Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reinserted previously deleted info

I had submitted a dispute regarding a Medical Collection item with Equifax regarding XXXX XXXX XXXX on XXXX XXXX, XXXX, control number XXXX. This was item under dispute was last reported on XXXX XXXX, XXXX in the amount of {$250.00}. 

It was brought to my attention today by credit monitoring that an additional collection item was added to my credit report by Equifax , XXXX XXXX XXXX - reported XXXX XXXX, XXXX, in the amount of {$250.00}. 

This XXXX item is a duplicate of one currently under investigation as noted in the first paragraph. I called Equifax today at XXXX CST to dispute the XXXX item as a duplicate. 

I believe the intent of the data furnisher is not to respond to the original dispute dated XXXX XXXX, XXXX and allow Equifax to delete the item from the credit report. Then, add a new collection item. Thus, violating the spirit and intent of FCRA. 

During my call with Equifax , agent name XXXX, I asked if Equifax had controls in place to monitor data furnishers and the data provided when a dispute is under investigation. In addition, I asked if Equifax had controls in place to monitor data furnishers reporting duplicate tradelines. Her answer was no. There are no controls in place to monitor data furnisher activity to identify abuse or reporting of duplicate tradelines. 

When told that I wanted to submit a complaint regarding Equifax practices over the phone, she refused to accept my complaint and advised that the complaint must be submitted in writing. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have attached my SS Card and DL for proof of ID. I HAVE A UNRECOGNIZED THATINQUIRES HAVE REQUESTED REMOVED DUE TO FRAUD RELATED ISSUES IN THE PASSEDI RECENTLY HAD A FREEZE NOT TO LONG ALONG SO NOT SURE HOW I GOT A INQUIREFROM XXXX  XXXX XXXX XXXX ON XXXX. PLEASE DELETE THISINQUIRES. I HAVE NEVER HAD A XXXX  XXXX ACCOUNT
Complaint sub-issue: Their investigation did not fix an error on your report

This is a follow-up request regarding my last complaint. I would like to inform you that the account has not been validated yet. So this time I am filing another complaint to this platform so that the 3 Credit bureaus will be notified and the issue will be addressed Here is the account mentioned above : XXXX XXXX XXXX BALANCE : {$230.00}
Complaint sub-issue: Public record information inaccurate

My XXXX  credit report is showing that I filed for bankruptcy, I contacted the bankruptcy court and their files doesn't show that I filed, this information should be deleted for violation of my FCRA rights 15 usc 1681c-2, I demand this information be deleted and blocked from my credit profile immediately. I also sent validating information to XXXX proving my case with documentation and they responded back saying it was verified. Also XXXX and other 3rd party credit agencies are not handling consumer credit reports and disputes according to the standard of the FCRA law.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15U.S.C 1681 section 604 section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Attempted to collect wrong amount

This is the second time reaching out to your company requesting you to validate this alleged debt. Please note that I DO NOT WANT A VERIFICATION, but a VALIDATION of this alleged debt.
Complaint sub-issue: Confusing or misleading advertising or marketing

On XX/XX/2020, I purchased a dirt bike from Orionpowersports and chose XXXX to finance a 12 month 0 % interest from the vendor website. I created a XXXX account and checked off the autopay feature. I linked my bank account to XXXX as directed. 

I then tried to enter the payment amount for the autopay feature and ended up instead, sending an {$80.00} payment to XXXX. XXXX handles all of their incoming contacts via a call center. One can open a chat session or call but the call center will not transfer call nor provide a person 's email. 

What I was told, is that autopay will pull the payment from my connected bank account for the amount of the minimum payment due from the current 25th statement. Then, if you want you can manually add to that minimum amount to make the payment whatever you want so that you have a {$0.00} balance after 12 months. Each manual payment would be different since the balance owed changes each month. 

I looked up references plus used my 69 years of experience to question how an autopay plan needs a manual adjustment. Autoplans usually have a fixed amount with a set number of months and is designed to have a {$0.00} balance at the term-end so that there is no finance charge due.

I reached out to Klarna through chat but they just repeated the minimum payment procedure. I have come to believe that this is an intentional plan on Klarna 's part.

My financing of {$1500.00} using the minimum amount ( about $ 32/mo. ) amount due method would have left me with a balance at the 12 month end date of about {$1100.00}. I would have to make a balloon payment or have the interest for the 12 months added to my balance. 

I believe that this is a deceptive and deliberate practice on Klarna 's part to have customers come up short and be charged interest. I have already made arrangements to payoff my balance and close my loan out so I am not personally looking for anything from Klarna. 

Thank you XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

During the XXXX XXXX XXXX, I made arrangements with the below accounts to make partial payments. I made partial payments and they still reported the accounts late which according to the XXXX - XXXX XXXX. XXXX ( F ) if accommodations were made between the covered period, the account is to be reported as current. 

XXXXXXXX XXXX XXXX XXXXXXXX Showing XXXX late payments which I actually made partial payments. 
XXXX XXXX Account XXXX. XXXX Showing XXXX late payments which I actually made partial payments. 


Also, XXXX  Account XXXX is reporting a debt that I do not owe. I have never been transported by the XXXX company they are collecting for. I sent them a certified letter asking for verification and received no response. See the attached letter.
Complaint sub-issue: Reporting company used your report improperly

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692B Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; not state that such consumer owes any debt ; not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; not communicate by post card ; not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorneys name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector.
Complaint sub-issue: Reporting company used your report improperly

In a accordance with the fair credit reporting act XXXX  account # below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Debt is not mine

I keep getting calls demanding I pay {$43.00} for a book they claim I recieved from 'XXXX ' over 7 years ago. I do NOT have this book. I told them this more than once. They say I need proof I dont have the book. They call ALL the time. They are rude. I asked them to send me proof I owe this debt. They did n't. I do NOT have any books from XXXX. I think they are trying to scam me.
Complaint sub-issue: Information that should be on the report is missing

Equifax recently deleted my former employer XXXX XXXX XXXX XXXX XXXX from my credit report. IRS & The Social security Administration can confirm that I was employed by the company from XXXX. XXXX XXXX have been deleted from XXXX, XXXX XXXX deleted from XXXX, XXXX XXXX. My identity have been stolen, in order to receive my social security XXXX I need my credit report to reflect these employers. For IRS. I 've sent you my name change also. I need for my report to reflect these changes. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I mailed you all of these changes.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Reporting company used your report improperly

I was one of the Equifax data breech victims ( XXXX XXXX XXXX ). I would like Equifax to be held responsible if my credit or financial state is negatively affected by this case. Please place an initial 90 day fraud alert on my credit file.
Complaint sub-issue: Problem using a debit or ATM card

I purchased an item online at circut.com for XXXX dollars XX/XX/XXXX. I never received the package to this day. I filed a dispute with the bank us ReliaCard on XX/XX/XXXX. They told me it could take up to 120 days. I called to check on it periodically. Then on XX/XX/XXXX of XXXX they stated no error had occurred. I called them right away and they told me the Merchant stated they delivered the package, which they never even asked me they just sided in their favor. Author called the post office in my town and was explaining the situation and gave the tracking number of the package. The post office looked it up immediately and mailed me a letter stating that it did not come to my address and listed the address it went to. I faxed over paperwork to us bank ReliaCard fax number. I called to keep checking on results from submitting papers, the XXXX time the representative stated I would receive the money on XX/XX/XXXX when the 120s days ended. After that the next representative had told me my claim was closed and that I would need to call and keep reopening my claim. Last day I talk to XXXX very knowledgeable he apologized over and over and over again because he said since Ive been calling and everything and since I faxed in the paper from the post office that no ones even filled out the paperwork and the claim shouldve only took 120 days even after I sent in the paperwork, so and he gave me a ticket number and thats what I called them today for was to check on that because XXXX told me to call in 3 days and the lady would not even look up my ticket number she said they closed the case again and that it was in the Merchant favor. I without trying to lose everything that I have, I was like how theres no way, The receipt for where I paid the XXXX dollars .I have a letter from the post office stating that the package did not come to my house and lists the address it went to. Then she tells me that she would have the right another ticket number which I got today from her and send me the information in the mail she would not even talk to me about it and why they choose the Merchant. I did ask to speak with a manager or supervisor and she stated she was the only higher up there at that time. That being is why now filing a complaint. I will send all the documents I have to go with claim.
Complaint sub-issue: Public record

I WAS A VICTIM OF ID THEFT IN A USED CAR BUSINESS, BY XXXX XXXX AND HIS FATHER XXXX XXXX. THEY FRAUDULENTLY USE MY NAME AND NAME SEMBLANCE TO DEFRAUD CUSTOMERS OF THEIR TAXES AND WARRANTY MONEY THEY PAID XXXX XXXX AT THE DEALERSHIP, XXXX XXXX HAS PLED GUILTY TO ALL COUNTS AS YOU WILL SEE ATTACHED. THE TAX LIENS ON MY CREDIT REPORT IS NOT MINE, THEY ARE WHAT XXXX PLED GUILTY FOR
Complaint sub-issue: Problem accessing account

I have been Citibank customer for nearly 20 years. I held a checking account with Citi. Recently, in XX/XX/2022 I followed their promotion and opened a savings account. I deposited the required balance. I made several withdrawals from the account and also several deposits. At the beginning of XXXX, my savings account was blocked with no explanation. The online access to my checking account was blocked as well. However, the checking account was operational but I did not have any online access. I have been told that I will receive a check within the 3 months for the funds in my savings account. On XX/XX/2022, my checking was closed with no prior warning and no explanation. I found out only because two direct debits from this checking account to my credit cards were declined. I incurred late fees and interest because of this totaling up to {$100.00}. 
I received the check for the remaining funds from my checking account at the beginning of XXXX. I have not yet received the funds from my savings account totaling more than {$11000.00}. I went to the branch of Citibank. The staff was polite but they could not explain to me what is going on and the only way to find out was to call Citi. I called directly from the branch as otherwise, Citi did not even want to talk to me on the phone. I was transferred through several departments to the department that put a block on my account initially, but the person there could not tell me what is happening. He told me to call after 48 hours. I did call after 48 hours, but it was a similar result : several transfers and promises to send me the check within 50! days. This is after waiting for the funds for 3 months already. When I asked for a more detailed explanation, the person just handed up on me. I called Citi again to file the complaint, but even this was extremely difficult, I had to go through several departments. I am facing lost interest for about 5 month ( Citi did pay interest till XXXX, but it was extremely low relative to their competitors ). I think this behavior on behalf of Citi is extremely unprofessional and plain rude. Remember I was a customer for 20 years!
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX are reporting incorrectly a charge-off on the XXXX account number XXXX. ( Please see page attached from my credit report. ) I was enrolled in a special account program to assist me in catching up with the payments due to a lay-off from my job. Because of this hardship, they agreed to let me make payments and bring the account current. When I obtained a copy of my most recent credit report, I discovered they had re-opened this account. When I called to inquire, I was told by the representative that this was an error on their part however, they were unable to reverse this incorrect information from being reported. Also, this account is reporting an incorrect balance. This negative reporting of a charge-off is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.
Complaint sub-issue: Problem during payment process

I have a loan with CITICARDS CBNA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and CITICARDS CBNA with no successful resolution. XXXX  is only reporting me late. There was definitely an error on their part.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the XXXX Credit Bureaus to update or correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly update the following accounts that are hurting my credit : XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Threatened or suggested your credit would be damaged

Debts reported to credit bureaus by XXXX XXXX XXXX cell phone company.. Fraudulent activities, was done to account and I had reported to XXXX XXXX XXXX cell phone company, but they are damaging my credit. Wrongfully charge {$1700.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax has inquiries that are on my credit report that I did not authorize. I sent Equifax a certified letter but I have yet to hear from them.
Complaint sub-issue: Information belongs to someone else

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Date Opened : XX/XX/2017 Balance : {$8100.00}
Complaint sub-issue: Problem accessing account

Setting up an acorns account but pnc is refusing by way of policy to link the accounts via mobile app.
Complaint sub-issue: Reporting company used your report improperly

I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 

According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting XXXX XXXX Accurate. 
And according to the XXXX XXXX XXXX XXXX everything has to be XXXX XXXX  Accurate. 
Accounts XXXX # XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I sent a letter to XXXX  to remove unauthorized non account holding hard inquiries off of my credit report but I got no response. I still have receipts from the day I sent the letters out certified mail.
Complaint sub-issue: Personal information incorrect

I started disputing my personal information on XX/XX/XXXX - XX/XX/XXXX, I've been sending letters and now there are addresses that I have no knowledge of or no access to. These addresses are still being reported on my XX/XX/XXXXcredit report and affecting my credit history. XX/XX/XXXX has closed each dispute attempt with the same outcome, the invalid information is still being reported today as of XX/XX/XXXX. This has really affected my credit and my life.
Complaint sub-issue: Their investigation did not fix an error on your report

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Complaint sub-issue: Public record information inaccurate

I believe that Equifax is improperly report my credit score inaccurately. I believe the information provided to them about my inquires has damaged my rating being that my history is fairly new. Other bureaus are reporting higher than scores.