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

On XX/XX/2020 I filed a dispute with XXXX & EQUIFAX regarding a collection account listed as XXXX XXXX. The account was sold to another company called XXXX XXXX XXXX  XXXX. This account was paid in full - as noted by the letter I received from XXXX XXXX, and should NOT be still listed as a collection account. 

XXXX sent me the results of their investigation dated XX/XX/XXXX, XXXX in which they indicated that the account was removed from my credit file. As of XX/XX/2020 the account is STILL showing up as a collection account. This is a violation of the Fair Credit Reporting Act and should not be tolerated by this credit reporting agency. 

XXXX  needs to honor their statement in the investigation results they sent me and REMOVE this account from collections IMMEDIATELY!! 

I've spoken to several people by phone who only files more disputes, which is totally and absolutely incompetent and wrong!
Complaint sub-issue: Was not notified of investigation status or results

I haven't heard anything on status of my compliance letter, So Im reinterating my request in The Fair Resoulution BOX,
Complaint sub-issue: Information belongs to someone else

There is an account from XXXX credit cards reporting on my account that I never applied for and thus must have been opened fraudulently. 

It is said to have been opened on XX/XX/2014 with a balance of {$3500.00}
Complaint sub-issue: Their investigation did not fix an error on your report

The attached post on my credit bureaus claims that a debt was purchased by a third party. At no time from my initial dispute was a debt validated. Under Federal Trade Commission guidelines, a debt must be proved, showing actual hard copy transfer. That does not mean a letter of transfer, but an actual transfer with signature backup. The debt purchase industry is the largest scam ongoing against the American consumer. Both the collection agency/debt purchaser are in violation of their subscriber agreement with every credit reporting agency. At no time was the debt validated, and the initial timeline from the original creditor has been cut off, and thus the debt is illegally being re-aged to benefit both the original creditor and the illegal debt collection process. Both the original trade line must be removed along with the invalid collection process. This problem will continue to exist since the XXXX XXXX XXXX XXXX XXXX Supreme Court decision of XX/XX/2017, whereas the third party purchase voids the individuals rights under the Fair Debt Collection Practices Act. Since there is no proof of true hard copy transfer and ownership, the collection is VOID and the collection process must cease and my file for both accounts must purge. These items must be deleted permanently and my files need to be purged.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

So there is 3 accounts that are sitting on my credit report in collections for more than 7 years. one if from pro collect with a balance of {$4400.00} the other are from XXXX XXXX XXXX  of a balance {$1900.00} and {$550.00}. I tried disputing these collections and they keep telling me that they are accurate. bur see not all credit bereaus are reporting these accounts. the procollect is not my debt. For the pro collect all 3 credit bereau are repoting different balances which is has been more than 7 years sitting there. please help as you can see in my report i am trying to fix my credit and this is really affecting me. thank you in advance
Complaint sub-issue: Fees charged for closing account

XX/XX/XXXX Went to US Bank, to get my bank statement on my closed account, also i have other account there, they charged me {$6.00} for each month ( I ask 6 months {$36.00} ), and they ask cash only, they don't let me use other account to pay, i have to take money out, they want cash only, after i payed they just give back my ID, no receipt, i ask them give me a receipt, reluctantly give a receipt, on the receipt transaction type is : miscellaneous fee. 

30 mins late still didnt get email from US Bank, so i call US Bank service ( XXXX ), they send me the statement by email with no charged, i ask the US bank service do i have to pay for the statement, the answer is no. so i go back to US bank, ask them why i have to pay for the statement, was three different worker tell me they always charged for statement, doesnt matter the account is open or closed, doesnt matter print or email, and whatever the us bank service said is not truth, they don't want to return the {$36.00}, why the us bank want cash only? why the receipt transaction type is miscellaneous fee? 

I was closed my account around XX/XX/XXXX, maybe overpay to my credit card or other reason, still have {$240.00} in the closed account, i go to the bank ask for help, they tell me 'they can't help me, i have to call the credit card company. 
U.S. Bank XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX Branch : XXXX I just want to know if this bank violated the rules and charged fees that should't be charged, thanks.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting incorrectly that I am 120 days past due on XXXX XXXX - partial account number XXXX. ( Please see pages 14 and 15 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Complaint sub-issue: Information belongs to someone else

My mom informed me that I received a letter in the mail from where I use to live stating I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money monthly. They have the wrong information. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen before. Please remove these fraudulent items from my credit report. 

XXXX XXXX {$130.00} XXXX XXXX {$98.00} XXXX XXXX XXXX {$840.00} XXXX  XXXX XXXX {$140.00} XXXX  XXXX {$99.00} XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX {$82.00} XXXX XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX/XXXX XXXX XXXX {$610.00} XXXX  XXXX {$1100.00}
Complaint sub-issue: Received bad information about your loan

I have submitted an employment certification form to qualify for public service loan forgiveness multiple times, and Fedloan Servicing refuses to process this form. I submitted it in XXXX, XXXX, and again in XXXX, and they do not update my payment count. I have messaged and emailed them repeatedly, and they do not update my payment count.
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/XXXX, when trying to pay for a purchase I made with a merchant, I handed my credit card over to the merchant, and she returned it moments later saying my transaction had been declined. It later became clear that the merchant had fraudulently swiped my card for two successful transactions of {$140.00} and {$140.00}, and attempted to swipe for a 3rd transaction that was declined. After the merchant told me the card had been declined, I ended up paying a bewilderingly high amount of cash and was refused to be provided with any receipt outlining the prices of the goods purchased nor the receipt of my cash payment. This, combined with the discovery of the two unauthorized pending charges on my online bank account, prompted me to report the incident to the local police the following day, XX/XX/XXXX. 

I opened a dispute with the credit card company ( PNC Bank ) as soon as the charges posted to my account, on XX/XX/XXXX. They soon after mailed a request to provide a receipt or other documentation. Not having a receipt, I mailed back a copy of aforementioned police report. On XX/XX/XXXX, I  received a letter from the credit card company saying they are unable to assist in my dispute. I called them on XX/XX/XXXX and spoke with a representative who adamantly insisted that unless I provide some kind of receipt, there is absolutely nothing they can do to assist me. 

After a few weeks of doing some additional research and consulting with peers, I called the credit card company back on XX/XX/XXXX, and firmly insisted that per the Fair Credit Billing Act I am entitled to ask for proof of charges I am being required to pay for, and do not have to provide anything to request such proof. A different representative again adamantly insisted that unless I provide some kind receipt there is absolutely nothing they can do. After some back and forth, I was transferred to a supervisor 's voicemail, where I left a message dropping the term " Fair Credit Billing Act '' a few times. I got a call back from the supervisor a few hours later, saying they will go ahead and proceed with my dispute. 

On XX/XX/XXXX, I received a mailed communication from the credit card company with 2 receipts for the 2 charges, provided by the merchant. The communication stated that based on these receipts, they are unable to assist in my dispute. I called on XX/XX/XXXX asking to speak with the representative whose name was on this communication, wanting to share some concerns I had with the provided receipts, some of them being : discrepancies between the timestamps on the itemized receipt and the signed credit card slip, discrepancies between the timestamps on the signed credit card slips and when the swipes actually occurred, and most importantly the fact that the signatures on both slips were forged. That representative was not available, but another one told me she would pass along my initial remarks and I will be receiving a call back from the original representative shortly. Today, XX/XX/XXXX, 3 full  business days have passed and I have yet to receive a call back.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX account is reporting as a " charge off '' for month after month. According to the FCRA a charge off can not keep reporting month after month. This has been a continued inaccurate reporting by Equifax, with continued violations of my FCRA rights. Please see attched image for the inccurate reporting. 


XXXX Account Type : Revolving Revolving Account Type - Detail : Credit Card - Bureau Code : Individual Individual Account Status : Paid Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} No. of Months ( terms ) : 0 0 High Credit : {$4100.00} {$3600.00} Credit Limit : {$3000.00} {$0.00} Past Due : {$0.00} {$0.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Payment after charge off/collection Dispute resolved; reported by grantor Settlement accepted on this account Paid charge off Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Trouble with how payments are being handled

XXXX XXXX constantly call me and threatening me with reporting me to the credit bureau for none payment of my loan. I have been consistently enrolled in school for the past two years, however, I keep getting statements saying that I'm past due and a failure to pay would result in bad marks on my credit. 

The terms on my loan stated that while enrolled I do not have to pay on my loan. XXXX has ignored the fact that I send {$50.00} a month for over a year and none of those payments has been reflected in any statement. 
.
Complaint sub-issue: Attempted to collect wrong amount

XXXX showed up on my report ( from a closed acct 10 years ago ) I called XXXX to check on it they gave me the amount same of what was on my report when I contact AFNI debt service the said the want twice what XXXX said also they said I need to pay it then proceeded to tell me I have another account they are trying to collect which I paid and have receipt for I asked them to take that off my report and they said not until I pay the XXXX charge also.
Complaint sub-issue: Right to dispute notice not received

I started receiving calls from a woman stating to be with Avante USA on XX/XX/2017. I missed this call and did not return it because I do n't know anyone in Texas and they did not leave a message. I then received a call on XX/XX/XXXX and I spoke to this woman. She stated they were trying to collect a debt for XXXX. I informed her I paid off XXXX several years ago. I also informed her that I started receiving calls a few years ago from another company trying to collect this debt, I asked them to validate it, and they never did and they never called again. I asked this current caller to validate the debt. She said she would only do that if I gave her my email address. I told her I would not as I did not feel that was secure, and that she needed to mail me something via XXXX. She stated they had, but I have not received any mail from this company. I told her I would be happy to work with her if she could validate the debt, she again said she would n't mail me anything else so I ended the call. She called again on XX/XX/XXXX and I did not answer. She called again on XX/XX/XXXX, and the same conversation took place. They called again on XX/XX/XXXX, and I did not answer. She called again today, XX/XX/XXXX. I told her we had already had this conversation and I would not speak to her anymore unless she validated the debt. She stated she had never spoken to me before and that I must have spoken to someone else. It sounds like the same woman calling everytime. I explained again I felt this money had been paid to the hospital and she needed to send me proof I owed it. She asked for my email address, which I refused as I did not want my information emailed. I asked her to mail she something and she said they do n't do that. I told her I would not give her any money or any further information until she could proof I owed it. I explained I felt the burden of proof was on them if they are accusing me of being in debt. She then threatened to put this on my credit report, then corrected herself to say it was already there. I told her I was not worried about that at the moment, that she needed to validate the debt. She told me to have a blessed day and hung up. I believe continuing to call me without validation of debt is harassment. They also give out my birthday every time they call to confirm my identity, which I have asked them not to do. They should ask me my birthday and let me give it to confirm my identity, otherwise they are providing my birth date to anyone who may answer. Thirdly, I do not appreciate threatening my credit report for something they can not or refuse to prove. Lastly, telling me to have a blessed day is unprofessional, as I do n't feel the collector 's religion has anything to do with my owing a debt or not. I want validation of this debt, or I want the calls to stop.
Complaint sub-issue: Public record

On XXXX XXXX 2008, I filed a petition for Chapter XXXX. I withdrew the petition a week later and made my own arrangement to pay off my creditors. I have sent several certified mailings to Equifax because they refuse to remove. XXXX removed after XXXX years. Equifax is stating that they are reporting correctly. They are not. I never went through with the BK and the statute of limitations is supposed to be XXXX years.
Complaint sub-issue: Not given enough info to verify debt

I ordered phone and internet from XXXX years ago, they were not able to provide the service to my house in accordance with the agreement to me getting the service. It was something about the phone lines on the poles outside being too old. Since nobody was on that pole, they did n't want to put a new one in just for me, so my service was terrible, it did n't work. 
I called and they agreed to cancel it. We parted ways. I got service that cost me more from a different provider. 
Then they started calling me a week later saying that I owed them since we had a contract for when I signed up. I explained that they could n't provide the service, no sense in me paying for something I am not getting. They were threatening and intimidating me, saying that they have a signed contract with my signature and me on voice recording agreeing to their terms. I got irritated and told them to take a hike, and hung up. They would call and I would try to reason with them, explaining that I do not have any of their equipment or service. 
These tactics of verbal intimidation and agressiveness continued for a few months and then stopped. 
And then the collections agencies started calling. I simply told them to validate the debt within 30 days or take it off my credit report. None of them to this date have provided me any validation of the debt, I have yet to see one bill or anything that shows I owe what they say I owe. They have sent me a copy of my first bill, which I paid, because they gave it to me a few days after install, before the service was cancelled. 
So this " debt '' was sold or transferred around to several different debt collectors until it ended up with AFNI, who is now reporting it against me on my credit. I can see on my credit report that it shows that it is still in dispute, since XXXX 2014 when I last talked to them. They need to take it off of my credit report. This is unacceptable. They have had plenty of days to provide validation of the debt. It is unfair to continue to pursue bad debt. These are bullying techniques. I do n't see how this is allowed. If a company sells off bad debt and then the buyer finds out, they ca n't hold that against the consumer.
Complaint sub-issue: Problem with personal statement of dispute

XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Referance # XXXX ORDER # XXXX SOLIDIFI XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX I am refinancing my house with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX Yesterday Monday XX/XX/XXXX at XXXX XXXX XXXX sent an appraisal name XXXX XXXX his address XXXX XXXX XXXX XXXX , MD XXXX to appraise my house, XXXX XXXX was very rude man and has no customer services skills every time I was talking to him he ignored me and did not want to talk back, I felt that he was prejudice toward me because I am speaking with forging accident, and XXXX XXXX was in my house around only 7 minutes for XXXX XXXX big house to do appraisal and he was out side for maybe less than 5 minutes and I was surprised by finishing my house appraisal for less than 24 hours and usually big house like my house it should take 2 to 3 days to study and give right appraisal, I feel XXXX XXXX was not fare with appraisal my house for his personal reasons he appraise my house for only $ XXXX, and I have a copy of my pervious appraisal on XX/XX/XXXX that my house was appraise for {$560.00} and in XXXX area houses goes up in prices every month my house is worth at least $ XXXX
Complaint sub-issue: Frequent or repeated calls

I have received phone calls from IC System repeatedly at all hours of the early morning and late evening ( including XXXX on the weekend ). the numbers were originally from the XXXX area code. I was never able to answer the phone, and nobody ever left a message.also called from an XXXX ( CT ) number. In the past 2 days they have robocalled me from XXXX ( ID ) and XXXX ( WY ) and have either not left a message, or I have answered with the delayed response from them and hung up ( indicating a robocall ). I returned their call both times and asked who they were and they refused to give me any information until I verified my address or my social security number. I do not give out personal information on the phone. I suggested that if they wanted to collect from me XXXX which they never actually confirmed who the creditor was XXXX, they needed to send me something in writing, and we returned to other person demanding that in order to do this, i had to give them my identifying information. They hung up on me in the middle of my own sentence about why they would n't be getting my information over the phone. they called me back about an hour later and it was another delayed call without a person on the other end. If i legitimately owe a debt, I am MORE Than willing to pay it, but I 'm not giving out any information over the phone ... not when they clearly already have that information if they are asking me to " verify '' it with them.
Complaint sub-issue: Problem with fees

I have an extreamely low balance with this card. Due to issue with thier website a payment was missed and the card proceeded to charge me a late fee which was nearly 50 % of the balance. I requested a waiver, the company responded with several non sensical questions about my balance and posting date when they have access to when and why the late fee was charged and there was no other charges in 2 billing cycles. I responsed to customer service with the requested information. I then made a payment minus the late fee charged. The company then charged another late fee the next billing cycle on top of the late fee already inccued. So now my balance consist entirely of late fees with no purchase balance. This is an unfair practice and keeps consumers in debt by chargeing exorbit fees on top of fee balances