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

This company on XX/XX/XXXX placed me on a hardship repayment plan and took off my ACH and said that I do not have to pay XXXX payment. The management team did listen to the recordings and did confirm that this is correct but every month since then they report to the credit bureau that I am late. They had to send over two-three credit correction forms and every month they still report me late. There is a glitch in their software system that sends me to collections. NOBODY at this company can fix the problem. They send me to every department and no resolution. This company is not receptive to the customers ' needs or complaints.
Complaint sub-issue: Personal information incorrect

my address is wrong and previous addresses do not belong to me please correct them according to the letter enclosed
Complaint sub-issue: Credit inquiries on your report that you don't recognize

MY NAME AND SOCIAL SECURITY NUMBER WAS USED ON SEVERAL APPLICATIONS WITHOUT MY CONSENT I DID NOT GIVE ANYONE PERMISSION TO USE MY PERSONAL INFORMATION AS A RESULT THERE ARE SEVERAL FRAUDULENT INQUIRES ON MY CREDIT
Complaint sub-issue: Reporting company used your report improperly

Lexus Nexus refuses to send me a copy of my consumer report. They Hang up on me, refuse calls, never send report as promised, etc.
Complaint sub-issue: Their investigation did not fix an error on your report

HAPPY SATURDAY XXXX - I was going through my credit profile again today and noticed an old XXXX card that i had back in XXXX of XXXX which i believe was eventually transferred to XXXX XXXX. I never recalled being late with that account but my surprised today i noticed that your company has marked me late several times over the months in XXXX. But what's more surprising is that each bureau show that i was late in different months and shows different dates of last payments. There are so many inconsistencies, inaccurate, and incomplete information on how this particular account is being reported on my credit profile and it's detrimental to my character and my ability to get the best rate out there. It's also illegally re-aging this account. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements and i'm exercising my rights under the guidelines of FCRA section 623. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Complaint sub-issue: Called before 8am or after 9pm

Called at XXXX XXXX. on Monday XX/XX/2020. Also, claims I owe them over {$10000.00} when in fact, I have no such debt ( other than student loan debt and my car loan, both of which are current ) on my credit report.
Complaint sub-issue: Information belongs to someone else

someone used my personal information to get medical treatment that i did not authorize.i have filed a report i have tried to dispute these 2 accounts and nothing gets resolved.
Complaint sub-issue: Information belongs to someone else

I was checking my credit score and realize that is very low. I was shocked when I saw it on my credit account. I believe that someone used my personal information
Complaint sub-issue: Reporting company used your report improperly

Equifax is making me very angry and the fact that you are trying to get away with criminal activity makes me take your agency to the media. The consumer reporting agency is INTENTIONALLY ignoring my claim and disregarding my rights. The agency is disregarding my rights purposely because they are saying my claim is to " verify '' or " validate '' accounts when I'm actually pointing out their unlawful practices. Equifax is reporting transactions and experiences which is against the law. The agency is also reporting items that are the result of a credit card. Please note, the instruments that I presented are the reason why they reporting agency is in violation of the laws and they are not allowed to look beyond me exercising my rights. Equifax also didn't respond to my request of the description of the procedures of the investigation because the agency did NOT investigate. The agency deleted accounts from my report because an actual HUMAN looked into my rights so that is proof XXXX broke the law several times and is getting away with criminal activity. The agency is also practicing aggravated identity theft as they are listing information from a company I don't have a contract with nor did I give consent to have my identity. DO NOT take this as a dispute. I am exercising my rights and if you send this demand through a computer, you are practicing criminal actions.
Complaint sub-issue: Charged too much interest

I have been paying an interest rate of 22.99 APR for purchases which should be charged at 14.99 APR.  Spoke to XXXX at Ohio Customer service her Supervisor XXXX and then to XXXX of Discover Support Team of which none would understand since there records does not show any cash advance since it only go back seven years. The interest rate of 14.99 is being charge to a balance of XXXX which amounts to a charge of XXXX cents. The Cash Advance subject to the 22.99 APR is XXXX interest charge of XXXX monthly. 
I have never requested a cash advance of XXXX my last statement shows I have a cash advance limit of XXXX of which XXXX is still available it seems like discover is charging interest rates and adding them to cash advance to be charge a even hire rate. they seem to single out elderly, women, and minorities. I need your help urgently. statement balance is from XX/XX/XXXX and I spoke to above mentioned Discover Reps on XX/XX/XXXX
Complaint sub-issue: Report provided to employer without your written authorization

Do not recognize these Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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
Complaint sub-issue: Personal information incorrect

XX/XX/XXXX I spoke with a representative @ Equifax to report my previous address were incorrect. They representative told me the addresses were removed. I just received a copy of my credit report and the incorrect previous address are still reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX never been my address Date Reported : XX/XX/XXXX - not factual I was living in XXXX XXXX TX XXXX XXXX XXXX XXXX MS XXXX This is my mother in laws house I have NEVER LIVED there. Date Reported XX/XX/XXXX XXXX. XXXX XXXX XXXX MS XXXX This XXXX. XXXX is not mine it belong to my husbands family in the late XX/XX/XXXX I was a child, was unaware of my husbands family at that time. Date Reported XX/XX/XXXX My spouse history is not Mine XX/XX/XXXXand Equifax keep telling me that these address are associated with accounts which is not factual. All of my creditors have a XXXX XXXX Texas address and a XXXX MS address.
Complaint sub-issue: Debt was result of identity theft

On XX/XX/2020 I contacted Afni Inc via certified mail regarding two violations they made. The bill was in the amount of {$1000.00} therefor I sent them an invoice in the amount of {$2000.00}.
Complaint sub-issue: Account information incorrect

the following accounts are incorrect and are really hurting my livelihood and damaging my character. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Right to dispute notice not received

I am in the process of purchasing a home. I am actually in escrow. My credit was pulled XX/XX/XXXX and I was suppose to sign docs today until this company placed an unknown account on my credit. 
I was never contacted by them via phone or mail.
Complaint sub-issue: Information belongs to someone else

There are 4 accounts on my credit report that do not belong to me they are not mine I have not approved or signed for these. I have tried to reach out to the bureaus but they will not help me out. 

Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account
Complaint sub-issue: Received bad information about your loan

Applied for student loan forgiveness as Ive been working as a public school teacher for over 10 years and it was denied. Ive paid on time for over ten years but even after the Biden administration said the forgiveness program was reformed I was still denied. For some reason the company says my monthly payments do not qualify. 

Thank you
Complaint sub-issue: Their investigation did not fix an error on your report

I lost my wallet and now after reviewing my credit report I see someone has been trying to buy things using my personal information. I have not given any of the companies that are on here to review my credit for anything.
Complaint sub-issue: Problem with fees

I opened a Wayfair credit card through CitiBank around XX/XX/XXXX. To this date I have never received that actual card, so I only have access to the last XXXX digits. 
I charged {$370.00} on or about XX/XX/XXXX through Wayfair. On XX/XX/XXXX I paid my balance in full through my XXXX XXXX XXXX  bill pay. I have documents through my bank that the check ( # XXXX ) went out XX/XX/XXXX, and was cashed ( deposited ) by CitiBank on XX/XX/XXXX. 
On XX/XX/XXXX I received a call from XXXX notifying me that I was late in my payments, and they're charging me a late fee. They asked me if I wanted to make a payment over the phone. I informed them that I paid my balance in full almost a month ago ( 24 days ago ). They said they had no records of that. I informed them I will contact my bank and get my documentation. 
I called XXXX XXXX XXXX ( XX/XX/XXXX, and printed my documentation. I called CitiBank back, and again, transferred me from XXXX person to another to another. No one had a clue of what they were doing. They finally told me to fax them the documents, and they will open an investigation and at this time they will put the late fee on hold. They gave me XXXX different fax numbers to send it too them. I then asked for an email as I'm retired ( XXXX ) and don't have access to a fax. They basically told me not their problem and I can mail it in. 
I ended up faxing them a copy of my check, front, and back on XXXX XXXX XXXX XXXX XXXX XXXX p.m. and have confirmation it went through. Citibank also gave me case # : XXXX. 
On Saturday, XX/XX/XXXX, I received a letter from CitiBank trying to collect a late payment for this acocunt.
Complaint sub-issue: Problem accessing account

Our XXXX minor children have CD accounts with Bank of the West. The CDs are part of an inheritance that the children received from their paternal great grandfather. Per the requirement at the time the account was set up a custodial adult had to be part of the account. The only person in the Oregon area where the account was opened was a family friend of my husband 's XXXX parents. He agreed to be custodian and provide us with bank statements. However we have not been able to get bank statements for the past two years from the custodian and are concerned that something inappropriate may have happened to the account.

As the parents of the minor children on the account we can not get any information related to the account from the bank - such as the bank statements or account balances. We are unable to monitor to ensure the accounts are being handled appropriately. The most recent call we have made on this was to the contact center for Bank of the West and it was with XXXX ID # XXXX today, XXXX XXXX, 2017. She told us that there is nothing we can do to find out the balances or get a statement as we are not on the account and that we should speak to our children about the account. We explained that the children are XXXX and XXXX years old and we are just requesting a bank statement on their behalf. She told us we could not get any information on the account including the statements. 

We would like to put a family member on this account - if not my husband and I as the children 's parents - then at least my father ( the children 's grandparent ) as he has a vested interest in the account staying whole and being managed appropriately. The current custodian is a non-relative and we are having issues getting him to provide us with statements. 

We have not been able to get any assistance from the bank on either getting statements on behalf of our minor children or finding out which branch opened the accounts so we can add my father as a custodian to ensure the funds are not disbursed to anyone prior to our children 's 18th birthdays.
Complaint sub-issue: Debt is not yours

I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 

Additionally, I am allowed under the XXXX law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission to release my medical information to a third party I am aware that the XXXX does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be XXXX compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it XXXX be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. 

All accounts in dispute listed below : 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
Complaint sub-issue: Debt is not yours

1. XX/XX/XXXX I received a credit alert from XXXX as I receive alerts with all activity on my credit report. 

2. The alert indicated a collection reported on XX/XX/XXXX in the amount of {$2200.00} from XXXX XXXX with a open date on XX/XX/XXXX and last payment of {$110.00} that stated the balance effective XX/XX/XXXX is {$2200.00} opened with XXXX XXXX. I never even made a payment of {$110.00} as this account does not belong to me and is a fraud account. 

3. I never received any correspondence from XXXX XXXX or XXXX XXXX via mail or telephone. I have no idea who this company is, I have no credit with this company. If you review my credit inquiries I don't even have any credit from these companies at all. 

4. I attempted to contact them at XXXX and they refuse to assist me and said I owe {$2200.00}. I asked for correspondence because I have no paperwork, statements, calls, or anything, as this is not my account and it is fraud. They just stated I owe them this money and refused to provide me any correspondence. I advised them that this is a fraud account because it does not belong to me. 

5. I disputed with XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as XXXX   found the information accurate and refused to remove it from my credit report and told me to contact XXXX XXXX as I did and they refused to provide me with any correspondence as well. I asked XXXX how they were able to find this collection accurate in one day after each dispute and how did they find this to be accurate as this account was never on my credit report and then suddenly 2 years later they report a collection that does not belong to me. Their response was some companies are faster then others and advised me to file a complaint with you.
Complaint sub-issue: Personal information incorrect

XX/XX/2020 : I submitted a fraud alert on my credit file. 
XX/XX/2020 : Equifax sent a letter acknowledging the action, but my name was incorrect on the letter. 
XX/XX/2020 : I called Equifax to report the error. 

They did not provide me with information on who/when the name change took place. 
They require me to file a dispute and send a copy of my drivers license and SS card. I fail to understand why Equifax does not have any responsibility to verify the accuracy of a name change from a 3rd party. How/who changed it and with what authority? I have no interest in providing Equifax with any identity documentation as they have demonstrated many times that their security is inadequate. I do not wish them to have any information about me and I certainly do not trust them with identity documents.
Complaint sub-issue: Debt is not yours

On XXXX XXXX XXXX XXXX XXXX XXXX started reporting to all 3 credit bureaus that I owe them {$690.00}. I have no contract with this company. XXXX XXXX purchased my personal information from Bank Of The West Checking OR without my knowledge or permission. They are in violation of 15 usc 1692 and 15 usc 1681. Further more on the collection it states that it was {$630.00} and as of now it is {$690.00}.
Complaint sub-issue: Deposits and withdrawals

Ihave received a wire from my bank of the total amount XXXX $ from an investor in my business account. 
They hold the account for review since last Friday the XXXX. 
I need to have access to my funds immediately as its my rights to do so
Complaint sub-issue: Account information incorrect

I never did business with XXXX XXXX, they 're consistently reporting inaccurate information on my report stating that i owe them XXXX which i do n't recall borrowing from any credit card company. i disputed this issue by calling XXXX, i never got any response or documentation of proof that i own this complay but the derogatory marks remained on my report.
Complaint sub-issue: Debt is not yours

Before XXXX XXXX put a hold on my account due to suspicious activity. They put another hold on my account due to money owed to them. 

My husband and I use a debit card tied to our checking account. So we've paid for all of our merchandise at the time of purchase. The only other money we owe them is on an XXXX issued credit card that's been on auto payments since the first month I received it. 

this has been going on for over XXXX weeks, and they still refuse to tell me how much I'm supposed to owe, or for what! They just keep taking reports, and not communicating the results.
Complaint sub-issue: Account status incorrect

XXXX sent me an email of the update they did to my XXXX XXXX account after I filed a dispute because they had not closed the most recent loan that I refinanced and updated all. Now they are showing incorrect information on the old account they closed! They are showing me 30 days late in XXXX which is NOT correct! I refinanced the loan XX/XX/XXXX. The last payment XXXX took from my account for this loan which was refinanced was XX/XX/XXXX for {$740.00}. My payments were due on the XXXX and I made them on the due date or within the ten day grace period. So this was XXXX payment they took. My XXXX payment then fell due at the end of XXXX on the XXXX at which time I called to refinance because something came up and needed extra money. It took them several days to get back to me and to set up the refinance and we completed it on XX/XX/XXXX which is NOT 30 days past my due date of XX/XX/XXXX, but 16 days past my due date! I want this 30 day late removed from all three credit reports for this XXXX loan # XXXX which was the loan I just refinanced on XX/XX/XXXX to my new loan!! Why can't XXXX or XXXX be ACCURATE??? I also am sick and tired of trying five times to file my dispute, finishing the whole process then XXXX online dispute system saying something went wrong try again, this is deliberate retaliation for my contacting your office and they need to be fined for it!!! I want them to also contact XXXX and Equifax to update and correct this too!!!! And they also had a wrong old address XXXX XXXX XXXX XXXX for me, remove it, and my fathers phone number XXXX listed as one of my numbers, remove it, And my same name listed as an alias three times, remove them, And my employer the XXXX XXXX XXXX XXXX XXXX XXXX XXXX listed four times, remove the duplicates!!!!! I want all corrected and all updated with all bureaus then I want a clean paper copy of my full corrected reports mailed to me from all three credit reporting agencies MAILED, not emailed!!!!! Lazy, incompetent people, they should be fired!!!! Shut these credit reporting agencies DOWN they do nothing but screw up everyone 's personal information, allow it to get compromised which is why there is so much identity theft in this country and try to make people look bad financially, they have no use or purpose, no value whatsoever!!! Millions of people like myself are having hours of our time wasted on correcting their idiotic mistakes and the same goes for the finance companies, banks and businesses who are just as incompetent and can not report all correctly!!!! If I did my job the way they do I would be fired!!!
Complaint sub-issue: Confusing or misleading advertising about the credit card

Opted Out of Getting Prescreened Offers for life. Discover and XXXX XXXX regularly send offers. I do not have any business relationship with either. Most recent offer from discover was on XX/XX/2022 via USPS. Please contact for further details.
Complaint sub-issue: Reporting company used your report improperly

According to the Equifax web site the believe that my information was compromised as part of the recent Equifax Security breach. 

It took me XXXX days to log into their system and find out if my information was compromised, and simultaneously to put a freeze on my report. I have had to pay the other credit reporting agencies to freeze my account.
Complaint sub-issue: Information belongs to someone else

I wrote these company back in XXXX about a ton of things that are wrong on my report. My information was both compromised and stolen and I have been dealing with a nightmare. It has now been more than XXXX days and I have not heard back about the things I'm disputing and I want those things removed NOW
Complaint sub-issue: Attempted to collect wrong amount

They do n't have the right to collect in the state I reside in which is the state of Maryland. The address that comes up on my credit report is  XXXX , FL. Also, on my credit report the full does n't appear either. It says Enhanced Recovery Compan instead o f Enhanced Recovery Company.