Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

In XX/XX/2020 I had to get a loaner vehicle from XXXX because my car was being repaired. I had to present a card for any incidental damages. I have attempted to call Citi over 5 times and each time sat on hold for 1-2 hours with no conclusion due to being placed on hold indefinitely when asked to speak regarding my dispute. 

The entire {$430.00} should be reversed. XXXX provided no documentation of me committing to the insurance because I didnt sign anything. Please advise with this being the case how am I liable for this balance. When I escalated this in writing they did no investigation and continued to side with the vendor though they have no documented proof and now are threatening to report negative marks to my credit file
Complaint sub-issue: Personal information incorrect

My name is XXXX XXXX XXXX, and I am having some problems with inaccurate information that has been on my report for several years. variations of my name and misspelling the correct spelling is. My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX. Please delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have never had these numbers at all please delete these cellphone numbers that do not belong to me : ( 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

I have been fighting this issue for over a year now. My latest attempt was to day XX/XX/2020 @ XXXX. I have made several phone calls throughout this week to EQUIFAX. I have also sent mail out with documents to justify the incorrect information reflecting on my credit profile within the last two weeks of date XX/XX/2020. I have recently sent off more documents priority mail today XX/XX/2020. I have sent over fax mail with the documents to justify the incorrect information reporting to my credit profile on XX/XX/2020. The problem is that I have two accounts online with EQUIFAX. One is a subscription I pay monthly for Equifax Advantage Plan Subscription which is reporting my information correctly. However, myequifax.com is reporting my information incorrectly with fraudulent accounts and a fraudulent social security number as well, along with addresses that are not mine. MYEQUIFAX.COM does not require a subscription and is free to sign up ON THIS WEBSITE MY INFORMATION IS REPORTING FRAUDULENT INFORMATION. I HAVE ASKED THEM TO REMOVE THESE THINGS AND HAVE SENT IN THE DOCUMENTS & STILL NO RESOLUTION. I HAVE DISPUTED THESE THINGS BEFORE AND THEY WERE REMOVED/DELETED BUT IT IS NOT REFLECTING ON MYEQUIFAX.COM ITS ONLY REFLECTING ON EQUIFAX.COM IN WHICH I PAY THE SUBSCRIPTION MONTHLY, AND WHEN A CREDITOR PULLS MY CREDIT THESE FRAUDULANT ACCOUNTS SHOW UP EVEN WHILE IM USING MY CORRECT SOCIAL SECURITY NUMBER. ALL BECAUSE MY INFORMATION IS NOT IN THEIR SYSTEM CORRECTLY. THIS IS AFFECTING THE OVERALL HEALTH OF MY CREDIT. I CAN USE MY VERIFICATION QUESTIONS TO UNLOCK MY ACCOUNT WITH CUSTOMER CARE AT EQUIFAX AND THEY WILL ACCESS THE ACCOUNT WITH FRADULENT ACTIVITY ON THERE. PLEASE HELP.
Complaint sub-issue: Deposits and withdrawals

On XX/XX/XXXX I tried to transfer money out of my PayActiv account into a different account at XXXX XXXX  XXXX. 

There is no way for me to access the funds on my debit card, other than through an ATM or by using the debt card at a retailer. PayActiv will not allow me to transfer money into another account I own, eventhough their website says I can transfer my money to any account I own. 

I tried to contact Customer Service on XX/XX/XXXX, and they were unable to resolve my problem and asked I send a video of what the PayActiv account looks for me so they could escalate to their team. I did, and its been over 2 weeks and I havent heard back from them. 

They are blocking me from accessing my funds and havent given me any solution to my problem.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has removed all my accounts from my credit report again causing my score to drop to the low XXXX 's. When my score should actually be XXXX. I have contacted them before, they fixed it and then they did it again. They removed all my accounts from my profile causing my score to drop once again. I want them to fix the information once and for all.
Complaint sub-issue: Their investigation did not fix an error on your report

Have showed and sent proof of hippa law violations and fraudulent accounts and closed accounts they still have not removed the accounts!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I originally disputed hard inquiries on my consumer report and Equifax responded " Please be advised that inquiries are a factual record of file access. '' Equifax is in direct violation of multiple us codes including 15 usc 1681a ( e ). The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is ( obtained through personal interviews with neighbors, friends, or associates ) of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, ( such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer ) or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
( 15 usc 1681 ) ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 18 us code 1028A ) - ( aggravated identity theft ) Whoever during and in relation to any felony violation enumerated in subsection c knowingly transfers, possesses or uses with out lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.
Complaint sub-issue: Received bad information about your loan

ON XXXX PHEAA/AES determined they made a mistake and the loans they have are in fact not mine. SEE attached transcript of live chat conversation with AES XXXX, and screenshot of them confirming they were not my original lenders. 
I have told them I paid my loans off years ago. AES/PHEAA confirmed they were not my original loan lenders, and never had my loans. But they refuse to : 1 ) return my payments/money they collected XX/XX/XXXX-XX/XX/XXXX 2 ). NOTIFY Direct Loans/USDEPT OF ED default resolution/immed cr. recovery collection agency that these are not my loans so they can return my {$8000.00} they seized from me. 
3. ) REFUSE TO NOTIFY/UPDATE NEGAATIVE credit reporting on me. 
4 ) REFUSE TO remove my name off these loans. 
5 ) UPDATE NSLD WEBSITE I am a female XXXX XXXX vet, and they have my money, and continue to cause me extreme unnecessary financial hardship by refusing to do their jobs, and get my name off these loans they know are not mine, notify the lender they sold the loans to, return my money, or update my credit report. knowing all this. 

please help me. 
XXXX XXXX
Complaint sub-issue: Debt was paid

XXXX XXXX is trying to a collect on a debt that was already paid. 
to XXXX XXXX ( see attached ) I have had no contact with XXXX XXXX other than a degrading phone call that was left for my mom claiming that she will be arrested if this debt was not paid. They are a straw debt buyer who has harmed several consumers such as myself. They have reported negative credit reporting to the credit bureaus. 

In the court case referred to above, the Federal Trade Commission alleged that XXXX XXXX XXXX XXXX XXXX violated the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq. and participated in unfair and deceptive business practices under the Federal Trade Commission Act, 15 U.S.C 45a
Complaint sub-issue: Didn't receive enough information to verify debt

I had a dr in office routine visit post pandemic with XXXX medical that resulted in {$1000.00} plus of charges after insurance. I called the dr office to understand the charges. I never got any call backs or explanations. No-one explained the charges or checked upfront ( as requested ) that insurance would cover the exam. Next I know there is a debt reported on my credit for under {$500.00} this XXXX and no-one from progressive management systems called me to try to resolve the issue. Very disappointing.
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX, and I am submitting this complaint on my behalf. I have been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. I sent them letters over 30 days ago and they failed to get back with me and they failed to notate that these accounts were in dispute plus these accounts violate the FCRA and FDCPA these accounts must be deleted immediately.
Complaint sub-issue: Debt was result of identity theft

I check my credit and it showed the XXXX XXXX of XXXX the name of the collection is IC system. Someone use my social security and receive XXXX XXXX in XXXX XXXX Texas. I dnt live there so, please I want it off my credit report. This is the account number XXXX. I should get it off because I did not do this debt. I have not able to get anything because of this debt and another one that it is called a school loan the name is XXXX I did not go to school please check on that one to. Thank you XXXX XXXX
Complaint sub-issue: Account information incorrect

Today on XX/XX/XXXX I called Equifax to inquire about the incorrect information on my credit report. I emailed XXXX XXXX and stated I was on hold waiting for a supervisor. The consumer affairs office picked up. This woman wasted XXXX minutes of my time. Each time Equifax is charged with doing their job its always a distraction. I have the Equifax Credit report and ONCE again incorrect information. They changed my password and I can no longer get into the portal to view my credit. 

Based on my emails and complaints Equifax dropped my credit score from XXXX to XXXX. This was retaliation. There is a security freeze on the account. No one is checking my credit. I do not use Equifax for anything. 

XXXX XXXX Equifax has the wrong date of the account being opened. The XXXX XXXX card was opened early XXXX not XX/XX/XXXX. Then the account is not listed as closed. The account has no date of removal after 7 years.Which 7 years is this month. 

This organization tried to be slick as usual. As they are asking for my verification I have the credit report in front of me going through the verification. As I already stated if outside counsel is necessary I will have no problems with it. Several complaints going at once. Then to be funny they keep sending complaints to XXXX Equifax. When they know the account is with its XXXX America Offices. 
The agenda is clear. The organization is XXXX and practices XXXX tactics against XXXX American customers. 
After I gave my email address, social security #, address, 7 credit card accounts all accounted for. Student loan accounts all accounted for yet she is asking for me to fax over ID and my Social Security card. Equifax has no integrity. Several data breaches and a settlement that still has not been settled. No one will get my social security card and when identity theft happens with their company they won't accept accountability if my information is lost, misplaced, or stolen. So since they need a complaint filed every step of the way I will gladly accommodate.
Complaint sub-issue: Account information incorrect

This has been a circus for 3 months now. My equifax credit score was restored to XXXX where it belongs a week ago and you dropped it again for no reason. XXXX is the culprit here but it has already been established. I have never seen so much XXXX and incompetence in my whole life, unless this is just deliberate mean action to keep a consumer like myselfs credit low. On Monday XX/XX/2020 I will be filing a civil lawsuit against XXXX. I will win that lawsuit. If need b I will include all of the credit reporting agaencies as well.
Complaint sub-issue: Information belongs to someone else

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, FL, XXXX I, XXXX XXXX, am in fact the consumer and a natural person, whereas, I of age, of majority, depose the following facts ; so be it, now present ; The Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it. 

Pursuant to the Fair Credit Reporting Act any consumer reporting agency may only furnish a consumer report in accordance with the written instructions of the consumer and I, XXXX XXXX, the consumer and natural person, did not give any debt collector nor consumer reporting agency any written instructions to report the alleged account to any consumer report. 

Therefore, any and all names and addresses that does not accurately represent me as the consumer and does not match the one and only name and XXXX and only address that is listed below must be removed from my consumer report. 

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, FL, XXXX I am sure that the removal of the incorrect names and addresses from the consumer reporting agencies records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy and rights as a consumer will not be violated again. 

Please also send me proof of this removal to the address given above, this will include an updated consumer report.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Left messages in XX/XX/XXXX on Sears web site that we did not make the charge. They finally removed it after many messages. They put it back on our card & sent us a letter with Proof of purchase however the proof of purchase actually proved we did NOT make the purchase. There was no reason for them to put the charge back on if they had looked at what they sent us. 

I left message again on web site & I called today. I put the card on hold. The person on the other end was overseas & they asked for my checking account number!!! I informed them they did NOT need it but am very concerned that someone is asking for it! 

This charge is from XX/XX/2019 & we are still trying to get it taken care of!
Complaint sub-issue: Investigation took more than 30 days

I recently sent a dispute letter to Equifax, and on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from this Equifax. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.
Complaint sub-issue: Account information incorrect

After several disputes with XXXX XXXX and bureaus, finally it was clear there was a late paytment that became a charge off. I paid this late paytment as soon I found out and tried to clarify if there was mine. XXXX provided the requested information, and there was a late paytment that I found out too late, but it was paid in full. 

For some reason, XXXX  and Equifax are showing a 'remark ' or 'comment ' where you can read settle less that full balance or paid for less than full balance. 

In previous disputes with XXXX  and Equifax it is clear it was paid in full, and XXXX XXXX confirmed time ago by phone, they sent this comment by error, and they sent againg the information assuring it was paid in full after charge off.
Complaint sub-issue: Account information incorrect

My account has started reporting to all three credit bureaus as of XX/XX/2022 with an open date of XX/XX/2022 ( incorrect open date ) and shows a credit limit of {$1100.00} ( incorrect ) with a balance of {$580.00} ( incorrect ), which now has my credit usage at 53 % ( incorrect ). ALL of this information is INCORRECT! I have had this account open for at least a year now, ONLY have a spending limit of {$450.00} ( doesn't say anywhere that it is a line of credit or credit card ), and ONLY have a balance of {$12.00}, which I planned to pay off this Friday XX/XX/2022, so my limit should only be XXXX %. This is FRAUD!
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX XXXX XXXX continues is a collection company that has continuously kept this on my credit report. I left the school who used deceptive tactics to recruit and promise an education when in fact they were for-profit using unqualified teachers/professors per article from XX/XX/2007, " the New York State Education Department reported deficiencies at the XXXX XXXX New York campus. The problems related to faculty qualifications and remedial course offerings. New enrollment was limited and the Education Department stated it would close the college if improvements were not made. '' Improvements were not rectified. I am disputing the loan with the Board of Education and was advised the process takes time.

The credit agency is threatening and is posting on my credit report when it should be removed after some years. They refuse to do so and are holding my credit report " hostage '' for payment threatening they will remove negative reporting only if I pay them. They are menacing and unethical practices are causing frustration, time, and unable to move forward. This has been harassment non-stop.
Complaint sub-issue: Investigation took more than 30 days

I submitted a dispute to XXXX, Equifax, and XXXX well over 30 days ago. I still have not received an update or had the unauthorized accounts removed.
Complaint sub-issue: Account status incorrect

I checked my credit report today. My report indicated that I am behind 90 days on my loan repayment. I logged into my account and it indicates the same. It further breaks down the details of the loan, indicating that the school attended and loans were disbursed for XXXX XXXX. XXXX XXXX is a part of a class action lawsuit which lead to all loans being forgiven. 

I logged into my Federal Student Aid login and confirmed that my XXXX loans are forgiven as well. 

Additionally, if I'm not mistaken, an executive order was issued by the government stating that during this COVID period, no student loans should be being reported as negative to personal credit reports. During COVID, I have not worked. My loans have been deferred for a while now. 

I was unaware that these loans were even due. Nonetheless, they are inaccurate.
Complaint sub-issue: Account information incorrect

The Credit agencies EquifaxXXXX  stated my accounts were properly investigated and verified as accurate for the 3rd time. I contacted the agency to remove the inaccurate information and update my credit report. they responded with the account is verified the inaccuracies still remain causes harm to my livelihood. They have reported payment dates inaccurate showing XXXX  with no 30 or 60 days late. On one account there reporting 3 different payment Example  Ok/30/Ok history on all 3 reporting agencies. I did not give them permission to produce this information. This should be removed because they are violating my rights under the Law

15 U.S Code 1681 - CONGRESSIONAL FINDINGS AND STATEMENT OF PURPOSE

(a) Accuracy and fairness of credit reporting

15 U.S Code 1681E COMPLIANCE PROCEDURES

(b) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I also have the tracking number to prove they where notified by mail 
XXXX  XXXX XXXX XXXX XXXX XXXX
Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Trouble with how payments are being handled

AES/PHEAA - Last year, I was paying this student loan servicer over {$500.00} a month and had been for over 5 years. When I went to apply for a mortgage, my credit report showed that this company had put my account into collections. At that time, I paid off the account ( about $ 80K ) and requested documentation that showed how AES/PHEAA determined the account was a collection when I was paying on it for so many years. 

After much back and forth AES/PHEAA said they would take this account ( Account # XXXX ) off my credit, please attached document. However, it has been almost 5 months and this account is still is on XXXX and XXXX. They removed it from XXXX  only.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

hard inquires made on XX/XX/2021 by XXXX Card and Citi Card/Citibank and I did not request or authorize these two inquires. It was not me applying for credit with these two credit card companies and want information removed from my credit report. Also, a Fraud Alert has been put on my report.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

reporting incorrect credt availability on several accounts reporting incorrect credit balances on several accounts.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

XXXX XXXX XXXX XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

We had XXXX XXXX as our internet service provider at our prior address. About three years ago we moved to our current address. When we moved we called XXXX to change our service to our new address which they did. We immediately began receiving invoices at our new address which have been paid on time. What I did not know or understand is that the XXXX representative created a new account for our new address. To make matters worse they never changed the address on our old account to our new address so I did not receive the remaining invoice from our old account. From my perspective it was a seamless billing process since I didn't notice the account number change. As a result I now have a collections account for {$93.00} from XXXX XXXX and their 3rd party collections agent Enhanced Recovery Company for {$93.00} on my credit. I can only assume this happens quite often since it is their practice to open a new account when the service address changes. It would seem to me if XXXX was trying to be responsible partner with their customers the first thing their internal collections team would do is cross reference a collections account with current customer accounts and see if their is an open account. This would be a clue to change the address on the old account and invoice the customer at the new address. I guess it is too easy to just send it out to a 3rd party and damage their customers credit.