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

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX has violated my rights.

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.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX clearly states they ordered EQUIFAX to REMOVE all comments INCLUDING " CONSUMER DISPUTES AFTER RESOLUTION '' and EQUIFAX has not adhered nor respected this. Surprisingly XXXX and XXXX have both already made the correct updates, but Equifax has not executed these changes. I demand Equifax take the proof I am submitting AGAIN & REMOVE ALL COMMENTS AND STOP ADDING NEW ONES : Consumer Disputes- Reinvestigation in Process Consumer Disputes After Resolution The only thing this account should say are the ORIGINAL COMMENTS : CLOSED PER CONSUMER. IDK XXXX XXXX XXXX or any of these credit bureaus put notes on an account I NEVER disputed and that has been archived for years. These people just like to make people 's lives XXXX & disrupt their livelihood.
Complaint sub-issue: Information belongs to someone else

I received this letter today from Equifax asking for proof of identity. I am enclosing I'd, ss # and police report fromXX/XX/XXXX where I did a police report 2 months ago for idenity theft. I found numerous accounts on my credit report that's not mine nor did I authorize. All these accounts were open online. Without my knowledge. Please remove the following from my credit report. 
INQUIRIES : : : : : XXXX XXXX XXXX XXXX XXXX XXXX x3 XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Accounts : : : : : : : : : : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

FCRA violations : not my names XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX  XXXX ; XXXX XXXX XXXX FCRA violations : not my address XXXX XXXX XXXX XXXX, XXXX XXXXXXXX
Complaint sub-issue: Didn't receive advertised or promotional terms

First phone call : I called to confirm promo and what credit bureau is used since my credit is frozen They answered my question. The promo he had said " It is in an ongoing promo '' which means to me, that it is running, and something they always have. To Discover this means that it is something they sometimes have. Very misleading. 

I call because one of the credit bureaus was unable to be un-frozen. I called they ran a different and approved prior to this again verified the promotion. I did not have time to do the balance transfer at that time. 

I call after work to setup balance transfer. I'm told it is a 14 month promo, not 18 as promised on their website. They are not willing to honor the promo. They have since pulled my credit, approved a line of credit for something that I do not want to use as there are other options for me at 18 months. If I wanted something shorter I wouldn't have opened a new line and used a line of credit i currently have. 

They want me to fax the screen shot. I do not have access to a fax. I sent the link to the promo to them via XXXX messenger. Due to account security they refuse to forward to the manager required. It is not account information. It is a direct link to their site showing the promotion. I asked to talk to a higher manager and they are refusing. They are insisting on things they can't do instead of what they can. This is the digital age. I should be able to do this all via e-mail. How am I supposed to fax a link? They can't click on it. This could have all been resolved, but they insist on dragging it out. 

This is very poor business practice. Especially saying it is an " ongoing promotion '' What does that mean to you? Means to me that it is something that is available all the time. My credit has thus been pulled based on the information they have provided. This I am not able to undo and now is a negative impact on my credit score.
Complaint sub-issue: Can't qualify for a loan

ECMC has began reporting an account to the credit bureaus without contacting me and verifying the debt first. I have not been contacted by ECMC in any way ( mail, phone, e-mail etc ... ) and given the opportunity to address the alleged debt that has been placed in collections on my credit report. I attempted to contact ECMC via certified mail, with the address provided in the credit report which was listed as being XXXX XXXX, MN XXXX. According the the post office tracking number my certified mail is being " returned to sender '' due to that address being unknown. Since I have n't been successful in contacting ECMC via mail, I am submitting this complaint. Below is essentially the body of the letter I sent to ECMC on XX/XX/2017, which has been returned to sender. 
-- -- -- -- -- -- Dear ECMC, This letter is in regards to item/account being reported to the credit bureau ( s ). I have not received any correspondence from your company attempting to collect a debt. I have not been given the opportunity to address this alleged debt with your company before you began reporting to the credit bureau ( s ). Please cease reporting this item/account ( alleged debt ) to the credit bureaus until the alleged debt can be verified. This is not a refusal to discharge any debt that I may lawfully owe ; In fact, I agree to discharge any debt that I may lawfully owe, once the alleged debt has been verified. What is being requested as validation and verification of the alleged debt is listed below. 
1. Verification of the debt, which includes the actual accounting 2. Verification of your ( ECMC ) claim against me ( XXXX ) ; that is a signed invoice 3. The contract binding both parties ( XXXX and ECMC ) Upon receipt of the above requested items, the proper actions can be negotiated between me ( XXXX ) and your company ( ECMC ) to discharge the debt. Until the debt can be verified, as mentioned previously in this correspondence, please cease reporting this alleged debt to the credit bureau ( s ). Thank you, in advance, for your prompt attention to this matter.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Thursday, XX/XX/XXXX at XXXX PM Receive two text messages from XXXX XXXX XXXX about charges on my credit card. 

Your XXXX XXXX XXXX XXXX acct ending in XXXX was used at XXXX, XXXX for {$0.00} without the card present. Reply STOP to opt out. 

Your XXXX XXXX XXXX XXXX acct ending in XXXX was used at XXXX. XXXX for {$20.00} without the card present. Reply STOP to opt out. 

Thursday, XX/XX/XXXX at XXXX PM Call customer service phone number ( XXXX ) on back of card to let them know those were not my charges. XXXX XXXX ID # XXXX said he did not see any such charges and the text was probably spam. 

Friday, XX/XX/XXXX morning Log onto my XXXX credit card account to see how much of a credit ( - {$17.00} ) I have and then see that they allowed the {$20.00} transaction to go through. My {$17.00} credit is no longer available to use during the holidays. 

Friday, XX/XX/XXXX at XXXX AM Call customer service phone number ( XXXX ) spoke with XXXX ID # XXXX asked her why the charge went through. She didnt know but they would do an investigation and I would get my credit in 2-3 billing cycles. 

I asked to speak with a supervisor, XXXX ID # XXXX, she told me the same thing, they would do an investigation and I would get my credit in 2-3 billing cycles.

Why do I have to wait to use my credit of {$17.00} because they allowed a fraudulent, unauthorized charge to go through? And then wait 2-3 billing cycles to get my credit back! I asked them to cancel my credit card account because they dont follow security protocol and Im paying for their mistake.
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted Equifax on numerous occasions regarding my XXXX XXXX XXXX XXXX ( XXXX ) account. 

Equifax is stating that I was 60 Days late for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. According to XXXX records I was not late for those 6 months as reported by Equifax.
Complaint sub-issue: Add-on products and services

I just recently uncovered a payment protection plan with my long held Discover card. I found out through an article outlining all the trouble the Discover card had with this plan. People were signed up without their permission. Like us. 

My wife and I never signed up for this added plan. On the phone with the Discover card people, they would not provide evidence that either of us did. I specifically asked for them to send me proof that we signed up. The first person said that they did not have that proof and the subsequent supervisor said they could not because of policy. 

We were covered with a similar plan through work and would not duplicate it with the Discover card. 

They would cancel the plan and refund six months worth of payments. 

This has been going on for 15 years.
Complaint sub-issue: Personal information incorrect

Equifax Will Not Let Me File A Dispute. XXXX : After receiving 5 emails from XXXX that there was derogatory info posted on my Equifax report, I tried to view my Equifax report and file an online dispute with Equifax. I entered all requested info on the Equifax form multiple times [ name, SSN, address ]. Each time I was given a page of 4 multiple choice questions to verify my ID. Each question asked about credit cards I 've never had, banks I 've never heard of or dealt with. I 've never had an auto loan in my life!. I completed my last XXXX in XXXX and have no outstanding student loans. So the correct answer to each question was " none of the above ''. That generated a page saying " Unable to Confirm Identity ''. Tried spelling my name exactly as it is on my SSN card [ slightly longer ]. Now Equifax could n't find my file & did n't even offer security questions. Friday XXXX, I phoned Equifax with these problems. Spent an hour talking to 3 ladies in the XXXX, including the supervisor. She said she filed the complaint for me and gave me a 10-digit confirmation number. She could not mail me a copy of what she wrote down as my complaint, so I could be sure she got it right. Tried entering the XXXX digit confirmation number today at Equifax site. Got " Unable to process your request '' .Help!
Complaint sub-issue: Problem getting your free annual credit report

this is in reference to complaint # XXXX. Where as I told by CFPB notifield me that SageStream LLC refusal to answer complaint. this is no surprise because SageStream refuse to answer request for a copy of my Consumer report and to put a freeze on my credit report. Still to this day. I submitted a forth request via certified mail # XXXX that was signed and delivered to the company on XX/XX/2020. When this complaint is forwarded to Sagestream it will be followed by a lawsuit being delivered to there registered agent and they will be able to answer for there transgression in a court of law where i I will sue for damages as I am able to do under the FCRA. I dare them to not answer that complaint when it is delivered.
Complaint sub-issue: Their investigation did not fix an error on your report

on XXXX XXXX i requested a reinvestigation in to the dispute results from a dispute about the XXXX XXXX  Acct XXXX. I stated that the account information was incorrect and inaccurate. On XX/XX/XXXX I recieved a response from equifax that they had completed the reinvestigation and that the account information was correct. Twice both Equifax and XXXX XXXX  have certified that the account information is accurate and correct. XXXX XXXX  reports the following : Date of last payment : XX/XX/XXXX Actual payment amount : {$0.00} XXXX -- -- Clearly inaccurate as you cant have a payment of {$0.00} Date of first delenquency : XX/XX/XXXX Account History with Status Codes XX/XX/XXXX 30 days past due XX/XX/XXXX 60 days past due XX/XX/XXXX 90 days past due XX/XX/XXXX 60 days past due XXXX -- - in order for the account to go from 90 days past due to 60 days past due a payment must have been made for the amount due in XX/XX/XXXX. This ayment is not reflected. CLEARLY THE REPORT IS INACCURATE AND INCORRECT and inaccordance with the FCRA must be deleted in its entirety. The problem here is that both XXXX XXXX  and EQUIFAX have both certified this clearly incorrecrt information as accurate TWICE. If EQUIFAX had done its job and looked at the report by XXXX they would have noticed the inaccurate information.
Complaint sub-issue: Other problem getting your report or credit score

Attempting to login with existing credentials, active plaintiff in class action against equifax involving data breaches and not receiving promised settlement benefits, unable to display profile and account access is unavailable for unknown reasons for 2 years to current
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I sent Equifax a factual dispute showing the inconsistencies in the account they were reporting. The date of delinquency was incorrect on my reports. The correct date of delinquency is XX/XX/XXXX. The accounts were showing XX/XX/XXXX. On XX/XX/XXXX I received a credit report stating this account had been verified. I sent the same letter to XXXX and XXXX. XXXX stated they were unable to verify the account and removed the account. In XX/XX/XXXX, I received notice from XXXX that they were unable to validate the account and the account was removed from my report. I also received notice from XXXX that the account was unable to be validated and the account was deleted from there as well. I send a follow up letter to Equifax on XX/XX/XXXX stating that inconsistencies were still being reported as well as proof of the date of delinquency from the creditor. As of XX/XX/XXXX, I still have not heard back from Equifax. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. If this is the case, then the account has never truly been verified by Equifax as it was deleted from XXXX, XXXX and XXXX.
Complaint sub-issue: Problem with personal statement of dispute

When the rates lowered last year. I started applying to refinance my home. I spoke with over 20 lenders. Even though my credit score was over 700 and my LTV was 30 %XXXX I was denied over and over again. I spoke to the lenders who pointed out one issue preventing me from being approved. PNC bank had added a comment to all three credit agencies stating " Foreclosure Started ''. I agree that I was late in my payments on several loans due to divorce, however, I made great efforts to avoid foreclosure and bankruptcy. What I learned is those two words " Foreclosure Started '' is treated as the same as an actual foreclosure. I sent a letter to PNC on XX/XX/XXXX asking for this comment to be removed. PNC did not respond. I sent a follow up letter on XX/XX/XXXX. PNC denied my request to remove that comment on XX/XX/XXXX. PNC stated that my home was in foreclosure for 21 days and that they could not remove that comment. I believe this comment was purposely and deliberately put on my credit report to ensure I would suffer seven ( 7 ) years of inability to secure another loan. PNC even admitted that the loan was paid in full including fees. How can I be treated as a consumer who had a foreclosure when no foreclosure ever took place? The loan was satisfied. What reason does PNC have to punish me for 7 years as a borrower? Why is it protocol for every other lender in the U.S. able to deny me credit based upon a comment that doesn't tell the whole truth? I would like the CFPB to assist me in having PNC Bank remove a comment on my credit reports. This simple comment has the same power as an actual foreclosure or bankruptcy by denying me credit for 7 years.
Complaint sub-issue: Frequent or repeated calls

XXXX XXXX XXXX is the creditor. 

After 1 day past due they begin calling from numerous numbers and calls are often back to back. They also never leave a message and allow you time to respond. They have also called my work number despite being asked to remove that number from their file. 

The calls are incessant and unwanted. I have asked that all communication be through the mail and have had no success.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I JUST NOTICED SEVERAL INQUIRES ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE.
Complaint sub-issue: Reporting company used your report improperly

account. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name XXXX # XXXX, has violated my rights. 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 a 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 vears. 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
Complaint sub-issue: Didn't receive advertised or promotional terms

Credit Karma advertised multiple credit cards to me with pre approval odds at 90 %, give or take, but I would always get denied and take hits on my credit report.
Complaint sub-issue: Billing problem

I am submitting this statement as a formal complaint to US Bank for the unscrupulous business practices used against me in reference to RV loan. 
Since XX/XX/XXXX Ive been making extra payments on my loan. I was under the impression ( my fault for assuming ) the extra payments were going entirely to principal only. A few months ago I realized the error and have been trying to get my extra payments reversed to principal only. I have called no less than six times and each time, except once, I was told the payment would be reversed after time frames from 3-5, 7-10 business days. After that period some or none of the payments were reversed. 
While this was going on I was asked how I was making the extra payments. I explained I was using Bill Pay from XXXX. I was told that would not work for principal payments. I was given the address of, US Bank principal only, XXXX XXXX  XXXX XXXX Wisconsin. Before setting up my bill pay I made an additional payment VIA a check for {$2000.00} on XX/XX/XXXX. That check was sent to the above address with the words ( principal only ) written in the memo section of the check. That payment was applied to principal and interest. After I set up my bill pay to add the principal only address ( the same one listed above ) I made extra payments intended for principal only that were applied to principal and interest. It was during one of my many calls to US Bank I was told that because XXXX was not included in the address, the bank had no way of knowing it was a principal only payment. I find it hard to believe that a bank could receive a check and electronic payments at a separate address form my normal loan processing point and not know how the customer wants the funds applied. I also think I was intentionally given the wrong address in an effort to stop and or delay me from making additional principal payment. 
I tried to file a formal complaint with US bank by using their online customer service tool. The agent I chatted with told me he would file the complaint on my behalf, so I sent him the above paragraphs. He relied saying the complaint has been submitted to the appropriate department I asked what department and when could I expect a reply. He said he sent it to customer service and they are unable to contact me. I feel I was intentionally misled by the agent by making it appear I was filing an office complaint when the reality it was just an other road block by US Bank to keep me from getting my money applied to my loan correctly. 
I now know I didnt follow the proper procedure for making principal only payments. Since I learned about the error, I have tried to get those payments reversed and to make principal only payment and US Bank has put up road blocks and has stalled and lied about reversing my payments. I am convinced US Bank is doing these things intentionally in an effort to maximize their profit and is essentially stealing my money. 
I am requesting US Bank immediately reverse ALL the extra payment I made and apply the interest paid to the principal of the loan. I am also requesting a detailed statement of those transactions. 

Thank you
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

On XX/XX/2018, I received a phone call from XXXX XXXX XXXX advising they were attempting to collect an outstanding debt which was transferred from Lending Club. The amount was for {$20000.00}. He was interested in setting a payment plan to repay this amount. At this time i advised the rep with this company I was involved with a debt mang company, he was provided with the name and phone number of the debt mang company. he stated they have dept that works specifically with debt mang programs which would not be an issue. On XX/XX/2018, i contacted my debt mang program to inquire if XXXX  contacted them they did not. I reached out to XXXX to inquire on why they did not, they stated the number did not work. The number again was provided with an extension, which has been the same number i have been using to contact the mang company with no issues. On XX/XX/2018, i spoke with the mang company and asked if XXXX contacted them they had not. I have not heard from XXXX  since XX/XX/2018. This amount of {$20000.00} is currently listed on my credit report as an active collection record which hurt my credit drastically. besides the phone call the credit report was the only other way i knew what was going on with this loan. also the creditor listed for this account is XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I have been a victim of Identity Theft
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 60 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

XXXX, Equifax and XXXX are showing inaccurate information on my credit file a XXXX XXXX auto loan, XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX all these account have been charged off/ wriiten off or sold to another collection company which under the fair credit act the companies charged it off on their taxes, which technically means that they can not come after me and should be deleted off my report and wellsfargo is reporting late payments if I 'm technically making payments so it also has to be removed. this is impacting my credit tremendously please take action
Complaint sub-issue: Reporting company used your report improperly

I recently got copies of my credit reports, the following are hard inquiries on my account not authorized by me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NA, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX EQUIFAX MORTGAGE SERVICES XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK, XXXX XXXX