Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Attempted to collect wrong amount

On XX/XX/XXXX I called XXXX XXXX XXXX Afni Account # XXXX, with the original creditor being XXXX XXXX XXXX, creditor account # XXXX to pay the the discounted amount of {$180.00} to settle me debt. This was all verified and confirm over the phone. I just received my Bank Statement and they charged me for the full amount of {$370.00}. I then called today XX/XX/XXXX at XXXX to dispute this transaction and Afni Account stated I have to wait 6-8 weeks for them to refund the money and then they will return the account to my credit report as being charged off, then I would have to repay the account again with me telling them I want to pay the discounted amount, not the full amount, which I already told them all this when I made the payment XX/XX/XXXX. 

Afni Inc stated I did not tell them I wanted to settle my debt at the discounted price of {$180.00} so they charged me the full amount of {$370.00}. How ridiculous is that statement? 

I then asked for a confirmation number or reference number for record keeping and to have proof the conversation between me and the creditor occurred on XX/XX/XXXX and the creditor who was on the other line of phone # XXXX XXXX XXXX at XXXX stated, there is no proof or record keeping of this transaction, the proof is me telling you what's going to happen, which is I wait 6-8 weeks, they then return my money of {$370.00} along with my charged off debt on my credit report, once this happens and I see it on my bank statement, I call them and tell them I want to pay the discounted amount, not the full amount. etc..
Complaint sub-issue: Debt was result of identity theft

I AM A VICTIM OF IDENTITY THEFT, I NOTIFIED XXXX CREDIT BUREAU, THEY WERE SENT NUMEROUS TIMES FCRA 605B, MY IDENTITY THEFT POLICE REPORT, MY ID, EVERYTHING THAT IS REQUIRED TO HAVE AN ACCOUNT THAT IS ON MY XXXX  CREDIT FILE THAT IS A DIRECT RESULT OF THE IDENTITY THEFT I SUSTAINED, THEY REFUSED TO REMOVE IT. THE ACCOUNT IS FROM A COMPANY XXXX XXXX AND I ASKED WHY THEY KEEP ON LEAVING IT ON MY FILE, THEY SAID BECAUSE THE COMPANY XXXX XXXX XXXX KEEPS ON REPORTING IT TO US AS A GOOD ACCOUNT, SO I SENT XXXX XXXX  A LETTER AND A COPY OF MY POLICE REPORT FOR ID THEFT AND THEY STILL REFUSE TO REMOVE IT. THE FCRA STATES ONCE A CONSUMER ADVISES YOU THAT THERE IS A FRAUDULENT ACCOUNT ON THERE REPORT AND HAS PROOF THAT IT IS LIKE A POLICE REPORT STATING JUST THAT THEN YOU HAVE 4 DAYS TO REMOVE IT, OR YOUR IN VIOLATION OF THE LAW OF THE FEDERAL GOVT. NOW I DIDNT MAKE THE LAW, BUT I WANT THE LAW ADHERE TO NOW!!! I WANT THAT ACCOUNT BLOCKED FROM MY CREDIT REPORT ( XXXX ) AND NEVER PIT ON THE REPORT AGAIN ... SO I WANT XXXX   CREDIT BUREAU AND XXXX XXXX XXXX TO HAVE THIS REMOVED IMMEDIATELY ...
Complaint sub-issue: Account status incorrect

I have a credit card with XXXX/XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX/XXXX with no successful resolution. XXXX, XXXX, and Equifax only reporting me 30 days late payments. There was an error on their part. I was never 30 days late.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

hi, little over a year a go my ss # was used without my knowledge work with the irs and several creditors to get this matter cleared up.
Complaint sub-issue: Account information incorrect

XXXX XXXX said I was never. I have never been late
Complaint sub-issue: Information belongs to someone else

I would like to place a formal complaint against for violating Equifax my FCRA rights and my privacy. They have placed a public record on my consumer report that should not be there : XXXX XXXX - XXXX XXXX Bankruptcy - XXXX # XXXX. I reached out to the courts who verified that they do not report bankruptcies to the credit bureaus. I have attached the letter that I received from the court. They are in violation of my rights pursuant 15 usc 1681b under permissible purpose. They never validated nor verified anything with anyone at the courts. Equifax is violating multiple laws including : The reporting requirements do not comply with FCRA 611 ( 15 U.S.C 681I ) and the information must be deleted immediately. The civil liability law which I will sue under is clearly here : 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Failure to Comply or delete these items is a clear violation : XXXX XXXX XXXX XXXX XXXX Bankruptcy - Reference # XXXX Code 1681n - Civil liability for willful noncompliance ( a ) In generalAny person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and these inaccurate items must be deleted from my consumer report. Please help me get this violation removed from my credit report. They are unverifiable. Please see also the attached dispute which also points out multiple inaccuracies.
Complaint sub-issue: Information belongs to someone else

I AM A VICTIM OF ID THEFT. PLEASE REMOVE THE REMAINING ITEMS LISTED ON MY FTC REPORTS.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall ot furnish any information relating to a consumer to any consumer reporting agency ifthe person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I recently became a XXXX XXXX XXXX XXXX  XXXX veteran. At the time I had good and excellent credit scores with transunion and equifax. 

a benefit I applied for was an XXXX XXXX charge card. I got the card with. {$5700.00} credit limit. 

My credit scores immediately dropped by 120 points because I got the XXXX XXXX card. I am debt free and had no credit problems before this event. 

Now my credit scores are in the 500s and 600s down from the mid 700s just as I was approved to buy a home by my credit union. Now, my suddenly poor credit will be used against me in every arena all because I got a military charge card that I havent even used. 

So, in essence, Equifax and XXXX  are telling the world Im a poor credit risk suddenly because I got a XXXX charge card. As far as im concerned, this is criminal defamation of my character because I pay all my bills on time, everytime. 

These credit reporting agencies need to be invested for ruining peoples lives and reputations like they did mine. 

Im XXXX years old and dont have time to rebuild their opinion of my fiscal responsibility which is excellent despite their algorithmic opinion of me as an individual and American Military Veteran. 

They have ruined citizens lives numbering in the millions all the while enjoying the fruits of their corruption. 

Shut them down and start a whole new system to determine credit worthiness period!
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX  are reporting incorrectly a collection/chargeoff in the amount of {$230.00} on the XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) I cancelled this account well within the time allotted per the contract but they continued to charge the account. The representative I spoke with at XXXX assured me that this was their error and that they would correct the issue. The representative also assured me the account was in fact closed and in good standing and that this account would not go to collections. There is no outstanding balance due and therefore nothing to collect/chargeoff. I never received any correspondence from XXXX that this account was allegedly in jeopardy. I did not know this account had even gone to collections until I obtained a most recent copy of my credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have called XXXX and I have contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Account terms

XXXX is currently reporting a balance of XXXX on my credit reports. I received XXXX different notice of collection from XXXX different agencies. XXXX sold the account so they need to report a {$0.00} and also tell me who the debt ACTUALLY belongs too. I have attached documentation from each CA and my report still has the balance. They are reporting inaccurate information.. False or misleading representation of debt amount is illegal as well as unfair. If this is not resolved then I risk having XXXX different companies reporting the SAME debt ... the XXXX companies are : XXXX, XXXX XXXX and XXXX XXXX ... These practices are not fair.
Complaint sub-issue: Public record information inaccurate

Per Equifax XXXX and XXXX XXXX XXXX are reporting at least XXXX bankruptcy # XXXX # XXXX # XXXX in which they all state that this has been filed jointly with someone else which this XXXX is inaccurate information per usc 1681 b permissible purposes which means I have a right to be notified when these credit reporting agency are putting information on your credit report all XXXX of these credit reporting agencies have never called or sent anything in writing per usc 1682a that I as the consumer have a right to fair and accurate credit reporting when I filed a dispute with XXXX they re verified information that the reported I am Also a victim from the data breachs in which XXXX and equifax and XXXX had which cause my soical to be leaked on the dark web.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

there are 2 inquires i've called about and mailed letters regarding. 


the 2 inquires are from XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX
Complaint sub-issue: Problem accessing account

PNC makes it next to impossible to link your checking account with any sort of banking app. Anything from pay day loans to XXXX XXXX. After years of service, I will be switching my account to another bank.
Complaint sub-issue: Their investigation did not fix an error on your report

I was on XXXX XXXX orders from XX/XX/XXXX to XX/XX/XXXX. I was on military forbearance with the XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I was taken off forbearance and was told that my military orders were not valid and I no longer qualify for military forbearance. I tried to get this taken care of for years, but eventually, they stopped answering my emails and phone calls. From XX/XX/XXXX, I was considered a XXXX veteran and had gotten this debt deleted ( not on credit bureaus but with the government ). Also, I want to note I was a full-time student from XX/XX/XXXX to XX/XX/XXXX This account went delinquent XX/XX/XXXX and finally counted as paid off in XX/XX/XXXX ( 10 months after I was a XXXX  and XXXX-XXXX  XXXX, which is still reflected in my report ). 

The XXXX XXXX XXXX has been a nightmare to work with while in the military. They need a military-friendly finance center. When it came time to have my loans deleted with XXXX, it took months to get ahold of someone so that I could pay them! 

I called the XXXX XXXX XXXX with this issue and surprisingly got a call back from my student account advisor and was told that she could do nothing to rectify this and that I must dispute. I disputed multiple times with all three bureaus and have gotten no real investigation. I have similar student loans with XXXX, and the late payments were deleted from all reports. The XXXX XXXX XXXX has to answer for their negligence and delete the late payments from my account.
Complaint sub-issue: Reporting company used your report improperly

In according with The Fair Credit Reporting Act XXXX  Account # s Below has violated my rights. 

15 U.S.C 1581 Section 602 A States I have the right to privacy.

15 U.S.C 1581 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 

EQUIFAX HARD INQUIRES XXXX XXXX  Banking XX/XX/XXXX XXXX XXXX XXXX  XXXX Banking XX/XX/XXXX XXXX XXXX  XXXX XXXX Department And Mail XXXX XX/XX/XXXX COLLECTION XXXX XXXX  XXXX XXXX XX/XX/XXXX {$30.00} CREDITOR NAME ADDRESS PHONE NUMBER XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MO XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX XXXX XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX, XXXX, MI XXXX BYMAILONLY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, MO XXXX ( XXXX ) XXXX XXXX HARD INQUIRES XXXX XXXX  XXXX Banking XX/XX/XXXX CREDITOR NAME ADDRESS PHONE NUMBER XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX, XXXX, MI XXXX BYMAILONLY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX Reported : XX/XX/XXXX {$18000.00} Closed XXXX  Reported : XX/XX/XXXX {$3500.00} Closed XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed XXXX XXXX  Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed HARD INQUIRIES XXXX Banking XX/XX/XXXX XXXX  XXXX Banking XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XX/XX/2018 I went to XXXX XXXX with my pre-approval from XXXX XXXX. I informed the salesman XXXX that i did not want my credit pulled to other lenders because of my existing offer with XXXX XXXX. I wrote on my credit application, I only authorize for XXXX XXXX. XXXX XXXX a finance manager at the dealership sent my credit report to multiple dealers. I spoke with the salesman and the finance manager which both of them acted as if they knew nothing about it. I need the inquiries to XXXX XXXX, XXXX, and XXXX XXXX deleted from my report. I am livid that they misused my credit application for their own benefit.
Complaint sub-issue: Debt was result of identity theft

I have no recollection of this account nor this debt I have been a victim of identity theft, Ive already complained before, and Ive also had to close and open up a new checking account as a result of the identity theft
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX account number XXXX is reporting with incorrect negative remarks. I have closed, settled and Paid XXXX in full. Per my understanding and agreement the account should report as paid and closed, no negative or updates should be reporting after settlement. The account has Unavailable data for 2 years then there is an incorrect Charge off reported on XX/XX/2022. I am beyond disappointed on the inaccuracy of my report which I have disputed multiple times before and I'm still unsatisfied with the answers I have received. The information reported on the account XXXX is damaging financial and misleading.
Complaint sub-issue: Other problem getting your report or credit score

Hello, I can not get my credit report from Equifax. I have tried to talk with about 25 people at Equifax Customer Service over the last week ( XX/XX/XXXX-XX/XX/XXXX ) and Equifax refuses to assist me. I have reason to believe they are showing me as XXXX because my credit report from a third party aggregator of three credit reports shows a note about me being XXXX. I am not XXXX. I have confirmed with the Social Security Administration that they do not show me as XXXX. I need this cleared up yesterday, as I am trying to close on a home loan that is now in jeopardy. I need Equifax to respond to me, but they refuse to talk to me, let alone check with SSA to confirm the record with SSA.
Complaint sub-issue: Sued you without properly notifying you of lawsuit

I bought a home to be built. The builder built it wrong making it unlivable. XXXX XXXX XXXX. I didnt live there. Homeless did. Finally, I lawsuit the builder and won last month. 
So the builder put the house together. I decided after the bad experience I would sale the house. So I sale it and get into escrow and find out that XXXX and XXXX put a lien on my house without notifying mail. I couldnt even receive US mail at that address for years. They fraudulently didnt contact me. I sent them a copy of everything Im telling you. The XXXX XXXX report and the XXXX report. Deadly mold.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

15 U.S.C 1681 section 602 A. States I have the right to privacy 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: Don't agree with the fees charged

Around XX/XX/XXXX, I noticed that one of my loans could fully be paid off with my then-current paycheck. That month, instead of paying the minimum amount for each loan, I paid one of the loans back in full, while paying the minimum amount due on the others. The month after that, the payment amount due for that specific loan showed up in parentheses. I did n't know what the parenthetical meant. I assumed that it meant I had overpaid by that amount and that it was due to me as credit. The next month, I was still unsure about the loan amount in parentheses, so I just used the option to pay the minimum amount due on all of my loans. I noticed that this increased the amount in parentheses. So I stopped paying that loan all together. In XX/XX/XXXX, I checked in to my FedLoan account to see the amount due for XX/XX/XXXX. I stated an amount of XXXX. I had been paying back my loans on time and I also had applied for some financial hardship deferment earlier this year, but I was n't sure if that had gone through since some months showed an amount due and other months showed {$0.00} due. But in any case, it stated that I owed {$0.00} for XX/XX/XXXX. A few days after this date, I double checked my account and this time it said that my payment was 6 days late and that I was in delinquency. When I called Fedloan Servicing to inquire about this, I was met by one of their employees, XXXX. I did n't write down his employee ID number because I did n't think I 'd need it. When I explained my situation to XXXX, he was incredibly unhelpful. I repeatedly told him that I was seeing an amount due in a parenthetical, but he kept telling me that since he was n't seeing that on his screen that I was wrong. It was like talking to a wall. I respectfully told him that there must be a glitch in the system because I am seeing the parentheses. He simply said that he was n't seeing it so it must not be true. At this point, I asked him to redirect me to his supervisor. He became silent. I then politely asked for his employee ID number again. He ignored this request and told me that he would direct me to his supervisor. When I asked him again for his employee ID number he became completely silent. He then put me on hold saying that he was directing me to his supervisor. Now, I had called them around XXXX EST. Their hours are until XXXX EST. XXXX put me on hold just long enough until it became XXXX EST then promptly hung up the phone. I apologize my situation sounds so convoluted. To be honest, I am confused as well. But I think that is just a reflection of the way FedLoan Servicing is handling my loans and its repayment. I make payments on my loans on time and have been a good client. They are using confusing symbols on their page with no explanation and posting false amount dues on their page, thereby forcing clients such as myself to go into delinquency. This is affecting my credit score and I do n't know how to solve the issue. Please let me know if I can clarify this more. I am happy to work with you to resolve the matter.
Complaint sub-issue: Personal information incorrect

Purchased auto - dealer sought credit from XXXX XXXX who denied based on information from XXXX XXXX. The score reported was grossly less than any other credit bureau and was purportedly based on limited history at address ( lived at address 22+ years ), phone ( do not have landline phone, cell phone number for 15 plus years but with two providers ), length of history at this phone ( see above ), length of residence too short ( 22+ years ca n't possibly be too short ), and proportion of satisfactory trades too low ( what the heck is this ). I have never heard of XXXX XXXX and will not share personal information with them to purportedly address these matters. They need to be shut down as they clearly are not taking any meaningful steps in building credit files.