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

Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Complaint sub-issue: Was not notified of investigation status or results

I called XXXX XXXX multiple times about follow up on file. I was in the XXXX  for about a month. I tried using the mobile app it did not work and I try calling multiple times I kept getting hung up on. I asked the rep to speak to a manager regarding cfpb complaint they said no one was available.Customer is not helping with my concerns and providing me any type accommodations.XXXX XXXX removed my automatic payment, stop calling me, and the app doesnt work.
Complaint sub-issue: Debt is not yours

IC SYSTEM TRY TO COLLECT {$340.00} DOLLARS. ORIGINAL CREDITOR 11 XXXX XXXX XXXX AND THIS ACCOUNT IT'S TOT BELONG TO ME.
Complaint sub-issue: Reporting company used your report improperly

Recently, I did an investigation on my credit report which caused sever XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Complaint sub-issue: Information belongs to someone else

I did not consent to, authorize, nor benefit from the following account. Block and remove it. 
XXXX XXXX XX/XX/2019
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

XXXX   XXXX  while I was in my   XXXX   XXXX   XXXX   XXXX  l I had to go to the hospital to get some   XXXX   XXXX   done for my  XXXX . My dad had paid all dues and bills and there was no issue. On the mistake of   XXXX   XXXX   themselves they charged my me with the bill of {$190.00} that had been paid, being in   XXXX   I  didnt know what a credit report was so I never checked it. Later in  XXXX  after I had entered the military it  was found that I had a collection from   XXXX   XXXX   in NY for {$190.00} still. My dad and I both called and the issue was fixed and the balance was cleared up and they sent letters to the TEK-COLLECT to close the collections account.  XXXX  at  TEK COLLECT said he m ailed letters to the credit companies saying it was cleared up. It never was till I called him months later, this time only   XXXX   was fixed. Here I am now almost 3 years later and I was just denied from a   XXXX   XXXX   on behalf of the companies not doing their  XXXX  job.  XXXX  did not send out the letters apparently to  XXXX  or  XXXX . Today I called  XXXX  and spoke to their rep and she said they mailed letters and would send some out today as well  XXXX / XXXX / XXXX . She assured me it was fixed on their end. So  XXXX  at  TEK COLLECT possibly have  ruined my career because of them being incompetent in their job.
Complaint sub-issue: Account information incorrect

On XXXX I sent in credit disputes to XXXXand Equifax. In the disputes I listed the XXXX XXXX XXXX XXXX Account that the Bureaus have listed on my credit profile. I stated in my dispute letter that this account was not mine. As you can see from my attachments, the account info that these 2 bureaus have listed does not match the account that belonged to me. 
Equifax has an account that ends with XXXX and XXXX has an account that starts with XXXX. 
As you can see from the invoice for my XXXX Account the Account number doesn't end with a XXXX and it doesn't start with a XXXX
Complaint sub-issue: Information belongs to someone else

The accounts listed bellow are fraudulent accounts I run my credit history and I found many fraudulent accounts this is a IDENTITY THEFT
Complaint sub-issue: Their investigation did not fix an error on your report

Hello, So I have a collection agency Hunter Warfield and XXXX   refusing to remove a collection on my record that is not mine. All other reporting agencies have removed this fraudulent collection. XXXX   is still illegally trying to collect from me. I live in a state with another with a similar name, XXXX XXXX. I looked further into this and the account looks to be owed in full by a XXXX XXXX. I did not live in this home. I have never received any type of notice that a collection was being placed or needed to be paid. I found out about this by looking at XXXX XXXX. I have tried to resolve this with both XXXX  and Hunter Warfield. But they refuse to listen or look further into it. This collection is not mine and is the reason I am currently homeless and unable to purchase or rent a home. I can provide a lease to show I was not living in this home at this time.
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I AM IN THIS POSITION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE BEEN LEFT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN THE STATE THAT IT IS IN. MY LIFE IS AT A STANDSTILL AND THERE ARE SO MANY THINGS I WOULD LIKE TO ACCOMPLISH. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT BELONG TO ME.
Complaint sub-issue: Account status incorrect

2 Loans Opened for supplemental funding of XXXX Studies : Loan 1 : {$6200.00} ( Paid in full XX/XX/XXXX ) Loan 2 : {$2800.00} ( Paid in full XX/XX/XXXX ) As of XX/XX/XXXX my credit report still shows the following debt : Account # : {$6200.00} Account # : {$2800.00} I have taken out multiple loans with this incorrect debt impacting my credit score and available interest rates. Discover has been reporting invalid debt for over 4 years.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Using my Home Depot Citibank credit card, XXXX To purchase lumber after receiving the lumber 12 days have come and gone the store refuses to I have someone pick it up because they use the COVID-19 as an excuse for not wanting to pick up the damage lumber. 
I had called the credit card to file they charge back they denied my charge back because theyre saying the store needs to get the items first. 
Which I explained that wouldnt be called a charge back that would be called the refund so 12 days now sitting with damaged lumber and them wanting me to pay for this damage lumber. 
So between the Citibank refusing to do a chargeback and the store refusing to pick up the lumber. 
They are forcing me to keep and pay for damaged material. 

Every time they allegedly say theyre sending a truck driver over I lug the lumber out put it on the sidewalk did drivers never show or the store managers say that I am trying to have them come inside do unit which is false. 

Today XXXX I logged lumber back out into the sidewalk the driver comes saying he can not except it it is not on a pallet. 

I walk to the store they refuse to wish me a refund I called the bank they refused to do a chargeback. 


They are refusing to do the charge back because the credit card is affiliated with the Home Depot. 

So they are refusing a dispute for a charge back out of prejudiced and biased.
Complaint sub-issue: Not given enough info to verify debt

I received a call from a lady I asked where shw was calling from she said D2 management. I am calling about a return check from XXXX XXXX. I advised her that debt was more than 10 yrs old I know that they are one of those comapnies that go thru old debt that has expired and try to collect. I advised her to remove my number and not to call again. She stated you know you owe it we are not going to stop calling. I advised her my husband just passed away this morning do not call here again. She states it does not matter we are going to keep calling I advised her I was going to report her and the company. She called from XXXX between XXXX XXXX/XXXX/2015. I called the number back .My husband just passed away this morning we called XXXX they rushed him to the hospital than pronounced him dead.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I opened a savings account with Citibank as a prerequisite for the Paycheck protection program with Citibank. The savings account is in good standing. However, upon requesting a confirmation and case number from Citibank for PPP ( applied around XX/XX/2020 ), the bank has officially not provided any support as I'm unable to provide them a conformation number or case number which was generated by the system in XX/XX/2020 upon completing the form online. 

At the same time, the bank is saying that I can not reapply as the PPP closed on XXXX. 
The bank is also not providing direction and clarity on why they have reported a charged off account when notice was not provided to the customer. The PPP processing is based on the credit score and  without any assistance by the bank on any aspect, it is extremely difficult for this single mother of XXXX origin recently divorced to navigate the PPP process. 

Additionally I also applied on the website of XXXX XXXX but was never provided any service after the initial inquiry.
Complaint sub-issue: Account status incorrect

I have reported to Equifax that XXXX XXXX has fraudulent charges on my account from when my identity was stolen and this was reported to XXXX XXXX over a couple of months ago and they still have not removed the charges and also did not verify the charges. I have also reported to Equifax that XXXX XXXX is reporting the incorrect balances and charges, mainly due to fraudulent charges and incorrect payment status. XXXX XXXX is also reporting different statuses on all of the credit agencies. I would like for Equifax to remove the XXXX XXXX account from my credit file.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit report act XXXX XXXX XXXX XXXX  have 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 an account without my written instructions
Complaint sub-issue: Debt was result of identity theft

Someone signed up for multiple accounts on my name while I was XXXX and even has another social security number, my ID information as well. 
-Jefferson Capital for XXXX XXXX The police report has been done and the account was removed from my credit report but its back. 

Also, XXXX XXXX simple has been ruining my credit for years. Company sold me faulty merchandise, I returned it and it still has a negative mark on my credit report. 

XXXX XXXX XXXX repeatedly reporting monthly on an account that has been closed and charged off. Theres no agreement. 

XXXX XXXX Reports wrong account to credit bureau of choice . Account information not correct or on all 3 reporting agencies.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX XXXX XXXX / XXXX Account # : 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: Personal information incorrect

I have sent them letters, request, I have called and yet they have not deleted the old, incorrect, outdated, obsolete information.
Complaint sub-issue: Reporting company used your report improperly

I, XXXX XXXX, a federally protected consumer, am filing this complaint against XXXX and there is no third party involved. I have sent out a letter to XXXX mailed certified dating XX/XX/XXXX. XXXX is in violation in regards to the information being furnished on my consumer report. I, the consumer, never gave XXXX XXXX XXXX any written consent nor authority to report to my consumer report. NO CONSENT = IDENTITY THEFT. The following fraudulent inquiries from XXXX. I did not initiate, authorize, benefit from, nor consent to any of the listed inquiries and I demand they be removed from my consumer report IMMEDIATELY, as they are a result of identity theft. XXXX. XXXX : XX/XX/XXXX. These fraudulent items on my consumer report is preventing me from having an equitable consumer report and causing great troubles obtaining personal property for my household needs. If XXXX can not provide to me a copy of when I sent a written permissible purpose to furnish these inquiries, I DEMAND these fraudulent, unauthorized inquiries be remove from my consumer report within FOUR ( 4 ) DAYS! If my demands are not met, I will hold XXXX CIVILLY LIABLE UNDER 15 USC 1681N FOR WILLFUL NONCOMPLIANCE AND AGGRAVATED IDENTITY THEFT PURSUANT TO 15 USC 1681A ( Q ) ( XXXX ). Attached is an FTC IDENTITY THEFT REPORT AND THE ORIGINAL CORRESPONDENCE SENT TO XXXX.
Complaint sub-issue: Frequent or repeated calls

Sallie Mae has contacted me all day, weekends, and holidays. They have contacted my mother and father more than once. I repeatedly told the loan officer I am still in school and I am still in an internship required by school and I will be submitting paperwork shortly. They are still calling and harassing me
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

I spoke with XXXX XXXX XXXX XXXX on XX/XX/XXXX about derogatory marks that were made on my credit with all three Credit Bureaus. The employee I spoke with Employee Number is XXXX. I explained that I had NOT receive any notice about my account being due for quite some time. I moved to XXXX GA six months ago and since that time I have not received any calls or communication from them.

I originally opened this account on XX/XX/XXXX. The original balance was {$3300.00}. The current amount that is due is {$540.00}. I asked Employee XXXX  why I had not been notified either through mail or e-mail about my current amount due. I was informed that XXXX XXXX XXXX XXXX  does NOT mail any statements to consumers. It communicates via email. I asked what e-mail address was on file, and Employee XXXX confirmed that the email address on file was INCORRECT. It appears there was a keying error by Conn 's.

The account has been reported as more than 130 days delinquent. As a result I was turned down for credit due to these deragoratory remarks.

I want the derogatory remarks REMOVED IMMEDIATELY. I was told that the only department that handles these requests is known as the " Offline Department '' and they do NOT take calls or communicate directly with consumers. I don't believe this is a fair trade practice and possibly deceptive. I don't recall being informed that decisions are made about my credit file by a department known as " Offline '' who will not take direct calls.

Employee XXXX  initially told me that she would forward my request in her own comments to this Department. I asked for a summary of those comments and she said that she had not written them yet. I explained that I can wait until she finishes because I'd like to understand what is being stated on my behalf. She asked me to hold on. About a minute later, Employee XXXX  relayed that her Team Leader instructed her to provide me with a Fax Number to the " Offline Department '' to submit my request. The fax number I was given is XXXX XXXX XXXX XXXX. I asked if there was an email address and the response was, no.

I have NO idea as to how long this can take. But my credit reports remain damaged and I do not feel that my consumer rights have been preserved by XXXX XXXX XXXX XXXX. 
Please help.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ;
Complaint sub-issue: Problem during payment process

I feel that discover card does not want me to pay my total balance off now that I can afford to do so . Two months in a row (    XX/XX/XXXX  and  XX/XX/XXXX  ) th ey did not draft the statement balance. They also did not notify me at all. Because I am fixing my financial situation, I am watching everything closely. That said, I caught it both times and called them my self to fix. After confirming with  Discover that my checking account number and my routing number we 're correct more than once, they now tell me there was fraud reported- in  XXXX . The y continue to jerk me around when all I want to do is pay them off. Please help?
Complaint sub-issue: Debt is not yours

Was informed by XXXX that the I C System account was verified and remaining on my report. I have not had any open accounts in over 11 years, and have never had an account with XXXX XXXX of any kind. This negative report has an open as of date of XX/XX/2019. This is not my account I have not open an account and more than 11 years. This account is not reported on any of my other credit reports. This account is not mine and should be removed from my credit report as false and untrue.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see page 8 attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

From XX/XX/XXXX-XX/XX/XXXX, my wallet and phone were stolen from my possession. They perpetrator who spent money on my account nearly XXXX dollars and they found me responsible for it because the police department failed to give me a copy of the police report I made XX/XX/XXXXand also said another reason was they seen a transaction before on my account which was named XXXX but anyways there where I found the suspect who stole my wallet and phone. There is so much stuff you can use or buy that will come up as a XXXX transaction that they shouldn't pin that on me. The third reason they said I would have to pay them back is because they called the phone to verify the transaction that took place but keep in mind that XXXX  don't need to be unlocked to be answered and they also didn't asked for verification of my identity at all. I was already on my way up to XXXX for vacation with my friends and I didn't try to call from a different phone because I thought nothing of the suspect being dumb enough to use my card and I didn't want to call from another phone to make it seem like I'm the suspect. so I went ahead and tracked the XXXX that got stolen from me and I seen they went all the way from where I live to XXXX, FL so I cancelled my trip to make my way out to getting my stuff back. so when I figured out how much they have spent on my account I called discover from the broken phone I retrieved after hunting this person down and explained only parts of the story about the fraud done so they can hurry and get this fraud off my card and stop my card from working anymore to the DISCOVER Card REPRESENTATIVE, she said everything would be fine and that we hold our customers 0 % responsible for fraud charges which is also on their website. so I'm waiting for a month then I see the charges placed back on my account because the decision is still going so every billing cycle I got ta pay a minimum amount of money I never used from them in the first place. Then when it reached end of XXXX I finally received a call from a case manager saying unfortunately we can't honor the fraud done because the police station failed to give me a copy of a police report and that they seen a XXXX charge before so I told the guy the full story and he said we will have it under review again for me then two more months past and I get a call from them saying " we still can't honor the 100 % fraud protection '' that they promote. So, I asked can I just fax you guys a witness letter saying what went on during the time and he said that I can try but basically said it won't work. So DISCOVER has me stuck paying them money I don't have nor spent in the first place
Complaint sub-issue: Frequent or repeated calls

I continuously received phone calls from Macys that exceed 4 times a day to my primary number. I had already advised the debt collector of max 3 times of day, they advise they use a dialer system and no way to know how many times they call. I filed formal complaint and evidence of phone records via fax on XX/XX/XXXX to fax provided ( XXXX ) XXXX and mailed a physical copy to the XXXX XXXX provided. I waited 15 days for a response were i called and made contact with a manager ID XXXX advised complaints received we receive a phone call from department that handle that part. I continue to wait for a response and on XX/XX/XXXX i received a call from the lead investigator XXXX XXXX and claims he had 15 days to respond since it was just provided to him. I allowed the additional 15 days to expire and still no answer to my complaint, i called again on XX/XX/XXXX ( XXXX ) XXXX and was advised XXXX XXXX not available and will contact me within 24-72 hrs. I fell this now gross negligence on the part of the investigator and Macys. I requested for all negative and derogatory reporting to my credit be removed while this investigation is on going, several violations could be happening and on going do to the system of debt dialer system that is being used to collect this debt. 

Example of a violations XX/XX/XXXX XXXX incoming XXXX 2. incoming XXXX 3. incoming XXXX XXXX. Incoming XXXX
Complaint sub-issue: Account status incorrect

I have a loan from XXXX XXXX, and 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 XXXX  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in XX/XX/2020, and XX/XX/2020. There was an error on their part. I was never 30 days late twice.