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

ALL THREE CREDIT BUREAUS ] EQUIFAX, XXXX AND XXXX HAVE DIFFERENT INFORMATION ACCORDING TO THE FAIR CREDIT REPORTING ACT 12 U.S.C. CH 16 ; 1830-1831 ALL THREE CREDIT BUREAUS ARE TO HAVE ALL THE SAME INFORMATION AT THE SAME TIME. 

[ EQUIFAX APPEARS TO HAVE THE MOST ACCURATE INFORMATION ] Old information remains on my credit reports and does not go away. Old addresses, phone numbers and employment. [ My updated student loan information is only shown on Equifax and not XXXX AND XXXX ] XXXX AND XXXX NEVER HAVE A REPRESENTATIVE AVAILABLE TO DISCUSS ANY ISSUES PERTAINING TO CREDIT THE INFORMATION REMAINING ON MY CREDIT REPORT MAKES IT DIFFICULT FOR ME TO GET GOOD CREDIT WITHOUT PAYING PHENOMINAL FEES.
Complaint sub-issue: Denied request to lower payments

I have had my {$430.00} auto loan payment with car max finance for 2 and 1/2 years and up to XX/XX/2020 I have been current with my payment. Due to coronavirus impacts I have been unable to work and have depleted my savings paying rent buying food and making my car payment so I have {$0.00} money left and since XXXX have fallen behind on my rent and car payment. I reached out to car max asking for some help letting then know I was unable to make my XXXX payment due to work problems related to covid 19 and if there was anyway to get some help or delay my payment. I spoke with a representative in XXXX asking for help and letting them know my finances and I was told due to no form of income they would bot help me ... .which makes zero sense because if i was able to find work why would I need help putting off the paymet? The people who need help are the ones being effected by the coronavirus and have lost jobs or are unable to find work due to the shutdown of the economy! It makes no sense that I can not get help because I have {$0.00} income at the moment but for the last 2 1/2 years been current with my payments! I need help so my car that ive worked so hard to pay on the loan for the last 2 1/2 years dose not get taken back with only a year and a half left of payments till I own it. Its sad that Car Max Finance cares so little about their paying customers that they are unwilling to help put off payments in this troubled time!
Complaint sub-issue: Other problem getting your report or credit score

On XX/XX/2018, I applied online to received my credit report and score. I paid for it with my card ending in XXXX. I was prompted to contact Equifax after my verification. I talk with representatives twice on XX/XX/2018 and twice on XX/XX/2018. I still did not receive my score and report in which I was charged XXXX. I was instructed to take out a credit monitoring service, which I declined. I explained that I had paid for my score and report and that's all I wanted, The representative hung the phone on me twice after the repeated calls. I requested for a supervisor, who asked for another credit card to process a new order. I explained that I paid for my score and report and I will not give them another credit card for something I already paid for in advance. I have a limited income and can not afford to shell out money because of an Equifax problem. 
I did my part and paid for the product. Equifax was negligent with delivering the product.
Complaint sub-issue: Information belongs to someone else

I have no knowledge of this account, therefor i believe i am a victim of identity thief. I haven't received any money of services from this company. 

XXXX XXXX XXXX XXXX XX/XX/2019 {$530.00}
Complaint sub-issue: Information belongs to someone else

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. Accounts Opened Amount Social Security Admin XX/XX/XXXX {$32000.00} XXXX XXXX XX/XX/XXXX {$140.00} Hard Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Carmax XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Account information incorrect

XXXX XXXX violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so XXXX XXXX has violated this law because this late payment is reporting on XXXX, Equifax and XXXX. 

15 USC 1681a ( 4 ) says, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so Capital One has violated this law because this late payment reporting on XXXX, Equifax and XXXX is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX XXXX has violated this law because they furnished this EXPERIENCE to XXXX, Equifax and XXXX and I didnt give them permission to do so.
Complaint sub-issue: Debt was paid

To whom this company This company has lied on XXXX stated they placed my name in collections I've talked to XXXX they stated this is a fraudulent collection agency .. they have no right to be sending collections letters to me. The company name that sending me collections letters { WWW.ICSYSTEM.COM.COM }. location. XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MN XXXX. # XXXX reference # XXXX {$310.00} the amount the are placing on my credit file.
Complaint sub-issue: Was not notified of investigation status or results

Hello! 

I sent letters to this company on XX/XX/2022 and have yet to hear any type of responses. I have reason to believe that information is being reported inaccurately on my behalf and I am aware that this is a violation of my rights! Also, this inaccurate reporting is causing emotional turmoil as I am not able to be approved for things that I need to better my life and existence. 

All I asked for was a re-investigation because I am positive that the information is being inaccurately reported. 

I truly demand a re-investigation. If not, please remove from my credit report ASAP!
Complaint sub-issue: Information belongs to someone else

I have several inaccurate statements on my credit report including several accounts that do not belong to me. Am I a victim of identity theft or is this a mistake? 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX - Opened XX/XX/XXXX - Original Creditor = XXXX XXXX XXXX XXXX - {$200.00} XXXX XXXX XXXX - Opened XX/XX/XXXX - Original Creditor Name = XXXX XXXX  XXXX XXXX - {$160.00} XXXX XXXX XXXX - Opened XX/XX/XXXX - Original Creditor = XXXX XXXX XXXX - {$430.00} XXXX  XXXX XXXX XXXX - Opened XX/XX/XXXX - {$220.00}
Complaint sub-issue: Information belongs to someone else

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

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

I am the consumer, aggrieved party, violated by XXXX XXXX and Equifax in conspiracy to disgrace consumer and deny demanded notarized verification of disputed alleged debt. Equifax has refused to perform required investigation of fraudulent consumer reporting in addition to violation of exclusions of transactions or experiences ( balances, past due, credit usage, negative remarks etc. ) from FCRA 603 ( d ) consumer reports. Verification in the legal context refers to a declaration under oath or upon penalty of perjury that a statement is true. Equifax has not performed appropriate investigation to confirm by notarized verification name of representative involved in accusation of debt and authorization to furnish personal private consumer credit information to report without written XXXX  Statute 540.08 ( 1 ) consumer consent FCRA 604 ( 2 ). XXXX XXXX  is trafficking my personal information and negatively reporting information against consumer consent. 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose but Equifax fraudulent, inaccurate and unauthorized reports and updates to unaffiliated third parties in breach of duty. XXXX XXXX and Equifax are engaged in harrassment and will not comply with proper notarized verification of the alleged debt in compliance to FDCPA 809 for validation.
Complaint sub-issue: Reporting company used your report improperly

Reports violates my rights to financial privacy under 12 U.S.C.CHAPTER 35 XXXX XXXX XXXX XXXX # XXXX XXXX $ sold to collections. 
XXXX XXXX XXXXXXXX sold as charge off. 
XXXX XXXX XXXX XXXX XXXXXXXX charge off for XXXX $ XXXX XXXX # XXXX sold as charge off. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX charge off XXXX $ XXXX XXXX # XXXX charge off for XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX incorrect balance of XXXX $ also violates my rights to financial privacy. File number XXXX issued XX/XX/2022.
Complaint sub-issue: Their investigation did not fix an error on your report

Over 30 days ago I sent Equifax a letter disputing that the information they have reporting on a car loan by XXXX XXXX is showing inaccurate. In fact there was never a late payment on this loan. As I did more research Equifax is showing the wrong open date of XX/XX/2017, the wrong high balance of {$89000.00} and is not showing the paid off amount of {$86000.00}. XXXX  is showing the account as paid but all three bureaus are showing different balances and open dates. Since Equifax seems that they are not in any hurry to fix this problem I reach out to the Finance Company that I paid the loan off with which is XXXX XXXX XXXX XXXX, and ask them to provide me prove of payment and all data of the transaction of payment with my signature attached.
Complaint sub-issue: Information belongs to someone else

I have been disputing fraud accounts on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX WY XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$280.00} ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXXXX/XX/2022.
Complaint sub-issue: Trouble with how payments are being handled

My loan was scheduled to be forgiven by Fedloan XX/XX/XXXX ( this is without the missing counts on my account-additional forbearance waiver being applied, which wouldve forgiven my loans sooner ). I had contacted this company many times via their email portal, and even via the FSA site, to plead with them to keep my file with them so that I wouldnt have to restart the process with XXXX. I have learned from both FSA and via other folk awaiting forgiveness that Fedloan had the power to decide to hold on to loans nearing forgiveness. I thought for certain I would be one of them as several people have stated that they received letters stating they were NOT going to be transferred to XXXX and would stay with Fedloanthese are people with whom I share similar or exact timelines. Do you know what happens to those of us who transferred to XXXX, with only 1 or 2 months before reaching forgiveness? Our counts reset to XXXX, as XXXX has to REVERIFY all of the counts that Fedloan already did! The timeframe for this is anywhere from 60-90 days. 60-90 DAYS!!! This means that those of us expecting forgiveness in XXXX, XXXX, or XXXX may have to wait until XXXX, when loan repayments begin, to be forgiven. My current count is 118 of 120 ; I will have to resubmit a new XXXX form to XXXX. I am currently in PSLF purgatory ; my loans have been transferred from Fedloan to XXXX but I am unable to create an account at XXXX because they dont OFFICIALLY have my files. This streamlined version of PSLF is a total XXXX-show!!
Complaint sub-issue: Reporting company used your report improperly

I just received an email from Loan Me in XXXX, CA for Application for Credit Denial dated for XX/XX/2019 for a loan i never applied for. I immediately called them and said I never applied for credit with you guys last month, after speaking with the representative I asked to go back in his system on XX/XX/2019 and tell me what representative from Loan Me authorized my credit report to be pulled, assuming they would have that information, he declined and said his system doesn't show it. Their system doesn't show who was assisting the client on XX/XX/2019, are you kidding me? All the information is done over the phone and they can't tell you who you were speaking with or who was handling your personal information. Now I have another inquiry on my credit report for a loan I never applied for and Loan Me can't tell me who authorized to run my credit report on XX/XX/2019. Sounds like the representatives are running credit reports on people without getting there authorization to fill a quota requirement. I will be filing a police report today.
Complaint sub-issue: Information belongs to someone else

The inquiries listed in my report were inaccurate. I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XXXX, XXXX XXXX XX/XX/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 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: Investigation took more than 30 days

Please reference the letter that I am attaching, that was sent to Equifax on XX/XX/XXXX. I asked them to investigate errors on my report and respond. They were supposed to do that within 30 days, but I have not received anything yet.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed the negative information reported by Equifax since XXXX XXXX XXXX. In my dispute I requested that the following be provided to validate the inaccurate information reported by this credit reporting agency : 1- Agreement with your client that grants you the authority to collect on this alleged debt. 2- Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 3- Any insurance claims been made by any creditor regarding this account. 4- Any Judgments obtained by any creditor regarding this account. 5- Name and address of alleged creditor. 6- Name on file of alleged debtor. 7- Alleged account number. 8- Address on file for alleged debtor. 9- Amount of alleged debt. 10- Date this alleged debt became payable. 11- Date of original charge off or delinquency. 12- Verification that this debt was assigned or sold to collector. 13- Complete accounting of alleged debt. 14- Commission for debt collector if collection efforts are successful. To date this information has not been provided to me and the negative entry has affected my credit history  unfavorably.
Complaint sub-issue: Attempted to collect wrong amount

AFNI tried to offer a different amount to collect. The collection listed is paid in full to XXXX on authorization # XXXX. Not to mention the agent was very rude.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. I am filing this complaint to request that you block the following fraudulent information from my credit report : 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 and XXXX XXXX XXXX XXXX XXXX XXXX This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX, XXXX bought mortgage from XXXX in XX/XX/XXXX, and info did not make clear my loan number already belonged to someone they already had. Payments were processed to my account correctly through XX/XX/XXXX, and then they did not show payments. They reported me as making late payments erroneously to Equifax. On XXXX XXXX XXXX showed my score with them as XXXX, on XX/XX/XXXX it lowered 4 points because I had a balance of less than {$250.00} on my {$8000.00} limit. Thought that was bad until it dropped 161 points to XXXX on XXXX because of one company 's incorrect info. 

I do not think that big a drop should be allowed based on one company, and, now that it is corrected and shows they know I have no late payments, I think it should be back in the 800s where we were before. I tried to submit a dispute with them, but it did not seem to take ... and then had someone call to survey my complaint with them. He gave me their phone number to dispute when told him my survey was negative since I did not even know it had gone through, but I found no option to dispute without going to their website, which said there was an error and to try again later. I stopped trying after several days.
Complaint sub-issue: Information belongs to someone else

I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any  transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX are reporting incorrectly a charge-off of {$13000.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and any remaining balance that was due I paid in full. There is no outstanding balance due and owing and therefore nothing to charge-off. This incorrect reporting of a charge-off is seriously harming my credit score and this line item needs to be either removed and/or updated to reflect accurate information on my credit report. I have contacted the ( 3 ) bureaus to remove and/or update these items however, I have not been successful.
Complaint sub-issue: Account status incorrect

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here are the lists of inquiries that are still reporting on my Credit Reports : XXXX XXXX XXXX  XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

On XX/XX/17 Alpine Credit charged my credit card for {$1800.00} confirmation number XXXX. Speaking to XXXX, the authorization to charge the card was based upon their agreement to make an exception to their standard policy and delete the record based upon my address changes that my non-receipt of any prior notices. 

On XX/XX/17 I sent a letter demanding proof that they were authorized and/or contracted to collect the alleged debt and for documentation. No response received. 

I have made two additional calls to Alpine and asked on the status for the deletion, and was told that they do not do that. I advised them of the conversation with XXXX on XX/XX/17 and was told that there was nothing they would do. 

I did not authorize my card to be charged without the aforementioned deletion and would under no circumstances have provided that information to them. 

Furthermore I believe they have multiple FCRA violations on every contact with them, they have never identified that they are a debt collector and that any information they collect may be used. Per the FCRA.
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 Federal Protected Consumer Rights to Privacy and Confidentiality under 15 u.s.c.1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 602 A States i have the rights 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 instruction 15 U.S.C. 1681 ( 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.