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

On or about XX/XX/2018, LexisNexis Consumer Center improperly allowed XXXX XXXX XXXX to have access to my personal consumer report/information without my authorization to do so. LexisNexis Consumer Center knew or should have known that XXXX XXXX XXXX did not receive permission or authorization directly from me to access my personal consumer report and/or driving history. XXXX XXXX XXXX had access to my social security number from an old policy many years ago. I did not give LexisNexis Consumer Center or XXXX XXXX XXXX permission to access my personal information without my authorization. This is clearly a violation of my consumer rights. LexisNexis Consumer Center also  improperly accessed my personal consumer report without my permission or authorization to do so. This is also a violation of my consumer rights.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I was injured at an apartment complex in XXXX XXXX, CO and became XXXX after falling down a flight of stairs. I have disputed the validity of the debt since inception and the debt collector has ignored my repeated attempts to put a stop this harassment. 

I have attached a copy of the most recent correspondence that has been sent to the agency requesting that they cease and desist all action on this account.
Complaint sub-issue: Problem during payment process

US Bank Credit Card services has failed to update my account with the {$500.00} payment that I made on XX/XX/22. The {$500.00} was drafted from my bank account on XX/XX/22 and yet US Bank still has not applied the payment to my balance.
Complaint sub-issue: Account status incorrect

It is being reported that I had three 30 day late payments from XXXX, following two 60 day late payments from XXXX. Additionally it was reported that I had 2 60 day late payments in XXXX, when there were two on time payments made in XX/XX/20 and XX/XX/20. Additionally there were a XXXX day late payment reported after two 60 day late payments reported in XXXX. This sequence of on time and late payments are not Possible. There is no possible way to have an on time payment followed by two 60 day late payments. This payment skipped the 30 day supposed late payments and further damaging my report. Delete immediately.
Complaint sub-issue: Didn't receive enough information to verify debt

There is a XXXX XXXX debt on my account that I do not remember owing, I have asked on several occasions for detailed billing and proof that I signed any contracts for the debt and they refuse to provide me any validation. I also did not receive a first notice letter. There is no way that I owe over {$3300.00} to XXXX.
Complaint sub-issue: Problem using a debit or ATM card

Over {$12000.00} has been withdrawn from my checking account from a merchant that did not have my authorization or permission to charge my account. There is no contract in place and the merchant has been withdrawing about {$120.00} a month from my checking account for the past 10 years. I never noticed because there is no signed contract in place and I was unaware money has been withdrawn from my account. I disputed the charges with PNC bank who opened a dispute with the merchant. The merchant never responded to PNC bank, however PNC notified me that despite receiving no feedback from the merchant, they closed the dispute in favor of the merchant and it is my responsibility to recover my money. The reason PNC gave me they ruled in favor of the merchant was due to internal bank policy. The merchant never responded to the dispute charges. I am a consumer and pay bank fees to PNC bank. I have a right to expect my account and money to be secure. PNC told me anyone who has my routing.account number can go into my account and withdraw money without my permission. PNC does not consider this type of activity fraud and does not want anything to do with it. I am a consumer, pay bank fees and expect PNC to keep my money secure. I am filing this complaint because PNC refuses to do anything to get my money back. These were unauthorized charges and there is no contract or proof of any purchases I made from the merchant. There is no contract or proof of purchase because I never signed a contract for the money that has been taken out of my bank account. Does the consumer have any frights these days? Can banks just walk over average middle class Americans and not be responsible to keep our accounts secure? Please help.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO LOAN OR LEASE 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$0.00} -This is not my account.
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 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: Account status incorrect

The XXXX XXXX account in the attachment was closed in XXXX of XXXX with a {$0.00} balance but, Equifax and XXXX  is reporting 3 late payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX  has fixed the issue when I brought the inaccurate information to their attention, XXXX  and Equifax refuse to do so. I have contacted XXXX XXXX XXXX  several times about the issue and each time they told me that they made a mistake and told me that they would remove the lates, they just wanted me to file a dispute with the credit bureaus. I have filed several disputes and this issue is still not resolved. The inaccurate late payments continue to report. XXXX  has removed the late payments but, XXXX  and Equifax are still reporting this wrong information. I was never late! The account was closed and paid in FULL. NEVER LATE. Please remove the late payments from this account. I am at the end of my rope, I'm trying to buy a house and this inaccurate information is stopping me from being able to do so. Remove the late payments immediately!
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX  Equifax and XXXX are reporting XXXX 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 6th dispute letters to Equifax, XXXX and XXXX since XX/XX/2020 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: Information belongs to someone else

The inquiries listed in my report were inaccurate.I requested that they investigate these and analyze my files by sending letters to XXXX and Equifax credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Filed a dispute with an old credit card that has been paid in full. Asked XXXX XXXX to investigate and verify the account. The account still shows charge off and also derogatory on my credit profile. The creditor agreed after payment to remove from all three credit bureaus. Which was a lie. The payment history is showing unknown therefore it is an unverified account reporting to my credit.
Complaint sub-issue: Reporting company used your report improperly

I tried to work with the company to settle the debt initially, and I was met with all kinds of unlawful practices and found the Kashable company to be a Predatory lender. I was forced to believe that I could afford the loan and in the event of termination of employment, they had insurance to help to continue to make payment for you that was included in your loan payments was told when I got the loan in XXXX of 2019. I found out that was completely wrong information when I was inadvertently terminated from my job in XXXX of 2019 I informed them of the termination and that I would like to use the insurance to make payments while I look for another job, the representative told me that no such insurance existed and that I was still responsible for the loan. I was completely misled by this company and would have never taken the loan had I knew they were a predatory lender. They used use aggressive sales tactics and deception to get borrowers to take out loans they can't afford. when I got my stimulus check I had planned to use that to settle the debt as I was looking to purchase a new home during the COVID-19 pandemic and they kept moving the goal post further as I tried to settle during these uncertain times. This debt is affecting my credit on XXXX and it is showing 671  days delinquent. I would like to have this company remove this tradeline from my account as this is my last resort.
Complaint sub-issue: Their investigation did not fix an error on your report

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, aswillful negligence and non-compliance with federal statutes. Please correct or update the account : XXXX XXXXXXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$5900.00}
Complaint sub-issue: Information belongs to someone else

Equifax REFUSES to delete a fraudulent Collection that both XXXX and XXXX both found to be fraudulent during their investigation and removed. Though Equifax deleted the charged off account associated with this fraudulent account, they refuse to use the same LOGIC and remove the collection account. I have provided direct correspondence from XXXX and XXXX as well as Equifaxs own findings that shows their investigation was concluded and was found in my favor, Equifax ignored this and instead refuses to delete. This fraudulent collection account continues to report and damage my credit score monthly.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2022 a alleged amount {$4100.00}, XXXX XXXX XXXX XXXX DID NOT contact me as the LAW REQUIRES. 15 U.S code 1692g Validation of debt. A furnisher MUST mail a letter to the consumer and allow the consumer time to write a validation of the debt. Equifax, WHAT ADDRESS DID XXXX XXXX mail a letter to me so I can ask for validation of the debt? I asked XXXX XXXX using a CFPB complaint. XXXX XXXX has a address XXXX, NC. I don't have a PREVOIUS or PRESENT ADDRESS IN XXXX, NC. Please check my credit report for my addresses. I have attached the document XXXX XXXX sent me in a responds complaint # XXXX. Please look at the address on the letter and compare it to my previous and present address. No MATCH. XXXX XXXX has and is violating the fair debt collection practices act by putting a account on my credit report without notifing the correct ADDRESS.
Complaint sub-issue: Their investigation did not fix an error on your report

After recently pulling a copy of my credit report I notice that the credit bureau is reporting an account from XXXX XXXX XXXX on my credit report in which I disagree that this account belong to me I believe that this could be a mixed file with my son who has the exact same name as myself. I disputed this account declining any automated response or XXXX verification in which is unacceptable. I demand that they disclose to me all of the recorded documents retained in their file as of today 's date. Under the Fair Credit Reporting Act 15 U.S.C. 1681g. Not only did they ignore my request but they responded saying verified and refused to send me copies of any physical documents. When I called they informed me they are not required to which is false information and they have refused to remove this account. Unless irrefutably proven, physically to be fully metro 2 compliant and current, true, correct.completely timely, mine, of my responsibility or else mandateoper reporting laws of my state and or federally absolutely no adverse derogatory allegations can be lawfully retained much less legally reported as such. This account remains unproven, noncompliant and or unverified.
Complaint sub-issue: Can't close your account

On XX/XX/2021 I called PNC Bank to report a checking account opened under my name that I did not open. My name and social was used to open an account on the internet without my knowledge. The bank rep told me she would report to the fraud department. On XX/XX/2021 I received a statement for this checking account. I called PNC again and requested them to close these accounts as they could potentially expose myself and the bank to a loss if these accounts go into the negative. They said they would fill out a form and submit it to the fraud department, which they told me the same thing on XX/XX/XXXX and nothing happened. I said close the account and they told me they could not because I did not open them, THE FRAUDSTER DID therefore I am not the account owner. This is either a training issue or PNC has some bad policies regarding new accounts opened.
Complaint sub-issue: Fees charged for closing account

In XX/XX/XXXX and again in XX/XX/XXXX, a banker then a teller at 2 US Bank branches informed me that if my balance went to XXXX  the account would be closed. I did in fact close out the account in this manner. I no longer monitored this account as I had already done so to insure no outstanding checks or debits were posted. Now in XX/XX/XXXX I receive a letter informing me that I owe 2 months service fees and another past due fee. I took this letter to one of the same branches and another banker told me there was nothing she could do about it. This letter also claims " You have been contacted recently '' regarding this matter. It does not say how I was supposedly contacted or dates or times. This letter also threatens to damage my credit with other financial institutions. 
Thank you.
Complaint sub-issue: Old information reappears or never goes away

THIS COMPLAINT IS ABOUT EQUIFAX, IT'S IN REGARDS TO MAKING 3 PHONE DISPUTE ATTEMPTS TO MAKE GO AWAY. ON MY EQUIFAX REPORT IT HAS TO DO WITH THE CONSUMER STATEMENT SECTION. ALL 3 TIMES THAT I HAVE DISPUTED THIS I HAVE TRIED TO SPEAK TO A SUPERVISOR I HAVE BEEN TOLD NO EVERY TIME. THE REPRESENTATIVE TELLS ME THAT THEY WILL HAVE THIS STATEMENT REMOVED FOR ME THATS ALL I AM TRYING TO DO AND ASKING FOR IS TO HAVE IT REMOVED. SO THE REPRESENTATIVE HAS ME GO THROUGH ALL THESE SECURITY QUESTIONS BEFORE WE CAN EVEN START, ONCE WE START I ASK FOR ONE SIMPLE THING AND THAT'S TO PLEASE HAVE THIS CONSUMER STATEMENT REMOVED BECAUSE I DIDN'T PUT IT THERE. THEY STATED 3 TIMES NOW THAT WOULD BE DONE STARTING BACK IN XX/XX/2020. XX/XX/2020. AND XX/XX/2020. ALL 3 TIMES I RECEIVE A CREDIT REPORT IN THE MAIL THE RESULTS STATES THIS ITEM HAS BEEN DELETED FROM MY FILE. I LOOK ONLINE ALL 3 TIMES THE CONSUMER STATEMENT IS STILL SHOWING ON MY REPORT! WHAT IS GOING ON? CAN SOMEBODY AT EQUIFAX EXPLAIN TO ME WHY AFTER 3 DISPUTES THIS STILL IS ON MY REPORT?
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are both reporting a collection from a company in the name of XXXX XXXX and the collection references an account with XXXX but I never had my account with them I paid sprint directly for my balance owed. I disputed the account with the credit bureau and they simply kept it on my file and showing the balance as XXXX. Thats still not okay with me this shouldve never been posted to my credit bureau and I want it removed fairly. 

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

I HAVE A SERIES OF ISSUES WITH THESE ACCOUNTS. I HAVE A CABLE BILL THAT IVE NEVER SIGNED UP FOR. HOWEVER I HAVE BEEN A VICTIM OF IDENTITY THEFT. I HAVE A MEDICAL BILL THAT SHOULDVE BEEN COVERED BY XXXX, BUT INSTEAD THE BUREAS DECIDE TO PUT THIS ON MY CREDIT ACCOUNT WITHOUT CHECKING IF I WAS COVERED BY ANY TYPE OF INSURANCE. THEY HAVE NEVER REACHED OUT TO ME OR SENT ME ANY MAIL STATING I OWED THIS BILL. I CONTACTED THE CREDITORS ABOUT THIS INACCURATE MEDICAL BILL AT XXXX AND THE REP WAS VERY UNPROFESSIONAL AND EVEN MADE JOKES. I AM BUILDING UP MY BUSINESS AND THESE FRAUDULENT AND INACCURATE ACCOUNTS ARE CAUSING ME A LOT OF DISTRESS.REMOVE THESE INACCURATE ACCOUNTS OR I WILL HAVE TO ESCALATE TO THE NEXT LEVEL.
Complaint sub-issue: Old information reappears or never goes away

I called the phone number as listed on the credit report via Equifax for XXXX XXXX XXXX. After several phone calls that direct consumers to use the same number as listed on the credit report, I finally spoke to two separate agents who verified via my social security number that I did not have a credit card on file. I asked for a supervisor, I asked to be transferred, I even would ask for their names and they would rudely evade my questions and would hang up on me. The DLA on my account was XXXX. The account was paid and closed at store in Nevada on XXXX. 
Here is a copy and paste of what XXXX XXXX XXXX  denies over the phone exists and refuses to remove this information which hinders my ability to open a line of credit or get additional credit elsewhere. Dealing with their phone reps has been wasted time and an aggravation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX : ( XXXX ) XXXX Date of Last Paymnt Scheduled Paymnt Amount Actual Paymnt Amount Amount Past Due Balance Amount Items As of Date Reported XXXX XXXX XXXX/XXXX/XXXX Date Closed Terms Duration Terms Frequency {$200.00} Credit Limit {$230.00} Date Opened High Credit {$0.00} XXXX XXXX Balloon Pay Amount Deferred Pay Start Date Balloon Pay Date Charge Off Amount Date Maj.

Del. 1st Rptd Date of Last Activity Activity Designator Creditor Classification 24 Paid and Closed Months Revd XXXX/XXXX/XXXX Date of 1st Delinquency Account Number Status Pays As Agreed ; Type of Account Revolving ; Type of Loan Charge Account ; Whose Account Individual Account ; ADDITIONAL INFORMATION Account Closed by Consumer ; Closed or Paid Account/XXXX Balance ;
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

When my Best Buy credit card statement was received XX/XX/XXXX, the only charges on it were 4 that were not recognized by myself or my husband. I went to the 2 websites listed and had never seen them before. I called the 2 numbers listed and got the same recording on both, '' this number no longer active ''. I felt that someone had gotten my credit card number and was using it illegitimately. I called customer service and explained that I didn't know what these charges were for and could not reach the merchant. A fraud investigation was opened and the account closed and a new account opened. I destroyed the old cards and when the new cards were received we put them aside until the problem was settled. Since then I have called Best Buy 12 times and spoken to over 20 people in an attempt to get this resolved. It was changed to a billing dispute from a fraud investigation when the fraud investigator said it looked like a free trial that inadvertently enrolled me for continuing shipments. She asked if I had ever clicked on an e-mail for free samples. I said that i had clicked on an e-mail for samples from a company called XXXX several months before. I had difficulty getting out of the site, every time I clicked exit, I went to another screen. I think that finally I had to close the browser to get out. I never received an e-mail confirming the purchase and when the samples came there was no statement enclosed. The product was so unprofessional appearing that I never even tried it. There were no further mailings. She recommended changing it to a billing dispute. This was done on XX/XX/XXXX. It has now been 3 months and my bill has grown from {$140.00} to {$250.00}. Over the holidays I started getting XXXX phone calls, even though every time I have called and asked what to do about the bill, they tell me it will be corrected and not to pay it. My last contact XX/XX/XXXX again told that mistakes had been made in my account but that it would have to go to the actual investigators to be resolved and that couldn't happen at least until Monday. I was advised to wait a few more days and call back. I requested that the investigator call me back when it was settled. I decided to go ahead and file a complaint because I have heard that this is all going to be straightened out soon at least 3 times before.
Complaint sub-issue: Problem getting your free annual credit report

Since XX/XX/2007 XXXX XXXX and Equifax have fraudulently aggressively stolen my ID .I can not retrieve my XXXX credit re po RS It does not let me dispute anything and it constantly has technical issues wants to charge me to view my info
Complaint sub-issue: Reporting company used your report improperly

They didnt address the issues of my previous complaint. You cant raise an APR and blame it on the credit bureau. My credit score is over XXXX!! Also, Elan should remove the link to check credit or make it active. I dont need a copy of my report, I need them to stop scamming consumers. This has to be addressed. My next stop is the news. Elan Fiancial is a fraud!!
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX, I wrote to XXXX  explaining that I am a victim of identity theft and the bankruptcy reporting on my credit file is not mine ; supplying evidence and documentation. However, XXXX responded that the information was verified as accurate through Lexis Nexis. I have had my information suppressed with lexisnexis however, XXXX  refuses to remove this fraudulent account from my credit file in accordance with Section XXXX B of the FCRA.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XX/XX/29 found a {$350.00} unauthorized charge and immediately filed a dispute. So no action and called the dispute center and was assured they were working on it an I would receive a conditiona credit. In todays statement the is an indication the conditional credit was reversed. Received no communication this, and was initially there would no charge in this months statement. 
Unable to locate the company who initiate the charge to see what's going on
Complaint sub-issue: Frequent or repeated calls

There was no option for my issue. I am trying to get in touch with this debt collector. I have a XXXX XXXX account with them and my financial situation has changed and I have to cancel the payment arrangement I have with them. I have contacted them XXXX times and left messages that the payment needed to be cancelled and it was drafted out my bank account anyway, with no call being returned. I feel this is unfair and illegal business practice.