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

Contacted a representative about the account in my dispute for inaccurate residency information resulting in me not receiving the information on file. She stated the address for contact information was the address listed on my rental agreement I attached not the XXXX XXXX XXXX address. I let her know that I wanted to know information regarding the debt but she informed me it had been paid, reflecting a XXXX  balance since XX/XX/XXXX, yet Regional Acceptance has been reporting fail to pay for those 3 almost 4 years when they weren't reporting the information accurately as charge-off. RAC is reporting a balance still owed to them for {$8400.00}, but it was written off or sold. RAC is being vindictive and trying to report FTP to try to get me to settle on a debt that I did not legally get information on regarding a " Notice of our Plan to Sell Property '' or " Deficiency '' when the contact information they had was the correct address I had moved to. It was confirmed today XX/XX/XXXX via phone XXXX, that Regional Acceptance has a XXXX  balance listed on my account XXXX, with a final payment after the one XX/XX/XXXX for {$13000.00}. They do have the right to report a {$0.00} balance but can not continue to report fail to pay for something there's no balance on. RAC still had not provided me with the information about the point of sale therefore I'm still looking for resolution for the account to be removed since they violated my right to receive notice. They must immediately report the {$0.00} balance until then due to inaccurate information being reported.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

This is a reassertion regarding case number XXXX. 

The response from discover was the following : The document provide from XXXX XXXX regarding the fraudulent account has an account number the last 5 digits of XXXX ; however, the balance transfer was completed to an XXXX XXXX account with the last 5 digits of XXXX which is associated with you. 

Response ONE : I had called Discover Consumer Protection Services ( XXXX ) on XX/XX/2018 at XXXX PST calling to prove that the account ending in XXXX did in fact NOT belong to me. This was proven via a conference call with XXXX XXXX account protection services. This was a DIRECT statement from XXXX XXXX. The call duration was 34 minutes and hopefully was recorded on your end. 


CONTINUATION OF THE CASE : I had called again on XXXX XXXX and had spoken with the investigative team and the person assured me my case was still being looked into.

Discover then sent a letter on XXXX XXXX and was delivered XXXX XXXX stating that because there was no new information no further investigation was necessary. However please note on XX/XX/2018 I had provided proof through a 34 minute call with Discover Fraud Services as well as XXXX XXXX that account XXXX DID NOT in any way belong to me. In fact the card was closed long ago to the point where even XXXX XXXX could not give any other information. 

I had even filed multiple credit cards ( including yours ) with identitytheft.gov. There were 3 other cards opened in my name, ALL of which were deemed fraudulent and closed in a timely manner without any penalty. You are the ONLY company yet to provide adequate resolution or reasoning.
Complaint sub-issue: Information belongs to someone else

Apond checking my credit report, I have notice that I have had several fraudulent accounts and inquiries on my report. I have reached out to the credit report agencies to fix this problem due to identity theft.
Complaint sub-issue: Didn't receive notice of right to dispute

On multiple occasions I have asked the debt collector to send me the informations about the debt because I never received anything about this. I was made aware of this alleged debt when it showed up on my credit report. I called and asked them on two separate occasions ( first week of XXXX and again in XXXX ) to send me the bills, breakdowns, and all pertinent info in order to confirm the debt is mine. They have not sent anything, I put a dispute twice through the credit monitoring system and both times they said that the info was confirmed. How do they confirm the info with the credit reporting agencies and are as of yet to confirm the debt and Info with me directly?
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax refuses to remove inaccurate information, concerning a student account, which currently falls under the Cares Act 2020 and has since XXXX. It is reporting that I have 2 late payments. no payments have been due on this account during Covid-19. This account was closed on Monday of this week, it's now re-opened and has an extra late payment. This is my second time complaining about this. This is harassment, because I have filed complaints with CFPB. They are harassing me, even while CFPB has been made aware of all the problems, I am having with them consistently. How are they allowed to conduct business this way, while in charge of something so critical, credit reprting? 

STOP HARASSING ME, STOP ADDING INACCURATE STUDENT LOAN INFORMATION TO MY REPORT. ALL STUDENT LOAN ACCOUNTS ARE SUSPENDED CURRENTLY. XXXX!
Complaint sub-issue: Personal information incorrect

After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me.
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 USC 1681 Section 602 States I have the right to privacy.

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

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 purp
ose.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

This is my third time sending this identity theft affidavit to Equifax, they have accused me of these inquiries while I reported identity theft for this information. Per 605b of the FCRA laws, all information is supposed to be deleted that appears on the ID Theft XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I have a XXXX XXXX account that is : -Reflecting credit cards that I do not own, have never opened, belong to someone else, and are damaging my credit rating on both XXXX and Equifax There are three new credit inquiries on my credit rating accounts with XXXX and Equifax- I have not applied, requested nor have I given consent for these inquiries. 

My credit rating has dropped almost 40 points in a week. 

I have never applied, used or owned these cards : XXXX  XXXX Last reported : XX/XX/2018 XXXX XXXX XXXX Last reported : XX/XX/2018 The following inquiries have been made on my account without my request or permission : Inquiry details : XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX   XXXX Inquiry from XX/XX/2018 XXXX XXXX Inquiry from XX/XX/2018 Personal Loans Cos.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent dispute letters to XXXX, XXXX, and Equifax ; disputing inaccurate items on my credit report. I was told that due to Covid-19 the credit bureaus were given 45 days to respond to disputes ; so I waited until after 45 days. Today 's date is XX/XX/2021, which is more than 2 months after I sent my dispute letters, and I have still not heard back from any of the credit bureaus. To just ignore my letters is totally unacceptable! In accordance with the Fair Credit Reporting Act ; since these companies failed to prove the accuracy of these disputed items, they must be deleted immediately. I expect immediate action to be taken, as I take my credit very seriously, and want to stop the damage that these accuracies have caused me. I have attached the letters I sent on XX/XX/2021 for reference.
Complaint sub-issue: Investigation took more than 30 days

I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$5400.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Complaint sub-issue: Problem using a debit or ATM card

I purchased a service using my debit card through PNC bank. This service was never performed so I reported the unauthorized charge to PNC. PNC then accepted fraudulent evidence to clear the purchase authorization and avoid returning my money. To this day I have not received what I paid for.
Complaint sub-issue: Information belongs to someone else

The following hard inquiries were not done by me, I did not authorize them, and I do not know where they came from. Everything else on my report seems to be correct currently but this is worrying me because I know they are bringing my scores down : XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX CreditPlus. XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Other problem getting your report or credit score

I am currently trying to get an auto loan. XXXX separate banks have pulled my credit but are unable to pull my Equifax report. 

I have contracted Equifax multiple times concerning this and no one seems to know the problem. I may lose this loan because Equifax cant fix the problem.
Complaint sub-issue: Debt was result of identity theft

ERC is reporting an account from XXXX that is fraud. I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

My XXXX credit card payments been set up to automatically draft from my XXXX  checking account since XXXX. I noticed the XX/XX/XXXX payment had not post. I contacted XXXX immediately on Monday XX/XX/XXXX. I spoke with a rep she apologized there was a XXXX system failure. She reversed the late fees and posted the payment from my checking. She verified future auto payments were not affected beginning XX/XX/XXXX. On XX/XX/XXXX I receya credit alert had taken place on my bureau files indicating a late payment from my XXXX as well as ovet limit after the representative had told me correcting their system area i am not over the limit. This XXXX point dip in my score is causing me significant harm in the middle my home mortgage purchase and closing. I contacted a credit card department manager XXXX at XXXX. She can not reach out to the credit bureau to have this removed nor can she draft a letter stating in the history of my account, for this XX/XX/XXXX payment I have never been late since XXXX or over my limit. She was dismissive and the most deplorable experience since having a relationship with this bank since XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I contacted Equifax about the following negative accounts 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 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  ). Its been over 45 days and Equifax havent respond to my request as they are required to by the XXXX XXXX XXXX XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I received a call on XX/XX/XXXX. It was from someone who helps veterans stay up to date on changes in benefits. In this case, a man asked me if I was aware of some new legislation regarding VA loans, and he asked if I was interested in learning more about refinancing. I've already refinanced recently but I thought I'd humor them anyhow since information wouldn't hurt. He directed me to XXXX XXXX ( XXXX XXXX, CA ), where I believe I talked with XXXX XXXX ( XXXX ) -- I think I was redirected through the call I was with him on ; XXXX XXXX XXXX number is XXXX. She collected information from me. I also talked to a man on XX/XX/XXXX ; I believe he was " XXXX '' ( XXXX ) a manager according to XXXX -- though the number the call came from was XXXX. At no point in either conversation did I explicitly consent to a hard inquiry. I wasn't under the impression that they were going to do that. Yet, on XX/XX/XXXX, I checked my credit report and found an inquiry dated XX/XX/XXXX from " NP INC '', an entirely unfamiliar entity. I talked to XXXX again a few times ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). She was helpful and eventually directed me to XXXX for assistance. I called him twice that week ( XX/XX/XXXX and XX/XX/XXXX ) and left a message. He never returned it. I tried contacting the bureaus and filing disputes, but it didn't work. The inquiry is still there, and I still want it gone. Furthermore, they also did a hard inquiry on my wife 's credit report. She wants that removed as well.
Complaint sub-issue: Can't use card to make purchases

Inflated amount used on card. Actual amount spent is XXXX. Card is XXXX higher than would is actually spent. In addition to rerouted statements and inflated bills.
Complaint sub-issue: Trouble with how payments are being handled

My loan servicer, the Pennsylvania Higher Education Authority ( PHEA ),  will not approve my request to change to an Income Driven Repayment Plan, even though I have submitted all the required documentation. They have also rejected my request to receive public service loan forgiveness credit for a 17-month period of qualifying employment, even though I have submitted the required paperwork more than once. 

On XXXX XXXX XXXX, I submitted the required forms for changing my loan repayment plan via certified mail. As required, I included a copy of my most recent federal income tax return. 

I still had n't heard anything by XXXX XXXX XXXX, so on that date, I contacted PHEA via phone. I spoke with PHEA Employee XXXX, employee ID # XXXX at approx. XXXX. ( Hawaii Standard Time ). She stated that my income-driven repayment ( IDR ) request was still pending because we receive hundreds of thousands of forms a day and two weeks was not enough time to process my IDR request. Instead, she said it would take 1-2 months or 1-2 billing cycles in order to process the request. This surprised me. I told her that she had not been helpful, but that it did n't sound like she could be helpful, and then I ended the conversation. 

The very next day, PHEA sent me a letter stating that they could not process my IDR request because they had not received a copy of my federal income tax return. Because I actually had submitted a copy of my income tax return, their stated reason did n't seem credible. Rather, it seemed like a reprisal for complaining about slow processing time. 

I have another, separate problem with PHEA. I was employed as a XXXX XXXX for the XXXX XXXX XXXX for a 17-month period in 2013-2014. This counts as qualifying employment for loan forgiveness purposes. Accordingly, I submitted the required forms, signed by my previous employer, in order to receive credit for this period of public service. PHEA continues to reject my application for service credit.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX   account number XXXX. ( Please see page 3 of the attached credit report. ) I called XXXX XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX have not removed this from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Complaint sub-issue: Information belongs to someone else

Someone tried to open a credit card under my name using XXXX XXXX. My identity was stolen
Complaint sub-issue: Credit inquiries on your report that you don't recognize

n accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX 's 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, 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: Problem with rewards from credit card

I had two accounts with Citi bank, one was as double cash credit card and the other was a Sears credit card, I had been saving my cash back for a special occasion and had accumulated {$1400.00} in cash back rewards ( last statement attached ), on the Sears card I was also saving my points and had accumulated XXXX Citi thank you points ( last statement attached ) which are equivalent to a {$740.00} gift card. Out of nowhere Citi decided to close my accounts and they refused to give me my {$1400.00} cash back nor my XXXX Citi thank you points stating that when an account closes I forfeit any cash back and points. I have the card agreement for Citi and there is no forfeiture of rewards disclosure ( agreement attached ). Secondly, the card agreement states Citi may cancel my accounts for no reason or any reason, I asked for a formal reason from Citi as to why the accounts were closed and they did not state it was for no reason which I understand does fall under the card agreement parameters, instead they stated the cancellation for both accounts was simply due to me paying my balance via money order ( cancellation reason attached ) which is in violation of my rights as a consumer. All in all I belive its an unfair business practice for Citi to garnish a total of {$2100.00} in rewards that rightfully belong to me. I have reached out to them and offered to submit any documentation they desired in order for me to keep my accounts opened or in order for me to receive my earned rewards but they declined.
Complaint sub-issue: Was not notified of investigation status or results

Sunday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX, Texas XXXX SSN : XXXX | DOB : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX I was just looking at my credit report and found some errors relating to my payment history on some accounts. I have outlined the following incorrect late payments. Pursuant to 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. Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately. 


Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XXXX XXXX were all on time. 

Account Name : XXXX XXXX  Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX were all on time. 

Account Name : XXXX  Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XXXX XXXX were all on time. 

Account Name : XXXX  XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX were all on time. 

Account Name : XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX were all on time. 

Clearly you have some faulty systems, because there should be NO late payments showing here. As in, ZERO late payments. So why are you reporting it incorrectly?
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is incorrectly reporting an account where I am shown as an Authorized User on XXXX XXXX - partial account number XXXX. XXXX  is reporting that I am ( 30 ) days late on this account as well. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and the late being reporting by XXXX  is also harming my credit score. These line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Complaint sub-issue: Debt was paid

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX and 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: Problem during payment process

I tried working with both Citi Bank and XXXX XXXX XXXX. I filled a dispute with my credit card company on XX/XX/XXXX over the phone that XXXX XXXX XXXX went over my {$1000.00} Credit Limit. I made 3 extra payments torwads my credit card ( XX/XX/XXXX {$320.00}, XXXX {$300.00}, XXXX {$100.00} and XX/XX/XXXX {$200.00} ) during the duration of the car rental to me the obligation amount. Citi decreased my credit card limit from {$1000.00} to {$490.00} when I filed my dispute. They reversed the {$1200.00}. the charge and post it back on my credit card that I am unable to pay. Now, Citi expects me to pay {$1200.00} by XX/XX/XXXX. I can not meet that obligation due to the lack of work and I won't start work until after XX/XX/XXXX. I work as a XXXX XXXX  and my last assignment ended in XX/XX/XXXX. I was NEVER LATE paying my credit card obligation to Citi and yet they decreased my credit card limit because I have other credit card balances. I don't see how that had anything to do with my flawless pay history with Citi.
Complaint sub-issue: Problem lowering your monthly payments

I attempted to refinance the loan debt I currently have through two companies. One was Discover, a company that already holds the loan debt I was attempting to refinance. I can not afford the payments of the ever-increasing fixed rate loan. I was instantaneously declined for the refinance despite my XXXX credit score, perfect payment history and my {$110000.00} in combined household income. The only " solution '' Discover was willing to offer was to provide me with interest only payments of approximately {$490.00} per month, opposed to the full payment of around {$560.00}. That is not a solution, but rather a XXXX on a much larger problem. If I can not afford to refinance per Discover 's own requirements, how on earth can I afford the higher monthly payments of the variable rate loans? 

The irresponsible lending practices of the bank that allowed me to attain this loan in the first place can not be ignored. If, as a student with no job and the prospect of being a XXXX, I qualified for such a large loan at such a high interest rate after already borrowing even more from another company, the lender was irresponsible at best, criminal at worst. I should certainly qualify for a reasonable, long-term solution now that I have an income.