Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a dispute to XXXX earlier this month regarding an alleged bankruptcy on my credit report. According to their website an investigation was opened on XX/XX/XXXX and was closed on XX/XX/XXXX and the bankruptcy remains on my credit report. According to XXXX they verified the bankruptcy information with Lexis Nexis. This statement is as a result of an error on their part or either is an outright lie as I have documentation from Lexis Nexis stating that this information is not on file with them. If a complete investigation had been made it was not verified by Lexis Nexis. I'm including Lexis Nexis in this complaint so that they can answer clearly about whatever this potential mix could be as the paperwork that they recently sent me dated XXXX, stated that the bankruptcy was not on file with their company.
Complaint sub-issue: Trouble with how payments are being handled

XXXX is the worst company I have ever worked with. They ended my forebarence at the beginning of the year because they said I graduated or dropped out of school. I contacted letting them know neither of those were true and that I am still a full time student at my college. I have now contacted the twice with ZERO answer and they have taken money out of my bank account twice, overdrawing both times. They dont care about anyone. They ruin lives and I dont know what else to do. I cant keep paying XXXX a month to a company that wont listen to a word I say. Attached is a picture of my current school schedule proving Im a full time student.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I received a copy of my credit report and notice some hard inquires that i don't recognize. 

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

Hi, my name is XXXX XXXX and I have been trying to get my credit issues resolved with the three credit bureaus. I have reached out to XXXXXXXX, XXXX, and equifax via certified mail dating back to XXXX and they have yet to respond via mail or email with results of my dispute and fail to acknowledge that my disputes are even processing. It has been more than 60 days since any one of the 3 bureaus have got back and this involves an FTC complaint # 's XXXX & XXXX in which they have failed to get back to me and none of these accounts stated in the FTC and following documentation are mine. I need to fixed ASAP as this is messing up my credit and un-allowing me to qualify for this apartment I am trying to get,
Complaint sub-issue: Their investigation did not fix an error on your report

I filed investigation for collection account on my Equifax report for XXXX XXXX XXXX. The collection agency failed to respond within 30 days of me requesting validation of the debt. I requested name and address of the original creditor, documentation obtained from the creditor proving that I have a legal obligation to pay, and all notices required by law. The collection agency failed to furnish this information. Equifax failed to remove this information from my credit report when I requested and provided proof the collection agency failed to follow the law.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

ERC calls repeatedly and harasses you and will threaten you. I have sent in paperwork to show proof of fraud but they still harass me and do n't care that the debt is not mine. I have asked for proof and validation on several occasions and still not received anything except for more harassing phone calls and demands for payment.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax continues with it's purposely XXXX XXXX XXXX XXXX XXXX negligence in the attempt to willfully continually spitefully SUPPRESS my employment, financial, and personal business regarding their credit score reporting despite the ( attached ) XX/XX/2016 settlement agreement awarded from the federal court complaint filed vs. them, and their purposely continued inaccurate credit score reporting conduct, and activities. All this despite my credit being in really GOOD standing per the attached credit report ...
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX are reporting incorrectly late payments in XXXX and XXXX on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) XXXX XXXX XXXX consistently did not apply the payments correctly to this account. XXXX billing department was not in sync with the other department and consequently the lates that are reporting in both XXXX and XXXX are false. I have been working with a representative from XXXX ( her name is XXXX XXXX and she is working diligently trying to resolve this reporting error of late payments. In addition to resolving the late payment issues, the current reporting of the balance due on this account is incorrect. The account balance information needs to be updated to report accurately as well. This account is current and in good standing. There are no late payments to report. I have contacted the ( XXXX ) bureaus to remove the lates however, I have not been successful.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX  are incorrectly reporting me as an Authorized User on XXXX - partial account number XXXX. ( Please see page 12 of the attached credit report. ) I called XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Complaint sub-issue: Information belongs to someone else

I have two collection accounts on my credit file that are fraudulent. Equifax is allowing this miscarriage of justice. XXXX XXXX once said, injustice anywhere is a threat to justice everywhere. Equifax is only concerned with promoting their BRAND. XXXX XXXX XXXX/XXXX XXXX, and XXXX XXXX XXXX. has ruined my life. 
I can not get a V. A. Loan because Equifax is permitting these horrendous, horrifying, and horrific deeds. This is 100 % identity theft and Equifax ; XXXX XXXX XXXX. XXXX XXXX/XXXX XXXX does not care. C.F.P.B. must protect me from these bandits. It is all about their BOTTOM LINE. 
Each time these items are removed XXXX, XXXX/XXXX XXXX puts it back on my credit report, and Equifax is sanctioning it. They are trying to collect a debt that is not owed, fraudulent, and it should not be reported to my credit file. I have a police report! As a Veteran who fought for this country, and a XXXX XXXX XXXX XXXX they are treating me like the scum of the Earth. 
Please help protect me against these atrocious, and unspeakable parasites of a company. Please help!
Complaint sub-issue: Deposits and withdrawals

On XXXX XXXX I have had made purchases with my debit card totaling over {$500.00}. Those purchases were cancelled and each merchant told me that the funds were released on their end. My bank, BBVA, still has a hold on those funds. I called the to speak with a representative and they said that they did not see any money that should be credited to my account.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Yesterday I reviewed a copy of my credit report and I saw some unauthorized credit inquiries on me. Also, I am requesting an updated copy of my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I filed multiple disputes with the credit bureaus. It take them well over 30days to comply in fact when i did receive a response they never removed or made any adjustments to my concerns with the inaccurate info on my credit report.. I have been disputing with them for a period of time now and they fail to comply..
Complaint sub-issue: Their investigation did not fix an error on your report

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. 

The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) 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: Can't decrease my monthly payments

I attended XXXX University in XXXX NJ. I have tried to make payments. Over the past few years I have requested to lower my payment and was told I had no options and they could not help. If I knew that my payments would be so much I would never have taken them out. The financial stress is effecting all parts of my life. I am willing to make a payment but to expect someone just starting a career to payout {$600.00} a month and live on their own is not realistic. I have asked several times for different payment options for years and until I stopped paying the loan an option popped up but it will help for a few months by cutting the payment and then the monthly payment will increase higher than before! I do not feel as though students are being properly informed on what loans of this nature will cost us in the long run.
Complaint sub-issue: Information belongs to someone else

Hi I've contacted The company XXXX  about a fraudgelant account theuy are continuing to report on my credit report. I don't know this company and have never done business with this company. I have also contacted and disputed this account 3 times with XXXX XXXX and Equifax and both companies have ignored my complaints & is continuing to report this fraud activity on my credit reports.
Complaint sub-issue: Their investigation did not fix an error on your report

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

I am writing to dispute the following information in my file. These items are inaccurate because my name is misspelled and unknown addresses are on my file. I am requesting that the items be deleted to correct the information. My collections accounts are reporting that I owe {$2400.00}. My student loans accounts are reporting that I owe {$47000.00}. My auto loan is reporting that I owe {$12000.00}. All these accounts are showing past due and totaling up to {$61000.00} for 20 accounts on my credit report. I've investigated the errors, submitted several disputes online with documentation, and now I'm reporting this to Consumer Financial Protection Bureau.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

My credit card was stolen on XX/XX/XXXX or XXXX off 2021 and the person applied four or five charges that totaled about {$350.00}. I talked with Citibank fraud department and explain the situation as they were the ones that informed me that my credit card was probably stolen. They sent me a message on my app asking if my credit card was in my wallet. I opened my wallet and found it was not there thanks to them I was able to close the account. The problem is a few days later someone came to the shop and said they found my credit card in the parking lot. I explained this to Citibank fraud department and they assume that sense the person returned it that it was in my possession the whole time. I explained over and over that the card was stolen it shows getting gas at one place twice in one day. I even filed a police report to help Citibank fraud department believe me. They said they would get back with me and they never did 2 months went by so I finally called them back and I'm still having the same issue with Citibank. They just pretty much blew me off and want me to pay for the charges that I did not apply to my credit card I did everything in my control to get them to believe me but to no avail they believe that I am lying. I've never had such a problem with a credit card company and my credit is excellent I have no reason to lie about some charges as I paid all the other charges that were applied to the card except for those that I know that are not mine. I'm out of ideas this is why I have to call you to get some help with this issue. Thank you and I look forward to hearing back from you
Complaint sub-issue: Their investigation did not fix an error on your report

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX
Complaint sub-issue: Debt was paid

Debt was previously settled with another XXXX Appears original creditor is still trying to collect the remaining balance after agreeing and accepting a lump sum settlement payment. 

Tried to call new XXXX no one answers the phone!
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have a dispute that Discover have not resolved. A partial amount was credited back to my account in the amount of {$380.00} from the merchant. This is only XXXX out of a XXXX dispute that was in favor of the Merchant by Discover back in XX/XX/XXXX. I did not authorize this refund for half of the amount of my XXXX when my secondary insurance was never billed by the provider. I rightfully do not owe any money to this provider with two covered insurance policies. My claims are currently under investigation with my insurance provider 's, and I do not owe anything to this provider as I was told meaning the {$750.00}. 

I was also told that my refund will be in the form of a check by the provider. However a Partial refund of {$380.00} was put on my discover account without my consent. I requested for Discover to return the funds back to the merchant because I was told my funds will be in a form of a check, and that's what I want. I do not want this provider to have anymore access to my Discover credit card. Discover has refused my request. Please see attachments.
Complaint sub-issue: Information belongs to someone else

I was informed on  XX/XX/XXXX  that on  XX/XX/XXXX  I called in a decided to dispute all accounts that were on my credit report and have them disputed when that isnt true. I am a victim of identity theft and im treated as if im the wrong do-er! I call in and all of a sudden put in a department called ( CONSUMER AFFAIRS IN EQUIFAX ). I called several times after seeing that my credit report had changed significantly after my identity was stolen. I was hung up on by a Lady in that department her name was   XXXX   XXXX  , I was hung up again on  XX/XX/XXXX  by   XXXX   and lastly by  XXXX  in Fraud department! Ive never known so many people to hang up and treat a person thats a victim like this. The accounts that were put back on my credit report ill list below, but I have contacted them and they said that someone from Equifax personally reached out to them and remind you this was after this account was deleted and removed from my report! (   XXXX   XXXX   ) also contacted   XXXX   and  XXXX  they also stated they received a electronic response on the XX/XX/XXXX  I didnt authorize this and im very upset about this!
state farm bank {$35000.00}, harvest associates $   XXXX  - {$510.00},   XXXX   XXXX   {$260.00} - {$230.00} and 4  XXXX  accounts. Inquires that should only be on there are   XXXX   XXXX    and   XXXX   XXXX   XXXX  . Equifax consumer affairs pulled my credit without my consent and it caused my score to drop  XXXX  points. After being lied to by ms.  XXXX  and   XXXX   XXXX   that no one pulled it and my score culdnt go down if they did pull it.   XXXX   XXXX  , 2   XXXX   XXXX   accounts and   XXXX   XXXX   XXXX   should be the only accounts listed. But Equifax you have forcefully put old accounts that were verified as not mine on my credit report and I asked you to stop the disputes once i found out  XX/XX/XXXX and you refused and I told you i had rights and would contact the FTC and you stated   XXXX   XXXX   that i needed to do what i needed to do! so i am! So please remove these accounts because they are not mine is all im asking. Was no need to monitor and report my account because i call everyday to make sure that my credit is correct. I have rights as a consumer and i refuse to be treated like im not a victim when i am and all i wanted was truth and to be helped!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have been sending letter to Equifax requesting the deletion of unauthorized inquiries. I have a fraud alert on my file that requires the merchant to contact me before performing a credit check. Equifax has violated my consumer protection right by allowing these unauthorized inquiries to be performed.
Complaint sub-issue: Account status

My credit score is below XXXX and there does not appear to be justification for the low score. the credit reporting reasons for the low score : " too many delinquencies, too many credit reporting requests, proportion of balances too high ''. these reasons do not appear valid : there are almost no delinquencies within 24 mo, there are very few credit reporting requests in past 12 mo and the balances for debt to income are 40 %.
Complaint sub-issue: Public record

I would like to get a state tax lien removed off my credit report, it has been satisfied for years and is stopping me from getting loans and credit in my name..
Complaint sub-issue: Investigation took more than 30 days

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$970.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- XXXX. XXXX/XXXX  with ACCT # XXXXXXXXXX opened on XX/XX/XXXX with a credit limit of {$970.00} -This is not my account.
Complaint sub-issue: Information belongs to someone else

A two days ago, I checked my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize these accounts and have never incurred debt with these creditors. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me.
Complaint sub-issue: Problem during payment process

My Citbank Home Depot account has been closed for several years. As it is closed I am not able to pay online, in the store, or by automated phone process. As a result I must mail in my payments and I believe Citibank is delaying the process intentionally. 

Recent examples : On XX/XX/21 I mailed a check in the amount of {$35.00} to THD with the envelope and payment stub provided. The due date was XX/XX/21. THD deposited the check on XX/XX/21 and it cleared my bank on XX/XX/21. I was charged a {$35.00} late fee. XXXX from XXXX, OR to XXXX, AZ should not take 15 DAYS! 

On XX/XX/21 I noticed that once again my check hadn't cleared my bank. When I called for assistance I learned that a collection agency was handling my account. I was also advised that my monthly payment isn't {$35.00} as listed on my statement. It's actually {$71.00} per month and I was behind. I made payment by phone to the collection agency in amount of {$130.00}. It cleared my bank on XX/XX/21. 

On XX/XX/21 I mailed a check in the amount of {$60.00} to THD with the envelope and payment stub included. It was stamped received by THD on XX/XX/21 and cleared my bank on XX/XX/21. The collection agency had no record of this payment when I called. Again, it shouldn't take 20 DAYS for mail to go from XXXX, OR to XXXX, AZ! 

I received my statement today and received another {$35.00} late fee and a bill for {$130.00} due by XX/XX/21 - which I'm certain will be late regardless of when I mail it given the recent trends. 

I'm convinced my checks are not processed in a timely manner and are being pulled for special handling resulting in a delay and more late fees for me. 

In addition, I was never advised a collection agency was handling the payments, nor have I received any billings from them. 

This entire situation is set up to make it impossible for me to pay on time and they are stealing from me through late fees caused by their own hand.