Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

i have submitted several letters to the Equifax, XXXX, and XXXX  to resolve these matters. i have pointed out the inaccuracies and inconsistencies and they still continue to report on my credit report. XXXX  and Equifax claims they verified the bankruptcy reporting on my account. However XXXX XXXX has deleted the item from their report, because they could not properly verify it. i have enclosed the most recent letter sent to them, and the letter from XXXX XXXX.
Complaint sub-issue: Reporting company used your report improperly

Disputed improper reporting of unauthorized inquiries with out proof of my sign wet signature or permission.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account Number : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX Account Number : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXXXXXX XXXX with what I perceive as malicious intent, agreed to remove the negative notation they reported to the credit bureaus. This was restored after they agreed in writing, via XXXX to remove it. As such, I am requesting they honor this, as they agreed in writing, bound themselves via contract, in writing, agreed to remove these negative notations. This is per XXXX Case No. XXXX. This means they are without excuse and may be sued in the court of law. However, I am going to give them this opportunity to repent, admit their error, and remove the negative notation ( s ) immediately from all credit bureaus.
Complaint sub-issue: Information belongs to someone else

XX/XX/XXXX, I have requested all three credit reporting agency reports via online sites as per PA AG explanation " Attorney General XXXX is alerting consumers that XXXX Equifax, and XXXX are providing free credit reports on a weekly basis to users until XX/XX/XXXX '' XXXX  download right away. Other two had the following errors : Equifax " Online Delivery Not Unavailableand XXXX  " Unable to complete your request! After several tries same problem with last two. 
Received XXXX  in mail and it has different information than XXXX  and still not received Equifax ( requested same day above ). 
Questions 1 How do these errors get on these reports in the first place? 
2. How do different errors get on different agency reports if same identity? 
3. What agency has oversight on these 3 and their mishandling of identity? 
4. Since I am presently handling identity theft issues, how do I get ALL my information out of all three since they have proven to be irresponsible and not accountable? 
5. Who's identity is on each agency 's report, Not correct information to be me. So please provide name of person, who gave you that wrong info, date of info.. etc so I can contact that business and find out cause or if another theft of my personal information.
Complaint sub-issue: Deposits and withdrawals

Credit Karma has frozen my account for over two weeks now, which has caused me to miss credit card payments and has significantly lowered my credit score. I have submitted to them all needed documentations. I have reached out to them over 20 times over the last two weeks. They state that the department that handles account locks and freezes doesn't have a direct line or phone number to reach them.
Complaint sub-issue: Other problem

On XX/XX/XXXX I called to confirm the balance to pay off the entire debt on my Best Buy Visa card. I spoke with XXXX, and he provided the information. When I questioned the why the balance was so high, he informed me of two interest charges for not paying promotional balances off prior to the termination of the promotion. The first was on XX/XX/XXXX for {$470.00} and the second was on XX/XX/XXXX for {$430.00}. When I explained to XXXX that those were both paid off prior to the promotion ending he could not find a reason why the payments were not applied properly. 
I called prior to the end of both of these promotions ( I do not recall the dates ) and was instructed to make a minimum payment then make the full promotional balance payment to ensure the promotional interest would not be assessed to my account. I explained this to XXXX, and he agreed that this should have paid off both promotional accounts. Unfortunately, XXXX was unable to assist further as he did not have the authority to rectify the issue. 
I called back later on XX/XX/XXXX and spoke with XXXX, Idaho Office Manager. She advised me that she could not reverse the charges as that was Policy. I asked what Policy and she began to say it was a federal policy at which time I interrupted and advised her that there is not such federal policy. As a XXXX XXXX and XXXX XXXX for a XXXX  institution, I know there are no such policies and that she should not provide this misinformation to any other customers. I asked if it was a company policy, at which time she said yes. She asked what she could do for me, and I requested to have the {$910.00} of wrongfully assessed interest removed from my account so I could pay off my debt. She advised me that she could not do anything for me, and we ended the call. 
This is a very confusing why of paying off promotional debt and is still their practice. I had to follow the same steps for a promotional item I paid off on XX/XX/XXXX. I called on XX/XX/XXXX to confirm it was paid off with XXXX. I plan to call again to confirm I am not being charged interest for promotional items I paid off prior to the promotional time terminating.
Complaint sub-issue: Was not notified of investigation status or results

I sent in multiple letters last XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
XXXX XXXX XXXX XXXX ( XXXX ) validation of debt XXXX XXXX XXXX XXXX harassment and abuse XXXX XXXX XXXX XXXX False or misleading representations XXXX XXXX XXXX 1692f-Unfair practices Under XXXX XXXX XXXX XXXX civil liability
Complaint sub-issue: Didn't receive notice of right to dispute

When threw XXXX and all was covered by my Medical Plan, and after 1 year they came telling me I have a balance to pay which was paid from my Medical Plan... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... {$1700.00} XXXX : FST FEDERAL CREDIT & COL. ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... {$75.00} XXXX : FST FEDERAL CREDIT & COL. ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .. XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hi, This is in regards to inquiries made on my account. I recently accessed my credit report and found inquiries on there that I did not request or authorize, These inquiries are hurting my credit score and I would like to have them removed from my account. I contacted XXXX and Equifax, however, they said they are unable to help me in this regards. I tried getting in touch with the vendors who did the inquiry on my account and they were unable to assist me or provide proof of me requesting credit and they were unable to provide any details. 

Here are the inquiries made to my account that I wish to have removed : 1 ) XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 2 ) XXXX Inquiry from XX/XX/XXXX 3 ) XXXX/XXXX Inquiry from XX/XX/XXXX 4 ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX 5 ) XXXX/XXXX Inquiry from XX/XX/XXXX Please remove these unauthorized inquiries from my report. 

Best Regards
Complaint sub-issue: Their investigation did not fix an error on your report

Greensky Financial is reporting inaccurate information to the each of the credit bureaus showing a 30 day late payment to XXXX XXXX of 2020 and On time payment the same month and year to XXXX and XXXX. As well as another 30 day late that following month of XXXX 2020 to XXXX and on time to XXXX and XXXX. I have called about this issue and spoke to countless representatives that have communicated the error and would remove but yet the inaccuracies still remain.
Complaint sub-issue: Information belongs to someone else

My credit report states that I applied for this loan on XX/XX/2017. I did not apply for this. I got my car loan in XX/XX/2017. I know nothing about this company as I never received a letter from them as I did from the other companies. My dealer tried other companies that I have a list of. The company is XXXX XXXX XXXX XXXX I have no idea what the " XXXX '' is for.
Complaint sub-issue: Personal information incorrect

-- 15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT. 

-- ( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 

-- ( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. 


-- I am entitled to Fair Credit Reporting. 

-- I have given them authorized permission to report my address on my consumer credit report. 

-- I Demand it to be reported and every violation of failure to report authorized information on my report is a {$1000.00} fine. 


-- Letters have been sent with this address by certified mail and return receipts have been received by me. 


-- My permission has been given orally, in writing, and electronically to report my address on my consumer report and I demand it to be reported.
Complaint sub-issue: Information belongs to someone else

I have submitted letters and FTC letters to XXXX XXXX on several occasions informing them that the stated account do not belong to me. XXXX  XXXX have proceeded to ignore my disputes and complaints. So I need your assistance in getting this matter taken care of.
Complaint sub-issue: Problem with fees

Due to the corona virus and stay at home order XX/XX/XXXX in california i tried to call my credit cards company Citi card services i have 2 credit cards with the company and i did get through to one card by phone and they said they would put card payment on hold for 3 months XXXX and XXXX XXXX. But its not showing on my account it shows only my due past amount $ i dont want them to report bad credit past due. Now when i call im on hold forever no anwer on my second card i requested in XX/XX/XXXX online after i was onhold for more than an hour on phone no answer so i made my request to put my second card payment on hold due to covid 19 but now there is late fee and they are unwilling to remove it. Please help me with my isssues on both cards with citi cards.
Complaint sub-issue: Trouble with how payments are being handled

In XXXX XXXX XXXX my student loans were with XXXX when I requested a refund of the voluntary payments I made during the pandemic freeze. This refund amounts to roughly {$8000.00}. 

In XXXX of XXXX, I received the first {$2100.00} through XXXX but then my loans were transferred to Mohela. Where my refund has been stalled. Mohela said they couldn't see the refund request and that I needed to resubmit it, which I did. This was frustrating since I could see the full amount of {$8000.00} already back on my student loan balance. 

In XXXX of XXXX, I called Mohela for an update on my refund where they had trouble locating my refund request. After over an hour on the phone and multiple transfers, they located my refund request and said it would take 90 days to process and that it's under investigation. 

In XXXX of XXXX, I called Mohela back which is after the 90 day wait, and I spoke with a supervisor who said she only sees a refund of {$5800.00} in the system and isn't sure if this amount is in addition to the refund I already received ( {$2100.00} ) or is the total, which would mean now they don't see the refund amount of {$8000.00} that I requested. So I asked for a payment history which they responded would take XXXX days to just receive that information. They also said they are expediting my refund request which would take another XXXX days. 

I have called Mohela dozens of times over the last 6 months and every time I ask for an update on my refund, they keep pushing back the request by XXXX days. This is unacceptable since the {$8000.00} I requested back is already showing back on my student loan.
Complaint sub-issue: Debt was result of identity theft

CRA violation no knowledge of the fraudulent accounts appeared on my Equifax credit report. FTC ID Theft Report # XXXX
Complaint sub-issue: Talked to a third-party about your debt

I have a loan through Omni Financial in an approximate amount of XXXX dollars. The company told me that I had to make an allotment or they would go to my bank and take money directly from my account. Not realizing that the actions done by Omni were illegal my financial adviser seen this allotment and told me to terminate it immediately. As well an employee from Omni spoke to her husband to contact me about paying the loan. around the end of XXXX I revived a phone call from her husband which is my co worker as well.Telling me that I need to answer his wife and pay Omni. Once I got off the phone with the husband, my spouse immediately told me to go see JAG. The JAG office told me that Omni violated the fair debt collection act and need to speak with my financial adviser also write a letter to Omni on why they will not be receiving funds from me. I have not written the letter yet, I do need further assistance with what to put into the letter. My financial adviser directed me to one of your agents to get further help.
Complaint sub-issue: Their investigation did not fix an error on your report

I have closed my XXXX  XXXX credit card account about six times since XX/XX/2019 XXXX  XXXX says its closed when I call but Equifax says they just reported XXXX dollar monthly charge wich is ruinning my credit!!! I dont owe this company a single dime and never ever have I close this account monthly and they are forcing me and destroying my credit wich used to be XXXX before all this started I am so XXXX XXXX  my next step will be to abtain an attorney and sue for the extreme distress this has caused my husband and I. I have several credit cards with XXXX balance because of this disaster I no longer want to use them this will be resolved one way or the other because its against the law to force someone to pay and be belitted against their will credit one and equifax are so stupid its pathetic that between the two of them get it through their head this account no longer exist!!!! XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

I have been disputing with Equifax for several years now concerning the inaccurate reporting of information on my credit report. When I submit the disputes, the results come back verified, but I can not verify these account with the information provided on my credit report ( Account number, original creditor, collections ). Equifax also is report accounts as charge-off and closed, even though I have provided proof of accounts being paid by insurance companies and not having late payments. Additionally, Equifax is also reporting on account that have been closed 5-6 years ago and continues to report monthly with some updates being paid on-time and then late. This is impossible considering that the activity has been reported on the account since the account was closed and/or the last payment was made. Additionally, Equifax is verifying as accurate and verified even though there are HIPAA law violations, which I have mentioned before. Equifax also barred me from seeing dispute results. The results of much of those disputes are no longer available to me. The most recent time this has happened was XX/XX/2020. Additionally, I requested information from Equifax, detailing the independent verification process and methods used when verifying these account. I have not received a response. Much of the inaccurate information reported by Equifax has adversely affected my credit for years, which is a violation of my consumer rights under FCRA and FDCA. Additionally, I contact the accounts on file and many of these creditors were not able to provide me of the original contract with a signature to verify the account was mine. This was also report with not response from Equifax. Additionally, not all infromation is reflected the same across all three credit bureau 's with Equifax having the most discrepancies and inaccurate information
Complaint sub-issue: Other problem

My wife received numerous calls asking for personal information. They would not identify themselves or what company they were from. My wife asked for a supervisor and the supervisor identified themselves as US Bank only after repeated questioning. We did not give them any info. I contacted US Bank and have no issues with any of my US Bank accounts. US Bank said they never contact people by phone over issues and thaqt this was fraud. Fraud telephone number is XXXX. 

Thank you XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I started asking for reinvestigation on accounts in XX/XX/XXXX and I received a letter on XX/XX/XXXX that XXXX of the accounts that I told was not my accounts was deleted. I spoke with a consumer law professor and he told me to send it again and i did but nothing changed. I have been reporting these same accounts since XXXX and it is now XX/XX/XXXX and they are still reporting the accounts. I also filed an identity theft report with the FTC and also sent the XXXX a signed FTC report which was notarized and mailed first class mail, certified return receipt. The company then sent me a letter saying that I need a police report but XXXX XXXX ( A ) states provide FTC Identity XXXX Report, Identification, and confirmation from the consumer that said accounts resulted from identity theft and that one doesn't assume or accept responsibility. So now it's clear that they are continuously violating my consumer rights. In XXXX they sent a letter that said that they couldn't verify my identity and asked for the same identification that was sent and the next day I received a letter and email telling me that they verified the accounts. So you verified the accounts after you stated you couldn't verify me, The XXXX, natural breathing person, and XXXX XXXX? That alone makes no sense.
Complaint sub-issue: Information belongs to someone else

I submitted all the proper identity theft documents including a police report and identity theft affidavit back on XX/XX/2020. I have proof of the certified mail receipts showing the dates received by all 3 bureaus ... .nothing was done.The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX and Equifax are reporting 6 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Complaint sub-issue: Account information incorrect

My name is XXXX XXXX XXXX and under the penalty of perjury I attest that all facts to be stated are true. Predatory credit reporting agency Equifax refuses to follow my written instruction for the permissible purpose of the credit report and FILE that this company is furnishing on me which violates 15 USC 1681b ( 2 ) which states " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I have submitted written instructions to Equifax on a number of occasions over the last year and this company refuses to abide by federal law and remove the fraudulent and inaccurate personal information, accounts and inquiries which stemmed from identity theft. I have reported this identity theft and misuse of my information by all the major credit reporting agencies including XXXX, equifax, XXXX, and XXXX as well as all the issuers of the fraudulent reported accounts. Equifax has also failed on a number of occasions to share with me how they have been able to validate these alleged debts that they are reporting on my credit file. What personal interviews did they conduct? What system did they use to validate the debt? Did they submit a form or use electronic means? What was the name and contact information of the people they spoke with to validate the debt? This is fraud and totally violates the fair credit reporting act. The fraudulent inquiries that appear on my account are a clear display of how equifax is violating my consumer rights by selling and sharing my personal information and credit file with third parties that I did not initiate or authorize. Can equifax explain why these companies were able to access my credit file without my prior consent? This is a blatant act of identity theft which is punishable by law both civilly and criminally. Furthermore the FCRA was created for the purpose of enforcing credit reporting agencies to report accurate and fair information and equifax is doing the complete opposite. I have attached a 3 credit bureau report which clearly shows that experian, equifax, and transuion are all reporting different, inaccurate, and fraudulent information on all 3 credit files pertaining to the same consumer, accounts, and inquiries. This is illegal! This is theft! This is punishable by law and will be pursued in a court of law if these accounts, incorrect personal information, and inquiries are not removed upon the receipt of this complaint. Please see all attached documents to support my complaint. I have faxed this information to equifax but have yet to receive a response. Please find attached : 1. Letter sent to equifax 2. proof of identification XXXX. US Dept of Justice complaint XXXX. Federal Trade Commission Identity theft complaint XXXX copy of XXXX bureau credit report displaying inaccurate reporting of information by all XXXX major credit bureaus
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The following hard pull is listed on my Equifax report : XX/XX/2018 XXXX XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX XXXX I do not recorgnize this. I called this phone number and they are unable to tell me why this credit pull was initiated.