Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: No notice of investigation status/result

Response disputed Equifax said : Explanation of closure Equifax has reviewed the complaint and its records. An adverse account will be automatically deleted 7 years from the date of last activity. Written confirmation was mailed on XXXX/XXXX/15. 

THE ABOVE paragraph is the silly response that Equifax has just sent me via my complain regarding account labeled XXXX. I disputed its age, and its unlawful re-aging and also the fact that all of the necessary credit history had been deleted. Equifax sent me this response and it makes NO SENSE! I do not know if they have deleted it or not. This account needs to be removed as it is unlawful and violating FCRA Law, they sent me this vague answer. How can it be removed after 7 years AUTOMATICALLY, as they claim, if they have lied to me and deleted the history which I was disputing as inaccurate in the first place. please help me, I am desperate and confused here.
Complaint sub-issue: Personal information incorrect

I have complained about this for more than a year, and Equifax has done nothing to update and correct the ridiculously fake address and the old, outdated phone number, inside the " Personal Information '' section of my credit report. Equifax is posting an address of XXXX, TN, where I have never lived, and never done business in. I looked that address up online, and it is an address of a mental health institution. I am ready to sue Equifax because of the fraudulent, slanderous address situation. Also, Equifax refuses to update the Fraud Alert section of my credit report. The Fraud Alert has an old, outdated phone number from 15 years ago. Equifax refuses to remove the outdated phone number. Another complaint is that while I have only one ( 1 ) physical address and move frequently, Equifax has posted a long list of physical addresses, as if all those addresses are pertinent and accurate. None of the addresses inside the Personal Information section of my credit report are correct, and one of them, the XXXX address, where I have never lived, is particularly disturbing, and outrageously, ridiculously fake and false. It is never correct for my credit report to state that I have more than one physical address, since I never use more than one physical address.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There are four ( 4 ) inquiries appearing on my Equifax Credit report from XX/XX/2021 that I did not authorize. I have contacted and disputed these with Equifax and they refuse to remove and also refuse to provide information on how they verified these accounts or provided me with a document with my original signature authorizing these inquiries.
Complaint sub-issue: Attempted to collect wrong amount

in XXXX of 2013 I was signed up for my first cell phone in my name by a member of an XXXX Kiosk team. He explained to me that I had a certain amount of data to use each month and as long as I kept my wifi on I would have no problem staying within my monthly limit. During the first month of service my " Data used '' was at XXXX every time that I checked it, which happened to be once a day and sometimes XXXX. I was a little worried that it was n't updating correctly but I let it run it 's course for another week or so. During that week I began to receive texts from XXXX saying that I was over my monthly limit for data and I would be charged an extra 20 dollars for each Gig of data I used. I was extremely upset since I had been doing my best to check my data usage every day. I gave XXXX a call and the representative let me know that I could manually turn off my data by going into my XXXX app and she would credit me for the 20 dollars that i would be charged. I did this as soon as I was off the phone with her. Within 20 minutes of turning off my data I received XXXX more texts saying I would be charged {$20.00} for extra usage. I was extremely scared since this was my first phone under my name and I did not want any blemishes on my record. I immediently called back and let them know that even though I turned off my data both on my network and on my phone and was strictly running off wifi that I was being charged for data that I was not using. The next rep. I spoke with told me it was an issue with my phone and I would need to bring it into the store to have it checked out and my bill fixed. I asked if there was anything they could do to stop the data from being charged and they said no, not over the phone. When I went into the store to seek help from a store rep. they promptly sat me down and put me on phone with the number I had called previously. I was being told by the store that I would need to speak with the phone reps. and I was being told by the phone reps that I would need to pay the 2000 dollar bill in full and that they had no records of me ever previously calling and letting them know about the situation. 
Throughout the whole process I contacted XXXX about XXXX times via the phone and went into the store XXXX. They have absolutely no record of me calling and I ca n't get any help from them resolving my issue. I do not believe that I should be harassed and discredited for something that I tried very hard to get corrected in a timely manner. Unfortunately, I do not have any supporting documents as all my bills from them have the " used '' data attached and each say I owe over XXXX each for XXXX month of service for a single line. XXXX also has no record of my XXXX calls.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have fraudulent accounts on my credit report that I never have had in my life. My XXXX XXXX app says that these things are bringing my credit score down tremendously. 

I need someone to help me fix this because it isn't fair. How can I owe a company I never ever signed up for?? 

Accounts : XXXX  : - 6 Fraudulent Hard Inquiries - 1 Collection Account as a result of identity theft ( XXXX XXXX XXXX ) Equifax : - XXXX Fraudulent Hard Inquiries - 1 Collection Account as a result of identity theft XXXX XXXX XXXX XXXX )
Complaint sub-issue: Information belongs to someone else

I have some issues of unrecognized addresses and accounts reporting that do not belong to me. Please delete the following addressses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have a few problematic account that I have never done business with the following companies : XXXX XXXX XXXX , XXXX XXXX XXXX I believe that someone has used my name to open up utilities and cable in one of the fraudulent addresses above.
Complaint sub-issue: Can't get flexible payment options

My loans was increase without me knowing and i was n't aware of it. I was also given a low payment plan being income based.
Complaint sub-issue: Don't agree with the fees charged

RESUBMISSION OF COMPLAINT. 

I am requesting that this complaint not be closed. As I and you know AES will not take responsibility for their actions. Simply taking their word over mine is not a thorough investigation of their actions. I am requesting that they provide you with a promissory note in the amount of the original balance they allege I borrowed in the amount of XXXX. They doubled the original amount that is what they did. I am not disputing the true original amount which is around 30K but less than 40K. I am not disputing the default. I am disputing everything else as well as how they misappropriated my payments which was done in a way to keep the loan open. I am also disputing the lender on the account as I called the lender and they have no record of me. They keep records of their borrowers and because I am still overpaying the loan they should have record of me. The lender instructed me to get to the bottom of this with AES who keeps dodging questions and acting ignorant as to what I am asking. I believe I made myself clear to them. 

To AES XX/XX/2022 I want to make myself real clear as well as document my request which has yet to be received. I asked you to send me a promissory note of the alleged original balance that you claim I borrowed. So far, that has not been done. The promissory note provided to me is around 30K but less than 40K. Again, to be clear I said the loan was overpaid as you charged me twice. Again, to be clear I requested all overpaid funds including interest along with capitalization regarding the overpayment to be refunded. Again, to be clear I stated that the payments made to you were not properly distributed meaning you applied my payments to a consolidated loan in such a way that benefited the lender. You purposely kept the loan open making sure it was never going to be paid off. Again, to be clear I called the lender and they said they have no record of me. Even though AES services their loans they keep a record of all their borrowers. They checked their old system and their new system. At which time, they told me to contact you regarding the discrepancy which I have done. For the last time, provide me with the promissory note in which you allege my original balance was in the amount of XXXX. I am telling you now I know you can't because it doesn't exist. This was/is and still is being overpaid that simple. So, stop with the lies.
Complaint sub-issue: Reporting company used your report improperly

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

15 U.S.C 1681 section 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: Problem with balance transfer

I did a balance transfer from XXXX XXXX to Discover. On top of that Discover doesn't show me what the charges where from the balance transfer. They even reported  me to XXXX when I have 18 months of 0 % APR financing. I sent a payment on XX/XX/2018 and have not received a confirmation email.
Complaint sub-issue: Personal information incorrect

Hello, Please UPDATE my current address on my credit reporting to : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX AND please REMOVE all other previous addresses like : XXXX XXXX XXXX. 
XXXX  XXXX XXXX XXXX, XXXX XXXX OR XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX Thank you!
Complaint sub-issue: Debt was result of identity theft

I checked my credit report for this first time and I discovered I had someone use my identity to get medical services in the state of Alabama and Texas. I have never in my life been to either state or lived there, went to school etc. I called them and said it was not me they say its nothing they can do because the debt is in my name. How is that possible? I filed a ID Theft Affidavit from the government website. Now they are saying Im still the one who did this but its impossible. I am only XXXX years old I live in Minnesota and Im about to graduate from college. I have no reason to not pay my medical bills because Im still insured under my parents. This bill is from XXXX XXXX XXXX
Complaint sub-issue: Problem with fees

CITIs Best Buy credit card automatically enrolled me in a debt protection program. I asked for proof of me accepting this enrollment and they could not provide this. Their response was that it appears on the statement which is accurate. It is also accurate that they asked me to enroll in paperless and I was happy to do that. It is also true that the functionality to view or download statements does not work on mobile devices. I will provide screenshots of the link I clicked and the error I received. I will also provide screenshots of how they try to hide these charges by charging them on the last day of the statement so they never appear in recent transactions even if they were just charged the day before. In the transactions section of the site the default is recent transactions and you would have to change the default to the previous statement to see the charge. I believe Citi tries to hide these fees to run the clock out on the XXXX percent purchases and hit people with the deferred interest.
Complaint sub-issue: Information belongs to someone else

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020, I sent letters to XXXX  and Equifax regarding inaccurate and unknown things on my credit reports to XXXX  and Equifax. To this day over 30 days later. I have not received a response at all. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it states that, failure to investigate these items within 30 days and gives a reason to immediately remove those items from my credit reports. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to stress you have caused me. My information may have been impacted by the Equifax Data Breach and may have gotten in the wrong hands.
Complaint sub-issue: Account status incorrect

This account was included in my bankruptcy from 2018 and enclosed is the bankruptcy paper as well as how it is reporting on my report it is showing as a collection which is incorrect
Complaint sub-issue: Old information reappears or never goes away

In a prior on phone conversation on a recorded line a rep told me the account was to be removed by XX/XX/2019. it is still showing on my credit report. PLease fix this.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Complaint sub-issue: Other problem getting your report or credit score

For about two months now I haven't been able to see my Equifax credit score. I called and they told me I needed to update my new marriage name and address in the system. I sent them all of the documents they needed. I've been sending it for the last two months and they refuse to update the information. They will send a letter to my father as if he has sent in information! I am in the process of buying a home and this is holding me up.
Complaint sub-issue: Problem getting report or credit score

This is a complaint against Equifax Credit XXXX. The reason of this complaint is because I have a very serious problem with this credit agency because of the improper use of my credit profile and membership, they do what they want with my credit profile without my permission or authorization. They put fraud alerts, they freeze it when even they ca n't remove the freeze that they put on the freeze when I gave them the pin that they gave me through mail. They have my credit so badly managed that its impossible for me to obtain my profile utilized and my credit score. Its so badly managed that the blockage has been so negative that even the positive accounts that are under my name and social security Equifax does n't let them report them. I have proof of letters from all the banks that I have accounts in so they can report those accounts in Equifax because they are good accounts and make my credit good and better. Also I have two months calling all week to solve this problem because only with Equifax , I do n't have any problem with XXXX, these companies report correctly but Equifax does n't. I have reached a conclusion that I have n't been only victim of identity theft but also a game of the personnel that work with Equifax. This complaint I would want the team of executives to see and do a review because this problem has become a game a joke towards me. Every time I call they are only going to do a ticket and every ticket they do n't solve anything. Also where are the positive accounts like XXXX Bank ( credit limit XXXX ), XXXX XXXX ( credit limit XXXX ), XXXX XXXX Credit Business ( credit limit XXXX ). Where are these accounts that were opened in between XXXX and XXXX of 2015 and I know because I have the letter in proof that these banks have sent in the reports, the only problem is Equifax because they do n't want to report these accounts. I am sure that 100 % that if these accounts were negative Equifax would be the first to report them, because they are here only report the negative not ever the positive. This agency is here only to damage the profile of me and I am sure many other people. They have a horrible system and a personnel that is badly trained and horrible as well and they do n't solve anything.
Complaint sub-issue: Their investigation did not fix an error on your report

Since XX/XX/2022, Ive been trying to get the inaccuracy and incorrect information corrected on my credit report. Ive filed dispute after dispute. Reinvestigation after investigation showing them the incorrect and inaccurate items on my report. The results I get each month have been a updated report with even more inaccuracies and more incorrect items and some accounts not even looked at. It is now XX/XX/2022 and Ive sent another letter full of disputes, about the same accounts, same inaccuracies and same incorrect items. 

In accordance with the Fair Credit Reporting act These accounts continue to violate my rights even after 3 months of disputing. 
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. Code 1681i ( a ) ( 5 ) ( a ) ( I ) ( A ) .Reinvestigations of disputed information ( 5 ) A. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate items gives a reason to immediately remove those items from my credit report, so they should be deleted promply. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. 

Ive sent all 3 credit reporting agencies another set of disputes pertaining to the same errors and incorrect information that they keep allowing to be put on my credit report. The disputes I sent have copies of my credit report, Ive circled each error, and all incorrect information. I attached the letter that I sent. I now will be going to theXX/XX/XXXX to file a complaint as well.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporter act XXXX XXXX XXXX amount XXXX XXXX # XXXX Date : XX/XX/XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX has violated my rights15 USC1681 section 602 8 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 your account without my written instructions.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I went to XXXXXXXX XXXX XXXX  in XXXX XXXX on XX/XX/22 to have from and rear brakes and rotors installed. They offered financing through Acima lease services. I applied and was pre-approved for approximately XXXX dollars. I was told the cost would be approximately XXXX dollars. Left the vehicle and was called later in the day and told the bill was over XXXX dollars and part of the reason was because they did an alignment. I informed them you installed tires less than 2 months ago and did the alignment then. I asked you to check it since it was pulling to the passenger side. They said we did the alignment again and you have to pay. I asked is everything already done they said yes. I asked why I was told and asked to sign off the repairs and final cost and was not given an answer. I never approved the charges in writing. I was sent a receipt electronically and got an a paper receipt saying the charge was for installing XXXX new tires. I asked why and was told we have to lie to them they don't pay for what we did. 

Since my car was effectively held hostage at this point and work was done without being approved in writing I picked up the vehicle after hours. 

I called Acima the same day explained the situation and was told nothing we can do. I told the person I spoke with you have falsified documents and they did not provide what your documents say they did. I was told it would be sent to their resolutions team but I wouldn't be contacted and nothing can be done. 

Today I contacted Acima again via online chat. Advised the same basic things and was told about the same thing. I advised I will not be paying since the docs are falsified. I was told they will repossess the property and report me as delinquent if I don't pay. I asked how they can repossess items when their agreement says the agreement was for tires and what was done brake service and parts. 

The representative abruptly ended the chat and I can not get a transcript.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I'm getting a collections notice from Jefferson Capital Systems trying to collect an old phone bill of {$150.00} from XXXX. I had cancelled before the invoice date started for the next month. I paid the previous month and called as soon as I paid the pervious month to cancel my service indefinitely. So way before the invoice starting date. I spoke to a woman on the phone who said she would take me off no problem and there would be no fees. now suddenly, I was attempting to buy a car and 3 years later my credit score drops 100 points for something I don't even owe.
Complaint sub-issue: Account information incorrect

This collection violates the law Under the FDCPA law 15 USC1692 - debt collectors can not state that such consumer owes debt Also violates 15 USC 1692 ( E ) 11 by giving false, deceptive misleading representation or means in connection with collecting any debt. The report states I " owed '' a positive balance. So after assuming a debt they also sent me a wrong statement you can not pay off a positive balance and it was never disclosed to me it was a attempt to collect a debt.

also violates 15 USC1692 ( e ) 11 Name -The Bureaus amount : {$1500.00} date : XX/XX/XXXX 2.XXXX  Amount : {$600.00} date : XX/XX/XXXX 3.XXXX XXXX XXXX  amount : {$220.00} date : XX/XX/XXXX 4XXXX XXXX XXXX amount : {$200.00} date : XX/XX/XXXX 5.XXXX XXXX  amount :XX/XX/XXXX& {$100.00} date : XX/XX/XXXX & XX/XX/XXXX6.XXXX XXXX  every account