Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account information incorrect

This car is reporting as a charge-off, and should be off my credit report or reporting 100 % on time payments with no charge off reporting. This car loan has been settled with XXXX XXXX as a unlawful repossession due to unknown charges through collateral protection insurance. I was given monetary compensation and was told by XXXX XXXX that this loan will be removed from my credit report or reported 100 % on time payments with the charge off status taking off.
Complaint sub-issue: Information is not mine

I have a hard inquiry on my report from XXXX. This is a result of identity theft as I did not request or authorize any inquiries at this time.
Complaint sub-issue: Didn't receive enough information to verify debt

I entered into a consumer credit transaction with XXXX XXXX XXXX dealer on XX/XX/2021. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but XXXX XXXX XXXX dealer took cash. The finance charge is suppose to include insurance, but XXXX XXXX XXXX dealer made me purchase insurance separately. XXXX XXXX XXXX shall be held liable and accountable for withholding information that shall have been disclosed to the consumer in a consumer credit transaction. The consumer was never given two copies of the recession notice and the required disclosures in a credit transaction according to 15 USC 1635 ( a ) ; Regulation Z 15 CFR 226.5 ( b ), and 15 CFR 226.15 ( b ).
Complaint sub-issue: Information belongs to someone else

inaccurate information in violation hippa, cra file id theft and police report to XXXX police dept XXXX case number
Complaint sub-issue: Information belongs to someone else

I have been trying to rectify my credit report due to 3 accounts listed on my credit report that does not belong to me. For almost 8  months of constant communication with Equifax my disputes keep coming back saying it was verified as me. On XX/XX/2019 I mailed in evidence that three accounts held by XXXX in the amounts of {$220.00}, {$130.00} and {$150.00} to Equifax proving that those accounts are under a different name and should not be reporting on my credit report. I am still awaiting a response from my last complaint. However, I received notice from Equifax on XX/XX/XXXX that they have deleted only one account. All three accounts are under the same name yet Equifax only deleted one. I would like to have this further investigated as I am uploading the evidence for the corporate department.
Complaint sub-issue: Public record

the bankruptcy on my credit report for XXXX and Equifax is not mine
Complaint sub-issue: Debt was result of identity theft

A medical account was opened after theft of my identity. AR Resources , Inc. illegally obtained this account with private health information and is also attempting to collect an alleged debt from me that I do not owe. This is false and misleading representation because I have never contracted with AR Resources , Inc. nor did I provide location information to this third party debt collector to contact me directly or indirectly. They have threatened to harm my personal reputation by illegally reporting this inaccurate and invalidated information to consumer reporting agencies if the alleged debt remains unpaid. AR Resources , Inc is in violation of my rights as a federally protected consumer.
Complaint sub-issue: Account status incorrect

I spoke to a representative from Fedloan Servicing in reference to the accuracy of missed payments. XXXX  showed XX/XX/2017 and XXXX  showed XX/XX/2017. The representative advised me on the phone that they processed a deferment/forbearance XX/XX/2017. She sent me a direct dispute form and I submitted it. Now XXXX  shows a missed payment for XX/XX/2017 and XXXX  XX/XX/2017. If the payments were postponed XX/XX/2017 there should be no missed payment for XX/XX/2017.
Complaint sub-issue: Public record information inaccurate

This week XXXX removed an inaccurately reporting public record from my credit report and reinserted within in 5 days without a written notice to me along with visual proof AGAIN!! This is the FOURTH time in XX/XX/XXXX they have done this with the same file!! It is against my consumer rights for them to keep doing this and getting away with it!!! Furthermore, on XX/XX/XXXX, the three major credit reporting companies - XXXX, XXXX and XXXX - were to enforce stricter rules on the public records they collect, requiring each citation to include the subject 's name, address and either their Social Security number or date of birth. As of XX/XX/XXXX the inaccurate information is still reporting on my Equifax credit report. I am writing this letter and complaint requesting that this Public Record be removed from my credit file immediately, as it does not comply with the rules enforced to report. Also LEXIS NEXIS stated they verified this inaccurately reporting account by XXXX! They stated XXXX sent them my FULL social security number which is against the law. I contacted XXXX about the matter and they stated they DO NOT directly verify any of that information to third parties either and that if they did show any part of a social it would be the last four numbers only. XXXX XXXX also needs to stop reporting this inaccurate file and moreover, they need to abide by the laws also.
Complaint sub-issue: Account information incorrect

paid my loan in full on  XXXX / XXXX /  XXXX   and is still reporting as an open account affecting me getting approved for a mortgage.   XXXX   XXXX   XXXX   said there is nothing they can do I have filed a dispute with Equifax and they said  XXXX  is not responding. although the account has been paid it is still reflecting on my credit file as open.
Complaint sub-issue: Lender trying to repossess or disable the vehicle

The incident took place around XXXX of XXXX. I had 2 successful previous loans with this company VW Credit. This was my third loan on a XXXX car. I had been paying on this 4.5 years. XXXX XXXX XXXX XXXX XXXX XXXX XXXX was hit hard by Covid-19. I had to apply for state assistance. I looked for other jobs, but only found very part time work at the time. I was making payments each month, but fell behind. I had made a partial payment to them 2 weeks only prior to the incident. I was given no letter, no notice, no correspondence that they were going to do this. 2 days later, a very kind friend lent me the money {$1100.00} to get the car back. The amount was for added fees and interest. I did so, and turned around and traded the car in for another one with a different lending company. I would not continue to do business with a company such as this. Oh yes, and the repossession letter from them came finally, 2 months later! I have a witness to that. Shame on VW Credit! Treating a former, good, loyal customer like this! Not even working with me on a solution to this. Doing this during Covid-19 when possible protections were in place to help protect against this. They displayed unethical and unfair business practices during a global pandemic crisis of epic proportions. They should be fined and reported for this! They also reported the repossession on my credit and refuse to remove it. It will not come off until 7 years from now. I have been scarred financially, ethically, and emotionally from this terrible event.
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 these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : DEPT OF EDXXXX XXXX Balance : {$3100.00} ; DEPT OF EDXXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$44000.00}
Complaint sub-issue: Attempted to/Collected exempt funds

Zest cash has continually debited my account on a weekly basis for various amounts. Despite the original amount not being held with sufficient funds. Each attempt incurred a XXXX dollar ACH fee with XXXX XXXX. Should the initial debit fail several others will take place.I have also noted that the website does not offer the ability to check your account or even offer to take a loan out in my state of Texas
Complaint sub-issue: Debt was result of identity theft

I am currently in process of making a large purchase, and before I ran my credit I performed a credit check and saw IQ Data International pop up and is reporting an amount of {$2400.00}. I have no clue who this is or was, so I XXXX searched the company and I called them. They asked me some questions and if I ever rented an apartment in XXXX? I said no and I have no clue why this is popping up. I then was grilled about people I do not know and was asked if I ever co signed for anyone.. which is a no. I was told I would receive a fraud packet to fill out and return. Waiting for mail and nothing so I called again, a week later, was asked about an address I never even heard of and was told they are resending it out. Waiting again nothing. So we are out 3 weeks now. I called today and Im being told it may take up to 10 business days from today! Why? I again was also grilled about living in this apartment, my social security info and place of residence. I feel completely violated and want this issue to be resolved asap! This is completely unfair and Im being treated as if this is my debt and I know what is going with it. I have never heard from these people ever! Also am being asked to provide documentation that I do not have!!! Its ridiculous. I am ok with policy and procedures, but I feel that its taking way to long to fix the issue and also being probed about something I have no clue about.
Complaint sub-issue: Confusing or misleading advertising about the credit card

I have exceptional payment history with Citibank I opened up a secured credit card and was told if I kept my balance is low and paid on time I could upgrade after 12 to 18 months. I always pay my balance off every month never missed a payment when it came time to give me my deposit back and upgraded me to an unsecured card I was told that they would not be graduating me but never given a reason why I did everything perfect with this card like they told me to do in order to graduate to another card I feel like they missed lead me. Also my last payment of {$190.00} my bank released and city is saying they did not receive it but it showing posted on citi Account. I paid my balance in full and they are not giving me any credit its staying XXXX. Please help me.
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/2018, I received a fraud alert text on my Citibank credit card. I immediately contacted the company and indicated the attempted purchase was not being made by me or my husband. At that time, I learned that there were three other charges that were not made by me or my husband : 1 ) a charge at XXXX 's in the amount of {$500.00} ( XX/XX/18 ), 2 ) a charge at XXXX 's in the amount of {$500.00} ( XX/XX/18 ), and 3 ) a charge at XXXX XXXX XXXX for {$1.00} ( XX/XX/18 ). These charges were initially credited back to my account. 
I was later questioned about whether or not I had possession of the credit card ( it was actually my husband 's card, but he was never contacted about this incident ). I initially indicated the card was in his possession at the time the fraudulent charges were made. I later learned this was incorrect. It took a couple of weeks for my husband and I to realize that on the same day the first fraudulent charges appeared ( XX/XX/18 ), someone broke into my husband 's locked gym locker at XXXX XXXX XXXX, damaging the lock in the process ( the lock was still on his locker after his workout, it was just so badly damaged it no longer functioned and the gym personnel had to cut it off ). His wallet and all his other items were still in the locker and he did not notice his Citibank credit card was the only item taken from the back of his wallet ( we rarely use this card ; the last time he had used it for a purchase was XX/XX/2018 ). 
The company 's initial finding on XX/XX/2018, was that my husband was in possession of the card at the time the charges were made and therefore, we were responsible. Since this initial determination, I have contacted the company by phone on XX/XX/2018, XX/XX/2018, and XX/XX/2018 providing additional information to include two police reports filed in XXXX XXXX, Texas ( where the card was stolen ), and XXXX XXXX, Texas ( where the fraudulent charges occurred ). 
Lastly, on XX/XX/2018, I provided written correspondence including sworn affidavits from me and my husband, time cards from my husband 's work ( indicating he could not have made some of the charges because he was at work when they occurred ), text messages ( showing the date someone broke into his gym locker ), and phone records. I sent two copies of this package -- one to customer service and one to security service -- neither department has responded to or even acknowledged my correspondence ( tracking information indicates these packages were received on XX/XX/2108 ). 
I am seeking to have these fraudulent charges credited back to my account.
Complaint sub-issue: Problem with fraud alerts

Multiple hard credit inquiries from various institutions i.e. XXXX over past two months requesting various forms of credit lines with fraudulent information impacting my credit scores. Contacted CRA 's and placed a 90 day freeze on my reportXXXX and XXXX immediately confirmed freeze ( written ) and removed fraudulent inquiries. Conversations were had with the fraud departments at XXXX XXXX and XXXX Bank and informed that no request was made for any lines of credit. Alerts per those conversations were added via their internal processes. The paramount concern is subsequent to the freeze, another hard inquiry by a company XXXX, also fraudulent, via Equifax is showing. No confirmation has been received from Equifax as with the other XXXX CRA 's on correction to the fraudulent inquiries either. After hours trying to determine the status the only response is " freeze has been placed ''. This may be due to their internal process/turnaround time but my concern is after the freeze another hard inquiry shows?
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

In the beginning of the year of 2017, I received a call from Macy -AMEX Department Stores about a suspicious purchase. I confirmed I did not authorize the purchase. The account was closed and a new account number was opened. I was instructed to check my monthly statement when I receive it and to call if there were any other transactions I did not authorize. As soon as I received my statement, I called to explain I did not authorize a transaction that was posted to my account. However, the company although already aware these transactions were not authorized by me continued to accept these purchases. I have spent numerous hours trying to work with the company to correct these issues however, they have now affected my credit score and ruined my credit history.
Complaint sub-issue: Not given enough info to verify debt

There are XXXX unknown collections listed from this company MEDCAH INC. which appear to be inaccurate as they are unknown and outdated disputed several times and nothing received. Please help
Complaint sub-issue: Information belongs to someone else

On my credit reports there is a closed account with huge amount of missed payments. DISCOVER BANK Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA DISCOVER BANK has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Complaint sub-issue: Report improperly shared by CRC

This is a complaint against Equifax XXXX XXXX and Depart of Security Frezz The reason of this complaint is because I have a very serious problem with this credit agency because of the improper use of my credit profile and membership, they do what they want with my credit profile without my permission or authorization. They put fraud alerts, they freeze it when even they ca n't remove the freeze that they put on the freeze when I gave them the pin that they gave me through mail. They have my credit so badly managed that its impossible for me to obtain my profile utilized and my credit score. Its so badly managed that the blockage has been so negative that even the positive accounts that are under my name and social security Equifax does n't let them report them. I have proof of letters from all the banks that I have accounts in so they can report those accounts in Equifax because they are good accounts and make my credit good and better. Also I have two months calling all week to solve this problem because only with Equifax , I do n't have any problem with XXXX or XXXX, these companies report correctly but Equifax does n't. I have reached a conclusion that I have n't been only victim of identity theft but also a game of the personnel that work with Equifax. This complaint I would want the team of executives to see and do a review because this problem has become a game a joke towards me. Every time I call they are only going to do a ticket and every ticket they do n't solve anything. Also where are the positive accounts like XXXX XXXX ( credit limit XXXX ), XXXX XXXX ( credit limit XXXX ), XXXX XXXX Credit Business ( credit limit XXXX ). Where are these accounts that were opened in between XX/XX/XXXX and XX/XX/2015 and I know because I have the letter in proof that these banks have sent in the reports, the only problem is Equifax because they do n't want to report these accounts. I am sure that XXXX that if these accounts were negative Equifax would be the first to report them, because they are here only report the negative not ever the positive. This agency is here only to damage the profile of me and I am sure many other people. They have a horrible system and a personnel that is badly trained and horrible as well and they do n't solve anything.
Complaint sub-issue: Investigation took more than 30 days

On XXXX I sent a letter to Equifax regarding inaccurate and negative information on my credit report. 

It has currently been 53 days and I have yet to receive a response. I feel like I'm being taken advantage of and my disputes are being ignored. Section 611 ( a ) plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 53 days so they should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Account information incorrect

My husband and I recently tried to refinance our home through XXXX XXXX XXXX. Our loan agent pulled a credit report through XXXX XXXX XXXX and the numbers on the report had to be wrong. The report showed a credit score for XXXX for my husband which could not be accurate since XXXX currently shows all XXXX and no reporting history for my husband. A complaint was filed with the CFPB under XXXX. When my credit report was pulled the report also showed numbers from all three agencies even though my XXXX   credit report currently shows all XXXX  for me and no reporting history. A complaint was filed with the CFPB under XXXX. Obviously, there are issues that need to be addressed.
Complaint sub-issue: Their investigation did not fix an error on your report

I filed a complaint regarding collection companies that are collecting debt I do not owe them. I did not do business nor any transactions with them. They are asking the wrong person and the accounts that they say belongs to someone else.
Complaint sub-issue: Debt was paid

Calls Calaiming I owe XXXX XXXX Which i do not When I ask for Proof of debit they tell me my Credit Report is Proof enough
Complaint sub-issue: Account status incorrect

To Whom It May Concern : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Equifax regarding these items. 
I am requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( The previous request not honored ). As the following items can not be verified mine, please correct status or delete them from the credit file : ACCOUNTS XXXX/XXXX  XXXX wrong status PUBLIC FILINGS BANKRUPTCY : DISCHARGED CH-XXXX  XXXX inaccurate Identification already on file, please notice your internal notes. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block, etc. on my file without my expressed permission.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Im report some fraudulent inquiries on My consumer report that was never authorized by me here is a list of inquiries I never authorize Equifax 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

AFTER REVIEWING MY CREDIT REPORT, I HAVE DISCOVERED INACCURATE ITEMS ON MY CREDIT FILE THAT DOES NOT BELONG TO ME AND THEY HAVE CAUSED SERIOUS DAMAGE TO MY CREDIT. I HAVE MANY BUSINESS OPPORTUNITIES AND I WONT BE ABLE TO GET ANYTHING DONE WITH FRADULENT ACTIVITY ON MY FILE. I HAVE ATTACHED A CREDIT REPORT HIGHLIGHTING EACH ACCOUNTS WITH INACCURATE TRANSACTIONS. PLEASE HAVE THOSE ACCOUNTS REMOVE AND PERMANENTLY DELETED OFF MY CREDIT REPORT.
Complaint sub-issue: Problem with rewards from credit card

I cancelled my credit card with XXXX XXXX XXXX card by Citi in 2nd week of XX/XX/XXXX as I got a very suspicous call from Citibank that I think is very intrusive. They are asking how I made my payments and where the payments are from. 
. Because of the cancellation, they are forfeiting my 2017 money rewards of {$420.00} which I earned already before the cancellation. There was a misunderstanding and they are insisting that I agreed to forfeit the {$420.00}. 

When I requested reinstatement, they insist i have to do application like a brand new applicant and I would forfeit my {$420.00} rewards anyway.
Complaint sub-issue: Problem with personal statement of dispute

This complaint is related to XXXX prior complaints : XXXX & XXXX. XXXX  claims that I owe them {$110.00} following cancellation of my service. I assert that XXXX charged me for a phone line that I did not request and that I did not use. XXXX  can verify this from their own records however, they refuse to refund all of the overcharges due to their internal policies. In addition, XXXX unilaterally changed the " cancellation '' terms that I had agreed to when I signed a contract with them. Nonetheless, XXXX and/or their collection agencies has reported their alleged debt of {$110.00} XXXX times to credit agencies, each time having a meaningful effect on my credit rating. The dates that they reported the alleged debt are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and most recently XX/XX/XXXX. Thge amount of this alleged debt doesn't warrant a legal proceeding however XXXX continues to use their ability to disparage my credit rating without apparent consequence. In my opinion, the harassment is quite egregious and unwarranted.