Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

I previously mailed the attached letter below on XX/XX/15 and have yet to see any changes made to my credit file. Please review the attached letter I am providing which is pursuant to 15 U.S. Code 1692a ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft.
Complaint sub-issue: Contacted me after I asked not to

XXXX has and is attempting to collect on a account from before XXXX they now have referred the account to some outside agency XXXX/XXXX/XXXX. this is beyond 7 seven years and illegal in my view. failed to contact me this was a phone from and employer XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/XXXXthere was a bankruptcy filed. Once the bankruptcy discharged there was a huge amount of issues on my credit report. There were accounts that were included that should not have been. The bankruptcy court contact information was inaccurate, the amounts, phone numbers and case numbers. I sent letters to the credit bureaus in XX/XX/XXXX and XX/XX/XXXX to correct or update the information. None of the three credit bureaus updated the information nor removed the bankruptcy. I sent credit report dispute letters certified mail to both XXXX  and XXXX  on the XX/XX/XXXX. They were both received onXX/XX/XXXX. I followed up with both of them and XXXX also completed a phone dispute as well. I received an alert response onXX/XX/XXXX. I called XXXX in regards to the bankruptcy dispute. The agent notified me that it was confirmed and updated. I asked whom did they contact to confirm the bankruptcy information? The agent advised me that they used a third party system and did not want to provide me with the system. I advised them that I have access to systems as an XXXX and that I did not see any documentation either. I also explained the agent that according to the FCRA Act that the credit bureaus would need to update the correct information or remove the bankruptcy. I have also disputed accounts that were inaccurate along with huge amount of inquiries that were not authorized. I have reached out to all three credit bureaus and this issue still has not been resolved. I am a military service member and I should not have to constantly deal with these issues.
Complaint sub-issue: Didn't receive notice of right to dispute

First of all, this company has never contacted me regarding this debt that they purchased. Theyve been reporting on my XXXX report for 10 months now. Had they contacted me, I would have explained that Im on XXXX and they cant collect my benefits. I also wonder how they can force me to pay an amount they never paid themselves. Unfortunately, they will not be able to collect on this debt. I also don't understand why payday loan companies get away with charging exorbitant interest rates to create hardships for people.
Complaint sub-issue: Didn't receive notice of right to dispute

Ive reached out to the company regarding the situation because at the time I was working and I dont understand why the situation is occurring because my insurance switched over and they said that it was taken care of
Complaint sub-issue: Debt is not yours

ERC is the company that sent the collection notice, dated XX/XX/2022. 

My family does have a XXXX account but we pay it as family and each of our phones are under my husband 's name. 

The bill is for {$340.00}. I called the collection company on XX/XX/2022, and let ERC know this is not me and I am not going to pay it. The customer service gentleman said okay I will update the records. 

Thank you.
Complaint sub-issue: Didn't receive services that were advertised

As part of the Equifax settlement, I signed up for a free MyEquifax account. For the last four days, I have been trying to log into that account. Every time, it says, " We are temporarily unable to complete this request. Please try again later. '' There is no discernible way to ask for support on their website, so I went to their XXXX page. A private message went unanswered, and a public post was deleted. Finally, just to add insult to injury, Equifax keeps sending me e-mails asking me to upgrade to a paid service. I want to use the free service that was promised in the settlement. 

Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed multiple accounts that started last XX/XX/2020. The Credit Bureaus failed to verify these accounts after multiple dispute letters and warnings to submit complaints, I have no other option but to file a complaint with CFPB.
Complaint sub-issue: Was not notified of investigation status or results

I have some collections on my reports that are over 7 years old and i have been trying to dispute them since XXXX and have had no luck. 
My understanding was that once you filed an dispute the credit bureaus had 30 to reply or fix it. None of this has happen. I check my reports all the time and as of today XX/XX/2021 nothing has came off. 
I mean seriously how long does this take?
Complaint sub-issue: Personal information incorrect

To whom it may concern, Im a victim of Identify theft. The theft took place in XX/XX/2014 and Im still dealing with it 4 years later. Ive reached out to Equifax on several occasion and sent them all requested documents supporting the fact of this ID theft. To this date Equifax hasnt block theses accounts from reporting to my credit. When I contacted the creditors directly they state they have no record of me being in their system and there should be nothing reporting to Equifax in regard to me or an account with them. Equifax has provided me with several dispute confirmation that link to nothing being investigated or removed. Im just requesting Equifax follow the law and block this information.
Complaint sub-issue: Can't get flexible payment options

Mohela reported to the three credit bureaus in XXXX 2016, but my XXXX XXXX rejected that payment as an error. This is the first 30 day credit mark that I have with them. It is not my fault that my bank rejected the payment because the money was there. I advised my bank that I need a letter showing proof they received my deposits but its not credited to the account. My mom is the cosigner on this account and I do not think I should be punished for what my bank did. This is affecting my credit and my mom 's credit as well. I have a good payment history with Mohela therefore I am willing to do auto payments, but I need the credit mark removed. I did not know they were rejecting payments until I received Mohela 's emails. I have a pending complaint with XXXX XXXX as well to get this resolved.
Complaint sub-issue: Reporting company used your report improperly

In Accordance with the Fair Credit reporting act THESE COMPANIES have violated my rights : 15USC 1681 Sect 602a states I have the right to privacy. & 15 USC 1681 sect 604a Sect 2 also states a consumer reporting agency can not furnish a account without MY written instructions. 
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: Account status incorrect

XXXX XXXX XXXX is reporting negative items to XXXX, XXXX, EQUIFAX also violated laws 5 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies and 16 CFR 313.10 - Limits on disclosure of non-public personal information to nonaffiliated third parties. also15 U.S. Code 1681c - Requirements relating to information contained in consumer reports. Also15 U.S. Code 1691 - Scope of prohibition.
Complaint sub-issue: Account terms

Here is what has been reporting on my equifax credit report : Type of account : open ( incorrect information ) Date opened : XXXX/XXXX/2012 ( as per XXXX XXXX and XXXX records and XXXX XXXX Bank, the account was bought on XX/XX/XXXX,2012, then the initial notification letter did not go out until XX/XX/XXXX,2012, this is well beyond XXXX days after XXXX started furnishing negative information in my credit report without my knowledge. This is a clear violation of regulations. ) The due balance was also being misstated. I have tried to get the record straight multiple times and no official verification or proof of documents come from XXXX and still my credit report keeps getting the bad end. I demand full deletion of credit line from all credit bureaus before I commence the legal battle on this.
Complaint sub-issue: Information is not mine

Dear sir/madam, as I was going through my credit report on EQUIFAX few months ago, then I noticed a negative report on my credit. The negative report was from a Company called XXXX and Another company called XXXX XXXX XXXX. Any time I dispute the accounts, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with XXXX and XXXX XXXX XXXX, Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX or any of it affiliates. 
I am requesting that XXXX and XXXX or any of their affiliates should remove such negative and false statement from my credit report THIS COMPANIES ARE AFRAUDULENT COMPANIES, first they came up with the name XXXX XXXX XXXX account number XXXX on my credit report. after so many dispute I submitted against the account, I was forced to pay dept in the sum of {$45.00}. The dept I did not own, the dept that does not have my name on it. 
After that they came up with another name XXXX with same account number XXXX stating that I was owing them {$200.00} This is fraud I do n't own this companies any money and I never had any transaction with them I do n't even know the kind of business they do. They have to pay me back the XXXX dollars they fraudulently took from me. 

Dear sir/madamI want your office to go through my credit report to verify my statement. 
I want your office to investigate this matter because any time I dispute these XXXX companies that has XXXX account number EQUIFAX kept saying the investigation stated that the account was mine.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX Balance {$400.00} XXXX XXXX Balance {$0.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Phone : XXXX To whom it may concern : Im writing in reference to a 30 day late payment listed on my XXXX and XXXX   Credit reports in XX/XX/2017 The card in which I made the payment on had fraudulent activity which caused overdrafts on my account and the payment I made to Conns being returned. The late payment was forgiven then they reversed it back to reflect a 30 day late payment. I ask that the late payment be forgiven as this unfortunate fraud incident was out of my control. All my payments other than that payment has been paid on time.
Complaint sub-issue: Their investigation did not fix an error on your report

We have been arguing this for MONTHS now and are getting nowhere. Loancare was assigned to our mortgage and have been consistently reporting late payments when we were not late. In fact I spoke with representative XXXX and she even stated that she does not see where we have ever been late however both the creditor and credit bureau keep sending information back as verified yet info keeps changing and is not consistent from my report or my husbands and the information is not consistent from one bureau to another. They are reporting inaccurate info not conducting an investigation and have failed to verify or validate as well as send the requested information showing PROOF that they indeed received our payments late however they do not send that info have updated the verbiage on one out of the three as paid as agreed but the two year history balance info high credit info dates etc.. are all inconsistent and erroneus and are NOT updated to date. This has been going on for over a year. We were supposed to close on our home XX/XX/XXXX we are doing a lease option due to this inaccurate information reporting and STILL this is not updated! We will be forced to move out of our home and have to find a new place to live now because of this inaccurate information reporting. This has caused severe stress and is now a willful violation on their part due to the countless letters we have sent and numerous phone calls! I am demanding restitution for the damage this has caused to my credit and my life for the past couple years and I am demanding that the two year pay history as well as the notation on the account balances dates account numbers etc.. all be updated and CORRECTED to paid as agreed with correct info showing balance paid in full since we no longer live in this home. Please note on the attachment showing the email that I sent to Loancare after consistently calling and calling and getting nowhere and EVEN being told by the rep I spoke with on a recorded line that once something is reported to credit there is no way to reverse that! That is the most insane thing and ILLEGAL not to mention incorrect thing I have ever heard which in itself should speak volumes. but please note that I also copied almost the ENTIRE executive staff on the email and they STILL did not update correctly or provide me with any proof ( and a late statement is NOT PROOF ) of late pay on my account and again the rep I spoke with even said that she does not see where we were late at all not to mention they reported OK with some bureaus and late with others and as reflected in one attachment and then showed me paying as agreed for two months then all of a sudden was late 60 days? That is impossible! This is ruining my life!
Complaint sub-issue: Information belongs to someone else

There are 11 accts and 1 inquiry on my credit report that do not belong to me they are not mine in any sort of way I bave not used or knoq or signed for these accounts I need them off my credit asap!!!! 

Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Inquiry Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry
Complaint sub-issue: Information belongs to someone else

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit reports per XXXX, XXXX  and XXXX. 
On XXXX. XXXX, 2020, CORELOGIC CREDCO add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Complaint sub-issue: Account status incorrect

when my credit cards debts increases by sometimes less than {$20.00}, my credit score drops by XXXX to XXXX points I do feel that is fair and is bad business, because if they drop my credit scores every time my credit cards debts drop {$20.00} or less, my credit score will always be low, that not right. I need my credit report audit from all 3 reporting bureaus, because something is not being done on a professional basis.
Complaint sub-issue: Billing dispute for services

XXXX XXXX is showing on my credit report as a negative account. I never had XXXX XXXX and its been a hassle getting it removed from my credit report
Complaint sub-issue: Fee problem

I called Ally Bank SEVERAL TIMES and made sure that an international incoming wire transfer would not incur any fee by Ally or XXXX ( the intermediate bank as Ally does not have international wire ). As the wire was received, I noticed that {$18.00} was deducted from my wire. I called Ally, spent 27 minutes with the representative plus a supervisor and was told that it was their lack of training and that I should go to XXXX to request a refund. I called Ally again the next day, this time for 57 minutes. At first the representative was telling me that it was another intermediate bank other than XXXX that charged the fee. After I told her that the previous supervisor told me it was XXXX, she then told me, " Yes it was XXXX. Let me transfer you to my supervisor. '' It took a long hold and a different supervisor picked up this time ; simply apologized and not willing to refund the fee in any way even the customer was being reasonable with them. Defintely not a fair trade.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 


XXXX XXXX Balance : $ XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance XXXX {$600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

TWO TIMES NOW I HAVE TRIED TO DISPUTE ACCOUNTS ON MY CREDIT REPORT THAT ARE NOT MY ACCOUNTS I NEED THESE ACCOUNTS REMOVED OFF MY REPORT I HAVE NOT LIVED IN THE XXXX AREA I HAVE FAMILY THERE BUT NOT ME I DO NOT KNOW HOW THESE ACCOUNT POPPED UP ON MY REPORT PLEASE LOOK IN TO THIS MATTER.
Complaint sub-issue: Didn't receive advertised or promotional terms

On XX/XX/XXXX I applied for, and received a secured credit account backed against {$200.00} of my funds, deposited with Citi for a one year period. I have maintained a 100 % on-time payment record in the 1 year and 6 months since. I have repeatedly inquired as to my maturity date on this card, in order to recover my deposit. In every interaction, I was told XX/XX/XXXX. Upon contacting Citi on XX/XX/XXXX, I was told that I had matured and that my payment would arrive electronically back to the account the deposit had come from on XX/XX/XXXX. Today, XX/XX/XXXX I called to ask where my deposit was, and was told that my maturity had been extended another full year to XX/XX/XXXX. Citi is baselessly holding my deposit without cause and artificially declaring its right to hold onto my money against its communications and assurances, and I expect that deposit returned per the original terms, and every communication since opening.
Complaint sub-issue: Debt was paid

On XX/XX/XXXX I made a purchase though XXXX for some items with my checking account. I received an email from TRS recovery service on XX/XX/XXXX advising me that the payment did not clear. I checked the error and realized I provided my saving account number not my checking. I then called TRS recovery on XX/XX/XXXX and made a payment of XXXX to resolve the issue the payments where broken up into two separate charges one for XXXX and the other XXXX. Those payments were withdrawn from my account on XX/XX/XXXX, I attempted to make another purchase from XXXX on XX/XX/XXXX and was advised my account was still on hold with TRS recovery because a payment was never received even though the payment was withdrawn on XX/XX/XXXX. I have can TRS recovery numerous of times since then and have only gotten the run around I was told to call XXXX, call your bank we dont show we have it your bank sent the payment back on the XXXX but I made the payment with my debit card and also spoke with my financial institution and they shown nothing has been returned and the payment was intact withdrawn on XX/XX/XXXX. I was then told by TRS recovery that I would have to file an appeal which would take up to 30 days for a review ( meaning I would have to spend more time and money into an issue that hasnt been resolved on their end ) and to fax in the appeal.
Complaint sub-issue: Can't get flexible payment options

I am currently on a long term modification with AES that is the servicer of the loan that was taken out by XXXX/NCT. I am currently paying all my payments on time and in full and CAN MAKE THESE PAYMENTS. I called AES today because the payments are increasing. I told them these payments are to high and I can not make them and they told me they can not do anything to help me. I do n't know why they will not help there clients! I am willing to work with them and I advised them they will be going to default becasue I can not make more payments. They advised me I can not contact XXXX becasue AES has been contracted now and they do not service them. I need help with repayment and there has to be another way to lower these payments or keep them the way they are. My credit score from these loans is already affecting me and can not consolidate or do anything. This is really un-fair that they are doing these to me when I want to pay!
Complaint sub-issue: Debt was result of identity theft

Account Details Last Reported XX/XX/XXXX Collection Agency PRO COLLECT Original Creditor XXXX XXXX AT XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$2800.00} High Balance {$2800.00} Remarks Account information disputed by consumer Creditor Contact Details PRO COLLECT XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Complaint sub-issue: Reporting company used your report improperly

XXXX, XXXX and Equifax are given my priivate information to companies and Collection companies. 

There is a Collection of {$440.00} that I am not aware and didn't receive any notice by US Postal Office Mail. 
XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, California XXXX XXXX has placed a collection and knowing that I am XXXX XXXX and Retired. 
Collection was placed on around XX/XX/2018.