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

Equifax, through poor Internet security, allowed my personal, private information to be compromised. I am extremely dissatisfied by the fact that I have no input on whether my information is provided to Equifax or not when I apply for a loan or credit. I am extremely dissatisfied by the fact that Equifax does not have acceptable security for this sort of threat. I would like to express my dissatisfaction about the fact that Equifax waited over a month before expressing information that they were hacked. I would like to express my discontent that Equifax did not inform me IN ANY WAY and I had to rely on the media to tell me that I was in danger. I would like to express my frustration at being forcibly opted into a service that does not protect my information, that is required to participate in society ( through needing credit ). There is not recompense ( that I can think of ) that Equifax can provide that will alleviate the lifelong trust issues that I will now suffer because of this hack. I implore Equifax to attempt to regain the trust of the public, and me, by making things right. I demand credit monitoring ( for life ) and a personal guarantee that my ( supposedly ) secure information will be safe and protected. As a company that requires and stores my secure data, I expect a high level of security. This has not been provided. I request recompense for your transgressions and short-sighted decisions. Please fix the errors and frustrations that you have inflicted upon your ( often unwilling ) consumers.
Complaint sub-issue: Unexpected increase in interest rate

On XX/XX/21in preparation to pay payment due for XX/XX/XXXX, I noticed my minimum balance was higher than normal. I send a secure message as I normally due asking for a breakdown or reason for the higher charge. I was directed to call customer service to discuss my account. Today,XX/XX/21- I contacted customer service XXXX to ask for a minimum balance breakdown. Stated my concern because I normally owe minimally {$32.00}. I spoke with a customer service representative who viewed my account and stated the amount was higher due to a Late fee assessed on the account of {$39.00}. I explained that I made a payment of {$75.00} that covered the late fee charged. She saw on my account the payment and went on to say that I still owe the {$66.00} minimum balance fee. I asked why because its not making sense to me. She said its that much because they have added interest that raises the minimum payment. I still did not understand because normally I've seen the interest payment assessed and still my minimum balance due was around {$32.00}. When I challenge her response she hung the phone up on me. This is unacceptable practices from the same credit card company. I was first told it was the late fee charge and then was told it was due to something else. So I'm not charged interest twice. Once that is added before my new statement is due {$18.00} and then another {$23.00}, for what? This is what's been explained to me. I understand interest being put on the unpaid balance. Doesn't the interest increase the balance? I feel like I'm being bullied into paying way more. What are the rules for when the account is closed? The will be not additional charges made to this account. Because the account is closed Citbank has the right to double charge me in interest and attach it to my minimum balance rather than the total of the outstanding balance? I'm confused and when I keep asking just so it makes sense to me and I can ensure I pay if nothing else the minimal ( only due to times are hard due to Covid-19 ) I get hung up on. Can not get a straight answer to what my minimum balance should be, I don't get a straight answer. I understand Citibank wants to be paid their money. I also ensure I pay, but I believe this treatment is not company policy and/or procedure. So, no matter how much the bill is my minimum will increase each month because of two interest fees? Something is not right and I need better explanation to what is happening with this account whether closed an/or opened.
Complaint sub-issue: Their investigation did not fix an error on your report

I previously notified you an error on my personal credit report and that I am a victim of identity theft
Complaint sub-issue: Debt is not mine

I placed a dispute on a XXXX bill from 2014. On my XXXX credit report it says Closed report :, Collection account information disputed by consumer meets FCRA requirements. However when I look at my XXXX report they still have the account as opened. I called the collector of the account EOSCCA they are the fourth party to own the debt.
Complaint sub-issue: Was not notified of investigation status or results

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX XXXX Account XXXX : XXXX
Complaint sub-issue: Information is missing that should be on the report

I send a personal verification letter with I.D, SSN and Bill Statement they didnt update my personal info i still see the addresses and names plus they add my employer to file. 

I send a ID theft report letter and ( 605b ) with a FTC report switch just updated my report and see its still addresses, one account that didnt get remove i called CRA 's and they said that the account was verified dont know how if it was identity theft.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I reported a fraudulent charge in the amount of {$30.00} to a Macy 's store in Florida on XX/XX/XXXX. I pressed them for months to provide an update and resolve the situation since I had never set foot in the store and my card was never out of my possession. Note that the store in question was over 1000 miles away from where I live and I have never traveled to that city. I was finally given a temporary credit on XX/XX/XXXX. A week or two later, I received a letter indicating that the charge would stand and the credit on my account was reversed on XX/XX/XXXX. No details were given to support the decision - signature proof, ID shown ( the back of my card indicates See ID and again never left my possession. To be clear, I have never been to Macys XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX, FL XXXX nor has the other authorized user on the account.
Complaint sub-issue: Account information incorrect

Accont was never in collections and original creditor was paid in full. 

The collection agency " XXXX '' was hired to collect a debt of {$250.00} originally owed to " XXXX '' on account number " XXXX ''. 

Collection agency XXXX Original balance {$250.00} Current balance {$0.00} Date assigned XX/XX/2019 Original lender XXXX Account number XXXXXXXX Account holder Individual Account descriptions Consumer disputes this account information
Complaint sub-issue: Account status incorrect

I have been trying to get equifax to fix this information on my consumer report since XX/XX/XXXX and they refuse to investigate it or even fix it. I entered into a consumer transaction back in XXXX and the account has been paid and in good standing. But on my report it is showing completely wrong. It is showing, an Open collections account, in a derogatory status, but also Paid In Full. This incorrect Information is really hurting my credit and causing me stress. It is going to fall off of my credit report in XX/XX/XXXX but it has been reporting inaccurate for 7 years. And when i tried to get Equifax to update it they completely ignored me. XXXX and XXXX deleted it because they knew it didn't meet FCRA requirements, so how can equifax knowingly and willfully report this false information to hurt my credit and stress me out?
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act US DEPT OF XXXX Account # XXXX, XXXX XXXX OF XXXX Account # XXXX, XXXX XXXX OF XXXX Account # XXXX, XXXX XXXX OF XXXX Account # XXXX, XXXX 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.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX  and XXXX  from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Investigation took more than 30 days

There is a collection account that's been reported on my most recent credit report that I have recently disputed the validity of. Upon challenging this, XXXX XXXX Equifax MUST permanently delete the account on the basis that the bureau was unable to effectively confirm all the reported information is accurate. Due to the fact that I challenged this account with the credit bureaus, I noticed that you have now verified this same account. It has been more than 30 days that the bureaus have not RESOLVE or RESPONDED to my letter sent on the XX/XX/XXXX of 2022 I was led to believe that all credit bureaus receive the same information from the creditor under the Fair Credit Reporting Act ( FCRA ) ; if that is the case, I would like the creditors and the credit bureaus to provide copies of all the documentation you used to verify this account. In the event that such documentation is not produced, please DELETE this account from my credit report as soon as possible.
Complaint sub-issue: Their investigation did not fix an error on your report

I received correspondence from the Dc Bankruptcy Court that they did share myt information with the credit bureaus. I sent the letters to the all Credit Bureaus Equifax, XXXX, and XXXX they refuse to remove the Bankruptcy from my credit report. Even after I got Verification.
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX agreed to delete their account from my Equifax credit report and as of this date, it has not been deleted. See correspondences attached.
Complaint sub-issue: Information is not mine

The credit bureau refuses to delete the information as required by the Fair Credit Reporting Act.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 


XXXX XXXX XXXX XXXX XXXX : {$13000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$210.00} ; XXXX XXXX XXXXXXXX Balance : {$390.00}
Complaint sub-issue: Their investigation did not fix an error on your report

SERIOUSLY DELINQUENT STATEMENT ON REPORT BY XXXX XXXX
Complaint sub-issue: Account information incorrect

Back in XX/XX/2021 I was solicited to open a XXXX XXXX XXXX account, I responded and opened this account on XX/XX/2021. A few weeks later received another solicitation to open a XXXX credit card through XXXX XXXX. Therefore I opened the XXXX credit card on XX/XX/2021. For the next few months used both cards per the policy/terms and agreement, which was created solely by XXXX XXXX, this includes charges and making successful payments. 
You can imagine my shock when I received letters from XXXX XXXX dated XXXX XXXXthat XXXX XXXX has decided to close both my accounts. 
XXXX XXXX has discovered past or present legal action involving an individual or entity associated with the account Unfortunately it can not be reopened and we are not able to offer additional information about this decision XXXX  XXXX committed numerous violations just in the wording of the letter, but also violated our contract and both the State of Michigan and Federal laws. 
First, claiming XXXX XXXX is not able to offer additional information about this decision is not only a clear lie, I mean why not they have the information, because they used it to make their decision. Maybe they have information that they shouldnt. Further, refusing to provide a specific reason directly violates consumer rights protecting against discrimination. XXXX XXXX knows this, which means XXXX XXXX is deliberately breaking the law with the intent to cause me harm, this is another breach of contract. 
I am requesting the specific information XXXX XXXX used to close my accounts. Additionally, since XXXX XXXX has admitted they solicited me in error, that they allowed me to open these accounts in error then all information concerning these accounts should be deleted from my credit reports. 
As part of accepting the terms of the contract between myself and XXXX XXXX I agreed to the terms with the condition that I would have an open line of credit as long as I did not violate any policy or terms which I have not. 
Yet XXXX XXXX continues to charge a high monthly interest rate on both charge card accounts.
Complaint sub-issue: Account status incorrect

The co-owner of an auto loan with Gateway One Lending & Finance filed Chapter XXXX bankruptcy which was granted XX/XX/XXXX. I, the party that did NOT file bankruptcy, continued making payments for several years with no default whatsoever before, during, or after the bankruptcy of the other party. No negative information transpired to my credit report throughout the life of the loan until I paid off the vehicle. I made my regular payment in XX/XX/XXXX, and on XX/XX/XXXX called and paid off the remaining balance. I then get a notification that my FICO score dropped from XXXX to XXXX which is how I found out that Gateway incorrectly charged the account off and report as XX/XX/XXXX being a serious delinquent payment. I have tried numerous times calling and they have advised that the account is protected under bankruptcy law and this is the way it is. They have dragged me down as if I was the one that filed bankruptcy and as if they never received payment for any of the months. They never sent me any statements or mail regarding the account. I could not see my transaction history online and had to call and request it. With that being said, they sent me one transaction history which was then revised after the dispute and I was sent a second "CORRECTED" transaction history of the loan.
Complaint sub-issue: Didn't receive notice of right to dispute

On XX/XX/XXXX I received an alert from XXXX XXXX as well as XXXX that there had been a change to my credit report. My credit dropped XXXX points from XXXX to XXXX ( you don't get this type of score by not paying your bills! ) It listed MRS Associates as they reporting agency and said I owed {$59.00}. In digging deeper it said the original account that the debt was owed to was XXXX. I knew it must be an error and called XXXX immediately. It was the end of the day and they told me to call back on Monday which I did as soon as they opened. The person that I spoke with told me that it was for a modem that had not been received. We sold a 2nd home during COVID and XXXX sent us 2 mailing labels to mail the modem and 2 boxes back, which we did. We did receive a letter from XXXX saying that they did not receive the modem but my husband provided proof of the receipt from the UPS store.That was in XXXX or XXXX of XXXX and we never heard another word. They have our mailing address but NEVER did we get another notice. And NEVER did XXXX XXXX  ( which I verified also had our correct mailing address ) send us any type of notification before reporting me to the credit bureaus. I spent time on the phone with XXXX and eventually paid the {$59.00} to clear the issue and then took the issue up with XXXX. In my call to XXXX I aksed how they could turn us in to a collection agency without ever notifying us so that we had a chance to dispute it. The representative had no answer, he did verify that they had received two boxes, one on XX/XX/XXXX and the other on XX/XX/XXXX but could not tell me what was in the boxes, only that they still showed a missing modem. They got the modem, it just wasn't marked as received. I was told they would open an investigation to see if they could locate it. The account was XXXX years old, we never had a late or missed payment and were never notified that there was still an issue. I would like this removed from my credit! I just don't see how it's fair to never even notify a customer that there is an issue and turn you in and damage your credit. Both XXXX and XXXX verified our mailing address so there is no way we would not have received communication if either of them bothered to send us anything. I am furious that I had to pay {$59.00} for an item that we shipped ( and they received ) but even more furious about taking a hit to my stellar credit that I have worked hard to build and maintain.
Complaint sub-issue: Problem getting report or credit score

I have disputed items on my credit report with Equifax. When I contacted them in referenced to the dispute, most of the information they had and what I requested was incorrect. While inspecting the disputes they dropped my credit score drastically and when I asked " why '' was told because they are investigating disputes. Asked how they can do this when the disputes have not been resolved and everything remains the same and all of my accounts are paid on time, no satisfactory answer. Even though I dispute items, they still remain on my credit report., i.e., one account I never opened, received in mail that I have a approved credit with this company which they then reported to the credit bureau. I never used this account, there are no monies on this account and asked to have this removed. Equifax refused to remove this from credit report and told me basically to call them and get it resolved even though it is obvious the account was never used. I requested my mortgage to be added to my credit report as I have never been late with mortgage payments and would help my credit score sufficiently, they refuse to do that as well. Which I should have the legal right to add positive items to my credit report, showing payments and etc., not just a statement. They are terrible to do business with and very difficult to understand. Bottom line, I disputed items, nothing basically has been done and my credit score went down!!!
Complaint sub-issue: Was not notified of investigation status or results

XXXX XXXX # XXXX is reporting a debt that is in violation of my 30 day right to dispute. I recently called to settle another debt and was NOT informed about this new collection. If I had been I would have settled it. This is erroneous on their end and they are in violation of my 30 day right to dispute.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2021 a unauthorized hard inquiry occurred without my permission from a discover financial
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a validation request To Alpine Credit in XXXX XXXX They responded on XX/XX/2022 with a simple bill. and NO HIpaa release form signed by me. On XX/XX/2022 I sent another letter informing them of their FDCPA and HIPAA violation. On XXXX I sent a cease and desist to all collection activities. They have yet to remove this unvalidated account from my credit report. Ive included all letters I sent as well as their response, and a copy of my credit report.
Complaint sub-issue: Debt was result of identity theft

XXXX/XXXX  and the Collection agency they use XXXX XXXX XXXX continuously ignored my forms and reports of the debt not being my debt and it was result of identity theft. They've added false debt to my credit report. XXXX claimed it would take 30 days to investifate and sent a letter in threee days saying it was my debt even after the proper forms were submitted such as my FTC report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX with 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
Complaint sub-issue: Account information incorrect

Credit Report drawn for mortgage loan. 
XXXX, XXXX, Equifax IMPOSSIBLE to talk to a human..on and on recordings but can not get help with simple question All three sources listed 08- Too many inquiries last 12 months with no backup as to who, what, where.

Since I haven't applied for additional credit in last year except this one instance when report drawn..I know this false but can not talk to anyone from these " services? ''
Complaint sub-issue: Information belongs to someone else

There are 3 unauthorized inquires reporting to my XXXX report. These are lenders that I did NOT submit a request for any lines of credit. The lenders are XXXX XXXX XXXX XXXX and US Bank. I contacted XXXX on XX/XX/2021 in regards to this matter and was told to contact the creditor/lender directly to verify. Each lender has informed me that no accounts exist or lines of credit have been issued under my social however, there was an application submitted that resulted in the inquiry. XXXX  is not working proactively to resolve this matter even with the lenders confirming that I have no active accounts.