Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem getting report or credit score

Yes I want to file a complaint because equifax every time a credit pulls my credit equifax will not generate a report and I am turned down because of their incorrect database showing me non existing. I spoke with their call center in XXXX not XXXX ga they asked to provide a copy of my drivers license social security card and utility bill which I have mailed them in over 8 months ago still they have not added me to their database at age XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act convergent account has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for purpose.
Complaint sub-issue: Account status incorrect

My student loans were rehabilitated and as promised defaults were going to be removed from my credit report. The student loans were sold to another company, the company that previously owned the loans still reports the student loans in a negative status, and the negative status should be completely removed from my credit report.
Complaint sub-issue: Information is not mine

I have several hard pulls on my report that are not mine. for months I have been trying to work with eqifax and have even disputed the pulls. the dispute was entered at night and not 8 hours later they stated they investigated it and they were not pulling the wrong info down. I also disputed the info with experian and XXXX whom took my report and took the wrongful hard pulls down, started a fraud alert and were very helpful. Equifax is near impossible to get anyone that can or will do anything, today I filed a police report due to hard pulls that are not mine, Equifax stated they would not do anything about it. I 'm submitting complaint here in hopes to get action.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. There was a car loan that was taken out with XXXX XXXX The company listed on my credit report has 2 different names XXXX XXXX XXXX and XXXX XXXX XXXX The balance is XXXX and the date the loan started was XX/XX/2020. I informed the company that account does not belong to me and that I did not take out the loan nor did I have the car in my possession.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax, XXXX  and XXXX  not responding properly to false and incorrect information on my credit report that is related to XXXX XXXX loan. My address has been the same for 7 years and the address I use on my IRS tax forms so that neither Equifax XXXX  or XXXX  can use the excuse that my address doesn't match when it does in fact match and they have mailed me copies all three of them recently of my credit report. There is incorrect information that is inconsistent across all three bureaus and I am disputing and taking to court XXXX for their illegal practices and contract violations. The credit bureaus need to ensure that when a company submits data they are doing so accurately. With XXXX auto loans all they would have to do is look at my original loan contract and they would see that XXXX is falsifying documents and lying about the information. For example my loan was only a 72 month loan and documented on a contract. However, all 3 credit bureaus report the loan length at 80 months. Also, the account has not been charged off but paid in full. Dates, term amounts, amount owed and status are all inconsistent across all bureaus. The credit bureaus need to validate their source of information. I want all documents associated with XXXX XXXX XXXX that each bureau has recieved to validate the debt, sent to me within 30 days. 

If the credit bureaus can not validate the information they have to report the data on my report my next step will be legal action.
Complaint sub-issue: Information is not mine

I was a victim if identity theft and bank account take over from XXXX. I filed on all XXXX credit bureaus a freeze and fraud alert in XXXX. Equifax is trying to tell me the alerts have just been put on there XXXX. Obviously not true. I have a credit report from XXXX that clearly states when the report was put on all XXXX Equifax continues to state the freeze was not put on there until XXXX. Why would I put an alert on there in XXXX when I have n't used credit since XXXX. However, negative inaccurate information keeps popping up from XXXX. I call almost everyday and get told different things and I also keep getting told these negative accounts will be removed on certain days. This keeps getting prolonged. I have the documentation when I began disputing the inaccuracies. The first XXXX was XXXX XXXX, XXXX. I spoke to a woman named XXXX who would not give me her employee number. She again lied and told me the freeze was not on the credit until XXXX. I also provided them with XXXX complete police reports, certified letters sent to the companies that are reporting inaccurately, a notarized FTC statement along with a letter. According to the fair credit reporting act, negative information is supposed to be blocked out when proof is provided that is is the result of identity theft. I have spoken to the Attorney General and FTC. They have told me that Equifax is not in compliance and based on the statue could be held negligent for not removing and blocking the information. Evidently, this company has not responded in over 30 days. I have been made to wait almost 90 days and they refuse to delete the item. Any time I send in further evidence, they start a new investigation prolonging the current XXXX. I told them I felt they were doing this intentionally. The representatives lie and are very rude and unwilling to help. I have not utilized credit since XXXX. Equifax is also not following the statues put in place to protect identity theft victims from this sort of thing. Equifax has blocked me out of reviewing the status of the disputes and on the telephone, the representative told me I would have to wait for the mail to see what has been updated. I am sending in a complete package with all of the violations and all of the times I requested this to be deleted. You will see it began in the first week of XXXX XXXX. Equifax is intentionally causing these issues. I told them I needed to repair my credit in hopes of qualifying for a housing program for my children and mother. I have been told so many dates that the investigation would be complete. Equifax is lying. With the documents sent, Equifax is supposed to follow the statues. They are not. The bottom line is they are lying and they need to correct my report immediately.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I noticed 6 unauthorized transactions from XXXX I didn't do. I first contacted cash support in XXXX, never received a response. I contacted cash support again in XXXX. Finally received a response so I sent the necessary info but never received an response after that. I contacted once more in XXXX. Sent the necessary info again an was told that 2 of the transactions could be disputed because it was over 60 days but if you follow the timeline I been trying to get help well within that 60 days time limit. The only reason it went over 60 days is because either cash app support never responds or they take weeks to respond. The Cash App manager told me to contact XXXX about the charges which i did but 5 of the charges orders have been delivered so the only route to getting my money back is through an dispute which my card company  refuses to do. XXXX was nice enough to refund me for one of the transactions since the order was never delivered but the other 5 cant  since they were delivered. The cash app manager has been giving multiple responses/switching their reasoning on not helping on why he/she cant help me and now im 100 % sure she/he will say the 4 transactions in XXXX cant be disputed now because it been over 60 days. She/he doesnt understand the difference between authorized and unauthorized orders. Since I have legit orders with XXXX she/he feels like the unauthorized orders cant be disputed which makes zero sense. I was also told I was already refunded for the transactions in question but if you look at the bank statements it proves that not to be true. I was also double charge for the same unauthorized transaction twice. One of XX/XX/2020 and also again on XX/XX/2020 with the card I already reported stolen months prior. He/she doesnt even want to help with XX/XX/2020 transaction. I feel like Im being played with and not being took seriously.
Complaint sub-issue: Attempted to collect wrong amount

I had sold a phone i got and called my cell phone provider XXXX to close the account and cancell my service. They said they will get it taken care of. Got a bill in the mail a month later with ridiculous chargers. They never closed the account and the person I sold the phone too was using my old service which wasnt an unlimited plan. 

I call and dispute and they said they would fix it and dont pay the bill. So I dont Then I get 2-3 more bills in the mail with late fees and more charges from the provider. I dispute again and they tell me that I never asked to close the account. Which I did. So then they finally close the account and they tell me that I still owe that money even tho they messed up big time. 

I create a XXXX complaint and have corporate call me 3 times. By now they already but my stuff into collections still while its in a dispute phase. And they said they would look into it and they apologized but they never got back to me. When I followed up I got the head of corporate on the phone and they ensured it was going to be taken care of. 


3 years later its still in collections and they are still trying to collect a debt I dont owe. I disputed the debt with the collection agency multiple times. And they hang up ever single time. I call them back and they still hang up. 

I recently successfully disputed it without a hang up and they still are destroying my credit with false claims. I told them to send a itemized bill and proof of debt and they havent sent anything to me. No proof that its owed and no proof that it is my debt. 

Yet its still impacting me and my family.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

never applied for these accounts
Complaint sub-issue: Information belongs to someone else

remove the vioilations attached The Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/1977 ( and as subsequently amended ) is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. The statute 's stated purposes are : to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. [ 1 ] The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. [ 2 ] It is sometimes used in conjunction with the Fair Credit Reporting Act. [ 3 ] [ 4 ] jpmc : OCC Assesses {$60.00} Million Penalty Against XXXX XXXX, Orders Bank to Reimburse Consumers for Unfair Billing Practices XXXX XXXX : The bureau found XXXX XXXX violated the Consumer Financial Protection Act in the way it administered a mandatory insurance program related to its auto loans. ... As expected, the bank will be assessed a {$1.00} billion penalty from the CFPB and a {$500.00} million penalty from the OCC. no civil violations can count as debt XXXX XXXX : FTC Settlement Imposes {$100000.00} Fine Against Online Retailer for Failing to Post Required EnergyGuide Information for XXXX XXXX XXXX XXXX XXXX {$540000.00} Penalty Against Another Retailer For Similar Violations XXXX XXXX : The FTC also alleges that XXXX XXXX falsely told loan applicants that Investors Have Backed Your Loan while knowing that many of them would never get a loan, a practice that delayed applicants from seeking loans elsewhere. ... The company is charged with violating the FTC Act and the Gramm-Leach-Bliley Act.
Complaint sub-issue: Personal information incorrect

I have repetitive tried to get credit karma to change my last name to my new legal one since getting married XX/XX/XXXX. They refuse even though I have gave new drivers license, new social security card and marriage certificate.I want my last name changed from maiden to my married. From XXXX to   XXXX Contacted them XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX email and numerous times thru website. 

Thanks for contacting Credit Karma Member Support! We're currently experiencing high volumes and will respond to your message as soon as we can. 

We've received your request and created Ticket Number XXXX. If you'd like to add to your message, please respond directly to this email. As a reminder, here is what you submitted : XXXX, XX/XX/XXXX, XXXX XXXX PDT : Again I am requesting you change my last name from XXXX to XXXX as it is now been my legal last name for almost a year. 


Credit Karma Member Support, XX/XX/XXXX, XXXX XXXX PDT : Hello XXXX, Most certainly understand your concern. Credit Karma is not a credit bureau rather a Credit Monitoring Service and as such, we are unable to edit the information you see on either report and that would include your name change. 

You will need to contact XXXX and they will in turn explain what is required for you to make necessary changes. Once they have updated their file, you will then be able to make changes accordingly. 


Here 's how to contact XXXX to obtain your credit report, credit score, and or for any other reason : XXXX : XXXX ( general ) or XXXX ( fraud ) ; XXXX. XXXX  XXXX, XXXX, GA XXXX ; XXXX XXXX : XXXX ( general and fraud ) ; XXXX XXXX XXXX, XXXX, TX XXXX, XXXX XXXX : XXXX ( general ) or XXXX ( fraud ) ; XXXX. XXXX XXXX, XXXX, PA XXXX ; XXXX Hope this information proves to be useful. Should you have additional questions or concerns, please do not hesitate to ask. In the meanwhile, have a great day! 


Credit Karma Member Support XXXX, XX/XX/XXXX, XXXX XXXX PDT : I legally changed my last name XX/XX/XXXX -- -- -Original Message -- -- - From : Credit Karma Member Support ( Credit Karma Member Support ) XXXX To : XXXX XXXX XXXX : Mon, XX/XX/XXXX XXXX XXXX Subject : Re : Last name
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair Credit Reporting act XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$12000.00} XX/XX/XXXX 15 U.S.C 1681 section 602 A. states i have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 : IT also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Debt was paid

I cancelled a contract back in 2012 with XXXX due to a service not being provided. I spoke with XXXX and cleared up the charges owed and wary termination fees were also stated to be removed totaling around {$600.00}. HOWEVER. XXXX XXXX XXXX XXXX has a collections report on my credit history for {$1000.00}. In attempts to repair my credit over the last 7 years this company XXXX XXXX is the only company that will not agree to remove this old and cleared debt. I want this record removed from both XXXX and XXXX. I have disputed this several times without compliance.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2018 I sent up a payment for {$63.00} to be paid on XX/XX/2018 and XXXX   XXXX XXXX took two payments from my XXXX XXXX XXXX Account for {$63.00} and {$170.00} on the same day. I called to speak with a supervisor and asked that the payment for {$170.00} be returned back to my XXXX XXXXXXXX XXXX account because I did not authorize for two payments to be taken out of my account. I had already calculated my transactions and by XXXX  XXXX XXXX taking an extra payment out of my account of {$170.00} it would cause my account to be overdrawn and {$96.00} worth of fees to be assessed to my account. The representative told me that they could not void the second transaction but I could go into a XXXX XXXX XXXXXXXX branch to open up a new checking account and they would see if they could return the funds to a XXXX   XXXX XXXX checking account. I did not want to open up an account with XXXX   XXXX XXXX because in the past they promised to take care of their error with processing a payment a few years ago and failed to address their error then reported that I did not make my payment and closed the credit card account which subsequently impacted my credit score and credit file. 

When I set up my payment for {$63.00} no other payments was pending on the mobile app. The representative told me that I should not be using the mobile app to view prior scheduled payments but the desktop. I did not know that I could not rely on the mobile app because that's all I had been relying on in the last 6 months and it was not an issue to my knowledge. In all I had to go to XXXX XXXXXXXX XXXX  to complete a REG E claim to have the {$170.00} disputed and to date I have incurred {$96.00} with XXXX XXXXXXXX XXXX and {$82.00} worth of fees with XXXX XXXXXXXX XXXX because the representative and her supervisor would not cancel out the second payment that was not showing in the mobile app of their system. 

Additionally XXXX XXXX  XXXX has recently reported that I did not make my XX/XX/2018, XX/XX/2018 and XX/XX/2018 because of their error. I have proof that these payments and the additional payment that came out of my XXXX XXXX XXXX checking account. Even after the XXXX  XXXX XXXX staff made an error a few years ago with failing to process my payment and closing down the account, I still have been faithfully paying the account. However, they have not been reporting my payments to the credit bureau as they promised. I need for the Consumer Financial Protection Bureau to launch an investigation against XXXX XXXXXXXX XXXX because I have asked to speak with the Escalation Team within the Office of the President and the representatives refused to escalate my call. And their staff refuses to correct all their errors.
Complaint sub-issue: Received bad information about your loan

I re-applied for my income based loan program and linked to the IRS. The link was successful. Now, my interest was capitalized and the program was not applied. I do not belive it is my responsibility to manage the technology of NelNet, and if the link didn't work, they should take steps to rectify. I will call them again, however, the customer service usually provides incorrect information. Last time, the reapplied my payment incorrectly, causing a " late '' payment and the loss of a .25 % interest rate reduction. This company is dishonest and is taking advantage of borrowers just trying to make ends meet and pay off student loans.
Complaint sub-issue: Didn't receive enough information to verify debt

I received one mysterious email from IC system to click on a link regarding a debt. The link didn't work and I assumed it was spam or a scam. They sent another. Same thing. The below information is all I have so number. Nothing in the mail, nothing tangible and no calls. This company is either a scam or if legit not handling things properly. It says a XXXX account yet I have not had XXXX since switching services last XXXX of 2021 and my bill was paid in full and I have an email from the escalation team bringing my balance to XXXX. Even when I called them the number always states nobody is available. 

XXXX
Complaint sub-issue: Information belongs to someone else

A fraudulent account is reporting on my credit file that is not mine and I have NO knowledge of.
Complaint sub-issue: Their investigation did not fix an error on your report

THIS IS MY LAST AND FINAL NOTICE I AM WRITING BEFORE REACHING OUT TO MY ATTORNEY GENERAL. YOU HAVE BEEN REPORTING FALSE INFORMATION ON MY BEHALF. I HAVE BEEN DISPUTING XXXX  XXXX XXXX XXXX, YOU RESPONSE ON XX/XX/2022 ALWAYS BEEN ITS NOT LISTED COMPLAINT NR XXXX. I PULLED MY CREDIT TODAY AND IS STILL REPORTING AND IT WAS UPDATED YESTERDAY XX/XX/2022. CAN YOU EXPLAIN TO ME HOW ARE YOU INVESTIGATING? DO NOT CONFUSE MY NAME WITH ANOTHER NAME. YOUR RECKLESS, WILFULL, WANTON NEGLIGENT INVESTIGATION IS DAMAGING MY CREDIT. DEFARMATION OF CHARACTER DELETE IT NOW.
Complaint sub-issue: Problem with statement of dispute

I received a letter from XXXX on XX/XX/XXXX letting me know that they had asked the XXXX reporting agencies to " delete the account ( s ) from your credit report. '' Good deal -- that 's what I had requested of XXXX. XXXX and XXXX quickly complied with XXXX 's request. EQUIFAX would n't delete the account even though I disputed it twice in XXXX and XX/XX/XXXX and sent the letter from XXXX to them twice. I need help in getting EQUIFAX to comply with XXXX 's request to delete my account.
Complaint sub-issue: Account information incorrect

This was not sent an error I am a concerned consumer, my information is being misused and the credit bureaus are taking advantage of me and my consumer report.I have sent letters addressing my concerns and they are still violating me.
Complaint sub-issue: Not given enough info to verify debt

I have requested several times that this company send me formal debt validation. I am allowed under the Health Portability and Accountability Act ( HIPPA ) to protect my privacy and medical records from third party parties, I did n't give permission to any of my current or prior providers to release any medical information to this third party. Please also note that withholding that information that was received from any medical provider in an attempt to be HIPPA complaint can be a violation of the FDCPA.
Complaint sub-issue: Fee problem

Usbank and XXXX refuse to do anything after someone scammed my account. I disputed the claim and they denied me, but sure as heck they charged XXXX overdraft fees in the same day. They refuse to do anything to help me and Ive never filed a dispute in my XXXX years of banking with XXXX BANK. Do not use this bank. They will charge you fees up the XXXX and then refuse to help their customers
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the FAIR CREDIT REPORTING ACT XXXX  accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is violating my rights under 15 USC 1681 section 602A, 15 USC section 604A section 2 and 15 USC 1666B view attachments below. Also in accordance with THE PRIVACY ACT OF 1974 as amended, 5 USC 552a. 
Also in accordance with TITLE VI OF CONSUMER CREDIT PROTECTION ACT. View attachments below.
Complaint sub-issue: Can't use card to make purchases

On XXXX XXXX, we reserved a rental car online thru XXXX. They reserved in calif but billed to their head office in XXXX XXXX. This was 'suspicious ' according to Elan so they blocked our card without notice. It was a Fidelity card issued by Elan Financial Services. 
We called and supposedly had our card unblocked especially the XXXX charge, that we advised was legitimate. When we traveled to pick up the car XXXX XXXX, ..it was still blocked! We called again and unblocked it again. 
Our complaint speaks to the general issue of blocking cards without notifying card users. 
Of course we are cancelling this card, the agrivation became just too much. However, we would welcome regulation that would require card holders to be notified of blockages. In some ways I feel they were harassing us to get us to cancel due to our age. 
Our card was blocked nearly every other month we used it.