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

Sent a dispute to Equifax on XX/XX/XXXX and again one XX/XX/XXXX - no response. I filled a complaint # XXXX in XXXX but was rejected. I sent a notarized Affidavit of Fact on XX/XX/XXXX. Equifax has violated several laws according to THE FCRA 15 USC 1681. My consumer report should not include any of the following ; any factual information may be reported, credit transactions arising from you credit card ( my ssn ), any credit transaction between you the consumer and any person making the report. Equifax did not have any permissible purpose to furnish any of the items listed on my credit report. I XXXX XXXX the Federally Protected Consumer did not give permission orally, in written, or any other way to list these items on my credit report or credit file. Dispute letters, CFPB Letters, and Affidavit of Fact along with Exhibits will be included in the files that was sent previously with no response from XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I noticed a total of 4 charges on my card from the same location around last week of XXXX. I did purchase food from this location on XX/XX/20 but not for the other 3 shown below. 

XX/XX/20 : {$3.00} XX/XX/20 : {$14.00} XX/XX/20 : {$14.00} So I called Citi back for the first time back in last week of XXXX and explained the situation to the customer service agent. 
The charge for {$14.00} on XX/XX/20 was showing that it was still pending at the moment. She told me that she'll cancel my card and send me a new one. She also mentioned that it's going to be under investigation and it will be resolved. 

I waited for about 3-4 days and I logged on my account again to see if there was any updates on my dispute. I noticed that there was nothing under " open disputes '' on my account and I noticed another charge from the same location at XX/XX/20 for {$12.00}. So I called again and spoke to about 5-6 different departments and it was very frustrating because I had to explain the whole situation multiple times. I was told that the XX/XX/20 charge for {$12.00} won't go through because I already canceled the card and that everything should be resolved. 

I logged on my account again yesterday and saw another charge that was made from the same location on XX/XX/20 for {$3.00}. 
Now I have total of 5 posted charges from this vendor that I didn't approve or make.
Complaint sub-issue: Old information reappears or never goes away

This company is reporting erroneous information on my credit report and negatively affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my civil rights according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.
Complaint sub-issue: Account information incorrect

Equifax is showing that I owe {$1000.00} to a firm named named XXXX XXXX, XXXX ( bad debt buyer ). 
This case was taken to Mag. Court # XXXX before the Honorable XXXX XXXX XXXX, XXXX in court at XXXX XXXX, PA. on XX/XX/XXXX. 
I have notice of settlement/ withdrawal order signed by the judge. 
So far, I have disputed this item, which I have many times in the past to no avail. 

This should not be on my credit report if the case was withdrawn and I have never done business with this firm at all. 

Docket # XXXX Case was filedXX/XX/XXXX and withdrawn XX/XX/XXXX.
Complaint sub-issue: Didn't receive enough information to verify debt

In XX/XX/2020, I received a letter form IC System for debt collection on behalf of XXXX XXXX  XXXX which total in {$61.00}.

I called the debt collector firm right away as I wasn't aware of any amount owed nor I do not recall I purchased anything from the hospital institution.

The debt collector asked me if I want to dispute the transaction and submit a request to receive a itemized receipt from the hospital, I said yes. I stated that I do not have problem with paying the amount, but out of principle I just don't hand money out to anyone without proof of service/ receipt.

The debt collector asked me look out for a letter from hospital that should arrive in few weeks. I waited, but never received the proof nor was contacted again. 
However, on XX/XX/XXXX, I got credit report stating that I have one derogatory account open for {$61.00} and that it was reported to the Credit Institution so it will affect my good standing! 
I called the debt collector again on XX/XX/XXXX and asked about this, they told me that they didn't receive any proof from the hospital but that there is nothing they can do to revert the claims reported on my credit! I paid the {$61.00} hoping it will go away from my credit report, but I am not certain and I found this tactic dirty and unfair. Even if I did own that amount, don't I have the right to see the proof before being reported to the credit bureau? Can you help me to solve this or advice me on the options I have? 
Thank you, XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

I have a debt reporting across all 3 bureaus under the name of L J Ross Associates IN under the Account # XXXX. I have done no business with L J Ross as well as I informed them that my identity was stolen a few years ago in which required me to have setup fraud alerts across all 3 of my credit bureaus. It is illegal for L J Ross to spam me with letters, phone calls, and even send representatives to my doorstep. I need the CFPBs help in stopping this illegal activity right this instant or I will pursue legal counsel.
Complaint sub-issue: Account status incorrect

Theres been multiple attempts made w/the servicer, FedLoan, as well as all 3 credit bureaus, which even shows in the remarks sections on my reports that Ive disputed under FedLoan. Two major issues, not being corrected. I have SIX ( 6 ) open loans w/ FedLoan, 4 of those loans are being reported CLOSED on XXXX . Those same 4, were originally owned accts by XXXX & transferred to FedLoan. These 4 loans show current & open on XXXX  & XXXX. 

XXXX Original Loan info : {$3500.00} disbursed XX/XX/XXXX transfer date unk {$6000.00} disbursed XX/XX/XXXX transfer date unk {$1700.00} disbursed XX/XX/XXXX transfer date unk {$2900.00} disbursed XX/XX/XXXX transfer date unk 2. My other major issue w/FedLoan is that only on XXXX  report in the remarks section, on the 4 CLOSED loans. My Chapter XXXX Bankruptcy information is listed as if I filed w/FedLoan included. NO student loans were included in my Chapter XXXX Bankruptcy, filed XX/XX/XXXX, later discharged XX/XX/XXXX. Bankruptcy case filed in XXXX  XXXX, MO. US Bankruptcy Court # XXXX XXXX. It was filed under my married name. Which I am now back to my maiden name. They can always verify that information, Ive disputed several times w/ documentation & it still has not been corrected by XXXX  nor FedLoan.
Complaint sub-issue: Reporting company used your report improperly

Excessive Credit Pulls from the same company. 

Spoke with XXXX XXXX XXXX they confirmed XXXX XXXX XXXX XXXX XXXX pulled my reports in access of 6 times. They have completed investigation and requested inquiries be removed. hese are still showing on my bureau. They agreed there is no reason for multiple pulls in 24 hr time span. 

Credit Bureau used Equifax & XXXX dates pulled XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

XXXX XXXX did not have the authority to continue to pull my report multiple times in a few days. Date on the application was XXXX XX/XX/XXXX. They were not authorized to continue to pull. 

Please remove inquiries from my credit bureau.
Complaint sub-issue: Debt is not yours

I received a letter at my home address in XX/XX/XXXX from a collection agency XXXX XXXX XXXX that had my last name and a different first name. The letter referenced a Best Buy debt that was not mine. I contacted Best Buy to ask about the debt. They said that the debt was not mine but they would not provide any details about the person whose name was on their account. They told me to call Citibank who handled their credit accounts. 
I contacted Citibank. They had no record of the debt and they had no record of an account in my name. 
Since XX/XX/XXXX I have been receiving collection letters on this debt. Neither Best Buy, Citibank or XXXX XXXX XXXX will provide any information about the debt even though they all say that the debt is not mine. I have sent letters, faxes and had multiple phone conversations, none of which has resolved the problem. 
The problems : 1. I am receiving collection letters to my address with a name that has my last name and a different first name. 
2. This is not my debt. 
3. No one from Best Buy or Citibank will provide information nor will they turn it over to their fraud department for investigation because they say that the debt was sold to XXXX XXXX XXXX. 
4. XXXX XXXX XXXX says that they either can't provide information about the debt because a ) it's not me on the account or b ) because they bought the debt and have no details about what it is that was on the Best Buy purchase. They can't even give me the date of the purchase.
Complaint sub-issue: Their investigation did not fix an error on your report

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to zero or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Complaint sub-issue: Problem with statement of dispute

Hello, I am XXXX XXXX XXXX. My household income is solely based off SOCIAL SECURITY for me and my XXXX children. I am XXXX since XX/XX/XXXX. On XX/XX/XXXXXXXX last known use of all and any type of Internet or Wi-Fi usage for XXXX XXXX. I was XXXX on XXXX/XXXX/XXXX in the county of XXXX. At my residence remained XXXX XXXX XXXX along with my XXXX children. Bank Accounts from me both checking and saving along with XXXX son his Bank Accounts checking and savings were being misuse with out my consent or agree to the transactions occurring on and after XXXX/XXXX/XXXX. I am attempting to gather all and every document needed to prosecute this person/people who still continue to misuse my personal information at will.
Complaint sub-issue: Debt was paid

I was charged because of equipment I had from XXXX. I was told I could send it back and would not owe for it. They sent me a return label and I sent it back. Now I 'm getting letters that it was sent to collection. I should not owe for this, I have tried to call and every time I get told it will be researched but it still has not been.
Complaint sub-issue: Investigation took more than 30 days

Companies response says they will take longer than 30 days to resolve the dispute. Fcra allows them 30days. The information they provided violates the fcra because it lies about the time frame a company has to resolve a credit dispute. A creditor can not provide misleading information to a consumer. Their response attached. FTC theft report number is XXXX. Please remove from credit bureaus.
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX I reside at XXXX XXXX XXXX XXXX XXXX, Al XXXX for over 10 years. Never have I lived in XXXX XXXX. I believe this is fraud from a family member. Please see idenity theft report. Enclosed and my Alabama drivers license. Please remove XXXX / XXXX XXXX This is not my Debt!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : State a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent IRS Not ice of Withdrawal of Federal Tax lien to  Equifax,  XXXX  and  XXXX  to delete the entry from our records, and they have not.
Complaint sub-issue: Information belongs to someone else

I recently reviewed my credit report and I discovered some inaccurate accounts reporting on my credit file. Those derogatory accounts do not belong to me and I have no knowledge of those accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file.
Complaint sub-issue: Right to dispute notice not received

I moved out of XXXX XXXX XXXX XXXX, MO XXXX 2015 because I lost my job and was forced to move in with friends. During the same month I was told that I could buy out my lease, but only had 20 days to do so for about XXXX. I could n't come up with that amount of money that fast. By XXXX 2015 I started receiving collection notices via mail and phone by a bill collector named Hunter Warfield in Florida. They are trying to collect over {$8000.00} for moving out of the apartment before the end of the lease. I told the bill collector that I had agreed to buy out the lease with the apartment complex manager via emails and he did n't care. He told me to call the apartment complex and discuss that with them in which I did via emails. The apartment manager told me there was nothing that she could do since it was at the bill collectors office. Also, I asked her to let me have my apartment back and I would catch up the late rent but she said no. I had only been out of the apartment for a month and a half. Taking to the bill collector again I told him that I could prove the agreement for buying out the lease for {$2600.00} but he refused, said the emails could be altered. He said they want over {$8000.00}. and nothing less. I asked for an itemized bill in which I received XXXX letters. XXXX letter with no itemization on it just the {$8000.00}. amount. The second letter said all collection processes were going to stop until the debt could be verified. Now, this past week the bill collector started calling again demanding {$8000.00}. When I told him the amount was wrong, not within the laws of the state of Missouri, asked him not to call my cell phone anymore, he hung up on me. Today, my mother said Hunter Warfields office called my moms home phone asking for me which I found embarrassing because I had to explain why a bill collector was calling them. There number is listed in the white pages so I guess they are going around calling all my relatives.
Complaint sub-issue: Didn't receive enough information to verify debt

Hunter Warfield Inc response didnt resolve the issue on verification of debt I supposedly owe, they stated a letter was sent out XX/XX/2029 for validation that I never received or had any knowledge of this debt and then 6 months later they stated they just reviewed records, which doesnt makes sense, I only seen knowledge of this alleged debt through their response from my complaint.
Complaint sub-issue: Information belongs to someone else

I have never opened a XXXX Credit card with XXXX XXXX ending in XXXX. I am in the process of disputing this account from my credit reports opened in my name in XXXX and XXXX. The XXXX account shows it was closed and the XXXX account shows it is still active and open. I have been out of the country for over 6 years and never shop at XXXX. Their fraud dept sent me a letter and I am very concerned because this is ruining my credit & the balance is very high. Please help me remove this from my credit history. The credit bureaus advised me to file a fraud complaint with the FTC regarding any fraudulent accounts opened in my name. The second account is XXXX XXXX  and XXXX which I never opened with high balances that were put into collections.
Complaint sub-issue: Problem getting report or credit score

I accessed the FTC 's XXXX site to request a free credit report online from Equifax. After I entered my personal data and received the credit report, I noticed Equifax offered to provide my " credit score '' for a {$7.00} fee. Only after paying the fee and receiving the score did I become aware that the " credit score '' was n't the FICO credit score, but rather a so-called " Equifax proprietary score ''. Knowingly using suggestive, if not outright deceptive, language to unfairly profit from unsuspecting consumers is essentially a form of bait-and-switch. 

I referred back to the FTC website, who hosts the link to XXXX, to see if I could file a complaint, however, they refer consumers back to the offending credit bureau and the CFPB before they will get involved ( XXXX ). 

I am attempting to file a complaint with Equifax to request having my fee refunded, but I 'm not sure they 'll honor my request. I am sure there are untold numbers of unsuspecting consumers who are being similarly duped without realizing it and thus wo n't demand to have their monies refunded. 

Also, Equifax does n't appear to have the mechanism on their website to appeal the fee or request a fee refund. The only option I could find was related to inaccuracies on a credit report. 

I appreciate your efforts and advocacy on behalf of consumers nationwide and hope this could be an area where credit bureaus can be made to clean-up the way they do business. Thank you.
Complaint sub-issue: Problem getting my free annual report

On XX/XX/2017 I filed an online request with Innovis Event # XXXX ( Proof of Address copy attached pg2 ) requested a free annual credit report. I never received the report. 
On XX/XX/2017 I called Innovis ' toll free line from a number they have in my credit file. I informed the CSR ( XXXX or XXXX ) that I had not received my report. We determined that it was not forwarded from my Arizona address to my Colorado address. He told me that they could only send the report to a verified address and said I could send a PO Box receipt for the new address by fax to Innovis with the event number. 
On XX/XX/2017 I sent a copy of my USPS box renewal notice with my name and current PO Box number to Innovis via fax. I also included a copy an envelope from my insurance company showing my name and the previous AZ address being forwarded to my current PO Box ( see Proof of Address - pg1 ). 
On XX/XX/2017 I received an unsigned letter from Innovis ( " Innovis Letter '' attached ) acknowledging that Innovis had received my fax of Proof of Address but required XXXX " of the acceptable forms of proof documentation reflecting your current mailing address ''. XXXX of the documents options that the Letter lists is a " Post Office Box Receipt ''. Since I already sent the official renewal invoice from my new PO Box , I have already verified the address as mine. 
It is unclear why Innovis believes that the US Post Office can not be trusted to properly vet persons that forward mail. I have not found that to be the case. In fact other major credit reporting agencies have not restricted forwarding of my credit report by the US Post Office to the same PO Box I have verified for Innovis. There is no justification for further delays in delivering my credit report to my verified mail address.
Complaint sub-issue: Was not notified of investigation status or results

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Complaint sub-issue: Threatened to take legal action

I represent a client that owes for a Dental bill. Recently, a Collection Agency issued a wage garnishment in CA. The debtor filed a Claim for Exemption as his right to do so, and in response the Collection Agency Manager is retaliating. Not only did he use profane language regarding the debtors request to try to resolve this, the Manager stated that he ca n't wait to take him back to Court to get an additional {$500.00} in Legal fees because he makes a lot of money, and then hung up.
Complaint sub-issue: Can't temporarily delay making payments

I am trying to defer my private loans ( Total = {$73000.00} ) from Sallie Mae until I graduate with my XXXX XXXX XXXX. The application for deferment was faxed to them by the registrar at the school I currently attend on XX/XX/2021. I was " denied '' for this deferment although they never sent me a formal notice saying so until after I contacted them by phone on XX/XX/2021. They said the reason was that I can not defer my loan payments for more than a total of 48 months. When I checked the promissory notes that I signed, no maximum amount of time for an in school deferment period was mentioned. They did, in reference to deferment, however, use some very vague language saying " If we approve your request, we will tell you how long you can postpone payments and whether you have to make any payments in the meantime. '' Nothing about that statement says what the criteria is for the request to be approved. No maximum amount of time for deferment was mentioned anywhere in the document. 

Furthermore, the same section of this promissory note, 2 bullet points below, says " We may also postpone your payments, even if you have not asked us to do so if Student returns to school at least half time. '' The word " may '' here is ambiguous. What are the conditions under which Sallie Mae would do this automatically? They should be listed in the note, but they are not. It is also worth noting that the word " School '' is defined in the document with a capital " S '' to mean " the school identified in the application, '' and is used multiple times in the promissory note WITH the " S '' capitalized to refer to that school. However, at the end of the document, there is a statement without the " s '' capitalized that reads, " This loan does not require payments while you are in school and for a separation period of 6 billing cycles thereafter. '' Since that statement is in the documents that Sallie Mae sent to me, which does not specify which school I need to be in, it should not even be necessary for me to even apply for IN SCHOOL deferment. 

Since they ( 1 ) never sent a copy of the promissory note via mail despite sending a bill for {$0.00} for every month my loan was in deferment, ( 2 ) never sent a formal statement denying my request for deferment until after I called them a month later, and ( 3 ) won't discuss repayment options until 6 days AFTER the DUE DATE of my first payment ; I have a strong suspicion that THEY don't believe what THEY are doing is legal. Had they been at least ethical enough to tell me, unambiguously, the terms of in school deferment IN THE PROMISSORY NOTE that I signed my name on, I would have avoided signing the promissory note and looked for another lender. That way I would not be in a situation where I have to consider relinquishing my dream of becoming a XXXX  to avoid permanently destroying my credit.
Complaint sub-issue: Their investigation did not fix an error on your report

DO NOT CLOSE THIS COMPLAINT!!! this is not a complaint from a third party company. This is a complaint made by me XXXX XXXX. 
So I am the victim of identity theft. I would like this to be taken care of I have filed a police report which is included and i would like the accounts removed from my credit.