Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Can't stop withdrawals from your account

I purchased a product from XXXX XXXX on installment payments through QuadPay order # XXXX. QuadPay processed my card for XXXX. The merchant XXXX  never sent me any products nor responded to any contacts Ive made about my order. My bank blocked payments and I notified QuadPay to stop processing my card on XX/XX/2020. Ever since then they have been trying to process my card for a product I already advised them I did not receive. It is now XX/XX/2020 and I still have not receive any claim from the merchant and they still have not contacted me. Today QuadPay have attempted to process my debit card over 30 times and it has been going on every couple minutes for hours and continues to as the night goes on. This is extremely harassing its abusing and absolutely ridiculous. this is my second time notifying the company to stop process payments from my bank because I did not receive product i ordered from XX/XX/2020 and have reached out to merchant multiple times and they still have not contacted me regards any claims. They have sent emails about sending my account to collections and continue to process my card everyday multiple times for hours at a time and here I am XX/XX/2020 with no refund from merchant and the company has done nothing but harassed me and I would like it to stop and furthermore their system does not allow me to delete my card from account. Its emotionally distressing
Complaint sub-issue: Account information incorrect

This is notice that on or about XX/XX/XXXX, a call was placed to the US Dept of Education concerning false and or wrong information as to a debtor. The employee of the collections division wouldn't give name or name of 3rd party collections, rather made threats that this was an attempt to collect a debt and that they will determine on or by XX/XX/XXXX when they will collect money from social security benefits and such the like. 

As stated before the Claimant herein never said he didn't have a loan but stated clearly that there is and never was a consolidation. During the call with the agent of the 3rd party debt collector unknown name and address refused to give information, the agent said that this seems to be a problem between you and the Department of Education and XXXX XXXX because it was assumed that the claimant had somehow done a consolidation when clearly he did not. 

They also made mention of a hearing without a date in the future for this to take place but nothing is clear. 

The claimant paid the alleged loan off on XX/XX/XXXX via USPS mail by way of Tender of Payment act of 1933. As such a copy of the tender of payment was mailed and delivered received by the US Treasury as all copies shall be sent to this department when a payment has been tendered. 

More over the Department of Education has listed this as a debt that was in collections and has damaged the claimants credit rating tremendously. As of XX/XX/XXXX this alleged consolidation was deleted from all three credit reporting agencies. 

On or about XX/XX/XXXX it was added back after a clear dispute of this debt and identity theft fraud was proven.
Complaint sub-issue: Information belongs to someone else

I Have No Knowledge of this account and it does not belong to me XXXX XXXX Account Number XXXX Account Type Installment Loan Terms M Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Pays account as agreed Status Updated XX/XX/XXXX Balance {$1000.00} Balance Updated - Credit Limit {$1000.00} Past Due Amount - High Balance {$1000.00} Monthly Payment {$71.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX  XXXX, XXXX XXXX, TX XXXX Ownership Authorized User Original Creditor - Company Sold-to - Original Amount - Comments -
Complaint sub-issue: Their investigation did not fix an error on your report

Why are you reporting when the Monthly Payment, Terms, Credit Limit, Past Due and Date of Last Payment are missing in this report? This should be removed.
Complaint sub-issue: Reporting company used your report improperly

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Information belongs to someone else

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Complaint sub-issue: Reporting company used your report improperly

According to the FCRA, credit reporting bureaus can block information from credit reports if the information is in dispute of fraud and/or if identity theft occurs. This is not a complaint but rather asking that while there's an ongoing investigation with XXXX XXXX XXXX XXXX that the credit bureaus block all disputes under investigation until the investigative disputes are completed.
Complaint sub-issue: Problem with personal statement of dispute

Hello I hope this finds you well, I have been a victim of a security breach and possible identity theft, which has caused over sowing in accounts, in addition to accounts being ironed without my permission and authorization. I have requested many card accounts to review this and disputed these matters and as if XX/XX/2022 XXXX XXXXXXXX XXXX for example has deemed this to be my responsibility. And I do not think this is a fair response as a consumer to the bank. In addition to phone lines such as XXXX XXXX are deeming accounts to be mine which I did not open. The company has adjusted charges but then resubmitting them to my account which is misleading and makes it nearly impossible to continue to support them as a bank I hope this is resolved as I know many other have been Exposed to this crisis of breaching and theft.
Complaint sub-issue: Debt was paid

I purchased furniture from Conn 's in 2014 with the agreement that it will be interest free if paid within 12 months. I paid the furniture off within 12 months and provided proof that I have homeowners insurance, therefore not required to have their insurance. I started receiving calls in XXXX stating that I have a past due amount, however they would not tell me what it was on. I have XXXX other accounts with them that are current. I was finally able to get a collector to say it was on the furniture purchases in 2014. I explained that it was paid off a year ago. Finally figured out that they were charging me for insurance and interest on the insurance. I submitted my insurance information twice more. They finally processed it on XXXX XXXX and said it had been credited back to my account. Yet I continue to get several phone calls daily. They continue to claim I owe money. I was told 2 weeks ago that they requested that account be closed. I am still getting calls and was just told today to resubmit my insurance information. I received a letter from their insurance Dept early this month verifying they credited the cost of insurance back to my account.
Complaint sub-issue: Other problem getting your report or credit score

I am having issues with creditors being able to pull my Equifax credit report. I have applied for credit with my bank, XXXX and get denied because there is no credit history. I was part of the Equifax breech and I enrolled in trustedID XXXX and when I update my report, there are no accounts 0 for everything. I 've tried to pull my 3 bureau report with other credit monitoring companies and because something is going on with Equifax, it will not give me my score. I have called Equifax and they verify there is no freeze and say there is nothing wrong on their end because they can pull up my file, but no one else can, not even me! I called TrustedID and they say the same thing, but no matter what I do or where I go for credit, no one can access Equifax. I have XXXX and XXXX credit monitoring services and they update daily. I have XXXX and XXXX and XXXX scores are updating, however, Equifax will not update.
Complaint sub-issue: Was not notified of investigation status or results

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in XXXXection 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent multiple disputes to have my personal information corrected. 

My only name is as listed : XXXX XXXX My only address is as listed : XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX My year of birth is :XX/XX/XXXX My only employer : XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 

All other alleged names and addresses need to be remove expeditiously.
Complaint sub-issue: Information belongs to someone else

I recently obtained a copy of my credit report from the Equifax, XXXX and XXXX. There, I discovered accounts and inquiries that are unauthorized. These are information that should not be on my report. These are inaccurate, outdated and can be considered as fraudulent.
Complaint sub-issue: Account terms

Why is this account in my credit report? It was paid in full in 2013. XXXX is ruining my credit report!
Complaint sub-issue: Attempted to collect wrong amount

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Compaint : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear Sir/ Madam : I am writing to dispute the follwing imformation in my file an account with : XXXX XXXX XXXX XXXX account dates are : XXXX for {$160.00} ( account # XXXX ). This amount is incorrect. I am requesting that the item be removed. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Complaint sub-issue: Account information incorrect

I requested my credit report from Equifax on XX/XX/2019. I saw that there was negative information reported by XXXX XXXX XXXX in the file that Equifax maintains under my Social Security Number.  Upon reviewing that copy of my credit report, I saw an entry listing an account was charged off {$790.00}. I wrote and certified mailed a letter to Equifax challenging the accuracy, compliance and reportability of this listing. I ask them to please validate that information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. I requested in the absence of any such documentation bearing my signature, I formally requested tthat the information be immediately deleted from the credit file they maintain under my Social Security Number. I also stated that I do not consent to XXXX  or any means of automated verification. 
They replied back XXXX XXXXr XXXX " Verified '' that the account they are reporting under my name is accurate. I then on XXXX XXXX certified mailed another letter to Equifax Requesting that the description of the procedure used to determine the accuracy and completeness of the information was being requested, to be provided within 15 days of the completion of their re-investigation. Additionally, to please provide the name, address and telephone number of each person contacted regarding this alleged account. I formally requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. And that any automated response or XXXX  verification is unacceptable. I requested a re-investigation and their method of verification. They did not reply back in 30 days so on XX/XX/2019 I sent a third certified mail letter letting them know that by not repying in a timely manner to my initial letter they not only violated federal law, but they had failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. And I have evidence via certified mail receipts, so they must remove the item.
Complaint sub-issue: Problem making or receiving payments

My PNC checking account has been linked to my XXXX account for XXXX years. Today while trying to complete a transaction on XXXX I received a notification asking me to verify my bank information. After verifying the information, I received a message saying that PNC has made a change that prevents me from being able to link my bank accounts.
Complaint sub-issue: Account status

Equifax continually allows codes my account status incorrectly on my XXXX XXXX XXXX acct. XXXX! The code they use is, " XXXX '' That code represents = transfer/sold according to Equifax 's own legend via pdf. The correct code is either " XXXX '', = transfer/sold/paid or " XXXX '', = refinanced. " XXXX '' may also be used, which = paid & closed. But, " XXXX '' is the correct code. Equifax continually claims that it is the department of education that picks the code. However, after talking to " XXXX XXXX '', of the escalated services dept of Operations Services, she claims that the XXXX, is not privy to Equifax 's codes. She was not even aware of Equifax 's account Numbers, that pertain to The XXXX accounts on my Equifax report! " XXXX XXXX '', directed me to call Equifax , & request a discrepancy report by calling the XXXX directly @ XXXX. However, upon contact to Equifax they stated they could make no outbound calls. I spoke with a csr-XXXX, a supervisor XXXX ( XXXX ), and a manager XXXX in the consumer office of Affairs. Every Equifax representative insisted that the coding was on the XXXX, not on Equifax as a company. However, in talking to the XXXX, CFPB, and An FTC inquiry, I know that is not the case. XXXX, an Equifax supervisor told me that if " I wanted to complain about the XXXX, that I should talk to President Obama personally, that he was the only person higher, than any representative at Equifax. XXXX XXXX, stated that, " requesting Equifax to do an discrepancy report was " standard '' procedure. Equifax representatives, scoffed at such a suggestion. Even after conveying to Equifax , that I had consulted with an attorney, & knew the stays codes, they insisted that, putting a status code of " XXXX '' on my report & adding in " additional information '', .. That it has been paid! That is not correct!!!! Equifax has not even added an updated status reflecting that it is paid in full as of XXXX XXXX. It still shows -IN COLLECTION- as of XXXX XXXX. All Equifax reps say they will do is file a dispute, eve though 4+ disputes have been filed on this account in the last 365 days!!!! Experian, did file a discrepancy report, and my XXXX filing is now correct. XXXX is in the process of filing a disrepency report, but has properly updated my filing on my Equifax Report. Equifax , is not customer friendly. Even the Equifax manager I talked to XXXX, in the Consumer of office Affiars insisted that he knew more than me as an attorney, and that The XXXX, picks the stays codes, not Equifax. THEY ARE NOT THE XXXX STATUS CODES!!!!! NEITHER TE THE ACCOUNT NUMBERS ON MY EQUIFAX REPORT!!!! This has been a 9 month ordeal!!!! I have had to fight Equifax every step along the way!!!!! They do not have internal checks & balances, even if the information they put in reports conflicts with one another!
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 and XXXX  XXXX XXXX The accounts were 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: Account status incorrect

I have attempted several times to have inaccurate information removed to no avail. Names on my report are still incorrect. Address are incorrect. Employers are incorrect. Debts have been paid or settled yet negative information is still reflecting on my report. This information needs to be removed immediately.
Complaint sub-issue: Information belongs to someone else

EQUIFAX has somebody else 's medical debt listed under my credit file. I have called the XXXX XXXX XXXX listed on my report, and they stated they have no record of me, or any debt for me. It is not mine. It is a health care bill, and i receive free healthcare from the dept of veterans affairs, and there is no way it could be me. This is causing me some stress and I don't know if there was a breach or someone stold my identity. I have a fraud alert, and credit freeze on file with equifax, yet there is somebody ele 's debt listed under my name. I want it fixed asap!
Complaint sub-issue: Account information incorrect

My complaint is with Moneylion , Inc. who has reported inaccurate information on my credit report and have not removed after continued effort to resolve. 

I had a credit building loan that was shown closed and paid off on XX/XX/2020 as indicated on my Moneylion mobile app ( see attached screenshot ). As such I assumed my business with the company was complete at that point. 

In XX/XX/2020 while working on credit repair I noticed Moneylion reporting on my credit that I owed them a balance of {$47.00} which was confusing since as I mentioned the account was and still shows as closed and paid off in XXXX. XXXX XXXX sent a letter on my behalf and in which I receive an email from Moneylion denying their adjustment request. I disputed the error on my XXXX app but for some reason was unsuccessful in getting removed as well. In the meantime in XX/XX/2020 they reported me as being 60 days late. At that point since it was not a large amount of money I decided to just pay it on XX/XX/XXXX and was advised that the account was now closed and paid off. 

However, over the next couple of months I continued to get alerts on my credit report of being 60 days late reported by Moneylion. I continued to dispute with no success in removing. I called Moneylion and spoke to a representative that acknowledge the account was closed and paid off. They sent me a letter stating the account was closed in XXXX ( see attached letter and emails ). However, despite acknowledging the error for some reason they continued to report 60 days late for XXXX, XXXX, XXXX, and XX/XX/2020.
Complaint sub-issue: Account information incorrect

On XX/XX/XXXX I obtained credit reports from Equifax, XXXX, and XXXX. On all 3 credit reports, I noticed a total of 14 late payments still reporting on both of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX. XXXX has a policy that has been in place since XXXX surrounding approved forbearances covering and reversing any late payments obtained during that time. I reached out to XXXX via email to their Consumer Advocate Team to let them know that they were reporting late payments on my credit report that shouldn't be there according to their forbearance policy. I received a response 2 days later saying that all credit reporting information from their company is factual and I need to dispute it through the credit bureaus.
Complaint sub-issue: Personal information incorrect

I would like to request a security freeze placed on my XXXX XXXX XXXX. I choose to opt-out of your disclosing future information until further notice including the and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is G XXXX XXXX XXXX My address is XXXX XXXX XXXX XXXX OH XXXX. MY EMPLOYER IS XXXX XXXX XXXX. 
I have addresses on my credit report that do not belong to me please delete the the following : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX The following numbers are not my please delete them ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Complaint sub-issue: Account information incorrect

In XXXX 2016, I completed credit counseling in order to get a debt management plan. My payments from XXXX XXXX were changed from the XXXX of each month to the XXXX of each month. This was done in XX/XX/XXXX, as the debt management plan began on XX/XX/XXXX. However, I noticed that my payment made on XX/XX/XXXX through the debt management plan has been marked as 30 days late by XXXX by the credit bureau. I have disputed this with Equifax as well as requested a change from XXXX to no avail. All my other payments have been made on the between XX/XX/XXXX and XX/XX/XXXX through the XXXX and have not been reported as late so I am unable to understand the problem.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX  account number : XXXX ; ( listed twice on reports ) XXXX XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX  account number : XXXX ( listed twice on reports ) ; XXXX XXXX XXXXXXXX XXXX account number XXXX XXXX ; XXXX XXXX, account number : XXXX ; XXXX XXXX, account XXXX XXXX XXXX ; XXXXT, account number : XXXX ; and US DIST CT Bankruptcy dismissed : XXXX, no account number provided, Filed XX/XX/2021 has violated my rights. 

Under, 15 U.S. Code 1681, Section 602A states : I have the right to privacy. Additionally, 15 U.S. Code 1681, Section A ( 2 ) states : a consumer reporting agency can not furnish a account without my written instruction.
Complaint sub-issue: Information belongs to someone else

id theft victim. i have been fighting for years to keep these bad accounts off my reports. these are the accounts as follows. i have also attached a id theft report XXXX XXXX  / XXXX XXXX XXXX XXXX not my account XXXX XXXX XXXX XXXX not my account Public record bankruptcy is not my account
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN ACCOUNT THAT WAS PLACED ON MY CREDIT THAT I HAVE NO KNOWLEDGE OF. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNT DOES NOT BELONG TO ME.
Complaint sub-issue: Information belongs to someone else

I have been fighting ID THEFT for sometime now and have several fraud accounts reporting on my credit report. I have sent supporting documents showing this fraud. I have sent notarized documents as well as FTC complaint forms, yet to no avail.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX