Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

I mailed 3 rounds of dispute letters last one dated XX/XX/XXXXXX/XX/XXXXto both XXXX  and Equifax credit bureaus via certified mail to verify ( 2 ) accounts XXXX XXXX and XXXX XXXX from XXXX and ( 1 ) XXXX XXXX  from Equifax. Because this was not accurate information I asked for them to please send me a copy of the original creditors documentation on file to verify that this information is mine and is correct. Each time they failed to do so under the FCRA and sent me my dispute results as being verified. My question to them was how did you verify that this is accurate when you didn't send me proof. 

XXXX  also sent me my results dated XX/XX/19 that they have deleted XXXX XXXX but as of XX/XX/XXXXXX/XX/XXXXit was reinserted back on my credit report. This is a violation because I did not receive from XXXX an reinsertion letter within 5 days after it was put back on my credit report informing me of this. I sent a letter dated XX/XX/XXXX demanding to delete this because of their violation and yet again they came back with this item has been verified. 

Because of there failure to do so, I would like to file a complaint with you for both XXXX and Equifax.
Complaint sub-issue: Was not notified of investigation status or results

Acima has violated my FCRA rights with there inaccurate and/or inconsistent reporting. Upon viewing my credit reports I noticed ACIMA CREDIT XXXX XXXX had a discrepancy in the " payment history '', " date of last payment '' and " payment status '' section of the listings. XX/XX/XXXX is reporting a '' payment status '' of '' unknown '' yet in my payment history for whatever reason this item is reflecting as a charged off account. XX/XX/XXXXis also reporting a " date of last payment '' of " XX/XX/XXXX '' but in my pay history it reflects on time payment for the months of XX/XX/XXXX and XX/XX/XXXX however for the month of XX/XX/XXXX its reflecting as a charged off account. How can I be " on time '' and '' charged off '' at the same time? Im sure you can see my confusion on this matter Correct? XX/XX/XXXXis reporting my " payment history '' as a whole in a matter that's inconsistent. If it was intended for this item to be collections/charge-off then no payment history at all should be reflected. If this is the same account, reported by the same creditor how are these numbers and dates so inconsistent?
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/21 I sent a letter regarding the inaccurate and unknown things on my credit report. To this day I have not received response. I feel like im being taken advantaage of and being ignored of my disputes. Section 611 ( a ) it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. it has been over 60 days!! I demand these accounts be deleted immediately/promptly. I have gotten proof from the Bankruptcy court that the dismissed bankruptcy should not be showing on my credit reports. Delete all this inaccurate information That or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax breach and may have got into the hands of the wrong person.
Complaint sub-issue: Didn't receive notice of right to dispute

I reviewed my credit and there is a collection from Uplift Inc for {$280.00}. I had an account with Uplift that was resolved back on XXXX XXXX. I used Uplift in XX/XX/XXXX to finance a cruise for my honeymoon and unfortunately my fianc passed away on XX/XX/XXXX. I contacted them immediately and was advised the steps to take to file an insurance claim so that the cruise line could reimburse them and the account could be closed. I did exactly as directed and was told my account would be put in suspension mode until the death certificate processed. I received an email on XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX stating they received payment from the cruise line. This is the last correspondence I received from them on this account. I was never notified of an outstanding balance and I never received any correspondence from XXXX XXXX XXXX XXXX which is who I was recently told that the account had been turned over to. I have attempted to contact XXXX about this account but only get a recording that no one is available. I have done everything on my part that was required of me to resolve this account after filing the insurance and I do not agree that this debt is mine in anyway.
Complaint sub-issue: Money was taken from your account on the wrong day or for the wrong amount

I have over the last few months have had several withdrawals from my account by XXXX XXXX  XXXX CA. I have a son that's in college and told me to use this service to send him money. I did but I noticed every time after I sent him the money they would take out way more than was sent to him and what I authorized so I started to email and call XXXX XXXX XXXX and I was getting no where. Emails would be sent back to me stating that they were researching but they never did anything. You can not contact these people everything is electronic. So I finally just went online to my bank account and started o dispute the charges with my bank account last month. The last few weeks PNC Bank has started to reverse the provisional credits that they had given me for these charges giving me a the reason that the they are unable to research and or dispute outside or sorry third party vendor disputes and that I have to dispute directly with XXXX. I told them I tried for over a month and this is alot of money that has been taken out of my account they basically stayed on their script. They should it is nothing that they could do it is bank policy it will be denied and all the others will be denied. They basically told me that sorry we are not going to help you figure it out on your own, I have run out of options. I need this to be resolved I need my money back in my account because now my accounts sit in a negative balance. The charges that I am disputing are as follows : XX/XX/2019 {$160.00} taken from my account should have only been {$40.00}, XX/XX/2019 {$230.00} taken from my account should have only been {$20.00}, XX/XX/2019 {$600.00} taken from my account should have only been {$60.00}, XX/XX/2019 {$400.00} was taken from my account should have only been {$20.00}
Complaint sub-issue: Frequent or repeated calls

They called my phone XXXX A day. My phone is ringing constantly with calls from Conns XXXX XXXX. They call from a different phone number everytime, never the same number twice. So that makes blocking the calls impossible. The area are always different, my phone tells me it ConnsXXXX everytime they call. They mail my letters and send me emails daily. 
Their calls are disruptive to my life. They wake up my XXXX and interfere with my work.
Complaint sub-issue: Information belongs to someone else

I went to the bank to get a personal loan. I was told I didn't qualify for the loan. I was told It was because of my credit and I asked to see it. Here Is what is listed on my credit that Is not mine. XXXX, US DEP ED, XXXX XXXX, XXXX XXXX, XXXX, Afterwards I called the police and contacted FTC to see what was going on.
Complaint sub-issue: Can't temporarily delay making payments

I am currently in graduate school and have been for the past XXXX and XXXX  years. I have applied for deferment with Mohela numerous times and had been given the run around since XX/XX/2021. My XXXX (? ) loans are finally in deferment but despite me asking NUMEROUS times about why my cash loan continued to be require payment I was never given a real answer. It was not until I called this month and spoke with someone again that I was told there was a specific cash loan application ( This was new information to me ). I immediately had my school provide yet another deferment application despite having already providing documentation that I am in school full-time. I just saw they denied my deferment saying the account was 120 days past due. As I said, I have been trying to address this issues for almost and I have numerous emails on Mohela 's website showing my attempts to address this. I received notice this week they have sent my loan into default despite my attempts and providing proof that I am in school. I was denied the deferment despite finally being told that is what needed to happen. Can you please help?
Complaint sub-issue: Problem lowering your monthly payments

5 years ago XXXX called me and told me i was eligible for student loan forgiveness. i paid XXXX a month for the first 12 months and then XXXX dollars ever since till XXXX of 2018 when i found they were being sued by the federal government, not sure what to do know i have auccered and extra few XXXX dollars in interest i thought they were paying.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have purchased travel tickets during the winter for the travel in XXXX. Due to Covid, all flights ( 4 international tickets for my family ) have been cancelled. I have opened a dispute because the travel agency refused to refund the tickets. They were ignoring all requests and not refunding for months. Finally, got 3 out of 4 tickets refunded in XXXX and then received a note that the 4th ticket is not being refunded through Discover because they need more " proof ''. I do not understand what other proof they need, yet I have spend more months calling the travel agency and finally was able to get a written confirmation that they are refunding all 4 tickets. It has been over a month since then. Discover is still investigating the 4th ticket. I have called weekly and they refuse to connect me to a supervisor. Magically a supervisor is not available week after week and never calls back. I want to close this card and pay it off, but I can not do this until the dispute is finalized and I am refunded the last payment of {$1000.00}. Please help me, Discover has not been supportive and has not been my advocate through this difficult situation and has not assisted me through this dispute. They have put all the pressure of chasing the travel agent myself and did nothing to get my money back.

They are not providing an escalation point and have received all necessary " proof '' for the full refund. I don't know what else to do to get my money back for the travel that never occurred because all flights were cancelled.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I submitted a 609 letter to XXXX, XXXX & Equifax asking for proof of verification for the following unverified accounts.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

At XXXX XXXX use a cash app card for {$420.00} the card was declined the money was in the account so the money was taken out no receipt was given and the purchase was message to me as completed this happened on XX/XX/XXXX XXXX XXXX XXXX XXXX check the register transaction history and realize no money has been taken on their end and there is no confirmation number given and no history of the transaction I was told to put in a request at Cash app cash app do not have any form of customer service that one can speak to or resolve any type of dispute
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Credit inquiries that i do not recognize.
Complaint sub-issue: Their investigation did not fix an error on your report

LexisNexis filed a response to my last dispute stating they have removed a bankruptcy from my credit report. Their response also indicates that it was removed due to exceeding the timeframe for verification. They are refusing to admit that the public information was never verified. I have proof of the continual lies. The bankruptcy is still showing on my credit report even after LexisNexis claimed they removed it. The response from LexisNexis states that bankruptcy is verified with the Pacer system. MORE LIES AND I HAVE PROOF!!! There is no bankruptcy listed under my name in the Pacer system. This bankruptcy should be removed immediately
Complaint sub-issue: Can't decrease my monthly payments

I Have a loan with  discover student loa ns, when I left college to obtain a job I did not know how much the monthly payment would be, I turned out to be  XXXX  dollars like other recent grads I was astounded by the monthly amount. I asked for lower payments and they allowed me to file a payment relief but soon denied me without even sending me a letter stating why. It 's very disheartening to have over half of your monthly income taken by student loans. I am now almost 120 days late on my payment.
Complaint sub-issue: Reporting company used your report improperly

Equifax failed to enforce proper security to ensure that my personal and financial information are protected from theft, and thereby divulged my information without my consent. This was reported to me on XXXX/XXXX/XXXX by local news media. I have not taken any action against Equifax. 

In addition, I would report that I completed a credit dispute on XXXX/XXXX/XXXX. Equifax failed to properly follow up on the dispute, and the erroneous claim on my credit has not been investigated or removed.
Complaint sub-issue: Information belongs to someone else

I pulled my credit and I noticed that there were some incorrect items on my report, I have been contacting them since  XXXX . They have still not responded to my request
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I Recents really realize inquiries on my credit report that I did not authorize I have been a victim of identity theft with my ID and Social Security card was stolen I did send out letters. On XXXX XXXX XXXX  and XXXX  asking for this inquiries to be removed from my credit report that I do not authorize. customer service at XXXX or Equifax would not help correct my file by deleting the unauthorized inquiries reporting to my credit report. 
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 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: Problem with fees

The situation is as such : 1- I used XXXX XXXX credit card checks ( 0 % APR until mid-XXXX ) to the amount of {$20000.00} 2 - I continue to use my credit card for purchases, but ensure that I am paying off *more* than my full amount every month. 

I noticed that I am continuing to incur interest charges every month, and upon calling XXXX ( twice, last being on XX/XX/XXXX ) was led to believe that I would continue incurring these charge, should I use the credit card for purchases, at the rate of 16.24 % I believe that as per the Credit Card Act of XXXX ( 15 USC 1666c ( b ) ( 1 ) ) " In general Upon receipt of a payment from a cardholder, the card issuer shall apply amounts in excess of the minimum payment amount first to the card balance bearing the highest rate of interest, and then to each successive balance bearing the next highest rate of interest, until the payment is exhausted. '' Based on this law, any payments I make including my full monthly bill plus minimum payment should be going towards my higher interest rate, i.e. the purchases made every month. 

I was told on the phone ( twice ) that I would continue incurring charges for purchases I make, even IF I make payments that exceed the above-mentioned amount. I was told that the only way to stop incurring said interest fees at 16.24 % is for me to pay up the {$20000.00} + purchases in full, or to stop using my credit card for further purchases.
Complaint sub-issue: Account status incorrect

EQUIFAX, XXXX, XXXX ARE FRUADS!!!!!!! AND ruining consumers CREDIT!!!!!! I HOPE THIS COMPANY GETS SHUT DOWN By the government!!!! 

EQUIFAX DO NOT DESERVE TO BE IN BUSINESS SINCE THEY DO WRONG BY MANY CONSUMERS!!!! 

Im going to EXPOSE you in a LIE and keep it very short and simple. 

So, CFPB, pay attention to the details to what I state and the documentation for PROOF of what I say. 

I, XXXX XXXX, sent EQUIFAX an letter via certified mail ( I got the receipt ) dated on XX/XX/2022 and CLEARLY explaining to Equifax that there is billing errors- 15 U.S. Code 1666 - Correction of billing errors on my report and it needs to be corrected. 

I also called the same day to tell Equifax to update all the late payments on my report that its a billing error. They use the same old excuse that they have to investigate and it could take up to XXXX. 

What the the XXXX is that? I AM THE CONSUMER AND XXXX TELLING YOU ITS AN BILLING ERROR - 15 U.S. Code 1666 - Correction of billing errors AND TELLING YOU TO UPDATE AS PAID ON TIME So today, XX/XX/2022 I received a letter from Equifax stating they need they needs two forms of ID from me, keep in mind the first letter I sent had a copy of my drivers license in it, so now they using that as an excuse!!! 

Because remember I called them the same day to confirm and verify all MY INFORMATION!!! 

You XXXX crooks!!!! 

Yall just caught yall selves in a lie!!!!! 

so its clear that Equifax DO NOT follow Federal Law!!! EQUIFAX IS IN MANY VIOLATIONS AND NEEDS TO BE PUNISHED AND SHUT THIS COMPANY DOWN!!!! 

Equifax is putting out false information and misleading - 15 U.S. Code 1692e - False or misleading representations Equifax is - 18 U.S. Code Chapter 47 - FRAUD AND FALSE STATEMENTS Equifax is violating the Fair Credit Reporting Act - 15 U.S. Code 1681 - Congressional findings and statement of purpose Equifax is abusing me by reporting false information on my behalf after Im telling them of their wrong doings - 15 U.S. Code 1692d - Harassment or abuse Equifax reporting late on a open ended credit plan and that is a VIOLATION 15USC 1666 ( B ) EQUIFAX DO NOT RESPECT THE FAIR CREDIT ACT!!!! 

And for that reason they needs to shut you XXXX down I hate Equifax and as a consumer I have the rights to express myself!!! Yall are ruining my life and Justice needs to be done today!!!!!!!!!!!! SHUT DOWN EQUIFAX!!!!!!!!!!!!!!
Complaint sub-issue: Information is missing that should be on the report

I have a grievance concerning my actual accounts and good credit history that is not associated with the ID Theft Reports no longer being listed. Several of my accounts that are mine and are positive are no longer reporting. I am sure this is the primary reason that my score has dropped over 100 points. Because of this significant drop I have suffered loss of business opportunity and extensions of credit. I would like for those accounts not included in the Identity Theft Report to be placed back on my Equifax credit report and to remain on my credit report for the allotted time. I have provided a list of the accounts in the attached documents that show the accounts were on my report prior and are no longer on there. 

Second, I have three accounts that were submitted through an Identity Theft Report That are still appearing on my credit report. Those items are XXXX XXXX ( 4th company down listed on attachment XXXX ) and a duplicate reporting of the same XXXX accounts ( 2nd company listed down in the attachment XXXX ). The XXXX is reporting twice at the beginning as the first item on the credit report and again as the last item on the credit report. And actually the accounts are even misreporting as well because the account has been sold or transferred to a collection company by the name of XXXX XXXX. You can see that the phone number and contact details to XXXX XXXX are detailed in the contact area of the creditor contact information. I called XXXX and XXXX XXXX, who identified himself as a customer representative, stated he found no information related to any of my personal information related to an account with XXXX. Detailed information is again included with the documentation attached.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a couple of accounts being reported on Equifax that I have already asked to verify on multiple occasions because they are not reporting complete account information. 
There is no Collection Company Name Original Creditor Name No Contact Information So how are these accounts even validated? 
I have sent in a I have asked according to my right within the FDCPA Laws for a debt validation and still have not received anything. I am disputing these accounts and because the information being reported is incorrect and insufficient these accounts should be removed from my report immediately! These derogatory accounts are hurting my creditworthiness. 

Account XXXX Account XXXX
Complaint sub-issue: Investigation took more than 30 days

To Whom It May Concern : I received a copy of my credit report and am disputing some items that need to be deleted. why these items should be deleted are indicated below : Item # XXXX XXXX XXXX Reason for Deletion According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted several disputes with Equifax, XXXX, and XXXX regarding XXXX XXXX Credit Card ( XXXX ). I entered into a payment agreement for {$59.00} a month. XXXX has not been reporting payments each month and continues to report the account LATE and Charged OFF. The company is furnishing inaccurate information and has violated several FCRA rules.