Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with personal statement of dispute

I called Equifax to have my dispute remarks reported as now resolved XX/XX/2021. I waited the 30 days however one acct did not get fixed. I called again on XX/XX/2021 and was told it was upgraded to the consumer affairs department due to a glitch in there system and would be resolved in 72 hrs plus I would receive a phone call from them at the 72 hrs mark. No phone call, no repair for my comment to say no longer disputed by consumer. I called again XX/XX/2021 and was told they upgraded my complaint yet again. I called back today XX/XX/2021 and was hung up on, no rectification of issue. This is impacting my family and I life. All that needs to be done is my comment to be changed that I no longer dispute this item. Please help Im trying to buy a house and am suppose to close in a week.
Complaint sub-issue: Information belongs to someone else

Equifax has a medical bill collection that does not belong to me. It also shares enough information about the account of that bill which is a HIPPA Violation! I want this incorrect account off my credit report. I have tried everything to prove I am a victim of Identity theft. Still to no avail no one from this company will help me. I provided all necessary documents in order to prove my case. I also have 2 fraudulent accounts from XXXX XXXX XXXX XXXX on my credit report. I want this matter resolved immediately.
Complaint sub-issue: Reporting company used your report improperly

XXXX refuses to remove an unauthorized inquiry from XXXX Bank XXXX refuses to correct my name legally despite being sent a copy of my drivers license 6 times. I don't have variations. I have 1 name. 

Their internet document upload does not work They ignore my certified letters 6 of them. 

Equifax refuses to remove an unauthorized inquiry from XXXX XXXX XXXX. I called the company 3 times and they have no record of any application or Equifax contacting them. Equifax refuses to remove with a FTC report. I provided a previous FTC no but that's not good enough
Complaint sub-issue: Problem lowering your monthly payments

After several phone calls I received a voicemail and returned the phone call to the XXXX XXXX XXXX XX/XX/XXXXXXXX. I had also just received my first loan payment letter stating I had a payment that was going to be due in the next month. I had the semester off during Fall'XX/XX/XXXX but already enrolled for Spring 'XX/XX/XXXX. I was confused by the notice and the phone calls from this company. I had gone ahead and called the XXXX XXXX XXXX XXXX  XXXX back to see what the deal was with their calls. I spoke to a man named XXXX. He already had all of my account information which seemed both alarming yet reassuring to me. I felt that the knowledge of what I went to school, the company my loans were through and the history of my loan payments made things seem more legitimate. There were very few errors in the details he told me regarding my current loans and status. I am very skeptical so this is an incredibly embarrassing situation for me to be in right now. Going through the process of giving him the information of the company I currently work for, the approximate yearly income I was making and a few other details that did not seem to be too sensitive, not my SSN, DLN, account numbers or anything of that nature. He informed be that I qualified for a public service loan due to the hospital where I currently work. He then informed me of the payments I would be making for the first five months and so on. These numbers seemed way way to good to be true, so I continued to ask some more questions about the adjustments, where to see this information posted and so forth. He informed me that everything would be visible through the loan website where my government loans were taken out of. This was easy to do! What had I been waiting on? What a deal! What I was not expecting, because there was no permission and no bank account information given, was to find in the following week for {$450.00} to be taken from my account. This occured the following month as well. In an attempt to immediately address the problem I called the company who is in charge of my loan to inquire, as well as my bank. Due to the XXXX holiday these places were closed. Following the XXXX holiday a second withdraw was made. This again was not something that was approved or authorized by me. This is being done through a bank account that the account numbers have never been shared and I am the only name on the account. I have no idea on how this happened. I immediately tried contacting the SFLA company to see what was happening. I called their listed number, XXXX and waited for the prompt to enter XXXX XXXX 's ext. in, that prompt never came. I sat and listed to the hold music for over 1 hour and no one every answered the phone. I have filed a fraud notice with my bank for the grand total of {$910.00} transactions on XX/XX/19 and XX/XX/19, for an investigation or at least fraud protection to be set in motion. Please look into this company and shut it down.Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX Reported to Equifax that i have a balance of XXXX with XXXX XXXX XXXX XXXX. I settled This account over 2 months ago. I received a letter from the creditor stating that the account is paid. I have since disputed the item with Equifax. Equifax says that the Creditor has told them that i still owe the debt as of XX/XX/18. XXXX at Equifax said that XXXX  said i still owe, XXXX XXXX from XXXX on behalf of XXXX XXXX XXXX says that XXXX can not help me and will not fix this credit reporting error.
Complaint sub-issue: Not given enough info to verify debt

Enhanced Recovery Debt collector re-aged a debt that had been placed over 8 years ago and lists it as new. XXXX rejected the complaint.
Complaint sub-issue: Their investigation did not fix an error on your report

This problem is with XXXX, In XXXX I had a account with Best Buy that is held by best buy, This account was opened XX/XX/XXXX They say charged off as it was going through Bankruptcy they started this XX/XX/XXXX, at this time my credit took a point loose. Then in XX/XX/XXXX they marked bankruptcy, They although tried to hit my cerdit report with saying I claimed bankruptcy in XXXX of this year my score dropped XXXX points had to get XXXX XXXX to help prove no new bankruptcy. Now this week in XX/XX/XXXX they are reclaiming charge off and my score fell XXXX more points this should not be reported again was once reported charge off XXXX then in bankruptcy, XXXX is telling me I can keep having my score drop from this same account till it comes off account. I have tried calling Citi bank no help I wrote to the in XXXX and sent in Discharge papers And I believe a problem may be Citi bank changed it to a collection agency with new account number and then back to bankruptcy number
Complaint sub-issue: Information belongs to someone else

I have Sent in FTC reports i have sent all my proper docs that credit bureaus told me to send in and the still have not removed the accounts.
Complaint sub-issue: Problem with additional add-on products or services purchased with the loan

CarMax financial took a double payment from my checking account, I was charged {$170.00} in overdraft fees as a result. CarMax Auto Finance returned {$35.00} for the fee they caused, but they also caused me a additional, {$140.00} in fees. I have provided them a bank statement. One manager approved the request, the account department denied it. The servicing of my loan has been extremely poor and uneithical. I am asking for the {$170.00} to be applied to my XX/XX/2019 payment instead of money being sent to me.
Complaint sub-issue: Threatened or suggested your credit would be damaged

On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX  placed a notice on my credit report with XXXX stating that I had an account in collection from XXXX XXXX XXXX XXXX. I contested this item on XX/XX/XXXX because I had always paid my XXXX XXXX XXXX   account on time and in full. As a result, the XXXX XXXX item was removed from my credit report.

Then on XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX placed a notice on my credit report with XXXX stating that I had the same XXXX XXXX XXXX   Account in collection. I contested this item on XX/XX/XXXXbecause I paid my XXXX XXXX XXXX account on time and in full, and because the item had been removed from my credit report. As a result of of my dispute of the item, it was again removed from my credit report on XX/XX/XXXX. On XX/XX/XXXX -- in spite of the item having been removed from my credit report two times previously -- XXXX  XXXX XXXX again put same adverse notice on my credit report.

I have again disputed the item, but I should not have to keep doing this. XXXX XXXX XXXX is violating my rights under the Fair Debt Collection Practices Act and is damaging my credit.
Complaint sub-issue: Information belongs to someone else

There are unknown accounts that are being reported on my credit report. I have not applied for these nor I had any business with these companies.
Complaint sub-issue: Investigation took more than 30 days

on XX/XX/2020 i sent letters to the credit bureaus Equifax, XXXX, and XXXX. I waited 45 days and still no response from either bureau. on XX/XX/2020 i sent another letter for the credit bureaus to comply and answer my request and still i haven't received an answer. it is now XX/XX/2020 and i still haven't received a response from the credit bureaus. This is clearly a violation of my rights According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted XXXX, Equifax, and XXXX via phone, online, and by certified letters on many occasions in regards to the bankruptcy, the late reports from XXXX  XXXX, XXXX and XXXX. I have informed them that the bankruptcy and the late payments aren't associated with me and I have been fighting it since I noticed the inaccurate listing on my credit report. This listing is making it impossible for me to build an excellent credit history because it's being reported negatively. I have reached out to them stating the bankruptcy isn't mine and the late accounts have never been late with disputed them multiple times and nothing is being done. 

Also it should be noted that I filed a FTC complaint since my identity was stolen and my credit was checked without my permission last year. A fraud alert was placed on my account and XXXX XXXX XXXX was able to pull my credit report from Equifax on XX/XX/XXXX18 and nobody called to confirm if I was opening up a new account.
Complaint sub-issue: Problem getting my free annual report

I am unable to access my free annual credit report online. I have tried several browsers and different computers on more than one internet connection. Each time, I receive an error stating, " A condition exists that prevents us from being able to accept your request at this time, '' with further instructions to call or mail in a request for the report. Those options do not meet my needs. I would like for this federally mandated program to work, as described and as advertised. I am not comfortable mailing my SSN through the mail or typing it in to an automated phone bank. I do n't care to wait 4-6 weeks for my report, when it should be available to me immediately via the web.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my information, not keeping it properly secure. This put the information at risk, leaving me exposed to potential identity theft and/or fraud.
Complaint sub-issue: Problem with statement of dispute

I have disputed items on credit report, and I received a letter that stated that they would not be investigating the matter. I would really like for this matter to be resolved, but they are not even trying to fix the items, so I came to you with this.
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

I paid off an auto loan held by US Bank around XXXX XXXX XXXX. To date, US Bank has yet to release the electronic title with the XXXX DMV and is unwilling or unable to release it. My car was recently totaled in an accident, and I need the title yet US Bank seems to be holding it hostage due to their incompetency.
Complaint sub-issue: Information belongs to someone else

No one help me about disputes I sent too all credit bureau I had some things on there that dont belong too me and the bureaus keep putting on my credit report after I dispute everything no one help me
Complaint sub-issue: Account information incorrect

In SXX/XX/XXXX we had Hurricane Irma hit us. We called our mortgage company, PNC, and was told we could do a natural disaster forbearance for 6 months. I continued to pay my mortgage starting in XX/XX/XXXX ; only using 3 months of the forbearance. Once the 6 months was up my loan went into loss mitigation and I was started on a trail payment plan. I paid the increase payment for 3 months. My loan is now under modification and is the interest rate is increasing by 1.25 %, increasing my payments by {$200.00} a month, and my credit score is continuing to drop. I have missed three months but PNC have been reporting my credit as I have not been paying my mortgage since XX/XX/XXXX. I have called numerous times and nobody at PNC can help me. Apparently there is no department at PNC that I can speak to that reports to the credit bureau. Me and my husbands credit score has dropped over 130 points and every month they are reporting a missed payment and it keeps dropping.
Complaint sub-issue: Debt is not yours

I am writing to dispute a charge of {$680.00} to my credit report on XX/XX/2019. The Charge is in error because it should be paid by the Fault party involved in the car accident. 

I won the lawsuit on the car accident case with my attorney XXXX XXXX XXXX. All the damages and medical bills caused in the incident should go directly to the Fault party.
Complaint sub-issue: Information belongs to someone else

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX credit bureaus to confirm these items ( 1 ). ( A ). 

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: Debt was result of identity theft

Bank XXXX XXXX claims I owe a debt to them. I do not recognize this claim as I am a victim of Identity Theft. I have written several letters asking for VALIDATION, as described in the FDCPA and only received COPIES of statements. This is not VALIDATION under FDCPA LAWS. I am now being harassed by a company that says they represent Bank XXXX XXXX called XXXX and XXXX working on the behalf of Bank XXXX XXXX. I have signed no contracts with either. If they have evidence that I have, all Im asking is to see the wet ink signature I allegedly signed with either company. Copies of statements are pointless as they do not prove I have contracted with either company, BOTH claiming I owe some sort of debt. How is this legal??? Its not. Then anyone can claim I owe a debt to anyone? Just want to see ORIGINAL contract. Who is XXXX XXXX XXXX? Where is my contract with them? XXXX? Where is the original??? Without evidence in which I am requesting and have requested, under the FDCPA and FCFA, I will be entitled to the full amount of the claim owed plus interest. If I do not receive proper VALIDATION within 30 days ( not copies of someones statements ) I will be forced to file Liens. I will not hesitate to do so as I have been harassed by both Bank XXXX XXXX and XXXX and XXXX. I WILL file Liens on both companies as they have both caused me harm and duress.
Complaint sub-issue: Account status incorrect

I recently received a copy of my ( XXXX, XXXX and Equifax ) credit reports, and I noticed some late payments posted on my credit reports : The account below is being listed with late or missed payments and that is incorrect. I sent each Credit Bureau i letter stating that this account wasn't late and that i had identity theft in XXXX of this year and had to have my checking account info changed, XXXX XXXX made note of the new account however didn't remove the old checking info and when XX/XX/XXXX payment was made charged the old account which was told would be removed and wasn't. Causing my account to be reversed with being late. 

THIS ACCOUNT SHOULD READ PAYS or PAID XXXX XXXX XXXX XXXX ( Account # XXXX ) Late Payment XX/XX/XXXX These are the certified tracing labels for each credit bureau and copy of letters sent. 

Equifax Information Services LLC 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: Information belongs to someone else

THIS IS XXXX XXXX, WHO IS SUBMITTING THIS CFPB COMPLAINT MYSELF, AND TO INFORM YOU THAT THERE IS NO THIRD PARTY INVOLVE IN THIS PROCESS. I HAVE DISPUTED WITH 3 BUREAUS OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX I DO NOT RECOGNIZE THESE INQUIRES AND 3 BUREAUS STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.
Complaint sub-issue: Public record

The Equifax company has information that my accounts were included in a bankruptcy, but they refuse to take it off or have the creditors put that information in. Also, Equifax keep hanging up on me and wont listen to what I have to say.
Complaint sub-issue: Was not notified of investigation status or results

In XXXXXXXX XXXX XXXX I submitted my dispute via mail to Equifax, I called to check the status and they informed me they did not receive my dispute, I am submitting it this way to make sure it gets delivered
Complaint sub-issue: Don't agree with the fees charged

On XX/XX/2014 American Education Services sold my student loan to XXXX. The problem is that I was having difficulty making the payments due to numerous medical issues that had occurred in our family, but I tried numerous times to work with them. They had horrible customer service, and when I finally resorted to going to speak to an attorney about the issue, they quickly added {$10000.00} to the loan and sold it off. My original loan amount was around {$14000.00} and now today it sits at over {$25000.00} due to this. I have tried many ways to look into this matter and how it is ethical to tack on a hefty profit prior to selling off, but not until today did I find this website to report them to. How is this legal for them to do that? They had threatened to garnish my wages which is what led me to an attorney, and unfortunately I chose a poor one who misguided me on how I could get resolution. I would appreciate any assistance you can offer, since the government should also have an issue with a company representing the government doing this to people. 
Sincerely, XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I looked at my free credit reports from XXXX and found a lot of things being reported wrong by the credit bureaus. Im shocked to see all the types of wrong information from wrong names, addresses to inaccurate accounts and inconsistent information on each report. This has to be fixed. Ive tried contacting the bureaus many time and have disputed these errors a lot. I sent dispute letters to the bureaus and alleged collectors you all report on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

You all have all kind of errors on the report. Im going to list the issues out below for you to review and delete off my report because this is negatively affecting me and its not right. 
XXXX XXXX XXXX, there is no account number listed at all and no date of last payment ... This is not my account! The next issue, 2 wrong collection accounts reporting from XXXX is falsely being reported to my credit. These people havent sent me anything and they never replied to any of my requests to validate their claim that I owe them money. Or some kinda document w/ my signature showing I agreed to pay something to a healthcare provider with required HiPAA authorization. All of this is wrong. 
Another issue I found in you alls reporting is a XXXX  XXXX account that has NO account number whatsoever. The date of last payment says XX/XX/XXXX but the payment history shows the last payment was made in XXXX XXXX and the false 30-day late started XX/XX/XXXX. That dont make any sense to me and the bureaus keep reporting this false information. Please also take a look at the XXXX XXXX  account being wrongly reported to my credit with XXXX  and Equifax. On Equifax Again there is no account number at all. The date of last payment shows XX/XX/XXXX by the payment history shows no payments and no collection reporting from XX/XX/XXXX beyond, and the date of first delinquency equifax reporting is XX/XX/XXXX? How? And XXXX reports current on time payments through XXXX up until XX/XX/XXXX, but Equifax reports XXXX XXXX XXXX 120 day lates in XXXX and XXXX  from XX/XX/XXXX onward. Im looking directly at all of this inaccuracy on my own reports and its shocking! 
XXXX XXXX is another wrong account where Equifax reports XXXX XX/XX/XXXX and paid on time XX/XX/XXXX, then XXXX from XX/XX/XXXX onward but XXXX reports current on time payments XXXX - XX/XX/XXXX, then no data at all, then 30 30 60 60 60 90 day lates XXXX - XX/XX/XXXX, and No data XX/XX/XXXX - XX/XX/XXXX. And yall are reporting wrong late payments on the XXXX account. Equifax reports 60 60 60 90 days late 4 months in a row from XX/XX/XXXX to XX/XX/XXXX and XXXX reports 30 60 30 60 90 days late consecutively from XX/XX/XXXX to XX/XX/XXXX. These are wrong and dont match at all. 
Lets not forget my names and addresses are 100 % wrong. Im really frustrated and disappointed at all of this mess and want it fixed immediately.
Complaint sub-issue: Account status

numberous inquiries placed on credit report that were not authorized. numerous mortgage inquiries were not authorized and also the auto loan inquiries.