in XXXX set with my bank for recurring they returned the XXXX checks saying the account can't be found the XXXX check number is XXXX They have attempted to send me to collections for the missed payment. 
On XX/XX/XXXX XXXX sent another recurring payment via check number XXXX, they have yet to process the check. 

This issue falls under XXXX since the fee 's are across all non commerce bank customers. Checking Books are not a normal thing any longer. Most people and business use electronic payments due to safety.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/XXXX {$38.00} became 30 days over due Payment was received XX/XX/XXXX of {$170.00} ... but it was {$38.00} under paid. ( for some reason I under paid ... can not recall why ... honest mistake ). 

This has been a mark on my payment history ever since. 

There were no other late payments in payment history. 

In addition, XX/XX/XXXX USBank closed my account because I had not been using it. ANOTHER ding to my account when an account is closed. I did not ask them to close it. They decided on their own. 

Could you please help me at least remove this ding for {$38.00} dollars? My credit report score is actually suffering because of it. 

Thank you, XXXX XXXX XXXX XXXX The old account number ended in XXXX.
Complaint sub-issue: Talked to a third-party about your debt

I lost my brother due to a murder and I got behind on my cc bills but since then I have paid off all my debt and Discover continues to try and keep me from moving on with my life. This has been more than ten years and they continue to have it listed as a derogatory mark against me on my account that it is affecting me from getting a better house and a better house which is costing me thousands in interest e every year due to this hardship that I have been trying to rectify the last 15 years of my life and it continues to linger on my credit report as a sore to remind me that even though I have made the payment it shouldve been removed after 10 plus years because this is obsessive and unreasonable
Complaint sub-issue: Account information incorrect

See attached account detail : US DEPARTMENT OF EDUCATION This account being reported by Equifax is a COLLECTION ACCOUNT. 
PER FCRA GUIDELINES, A COLLECTION ACCOUNT CAN NOT REPORT A MONTHLY PAYMENT HISTORY. 

Account is also reporting as an INSTALLMENT LOAN and states SINGLE PMT LOAN This account is not an INSTALLMENT LOAN. 

Equifax last report on XX/XX/2018 showing account as 120 day late in XX/XX/2018 ACCOUNT WAS PAID IN FULL ON XX/XX/2018, AND FAILS TO REFLECT THAT ANYWHERE. PER FCRA GUIDELINES, MONTHLY REPORTING ON A COLLECTION ACCOUNT IS A VIOLATION. 

I have disputed these facts with Equifax and to this date, they have not corrected/deleted disputed information. 

Equifax states that Dept of Education has verified information reporting. However, Equifax is violating the FCRA by reporting an account as both a collection account AND also an installment loan. A " method of verification '' request was given and was never responded to. 

SEE ATTACHED EQUIFAX REPORTING
Complaint sub-issue: Received unwanted marketing or advertising

NOTHING YOU GUY DO GRAET JOB
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, i sent a letter to the consumer reporting agency regarding some inaccurate and unknown items on my credit report. Today XX/XX/2021, i am still waiting for a response. I have not received any type of acknowledgment or a response regarding this issue. It is been over 40 days now and these items are not still being investigated and it is irritating. I believe if the consumer report agencies are all ignoring me, the items that i am disputing should be deleted promptly because it has been so long. In addition, the law of section 611 ( a ) it states that a failure to investigate a consumer 's items within 30 days gives a reason to immediately remove those items previously disputed from my credit report. 
I demand these accounts be deleted immediately. In addition, my information was also impacted by the equifax data breach and may have got stolen.