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

I've been going back and forth for the last few months with Equifax about this particular account and it's ridiculous. It needs to be removed ASAP. The Equifax has stated my account was properly investigated but how is that possible if the information on my XXXX XXXX Account # XXXX is inaccurate. The high balance is inaccurate, the date of last activity is inaccuarate, the date reported is inaccurate, the date opened is inaccurate, the last payment is inaccurate, and the credit limit is inaccurate. Literally XXXX is claiming the account was not charged off until XX/XX/XXXX, XXXX is claiming the account was charged off XX/XX/XXXX and they received the last payment XX/XX/XXXX, the big bad wolf Equifax Is claiming the last payment received was on XX/XX/XXXX. The information is all over the place. 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 602 A Section 2 : It Also states a consumer reporting agency can not furnish without my written instructions.
Complaint sub-issue: Investigation took more than 30 days

I have disputed inaccurate information on my credit report. I submitted letters to each of the credit bureaus and I only heard back from XXXX. However, XXXX didnt send me my results. It has been longer than 30 days.
Complaint sub-issue: Didn't receive advertised or promotional terms

I received a letter from Fedility and invite me to open their Fedility rewards credit card. The letter said if I spend {$1500.00} in eligible net purchases within 90 days of account opening and will earn {$150.00} cash back.

I did what they requested however still do not see the {$150.00} cash back ever been paid. I contacted their customer service couple time but never get a response when I will receive the bonus.
Complaint sub-issue: You never received your bill or did not know a payment was due

In XXXX of XXXX I made a purchase at Home Depot with my Home Depot credit card in the amount of {$53.00}. Somehow I forgot about this, and never received any emails or letters about this unpaid bill, until XX/XX/XXXX. In XX/XX/XXXX I received a letter from Home Depot stating that I owed {$160.00} to be paid immediately or it would be sent to a collection agency. I quickly contacted Home Depot and they told me that I now owe over {$200.00}. I explained to them how I never received any emails and he looked up my account and told me that they had my wrong email address, he said it was my fault, he was very rude to me and told me that I could pay {$160.00} today, but if I do not pay right at that moment then the amount would go back up to over {$200.00}. I became upset due to being treated so rude by the employee that I ended the call with this employee. I called again the next day and spoke to someone else who told me they would take {$160.00} and we could be done with this. Again the employee saw that they had the wrong email address, she apologized, but stated she could not do anything about this. I paid the late fee with the understanding that this would help my credit, but then found out on my own research that Home Depot reported 3 late fees and a closed account on my credit report. I again called Home Depot and asked them to please take this off my credit report as I had not received any emails in regards to this bill and how I paid more than the amount I should have due to fees that were accrued. The person told me that she can not take anything off the credit report once it is reported, but that since I was such a good customer they would re-open an account for me. I declined this and contacted XXXX which made Home Depot tell me that they " did an investigation and concluded that it was the fault of the consumer, not the banks '', because I am " responsible for ensuring contact information is correct and updated ''. Due to a {$53.00} purchase, which I ended up paying {$160.00} due to a minor error and zero reminders from the bank, Home Depot has made my credit look, as if, I do not pay my bills. I wasn't even informed that they put anything negative on my credit. I discovered the negative information when a potential lender ran my credit for a potential loan purchase. I also discovered that my credit report didn't show the small amount of the purchase or that I paid the full amount including all the late fees. These actions by Home Depot and Citi Bank are not right and mischaracterize excellent citizens in order to relish the opportunity to damage an individual 's credit. 
I paid as soon as they sent me notification, this was the first time in 11 years as their customer to miss a payment, but they are treating me as if this was regular behavior and like I did not resolve the issue immediately. They do not care about their customers and they illegally do not inform their customers when they decide to report negative information on the customer 's credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

These items on my credit report are from unauthorized use of my social security number and card. I did not authorize these accounts and inquires to be taken out in my name nor do they relate to anything I did as I am unaware of any of this. I have attempted to contact the reporting agencies in multiple attempts with no success of having these items removed. These inquires are hindering me from obtaining a substantial credit score required to purchase a home. 

XXXX XXXX Factual Data XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Factual Data XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Factual Data XXXXXX/XX/2021
Complaint sub-issue: Their investigation did not fix an error on your report

I mailed in dispute on XX/XX/20 to Equifax for account XXXX/XXXX XXXX listed on my credit report that is charged off. I received the results of the investigation and was notified that the account was accurate. This account was not opened by me nor did I authorize anyone to open this account in my name. I previously contacted XXXX/XXXX XXXX asking for a copy of the application or something with my signature on it and they have not been able to produce anything. Instead they sent me a bill with my name on it. I ask how were you able to verify that this account is accurate? I would like to see what XXXX/XXXX XXXX   has produced to you proving that the account is mine when they were not able to give me anything. There are also inaccuracies on how this account is being reported. The FCRA states that all accounts need to be reported 100 % accurately. First XXXX/XXXX XXXX is not reporting that they sold this account to a collection agency, which is XXXX XXXX XXXX. I contacted XXXX XXXX XXXX  by phone and they reported that the account was now with them. Second it is being reported that a past due balance of {$450.00} is owed to XXXX/XXXX XXXX. How is it a balance owed to XXXX/XXXX XXXX when they sold the account to collection agency XXXX XXXX XXXX? There should not be a balance on a charge off account that was sold to a collection agency.
Complaint sub-issue: Information belongs to someone else

XXXX client, XXXX XXXX is a victim of identity theft. He was notified by CBNA/Best Buy of a fraudulent application submitted with his information without his consent XX/XX/2018 that resulted in a fraudulent related inquiry into his XXXX  credit report. A formal dispute of the inquiry was mailed XX/XX/2018 and Best Buy has confirmed the dispute was received however Best Buy has now exceeded the 45 business days allowed for investigation as outlined under the FCRA. This action is a violation of federal consumer law and my clients rights.
Complaint sub-issue: Information belongs to someone else

I WAS AUTHORIZED ON MY ELDERLY GRANDMOTHERS CREDIT CARD, TO HELP AVOID HER BEING RIPPED OFF BY A CONTRACTOR DOING REMODELING, THEY RACKED UP THE CARD AND I WAS HELPING TRYING TO NEGIOTE PAYMENTS, I AM ONLY LISTED AS AUTHORIZED ON ACCT AND I AM NOT RESPONSIBLE FOR THE DEBT AS THERE NOT MY CHARGED, THIS IS LISTED ON MY CREDIT AND I WANT IT REMOVED. I HAVE SENT LETTERS TO THIS AGENCY AND IT STILL HASNT BEEN REMOVED. 


THE HOME DEPOT/CBNA # XXXX XXXX XXXX   XXXX XXXX XXXX , SD XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Authorized Account- An authorized user is not responsible for the debt. 
Account Type : Revolving Account Loan Type : CHARGE ACCOUNT Date Updated : XX/XX/XXXX Payment Received : {$0.00} Last Payment Made : XX/XX/XXXX Original ChargeOff : {$9800.00} Pay Status : >Charged Off< Terms : Paid Monthly Date Closed : XX/XX/XXXX >Maximum Delinquency of 120 days in XX/XX/XXXX and in XX/XX/XXXX for $ XXXX Credit Limit : Credit limit of {$8000.00} from XX/XX/XXXX to XX/XX/XXXX ; {$8000.00} from XX/XX/XXXX to XX/XX/XXXX Estimated month and year that this item will be removed : XX/XX/XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I got a loan with MoneyLion about three years ago and forgot about it since then. They have closed it and charged the data off and reported it on my credit report every single month for the past three years. 29 derogatory marks. I called today and tried to speak with somebody about paying off the lien and getting a XXXX balance letter. I recorded the phone call and in the phone call the man said that he could not send a XXXX balance report. He said that he had to go through MoneyLion procedures. I explained to him that he can not do that because there are certain consumer financial protection laws that do not allow moneylion to handle these things for them selves. He then admitted to breaking consumer financial protection laws on recording, then hung up on me. They will not answer my calls. They will not allow me to pay the balance. There are no loan documents either.
Complaint sub-issue: Information belongs to someone else

Hi, Someone is using my identity to my a purchase or something. Account was opened on XX/XX/2020 of a credit limit of {$800.00} with a balance of {$570.00}. I don't know if, I'm going to the wrong source to solve it.
Complaint sub-issue: Account status incorrect

On my report they are showing 3 days late in 2021. They are also reporting inaccurate balance and amounts. This is a time share and is reporting as a mortgage. Prior to the late reporting they sent in, they never reported any on time payments.
Complaint sub-issue: Debt is not mine

Americollect is on my credit report saying I owe {$1000.00} to them. I asked them to provide debt validation and they cant. The only thing they provided was a statement/bill. I got in contact with the original credit which was XXXX. XXXX stated I didnt owe them any money, further more they didnt even have me in their system. I sent a copy to Americollect and they then stated its for XXXX who supposedly is my son. That is not my kid! From my knowledge if I owe them a bill they supposed to send me debt validation not a statement/bill. I should received a contract thats between Americollect and I saying I owe them money with my signature saying I agree to pay them. I will like for them to remove that collection off my report asap since thats not my bill and they cant provide me with any type of debt validation.
Complaint sub-issue: Information belongs to someone else

I recently pulled a copy of my credit and found an account that I had no prior knowledge of.
Complaint sub-issue: Problem with customer service

I defaulted on student loan serviced by AES from XX/XX/XXXX-XX/XX/XXXX due to hardship. My husband was XXXX  leaving me to pay many bills debts, lawyer fees alone for a year. AES closed account & listed as defaulted on my credit report causing my credit score to drop over 100 points. 
My loan has since been transferred to PHEAA & reported as new loan on my credit report. for nearly the same amount as my original loan with AES. This loan amount also includes astronomical collection fees which I find unfair considering these two companies are within the same entity. 
In XX/XX/XXXX I began receiving letters from PHEAA, threatening to garnish my wages if I didnt establishment payment agreement by XX/XX/XXXX.

XX/XX/XXXX I submitted Tax info & established payment arrangement with PHEAA and made a payment of {$200.00} via AES. I found this odd my payment was accepted by AES however, PHEAA is tacking on collections charges.

I openly expressed I could not afford this payment agreement despite this being the amount established based on income, dependents and bills incurred monthly ; which I believe has been calculated incorrectly. PHEAA was unable to lower monthly payments & assured me XXXX dollars is enough to survive for a month with two dependents not including self. 
XX/XX/XXXX I receive letter from PHEAA stating my new payment would be {$230.00} despite {$200.00} agreement based on info. Submitted via email. XX/XX/XXXX I call PHEAA to figure out why my payment amount changed. I was told I provided incorrect info. Even though I submitted all financial info. Via email same day. I was also told that my {$200.00} would not be applied to agreement until I pay {$32.00} more. Customer service rep. Was also incredibly hostile with providing answers to my questions. 
I was also informed PHEAA couldnt provide me with an account statement & collection cost bill. 
I also feel the school I attended should have been responsible for said loans considering The school closed and defaulted on promises made when I originally signed the loan agreement which was lifetime job placement and refresher courses. I have not worked in the field in which loan was acquired for since the demise of that school
Complaint sub-issue: Account information incorrect

When attempting to dispute Items on my credit report, Equifax asks questions in addition to Items like social security number and address. 

There are a series of multiple-choice questions to be answered. When I answer the questions correctly, Equifax states that I have provided the wrong information, making it impossible to file the dispute.
Complaint sub-issue: Didn't receive terms that were advertised

I signed up for a Citibank promotion to open a Checking account. The promotion was for a {$1000.00} bonus for depositing {$75000.00}. I opened it at their XXXX, IL branch to make sure I did everything right. The promo was as follows : Open a new checking and enroll in offer. 2. Deposit funds within 20 days. I deposited the same day.3. Maintain balance for 60 days from the 21th day. I opened the account on XX/XX/XXXX. I am still waiting for them to deposit the bonus in my checking account. I contacted citibank and was told that I should have received the bonus and thy would open a dispute on XX/XX/23. I should be resolved in 5 days. It has not. I went to the XXXX branch and asked them to check into. They said they would email the person handling the dispute. They said they would contact me later. Nothing.
Complaint sub-issue: Reporting company used your report improperly

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

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

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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX  Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX  XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Complaint sub-issue: Information belongs to someone else

This has been a very difficult year with credit in every way you could think of. Ive recently received alerts on my credit products on Equifax, XXXX, and XXXX. I have been affected in the past and I dont know why your company continues to place unrecognized Accounts and inaccurate inquiries on my credit file. The following accounts and inquiries were placed on my credit file. No one contacted me to get my consent and that is a definite violation of The FCRA sections 604, 609, 611, 605B. I have attached a letter, and several photos as well. I am really frustrated with your credit Bureau and Im now filing a lawsuit against Equifax, XXXX, and XXXX for placing false inquiries & Accounts on my credit file without my consent. Seems like you guys are treating this situation as a joke and I find that to be unprofessional. Please do not place no fraud alerts on my credit file. Just contact me in the future or have all creditors contact me for new future account. You should be ashamed of yourself for not taking the proper precautions to insure my credit file. I have contacted each bureau and have been placed on uncomfortable hold on the phone, supervisors hanging the phone up on me. I have spent hours on the phone trying to contact each Bureau when I was aware of this matter. No one is cooperating with me and i am left with no choice but to approach this situation through legal actions. There is no respect because I am unaware of all the inquiries and accounts this has been a situation that has been on going for the entire year and Im tired of the bs. You have caused XXXX XXXX and more symptoms to my physical body and my XXXX XXXX. Please be aware that you will have to pay court fines and a fine of {$20000.00} for causing damages to my XXXX XXXX. I need to be compensated with a check that will pay my doctor bills. You can negotiate it with my lawyer. I am no longer in discussion with your company at this point since I have filed a lawsuit. Inaccurate Account information
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I requested a credit limit increases via the Best Buy app, but DID NOT consent to a hard credit pull. They claimed that an increases could be honored immediately. Very misleading and no notice about the hard credit pull
Complaint sub-issue: Debt is not yours

PSC collection put ex wife med bills on my credit report. my ex lives in XXXX and is a XXXX XXXX. she has med insurance these bills never went thru any insurance..and she said there not her bills. from a wa state hosp. collection gave me her bills and med info.which is violation of HPPA act. bills and exwife name no proof of validation. XXXX 6 med bills.. and while been complaining to them and BBB. they sent me a bill I owed them XXXX for a ticket bill i paid and have receipt for they added XXXX in interest to it..SO med bills are fraud. plus there not in my name. Its consumer report. Not a report that is for how you moniter others because if they dont pay there debts.a collection agency who has power will ruin your credit report and there is nothing credit bueros will do. They will ask the fraud agency they will say YES of coarse its valid then case closed..SO Now your screwed
Complaint sub-issue: Funds not received from closed account

On XX/XX/XXXX a deposit of {$37.00} was made to my Credit Karma spend account from my minor child 's employer for his payroll. Credit Karma locked my account and sent me an email notifying me the account was locked due to the deposit. I provided the requested documentation to verify identity including mine and my XXXX  child 's state issues identification. After multiple requests for an update, I received a response on XX/XX/XXXX stating my accounts had been closed and they would be sending the funds to my address. To which I notified them after multiple attempts to update my address since XX/XX/XXXX, it still reflected my prior address. I received an email on XX/XX/XXXX stating that the check had been returned on XX/XX/XXXX. I again notified Credit Karma that the address they are sending to is not my address. I was told I needed to provide proof of address with limited criteria or the address needed to appear on my credit reports. I verified the address does appear on my credit reports and provided proof of address with multiple copies of medical bills, a copy of my divorce signed by a judge with the correct address, and additional bills verifiable with my credit report. As of XX/XX/XXXX, Credit Karma is still refusing to send the funds to me regardless of what proof I provide.
Complaint sub-issue: Trouble with how payments are being handled

I logged in online to pay my student loan and the website will NOT let me make a payment without giving them more personal information about myself. They now want my citizenship status and employment information and I do NOT want to give this information. I just want to pay my loan online as usual. 

So I want my login unblocked and to allow me to pay my loan like I always do. The online login will not let me access anything, no personal information, no inbox messages, no account summary, nothing. I feel demanding this personal information is way too intrusive.
Complaint sub-issue: Didn't receive advertised or promotional terms

I have try to reach them for the past 8 months THIS IS A CREDIT CARD FOR A FURNITURE STORE they are charging me about {$2000.00} more of my original debt in interest charge. 
They are saying was a promotional of 18 months which I pay every month. 
but I got a balance remaining and I am getting charge now {$5000.00} instead of my balance of {$2000.00} I ask if I could to a payment plan or I will cancel my balance without the interest and they refused. 
No one told me about this 18 month only promotion I hope you can help
Complaint sub-issue: Account status

I disputed this negative information XX/XX/2016 its has past the 30 days investigating therefore the XXXX Collections should be delete, my file number Confirmation XXXX # today date XX/XX/2016
Complaint sub-issue: Can't decrease my monthly payments

We 've had this loan for a while now and in it 's simplest terms the amount applied to the principal versus the amount to interest is silly. Out of XXXX applied in may 2016 applied to interest is XXXX and XXXX applied to principal and it 's been this way for the entire loan process and we are having a difficult time repaying the loan back at that mthly amount. We tried to get it lowered they say we make too much money which is a silly comment at best. This whole loan with Nelnet seems like it should be illegal.