Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive enough information to verify debt

Hunter warfield put a collection mark on my credit. They never tried to contact me. They admitted to sending the initial contact letter to their own client not me. I was the one to reach out to them after I noticed the mark on my credit and have Contacted them numerous times since requesting a signed lease from XXXX XXXX XXXX ( the said property they say I owe ) I have already expressed to them that this debt is not valid and they have tried to get in touch with XXXX properties to get this information and they have not been able to get a-response from them. They have even closed my dispute with them and I had to get them to reopen it. I should not have to go through all this trouble to get a mark off my credit that they have fraudulently put on there. All they have sent me as proof of debt is some types bill from XXXXXXXX XXXX. I have never had an agreement with any of these companies and I do not owe any money to them. I have asked for Hunter warfield to remove this from my credit and all I get is a bunch of fast talk and over talking.
Complaint sub-issue: Attempted to collect wrong amount

My name is XXXX XXXX and I am writing to lodge a formal complaint against XXXX XXXX agency who is repeatedly ( numerous times in a day ) calling me regarding a debt in the amount the I dont owe. Procollect states that I owe {$8900.00} and I have an email from the apartment complex that states I owe roughly 3,700 as a  balance. There are fraudulent charges including charges for us not returning keys and drywall repairs which is totally untrue. The apartment was left in prestine condition and all we owe is for the two months rent which equal up to a little over 4,000 but minus security deposit equally around 3,700. I have repeatedly requested a complete validation of debt and have not received anything. 

Procollect is attempting to collect on an amount that is not owed, repeatedly contacting my phone harassing me for payment on a debt amount that I do not owe. 

Cease collection on an invalid date were I dont owe the amount they are attempting to collect and cease a desist collection. This has been reported to my credit report and is an attempt to collect on an amount not owed.
Complaint sub-issue: Problem with customer service

I have a federal student loan that is eligible for the student loan cancellation. I am eligible for {$20000.00} in forgiveness. I made a total of a little over {$8600.00} in payments during the payment pause for Co-vid to take advantage of no interest to try and pay down my loan. I called Nelnet on XX/XX/2022 to request a refund for the payments I made during the payment pause from XXXX XXXX on. They told me I would receive the refund in about 4-6 weeks and I would get an email with the status of my request in the following week. I never received that email. I hadn't heard anything at 5 weeks so I called them and they said it would be 6-8 weeks to get a refund. I am now at the 6 week mark and in order for me to get my refund at 8 weeks I would have to have my loan balance reinstated on the website by now which I have not. Also I see people that have called Nelnet after I did already getting their refunds while I still am waiting to get my balance reinstated. I am worried I will not receive my refund that I am entitled to in time for the debt cancellation. Then I will have to start repaying my loan in XXXX.
Complaint sub-issue: Account status incorrect

I received a copy of my credit report and found the following item to be error. See the attached copy of my credit report ; the error have been highlighted. Here as follow is item in error : 1. I have never been late with payments on this account. 
XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Complaint sub-issue: Information belongs to someone else

Someone opened a fraudulent credit card using my identity with PNC Bank. PNC opened the account with a {$XXXX} limit. Person charged {$XXXX} paid a few times and then stopped paying. PNC contacted me and I told them I did not open PNC account. Asked them to give me information on how account was opened ( online, paper submission ) and how who had been paying account. They never supplied me this information and instead charged off account. Now shows as a charge off on credit reports and I want PNC to remove. It shows as fraudulent on my credit report and also report shows my name twice, once correct and another with n XXXX middle initial that is incorrect.
Complaint sub-issue: Information belongs to someone else

The inquiries listed in my report were inaccurate.I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : 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 XXXXXX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  accounts : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have 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 written instructions.
Complaint sub-issue: Attempted to collect wrong amount

Discover stated they issued a XXXX form and still trying to collect money for {$3500.00}. 

Discover stated they issue the XXXX on XX/XX/XXXX, XXXX if I got to report the income on my taxes why do I need to pay discover? 

Was the balance cancel? 

if so, updated credit report to {$0.00} when will I get the XXXX form? if so upload here?
Complaint sub-issue: Investigation took more than 30 days

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results
Complaint sub-issue: Account status

The accounts in question are XXXX XXXX ( XXXX ) The statue of reporting has expired as of XXXX/XXXX/XXXX and it remains on my credit report. 
XXXX XXXX ( XXXX ) The orginal account was charged off since XXXX XXXX and both accounts are reporting and its passed the staue. 
XXXX ( XXXX ) Reporting pass the statue.Original delinquency wasXX/XX/XXXX
Complaint sub-issue: Investigation took more than 30 days

Under 15 U.S. Code 1681b-Permissible purposes of consumer reports. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. I, XXXX XXXX, never gave Equifax any written consent to report anything on my credit report. No consent is IDENTITY THEFT.
Complaint sub-issue: Debt is not mine

Kohn Law Firm, S.C. ( XXXX XXXX XXXX ) called my place of work asking to speak with me or my wife. When I spoke with them on the phone, they insisted that they needed my social security number and birth date before they could tell me anything. That sounded like a scam so I did n't provide the information. Now they have sent at least XXXX letters to my place of work trying to garnish my wages. The letters make clear that I am not even the person they are looking for ( different middle name and different social security number ). So they are trying to collect a debt I do n't owe, have improperly contacted a third party ( my employer and me in regard to the person whose debt it actually is ), improperly sharing the social security number.
Complaint sub-issue: Their investigation did not fix an error on your report

I mailed a letter to Equifax in XX/XX/2022 disputing a bankruptcy that they are inaccurately reportingon my Equifax credit report. Equifax sent me results dated XX/XX/2022 stating that they verified the bankruptcy information with XXXX but that is false because I have a letter from XXXX dated XX/XX/2022 that states XXXX removed the bankruptcy from their report so how could Equifax have verified the information with XXXX? I have attached the letter XXXX sent proving the bankruptcy is removed from their data base. I also attached the dispute results Equifax sent me stating the bankruptcy was verified with XXXX after XXXX had already deleted the bankruptcy. 

I also have a letter from the court stating that they do no communicate with credit reporting agencies. Also, the bankruptcy being reported but there are no accounts included in the bankruptcy. How can there be a bankruptcy with no accounts included in it? A bankruptcy can not be empty. But Equifax still did not remove this information after I disputed explaining that fact. This situation has caused me a lot of stress. I want this bankruptcy removed from my Equifax credit report once and for all.
Complaint sub-issue: Their investigation did not fix an error on your report

There is a XXXX XXXX XXXX account listed twice on my credit file and it should only be listed once. I have tried to fix this on several occasions but Equifax and XXXX are not doing their due diligence and actually look at what they are listing. It's the same exact open date, high credit, report date, sold to company EVERYTHING. The account needs to be removed. This is absolutely insane.
Complaint sub-issue: Received bad information about your loan

Secured FFEL loan. Loan transferred to different services. Made numerous payments on loan. Servicer would not provide documentation or verify existence of loan. I have paid in excess of the amount I have borrowed. Servicer refuses to allow me to make a lump sum payment on loan. Servcer only will take payments with inflated interest. Servicer will not provide proof of payments to date. Servicer lied to me to get me to make payments by saying I needed to pay them before I could utilize a rehabilitation program. Pursuant to OMB Form No. # 1845-0120 I do not need to make payments before applying for rehabilitation.
Complaint sub-issue: Account status incorrect

Yes I spoke with a rep at LOANME INC, he had a full XXXX name, definitely a broth told me that he would be deferring my loan payments for 90 days. This was in XX/XX/2019 which means my first payment would have been next month in XXXX. Yet my account has now gone to collections and it is destroying my credit  score, this is illegal and predatory. Ive been out of work as I explained to the company rep and he was  responsive and empathetic. Either way my credit is taking a malicious decline all due to their lack of integrity.
Complaint sub-issue: Problem during payment process

I'm not really swayed that you have suitably pleased the rules of the Fair Credit Reporting Act in carrying out your study. My studies have shown me that below Section 1681 ( g ) it is important to allow me with an outline with the method utilized to prove that this account is set in collections and email me the name and addresses of persons contacted for each rule perfectly located at the FCRA.
Complaint sub-issue: Billing dispute for services

Equifax continues to bill me $ XXXX after I have called more than 4-times spending countless hours on the phone with equifax representatives and have requested they cancel this service and credit my the funds charged as I have never received the service I paid for. I have no access to my equifax file, credit monitoring has not been cancelled and equifax keeps billing me. Equifax representatives told me the service will be cancelled and I would be credited. Neither of these has happened and I keep getting billed
Complaint sub-issue: Account status incorrect

XXXX XXXX ruined my credit I was given a XXXX XXXX card by XXXX  XXXX by error. I supposed to get a XXXX Card not a XXXX  XXXX. The one they gave me had interest. The one that I was supposed to get had 0 interest for 15 months and gave you {$200.00} after you spend {$500.00} in 3 months. When I noticed the interest that they charged me, I reached out to XXXX XXXX and they said no problem they would fix it. I got disconnected and called back and then was told they would not. Now that I have put in my complaint, they have credited the interest and I cancelled the card and they told me to reapply for the card that I wanted from the beginning. 



It turns out that the XXXX XXXX card that I had closed several months ago with a XXXX balance had incurred interest after I closed the account. I spoke to a very nice lady at XXXX XXXX who said I'm sorry let me reverse the interest and I will send a letter to the credit bureaus and I will send you a letter saying that the account is a XXXX balance. In the mean time XXXX XXXX has turned me down because of the derogatory credit from the XXXX XXXX card that they neglected to tell me about neither by email or with a phone call. My XXXX credit score turned into a XXXX score and XXXX turned me down for the card that I was originally supposed to receive. 






Sincerely, XXXX XXXX
Complaint sub-issue: Problem with fraud alerts

I attempted to request a freeze on my credit report via the Equifax on-line process on XXXX XXXX, 2015, but the on-line process was inoperative and advised that the request could not be processed. As part of that initial process, I provided all requested personal information, including my current address, SS number, etc. On XXXX XXXX, I again tried to use the on-line process to place a freeze on my credit information and learned that Equifax had in fact placed a security freeze on my Equifax credit file. This had been done without Equifax notifying me of such freeze or providing me the PIN number I will need to release or terminate such freeze in the future. I was advised by the call-in center ( XXXX ) that the PIN was mailed to a prior residential address where I resided three years ago, even though I gave them my current address when I initially used their on-line process. I was told by her that the old address was obtained from credit reports. I feel that my PIN has thus been compromised. Attempts to resolve this with Equifax have been unsuccessful in part because the call-center phone representative apparently does not sufficiently understand English, which is our only spoken language. I was asked repeatedly for the same information, i.e.., spelling of my name, address, social security number, etc. The process took over 30 minutes, including being put on hold several times. 
This entire interaction left me with some discomfort in knowing that my personal information was given to someone who impressed me as being incompetent.
Complaint sub-issue: Debt was paid

The last correspondence was about a month ago showing I owed approximately {$200.00}, how did it go from XXXX to {$3.00}, XXXX in 30 days. The bill has been paid at least four times over the past 15 years or more. I have called the hospital and clinic they supposedly were collecting money on and they have no record to me ever even owing them a bill. This was a XXXX 's XXXX claim for contracting XXXX on the job. This company has been wiping out not only my personal bank account several times, but also my wife 's personal account and my adult son 's account for a bill NOT OWED. XXXX XXXX, a XXXX, also paid the bill off for us when my wife worked for him as he'd received a garnishment. Also this company garnished her wages for the same bill when she worked at XXXX XXXX XXXX. This company took 50 % of my wages while working as a XXXX worker. My wife and I are currently on XXXX XXXX ( laid off ) and have only unemployment for income. They just wiped all all the family separate band accounts leaving us too broke to even hire an attorney to go after them! 

He has more than triple collected on a fake bill for years now. They have created a major financial hardship. 

Years ago this same company that took thousands of dollars from me for a garnishment for a {$15.00} XXXX check that bounced when we lived in XXXX. We had moved and closed out the bank account not knowing the pizza company had not cashed the check. Researching the company after the garnishments, I found the " so called '' pizza company doesn't even exist and I was charged thousands of dollars for a {$15.00} check. 

NOW HERE THEY COME AGAIN FOR FRAUDULENTLY TAKING EVERYONES MONEY.
Complaint sub-issue: Public record information inaccurate

InXX/XX/XXXX i noticed someone using my information to try and get things in my name as a result I have over 10 hard inquiries on my XXXX and Equifax report. Anything fromXX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXXare all part of the fraud with exception of XXXX XXXX XXXX XXXX which is mine from a car loan an XXXX. I disputed all inquiries with all 3 credit reports and only experion has deleted them. XXXX and Equifax both denied my claims and they are in violation of my rights and of FCRA. I was told by both reporting agency that my information was part of their breach now my credit scores are affected and they will not do any thing to help me.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

I had approximately {$7000.00} on gov. Benefit card and had purchases that I didnt make but more importantly there was 3 bank transfers totaling {$5800.00}. I immediately called bank when I found out trying to buy a XXXX present for my kid and was declined. I filled out their form for the {$5800.00} and was told we would get back to the other charges and it took them 90 days to get back with me and said I either benefited from or authorized the transfers and I requested what information they used to come to that determination. They sent me a copy of the monthly statement. I filed a report with the sheriff dept. here. The statement doesnt tell us what bank or account number the money went to. To reopen the case I sent them that I filed report with sheriff and also XXXX was hacked and they gave me XXXX program which says my info was for sale in dark web and leaked from XXXX. So I wait another 90 days and called in and was told that I was denied my money again. I again asked for what information they used to make their decision and was told I would get with in 10 days. I wait a little over two weeks and call back and my phone was blocked from calling them. I had friend call and his phone go right through and when I try it just hangs up. 
To recoup I had over {$5800.00} stolen out of my account and they wont tell me where it went or even talk to me and I swear I never got ugly with anyone. Any help would be greatly appreciated I gave the sheriff the monthly statement
Complaint sub-issue: Account status incorrect

Equifax ; XXXX  and XXXX should not be reporting each inquiry listed as a separate line item on my credit report. ( Please see pages attached. I have also attached a copy of my drivers license and SSN for verification purposes. ) These multiple inquiries are well within the time that is typically allowed to check different lenders and find the best loan. These inquiries are all the same type of lender and therefore should only be reporting as ( 1 ) line item. All of the inquiries are of like kind. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report only as ( 1 ) inquiry. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Complaint sub-issue: Reporting company used your report improperly

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXD XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -XXXX XXXX XXXX  XXXX -XXXX XXXXXXXX -XXXX XXXX XXXXXXXX XXXX -XXXX XXXX XXXXXXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Untitled { Medical Subject has not satisfied debt., XXXX XXXX XXXX XXXX -Untitled { Medical Subject has not satisfied debt., XXXX XXXX XXXX  XXXX -Untitled { Medical Subject has not satisfied debt., XXXX, XXXX } XXXX -Untitled { Medical Subject has not satisfied debt., XXXX, XXXX } XXXX -Untitled { Medical Subject has not satisfied debt., XXXX, XXXX } XXXX -Untitled { Medical Subject has not satisfied debt., XXXX, XXXX } XXXX -Untitled { Medical Subject has not satisfied debt., XXXX, XXXX } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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: Reporting company used your report improperly

On XX/XX/2017, XXXX XXXX reported a negative trade line to my credit report without sending any verification relating to particulars in the amount of {$30000.00}. According to title 15-1692B of the FDPCA dealing with communication with third parties, the only way a collection agency can communicate about any debt, 1 ) they must have a post judgement from a court of competent jurisdiction or 2 ) prior consent from the consumer giving express consent to a court of competent jurisdiction. This is in violation of New York General Business Law Section 349 - Deceptive Acts, Section 380S - Identity Theft and title 15 U.S.C. Section 1632 - Form of Disclosure ( 2 ) Creditor to provide contracts to the Bureau. As defined under title 18 U.S.C. Section 1030 - Access Device. The reporting agency did not follow laws under title 15 U.S.C. 1681S-2 ( a ) - Duty of Furnishers of Information to Provide Accurate Information.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent numerous of validation letters and dispute letters to all three credit bureaus and creditor XXXX XXXX for deletion of an account that was put on my credit around XX/XX/XXXX as a charge off account in the sum of {$1900.00} what that claim to be 3 lines with termination charges which I totally dispute. This account was never validated and for that reason was removed from account around XX/XX/XXXX but one month later it was back on reporting as a charge off bad debt but each month reporting late. My score has dropped 57  points already because it is showing 30-60days late payment and they keep adding to it. For 6 months now the credit bureaus have violated FCRA due to not deleting or validating with an original contract and signature. I have contacted the company as well and all they are willing to do is {$870.00} off {$1900.00} balance also this was sold to a 3rd party debt collection agency XXXX.
Complaint sub-issue: Information belongs to someone else

There is an account and address that do not belong to me.
Complaint sub-issue: Debt is not yours

XXXX XXXX : debt XXXX on XX/XX/2018 services stated they have submitted to all three credit bureaus to have this debt removed because it could not be validated. Two of the three have had it removed. Equifax keeps stating that they never received confirmation to remove the debt. XXXX XXXX gave me a confirmation number and date when they removed, but Equifax won't budge. I informed them I am filing a complaint.