Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 SC 1681 Section 604 A Section 2 : It also states a consumer agency cant furnish an account without mv written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose.
Complaint sub-issue: Attempted to collect wrong amount

Acima works with a vendor ( s ) who sell faulty goods ; I purchased two necklaces totaling {$5800.00} ( paying on weekly basis ) on XX/XX/XXXX ; I entered the agreement on good faith, that the jewelry was in-fact real ; one month or so later pieces began to fall off and tarnish ; the seller made me believe it was real ; I contacted Acima to inform them that the jewelry wasnt what I expected for the cost ( via email ) ; Acima responded by saying, u have received this email because you have requested a return of the XXXX gold chain and charm silver necklace with stone leased through Acima, and initiated at XX/XX/XXXX XXXX In order to begin the return process and suspend renewal payments on your lease account, please do the following : Send pictures of all the leased property to XXXX include your telephone number ( s ), and email address, XXXXThis lead me to believe the actually cared about costumers concerns, especially with {$5800.00} cost tag. They later emailed me back after I sent the pictures stating that, Settlement : Acima can offer you a settlement of ( {$1400.00} ) ; This lead me to believe I was infact getting a refund, so I called to confirm my payment, not once did they say you have to pay us during the call, until i asked why would my card decline if i was receiving a refund. It was until then the stated no refund and you have to pay the settlement ; i then asked why would i pay for something that much that wasnt worth the money from the beginning ; I was mislead, I then told them i would call back at a later time to discuss my final discussion on how i would proceed with new information, I informed to stop taking paying from my account and that I would call back ( after my legal paper were sent ) ; but instead they continue to withdraw funds from my account without my permission, this constitutes fraud, deception, unfairness, oppression. ; i had to move the money in a different account so they wouldnt take it, overdraft fee accured ; Acima offers no protection to the client in the case of bad goods, kind of like a lemon car ; it was never a sold as is kind situation. I asked for a full refund. Acima contact XXXX ; violates 15 usc 1692, false rep of character amount.
Complaint sub-issue: Transaction was not authorized

An unauthorized charge was made for a resort stay to my account. The bank temporarily issued a credit, then reversed it. The resort was paid for via a 3rd party and I was able to stay at the resort from XXXX XXXX XXXX, and only provided my debit card for authorization for security deposit. I was subsequently charged by the resort on XX/XX/2021 for the full resort stay, even though they were already paid for my stay by the 3rd party. I essentially paid for the stay two times, the bank did not rule on my favor despite detailed documents clearly showing the resort charge was unauthorized. They refuse to acknowledge my appeal or make any updates on the investigation and I have been requesting my money back for 6 months.
Complaint sub-issue: Account status incorrect

I have a credit card 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 me 30 days late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in XXXX of 2021. There was an error on their part. I was never 30 days late.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello Consumer Financial Protection Bureau, The following letter is to inform the outcome of a dispute I had with Equifax which started on the telephone on XXXX XXXX 2016 and ended up being submitted by mail on the same date ; regarding a collection account still open ( XXXX and XXXX ) when the same had been closed in 2016 as notified by XXXX and XXXX in a telephone conversation. Also, the full payment to another collection agency ( XXXX XXXX and XXXX ) collecting the same debt. As it turns out, Equifax removed the XXXX and XXXX account from my credit report. However, it failed to add XXXX XXXX and XXXX with a {$0.00} balance and paid in full status. Furthermore, Equifax also had the audacity to removed a non associated account ( XXXX ) in favorable standing dropping my fico score 16 points instead of raising it. The difference between my XXXX and Equifax score is 48 points and this is disturbing. In conclusion, Im trying to improve my credit, but this stunt is hindering me. Can you please help me resolve? Thank you. XXXX XXXX 2016
Complaint sub-issue: Debt is not yours

The company needed an account number in order to identify me for my last dispute. I did not have an account number due to me not having a validated account with them.
Complaint sub-issue: Information belongs to someone else

SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNT : XXXXXXXX XXXX DATE OPENED : XXXX XXXX AMT. XXXX I HAVE ENCLOSED MY POLICE REPORT.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to failto validate this reporting account as unverified information without providing any proof within the time framespecified by law. My credit report includes the erroneous information that needs to be investigated andcorrected : XXXX XXXX XXXX : {$400.00}
Complaint sub-issue: Information belongs to someone else

I sent all the paperwork that the credit bureaus ask me to send them to have the accounts remove from my credit that are not mine
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is refusing to block information on my credit report I disputed, I was a victim of identity theft and provided my identity theft report via the financial trade commission and a police report
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

THE XXXX XXXX XXXX HAVE XXXX ACCOUNTS XXXX & XXXX BOTH IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. 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. The Equifax Credit Bureau has 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 accounts reporting on my Credit Report and need to update or remove from reporting. 
XXXX XXXX-Balance {$1000.00} XXXX XXXX-Balance {$370.00} XXXX*-Balance {$0.00} XXXX/XXXX-XXXX-Balance {$0.00} XXXX XXXX-Balance {$860.00} XXXX XXXX-Balance {$0.00} XXXXBalance {$5800.00} XXXX XXXX-XXXX-Balance {$11000.00} XXXX/XXXX-XXXX-Balance {$230.00} XXXX XXXX-Balance $ XXXX-Balance {$1700.00} XXXX XXXXBalance {$560.00} XXXX XXXX-Balance {$630.00} XXXX-Balance {$1000.00}
Complaint sub-issue: Information belongs to someone else

I was a victim of ID Theft in last 2017. I contacted all the credit bureau 's and Equifax is the only bureau refusing to comply with Federal laws, after I sent them a copy of ; 1. Fraudulent Student Loans Accounts Reporting on Credit 2. Copy of police report 3. FTC Identity Theft Victim 's Complaint and Affidavit 4. Letter stating the accounts are fraudulent Equifax, did not verified the accounts within the allow time ( 30 days ). They sent me a letter dated 45 days after my request for them to block all fraudulent accounts. Equifax refused to accept my documents and refused to provide me any proof of the accounts. 

I am a victim and they are trying to treat me like the criminal and I am unable to move on with my life because of this.
Complaint sub-issue: Reporting company used your report improperly

IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT ECSI/KEISER UNIVERSITY ACCOUNT XXXX XXXX 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Information belongs to someone else

Due to covid-19 forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of Covid forbearance period. I am a victim of Covid 19 and legally you should not have put them there.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Equifax to validate account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the timeframe specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$730.00}
Complaint sub-issue: Information belongs to someone else

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report.
Complaint sub-issue: Attempted to collect wrong amount

I was verifying my credit reports for employment verification, for credit denial, lowered score and due declared disasters moratorium of DR4493-COVID19 PANDEMIC, DR-4473 EARTHQUAKES, DR-4339-HURRICANE MARIA AND THEIR DISRUPTION CAUSED MEA CAR ACCIDENT WITH PROPERTY LOSS IN XX/XX/XXXX, DR-4336-HURRICANE IRMA. I have noticed that SEARS reported inaccurate information IN XXXX about balances, missed payments and late fees charges and added missed payments and charge late fees to my balance over my credit limit, when i am not using my sears credit card neither more charges were allowed. i would like that they removed the inaccurate information as my rights under CARES ACT, AND following bills 116s3548is, bill 116hr748enr, bills116hr133sarcp11668. those charges not proceeding under declared disasters, i am not a delinquent criminal person. i have the right to privacy and intimacy and i do not want to SEARS shared my information because i was a survivor of the disasters and i was affected, i lost m employment, new contracts, and new jobs, lost my home, lost my cars due to my rights violation and now i am trying to fairly recovering i did not received any aid from fema neither from small business administration, that denied me the loan due to my credit report, and lost employment contract due to my credit report and i can not pay due to the employers do not contract me due to my credit reports and becomes a vicious circle, and libels about my image. i tried to resolve with them in XX/XX/XXXX under DR4473 and in XX/XX/XXXX under DR4493 and they do not want to fix the incorrect balance my credit limit was {$500.00} and i did not used my credit card because there no more transactions allowed so they are adding the missed payments and late fees charges over the credit limit in convenient way for them, and that it is not equal opportunities. i did not owed to sears {$1100.00}, i did not owed to sears {$1000.00}, i did not owed to sears {$1000.00} as the incorrectly and falsely reported to my 3 credit reports agencies.
Complaint sub-issue: Account status incorrect

These student loans are under federal fraud investigation that i have filed with My State, the XXXX and Department if education. These matters were placed on hold by President Trump and the Department of Education for over a year. These fraudulent loans giving under false pretenses i want removed from my credit or placed in dispute status until the matter has been resolved. The Department of Education already denied over 12000 applications that had no bearing and i was not one of them. I want my credit report reflecting this as these are having a negative impact and have not yet been deemed legally binding.
Complaint sub-issue: Problem with product or service terms changing

on XX/XX/2020 I went to XXXX XXXX XXXX in XXXX MA and wrote a check. I was informed by Telecheck that my check was declined because I " do not normally write checks to this merchant '' and I " don't have a history of check writing with them ''. When I asked how I was supposed to have a history of check writing if they don't allow me to write a check they could not answer. When I asked what the bad information is that I was declined the ability to write a check for, they gave incorrect information. I do not have any unpaid checks with this company. This company seems like a complete scam.
Complaint sub-issue: Information belongs to someone else

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which still appears on my equifax credit report, does not relate to any transaction ( s ) that I have made. Accounts : XXXX XXXX, amount of {$3700.00}, XXXX XXXX, XXXX XXXX XXXX XXXX in the amount of {$8700.00}, are the result of identity. Also the result of identity theft are XXXX XXXX  accounts and they were sent to collections as well to XXXX XXXX XXXX XXXX, Account # s XXXX, AND XXXX amounts {$1700.00}, {$630.00}, {$520.00}, {$460.00}, All the XXXX XXXX   accounts, ( XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. These accounts are also duplicates and also reporting under XXXX XXXX XXXX, XXXX XXXX, {$1000.00} account, -Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. On XX/XX/2018, the companies responded back stating that the disputed accounts, listed in my attachments ; have either been blocked or do not appear on the consumer 's credit report. The other CRA 's have complied and have deleted these accounts, however, after reviewing my Equifax report, they are all still reporting.
Complaint sub-issue: Unexpected increase in interest rate

I own a small business and, our business has been using US Bank Credit Card for over 10 years. Our company has always paid the full balance or the minimum balance required by the credit card terms and conditions. However, our business took a downturn in XX/XX/2016 with unexpected drop revenue and change in the market place. 

We haven't been able to recover thus we have not been able to make the full payments to the credit card. 

Since XX/XX/2016 the US Bank Credit Card started to increase our interest rates from 13 % to 24 % APR. and 29 % APR thus costing us a lot more to make the minimum payment and sequentially our ability to eliminate the debt. Furthermore, they allowed our credit card to go over the {$6000.00} credit limit causing our account to incur additional fees per cycle. 

I spoke with the credit card stating we didn't want our credit to be expanded if we didn't have any additional credit and also to return the {$39.00} fees assessed to our account and Indeed they did. however, they continue to add the fee each and every cycle. 

First, we have paid our credit card for the last 13 years. We should not be penalized our interest rate increased 10 points on the Apr. It's simply unfair and predatory. 

Second, if the credit granted we should not be charged the recurring {$39.00} over the limit fee. In both instances, it not because we are not paying our bill on time it is simply trapped to charge our account additional fees. 

I would like a comparable credit to our account our ability to fairly negotiate the debt so we can move our business forward. 

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

Investigation took more than 30 days and nothing was changed when clearly there are misleading incorrect information and inaccuracies on my XXXX XXXX credit report.. attached is the evidence clearly supporting that!! Only a blind person won't see it!! STOP VIOLATING MY RIGHTS AND DELETE IT IMMEDIATELY!!
Complaint sub-issue: Debt is not yours

I declare under penalty of perjury ( im in the law of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge.Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful miss statements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. Additionally, these miss statements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization-Use my personal identifier information to apply for goods, services, or money, and was successful in creating some accounts.All is being investigated by the FTC!
Complaint sub-issue: Account status incorrect

This account is inaccurate and incomplete as there is no Name listed for this account and an FCRA violation. Account # XXXX The Last date of Activity, Payment, Account Type - Detail, Account Status, High Credit and Payment History are all inaccurate. Also, please provide Assignment of Debt, Validation of Debt, and Method of Verification. Not to mention you would be in violation of my HIPAA Rights. Please honor all request of documentation.
Complaint sub-issue: Account information incorrect

I challenged my credit report far years with No results they are not doing anything to get information deleted under fair credit act it's a federal Law I am a XXXX veteran their not moving information off my credit report every time I challenge something on my credit report account information is current when it's not
Complaint sub-issue: Information belongs to someone else

This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00}.
Complaint sub-issue: Information belongs to someone else

The following inquiries below are suspicious to me. Please look into it and remove the unauthorized inquiries. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XX/XX/2022.
Complaint sub-issue: Account information incorrect

There is an XXXX XXXX account showing in collections on my credit report. The account has a {$0.00} balance. When I call XXXX XXXX they have no record of an account in my name or under my SS number. I want this taken off my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I've seen no changes for the accounts that I have filed last month, I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Complaint sub-issue: Information belongs to someone else

In early 2019 I noticed multiple accounts and inquiries that were not created or authenticated by me.I am a victim of identity theft and would like these times removed immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax said they could not find my credit file due to they need more identification proof in the form of social security id, paystub, utility bill, and W2 to complete investigation. I will attach a copy of the identification proof in this complaint.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have a fraudulent inquiry from XXXX XXXX on my Equifax report that appeared on XXXX XXXX. I have contacted the bank and they sent me a letter confirming that the application was fraudulent. I have created a file containing this letter, my driver license, Equifax research request form and a letter with description of the situation ; and faxed it on XXXX XXXX. 
Today, on XXXX XXXX, XXXX, I have called XXXX to follow up on the paperwork and find out if they are working on removing the inquiry. What a horrible treatment I got First representative just put me on hold, and just never got back to me. I have called again and asked to be transferred to the US office. After passing XXXX XXXX security questions and being on hold a couple of times, he finally found my paperwork. Then it has become more interesting My ID ended up being blurry ; the letter from the bank also was not working for him. So, I asked, ok, let me fax you/e-mail you my ID again. Then I asked to explain why the paperwork I have send, doesnt satisfy them. What can I send them? I couldnt squeeze any answer from the representative. I asked to be transferred to supervisor/manager, but he refused! The I start asking him for his name, but I never got the answer! 
Not sure if it will help your investigation, but I was on a call with Equifax representative on XXXX XXXX, XXXX at XXXXXXXX XXXX. 
I am asking for your help as I believe no one should be treated like this. I am hurt! Please dont leave it like this. 

Best Regards