Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem during payment process

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX with no successful resolution.Equifax only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Complaint sub-issue: Card was charged for something you did not purchase with the card

on XX/XX/2020 I seen a " change of address '' email for a Macy 's account I never opened ( submitted a complaint for this as well ) Macy 's has stated that the card being used is not in my name therefore they can not do anything about this being tied to my macys account
Complaint sub-issue: Personal information incorrect

I have contacted EQUIFAX multiple times, provided faxed copies of identification verifying my personal information, yet they continue to display incorrect information. 

Furthermore, EQUIFAX has reported a paid account incorrectly resulting in a loss of OVER 100 POINTS TO MY CREDIT SCORE! Both the lender and I have provided documentation as per their ( Equifax 's ) request and they have not updated the file correctly.

As one of the 3 Major Credit Bureaus, I expect the organization to be held to the same standards as the lenders that utilize them.

Equifax sent me a letter rejecting a dispute after I provided irrefutable documentation from the lender and then had the audacity to 'confirm ' my personal information YET IT IS STILL INCORRECT! 
I'm beyond frustrated!
Complaint sub-issue: Information belongs to someone else

XXXX XXXXXXXX XXXX  and US DEPT of ED has fraudulent accounts on my credit profile that need to be removed immediately XXXX XXXX XXXX  acct # XXXX US Dept of Ed acct # XXXX this is on twice
Complaint sub-issue: Reporting company used your report improperly

Checking with Equifax regarding the news report of a hacking incident to this company I received this statement from the Equifax Check Potential Impact website : " Based on the information provided, we believe that your personal information may have been impacted by this incident. ''
Complaint sub-issue: Problem with statement of dispute

Equifax is not properly maintaining the accuracy of my credit report and multiple disputes and a prior complaint to the CFPB has not resolved these issues. In fact it seems the more that I dispute and complain the lower my credit score goes. I am convinced that Equifax is intentionally lowering my credit score as a punitive action to discourage me from disputing inaccuracies and complaining to the CFPB. Currently my Exquifax score is XXXX points lower than my XXXX score and a fill XXXX points lower than my XXXX score. It just seems awful suspicious that my XXXX and XXXX scores ( XXXX recent dispute each ) keeps going up as I work to improve my credit and my Equifax ( XXXX recent disputes and XXXX complaint to the CFPB ) keeps going down. My credit scores effect many different aspects of my financial well being and I find this sort of petty vindictiveness appalling.
Complaint sub-issue: Account status incorrect

I am filing this report against XXXX XXXX XXXX XXXX because they are filing with the credit report inaccurate information. This financial institution has been reporting a delinquency to the credit report despite me giving them my payments on time without any delays. I'm a very punctual person that makes their payments on time always and despite this fact they are claiming that they have conducted an " investigation '' and they are concluding that the delinquency is valid. In addition, they hung up the phone on me multiple times and claimed they will not remove the delinquency to protect their brand. Their brand is not of my concern because they made the error and they need to fix it. If my payment was processed by them on time I'm not supposed to be held responsible for their shortcomings. Therefore, this issue needs to be resolved and the payment that I made on time must be reported correctly. Just because they are XXXX XXXX and they have a high reputation in the automotive industry does not give them the exception to treat consumers like garbage. I make all my payments on time and they can not bring their reputation to avoid responsibility.
Complaint sub-issue: Information belongs to someone else

I recently received an alert on my credit and it appeared to be an account I was unaware of. I am sending this message in regards to the account showing that I opened up a new account on XXXX XXXX, 2017. It is impossible to place an account on my credit file, it is a fraudulent action by your company. I was never contacted by anyone nor did I allow anyone to use my credit without my consent. Now I am seeking a civil case towards your company including Equifax. I did not apply for new credit. It is impossible to own an account after a month so you can remove this account for good. I do n't have any clue where this account came from. You are committing a fraudulent crime. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non- compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States have the right to privacy.

15 U.S.C 1861 section 604 A Section : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Debt was result of identity theft

this is my XXXX complaint against Figloan i have contacted the company more than 5 times on and account that was opened on XX/XX/2021 they recognize that the account was opened by someone other than me they told me that if i completed a police report and filed it with them that they would remove from all XXXX credit bureaus to date they still not have removed from the bureaus Thank You XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX and Account Name : XXXX  XXXX ( Reporting on XXXX XXXX XXXX XXXXXXXX ), Account # : XXXX and Account Name : XXXX XXXX XXXX ( reporting on XXXX XXXX XXXXXXXX ) , and Account # XXXX, Account Name : XXXX XXXX XXXX XXXX ( reporting on 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: Information belongs to someone else

Hello, my name is XXXX XXXX. My date of birth isXX/XX/XXXX and I am a victim of identity theft and have been trying to get the credit bureaus to remove the following accounts that have to do with this theft. The following accounts are a result of identity theft : XXXX XXXX XXXX XXXX XXXX They originally removed these accounts XXXX XXXX XXXX XXXX XXXX XXXX But did not block them and these theft related accounts have reappeared on my report. I have sent letters, filed police reports, etc. I sent all of this with each attempt to get the bureaus to assist me in resolving this with no success. 

I have sent numerous requests for them to remove these items and they make me wait up to 60 days just to do nothing or remove the items and let them rereport.
Complaint sub-issue: Account information incorrect

I am writing to complain about Conn 's Furniture and their deceptive credit reporting practices. On XXXX XXXX 2017 I purchased a bed from Conn 's based off the premise that I was financing approximately {$2200.00} for said bed. They issued a credit limit of {$6000.00} so I thought I was being financially responsible for not maxing this limit. <P/>Cut to today XX/XX/2017 and XXXX XXXX informs me that my FICO drops 100 points! Reason being, Conn 's is reporting that I financed {$4800.00}. This is false information. I was told by the customer service rep when I called in that this is the # 1 complaint they hear and all I can do is write in to complain ( which I did ) and hopefully someone in " upper management '' will make a change. This is wrong! <P/>My understanding of the contract was as follows : 1. My amount financed is approximately {$2200.00} 2.  I received 0 % interest for 12 months, meaning if I pay the {$2200.00} balance before 12 months I pay off the balance owing 3. If I stick to the proposed payment of {$130.00} for the term of 36 months, THEN I would have paid {$4800.00}. <P/>NO OTHER CREDITORS USING PREPAID FINANCE CHARGES IN THEIR REPORTING. Otherwise, people who finance auto loans would show the total amount financed based on the installment schedule as the starting balance. ABSURD! <P/>The reporting methods of Conn 's is fraudulent because it is untrue. It reports an incorrect picture of me as a consumer because this misreporting of my credit usage gives creditors the impression that I am irresponsibly using credit which is the biggest impact on one 's credit report. I 've paid my bills on time and closely monitor my report for such discrepancies.
Complaint sub-issue: Account information incorrect

I have contacted Conns at least 20 times about this issue. 

1. XX/XX/XXXX Conns reporting on a closed account that was current when closed that the payment history was 120 day late. As a result my credit score on XXXX dropped 52 points that day. - ( XXXX XXXX attached showing conns report of missing balance on a closed account and points dropping ). 

2. After several emails and phone calls Conns responded today and said they do not show in there system that I am delinquent and information on credit report is incorrect. - ( Email attached from Conns agent. ) 3. Conns is basicaly suggesting the XXXX is fraudulently changing my credit report, because according to them they are not reporting incorrect information ( XXXX report of Conns account attached. ) 4. This is financially harming me, reporting incorrect information on my credit report, whether it is Conns or XXXX. I Need this corrected and removed immediately. 

5. Please post this on the site, Im sure there are 100 's of thousands of people this is happening to, this is preventing me from getting a home for m family.
Complaint sub-issue: Can't use card to make purchases

Last year I purchased a XXXX holder from a company in XXXX who bills through XXXX. 

They shipped XXXX that didn't fit my phone. They have a no questions return policy on their web site. I tried contacting them XXXX times and they did not respond. 
I filed a dispute with the credit card company Citi and they reversed it out. {$29.00}. 

About a month later the merchant replied to the credit card company that they would ship sometime in the future. 

The Credit card company said that unless I replied by snail mail and attested that I had not received the merchandise ( note the merchant already acknowledged that ) that they would close the dispute. 

They closed the dispute and 30 days later I still have not gotten the merchandise. 

It seems to me that for something this simple XXXX XXXX has worked very hard to make disputing a charge VERY time consuming and difficult. 

I tried to use their web site but was blocked at every turn. Their " live chat '' is a bot. When I described my problem it gave me a link to my statement page.
Complaint sub-issue: Deposits and withdrawals

I was trying to get my rent paid and it time I have applied for long I have seen reply
Complaint sub-issue: Other problem

I received a notice of credit adjustment from Citibank dated XX/XX/ 2018 as part of a class action lawsuit. The account in question has since been closed and I was instructed to call the number listed on the letter to get help with receiving my refund. When I called them they gave me another number in order to retrieve this refund from a closed account which led to me being routed to several different departments over several days. Finally the last department I was instructed to call today was out to lunch. I called back as instructed and I waited on hold for about 30 minutes before I decided to use the option to leave a message for someone to call me back. The message stated the mailbox is full and can not accept messages. I cant get a hold of an actual person to help me get my refund issued.
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/2019, D & A Services sent a letter stating that XXXX XXXX was their client for a debt balance {$3300.00}. D & A Services stated they were authorized to accept {$1000.00} on behalf of their client, due XX/XX/2019 as settlement in full. I sent {$1000.00} to D & A Services to settle this account in full and XXXX confirmed my payment was delivered to D & A Services located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL, XXXX XX/XX/2019 at XXXX Central and signed by XXXX . 

On XX/XX/2019, D & A Services contacted me by phone and said I owed a balance of {$2300.00}. I explained that I received a letter from their office XX/XX/2019 outlining the settlement in full. The agent said I was short {$44.00} and therefore owed the remaining balance. I asked, " why would they send a letter stating {$1000.00} was settlement in full, if I supposedly owed more than that amount? Also, I paid {$1000.00} toward this final payment. '' The agent said the letter I received from their office was not valid. I asked, " how is that possible? It is on your company letterhead and sent from your company? '' He did not have an answer and continued to deny that my letter was valid. Also, I never received a letter from D & A Services to verify this new amount due of {$2300.00}. 

I checked my three credit reports and XXXX XXXX has listed a balance in collections {$2300.00} as outstanding. I am disputing that a balance {$2300.00} is past due with XXXX since this was settled in full per the terms outlined in the letter sent by D & A Services XX/XX/2019.
Complaint sub-issue: Information belongs to someone else

I filed an FTC identity theft report and tried many times to fix this problem but no one has responded to help me.
Complaint sub-issue: Not given enough info to verify debt

XXXX, XXXX XXXX XXXX collection agency submitted judgement to court in 2004 for supposedly on account we had with Citibank XXXX, in the amount of {$7700.00}, at 12.0000 % interest. Since 2004 they have been garnishing my pay for this. After 11 years you would think this has been paid off a while ago. We have noticed for years they will start and stop garnishment. Never sending us any kind of accountability how much was taken out or balance owing. Every XXXX they start garnishing my wages for a month or so, then it stops. We never hear from them again until they start a new writ the end of XXXX. We get paperwork in the mail. Also enclosed is a Wage Garnishment Exemption Claim, stating we have 28 days/4 weeks to respond. They never give us a chance to respond, because they have already submitted collections to my payroll. We see what they are doing. They are taking so much out, leaving a balance to keep adding interest on for a year then send to payroll for collections. Why ca n't after each time they take money from me, I get a balance from them so I can go ahead and pay in full? When I got this on Thursday, I called and asked this question and nobody wants to respond to this. They are nickel and finding me. I called Citibank years ago and was told this account had been written off many years ago and they have no record of payments. I called and told XXXX this and they told me it does not matter and when I had asked for contact to Citibank they would not give to me. I had to find contact myself. I feel after 11 years of supposedly paying off a {$7700.00} debt this should have been paid off a long time ago. We feel they are taking advantage and just trying to get as much money from us as they can.
Complaint sub-issue: Public record information inaccurate

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX  and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

While checking my most recent credit report, I noticed credit inquiries that I did not authorize. On XX/XX/2021 I sent a certified Letter to Equifax informing them that I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. On XX/XX/2021 I received a response from Equifax stating that they would investigate my dispute. Allow them 30 days to complete it. 

We are now past 60 days- I have no response from them. I've tried contacting them twice to get an update on my dispute and was told Equifax doesn't remove inquiries per customer request. 

This is a clear Violation.
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX a collection account has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is 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 ..to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX opened on XX/XX/XXXX balance reported {$2400.00}, XXXX XXXX opened XX/XX/XXXX balance reported {$8000.00}, XXXX XXXX XXXX  XXXX opened XX/XX/XXXX balance {$7900.00}, XXXX opened XX/XX/XXXX balance {$0.00} XXXX XXXX opened is XX/XX/XXXX balance {$0.00}, XXXX XXXX XXXX XXXX opened on XX/XX/XXXX balance {$5100.00} XXXX XXXXXXXX XXXX XXXX XXXX opened XX/XX/XXXX balance {$1000.00} XXXX XXXX XXXX opened XX/XX/XXXX balance {$4100.00}, XXXX XXXX XXXX opened XX/XX/XXXX balance {$770.00}, XXXX XXXX XXXX opened XXXX XXXX XXXX balance {$4300.00}, XXXX  XXXX XXXX opened on XX/XX/XXXX balance {$2000.00}, XXXX opened on XX/XX/XXXX balance {$0.00}, XXXX XXXX XXXX  XXXX XXXX opened on XX/XX/XXXX balance {$7900.00} XXXX XXXX opened XX/XX/XXXX balance {$0.00}, XXXX XXXX XXXX opened XX/XX/XXXX balance {$1000.00}, XXXX XXXX I opened XXXX XX/XX/XXXX balance {$4100.00}, XXXX opened on XX/XX/XXXX balance {$0.00} XXXX opened on XX/XX/XXXX balance {$0.00} ... BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX, XXXX XXXX  : XXXX, XXXX XXXXL : XXXX, XXXX  XXXX 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
Complaint sub-issue: Having problems with customer service

A while back, this company threatened myself, and my father verbally, stating that they were going to come after us and take away my fathers house. The man on the phone who refused to identify himself at the time also stated that he would make sure that I would be held responsible for not making the minimum payments which were too much for me to make at the time. I offered to send a lower amount in and he said that they would not take it. He went on again to say that he would make sure that they got their money if it meant taking my fathers house.