Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information is missing that should be on the report

By manipulating his personal information unlawfuly with an intent to introduce a collection to his Equifax credit report and in retaliation after complaining about this credit bureau, Equifax violated Mr. XXXX asserted rights especially the ones under the Fair Credit Reporting Act ( FCRA ). As of today XX/XX/2019 Equifax either pretend No issue existed or Equifax is challenging the law knowing it violated the FCRA in Mr. XXXX case. Equifax decided to write Mr. XXXX Record in the way it sees it profitable for Equifax. Equifax must comply to the FCRA or a lawsuit about those violations caused by Equifax is coming to face this credit bureau. Equifax Has all the information necessary to correct Mr. XXXX personal information and without waiving his rights, all stated herein is to his current state of belief, knowledge and understanding and subject to anything and at anytime by him and without prior notice .Equifax you know what you need to do. Comply to the FCRA and address the issue with good faith or you will loose at the end when you face an indictment of fraud directed against a citizen and a severe punitive damages and other will be requested in a court of law so you chose between doing the right thing or face the legal consequences of your wrong thing youve been engaged in.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2021 Equifax mailed me a document stating that the fraudulent inquiries were removed however instead of removing them, the duplicated the inquiries. This against the law and my consumer rights.
Complaint sub-issue: Used obscene, profane, or other abusive language

XXXX XXXXCalled company in question to again state that I had closed this account voluntarily months ago.The female in the collections department was aggressive and inappropriate in her conversation with me.I had explained that due to failing health I had closed this account.The finance charges are outrageous.Predatory in nature.They have repeatedly sent me notices and contacted me by phone.They offer a XXXX XXXX Rewards XXXX but it is virtually impossible to receive the awards.The credit card company employs rude individuals in the customer service department-as well.
Complaint sub-issue: Information belongs to someone else

XXXXXXXXXXXXXXXXXXXXXXXXXXXX,OHXXXXDOBXXXXSSXXXXMyinformationisclearlyshownabove.Afterthiscreditfreezehasbeenfiled,pleaseforwardmeawrittencopyofmyfullreporttotheaddressIhaveconfirmedabove.
IwouldliketorequestasecurityfreezeplacedonmyConsumerDisclosureReport.
Ichoosetoopt-outofyourdisclosingfutureinformationuntilfurthernoticeincludingtheCreditReportandotherfurnishedinquiresregardingallpersonalinformation.
Thissecurityfreezerequestnotonlyrestrictscreditbureausandcreditors,butalsofuturepotentialemployersuntilIliftthisrestriction.UndertheFairCreditReportAct,youarerequiredtocomply.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX, XXXX, XXXX has too many department of Nelnet that appears on my credit report too many times which I only have 8 that are all discharge with XXXX balance. I contacted the credit bearua about this matter it still wasn't resolve. So I am asking could you please resolved this matter I greatly appreciated it.
Complaint sub-issue: Transaction was not authorized

Square has treated me with unbelievable disregard. I've complained about unauthorized charges made to my account and my emails went unanswered. They don't even have a phone number. There are no documents. There's absolutely nothing to get help from. They're extremely unaccountable and totally Indifferent and reckless with the customer 's money. This is my last attempt to get my money back or I'll have no choice but to sue them for money owed and damages. Enough is enough!!!! 

Uploaded is picture proof of their indifference and ignorance to my grievances. No phone support, no paper statement, no communication, I hate to cancel cards constantly because I was in fear that someone has my identity or account access because I've had 1000s stolen from me and they couldn't care less.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/XXXX i sent a certified letter to Equifax asking them to verify my accounts according to fra rules section 609 ( a ) ( 1 ) ( a ) & 611 ( a ) ( 1 ) ( a ) and section 611 ( 5 ) ( a ) .On XX/XX/XXXX I sent a 2nd certified letter stating that this is my 2nd letter asking for documentation that my accounts have been verified still no letter of reply and the accounts remain on my credit report. Since I have sent these letters I am no longer able to get online on there accounts dispute webpage tells me my information dosent match what they have on file. I called them and asked them about my letters of verifacition they did yes they had received them. I asked where my proof of account verifacition was from them and they told me accounts were verified, but do n't provide me with proof that they have been according to the frca those account must be removed from my credit report because they can not provide proof of verifacition. I am trying to by a house and Equifax has cost me 60 days of not being able to by a house. I also must mention that I wrote the same certified letters to XXXX and XXXX and both CRA replied back with letters within the 30 day period and both of the CRA removed accounts that could not be verified so by law they did exactly what they were suppost to do.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX, Equifax and XXXX are reporting 10 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 3rd dispute letters to Equifax, XXXX  and XXXX since XX/XX/2021 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: Can't use card to make purchases

XX/XX/2021 Was declined use of my Discover card at a gas station in XXXX, Ohio because I was over my credit limit. 

Pulled up my account online on my mobile phone and all transactions listed and posted do not exceed my credit line. 

Phoned Discover customer service and was on the phone for for a total of 1 hour and 23 minutes trying to resolve the problem.

The problem, they told me was that my account was being held for ( 4 ) transactions to XXXX of {$51.00} on XX/XX/XXXX. I claimed I did not approve those transactions and the transaction I did approve had already posted to my account on XX/XX/XXXX23rd of {$51.00}. I am not able to view these " held '' transactions on my online account and am wondering why I am being held accountable for them????? And now unable to use my card because of them when I clearly have the available credit. 
I insisted that a complaint be filed and after much persistence I had the Discover rep with an ID of XXXX and the complaint memo line # XXXX. 
I attempted to phone Discover again ... this time 36 minutes to see if the situation would end differently with another rep and had the same response. Pending transactions have 10 days to post and their is nothing they can do until a transaction posts. Except, they hold the consumer responsible for it by counting it against their credit limit! 

How can a credit card company hold you responsible for pending credit transactions for up to 10 days and when you are unable to access this information from your online account. Their customer service reps couldn't even see these pending transactions that they were holding against me!
Complaint sub-issue: Information belongs to someone else

I requested a document with my handwritten signature to verify that this account is mine ; none was sent to me.
Complaint sub-issue: Deposits and withdrawals

Hello, Beginning on XX/XX/XXXX I have been in contact with PNC bank, the lender with which I have my first draw PPP loan that I acquired in XXXX. I took a conservative approach when I took out my XXXX PPP loan and did not request it for as much as I was eligible, as I did not include my own personal salary for which I pay myself biweekly. This year, when the SBA announced that they would be relaunching the PPP program with a number of different amendments, including allowing Customers to apply for an increase to their first draw PPP loan. The procedural notice was issued Wednesday, XX/XX/XXXX, and today is XX/XX/XXXX. PNC still does not have a method by which a customer who has their first draw PPP loan with them can actually apply for said increase. The guidance given by the SBA dictates that increases to first draw XXXX loans can be made only by the lender of record for the loan i.e. the lender that is reflected in the SBA system as the current owner of the loan. Because I bank with PNC, and because my first draw PPP loan is with PNC, I am unable to apply for an increase. Its been three entire months that PNC has had to actually stand up a process to meet the customers needs. Other financial institutions like XXXX XXXX, XXXX XXXX, and XXXX  XXXX XXXX have successfully set up processes. By not complying to this SBA procedural notice, PNC is doing me and many other customers a disservice. I have contacted my banker no less than six times since XX/XX/XXXX, each time Im given a vague reply like its still in the process as an established yet, will let you know when it is. This back-and-forth and runaround has gone on long enough. The funds allocated to PPP by the SBA that Congress approved are dwindling with a {$10.00} XXXX a week run rate, at this rate folks are projecting the funds to run out in the next 2 to 3 weeks. Even at a more conservative run rate, it is not likely that the funds will even last until the program ends on XX/XX/XXXX. Even still, I do not have faith that PNC bank will actually have an established process for me to even apply for an increase. All Im asking for is the opportunity to apply for the increase as laid forth by the SBA according to their procedural notice. 
I would appreciate if the CFPB could investigate as to why it is taking so long to stand up this process at PNC.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # 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: Problem lowering your monthly payments

I have no job, due to the ongoing COVID-19 pandemic, with no hopes of a job coming soon. I have XXXX young children, one of which being XXXX. Sallie Mae reached an agreement with me for repaying at a lower amount, took out the agreed upon amount three months in a row, and is claiming I didn't qualify for the lowered payments and has since put my loan into delinquency, while taking a very large amount from my bank account monthly. I spoke with XXXX XXXX and t`he phone call is recorded and my bank statements coincide with the agreed upon money withdrawals. Sallie Mae claims they denied me for this lower monthly payment plan on the XX/XX/XXXX but I received no documentation of this denial and Sallie Mae followed through with automatic withdrawals of the agreed upon {$510.00} from my bank account on the agreed upon dates which was XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, skipping XXXX payments and resuming the withdrawal of the XXXX dollars on XX/XX/XXXX.They continue to harass me and say I have to pay more than the {$510.00} a month that was agreed upon on XX/XX/XXXX. With no job, it has been extremely difficult to even get the money in my account for withdrawal and Sallie Mae insists I must pay them more than double the already outrageous amount we agreed on.
Complaint sub-issue: Frequent or repeated calls

The companies representative XXXX ( not sure of correct spelling ) contacted me today XX/XX/20 at XXXX XXXX  and I advised the representative that they had the wrong number ( A tactic of my own I employed to stop receiving calls 4-5 times a day ). The representative stated that this was highly unlikely and asked if I could confirm the last 4 of my social with him and I said no but he could verify the ones he has on file with me so I could confirm or deny and the representative gave out the last 4 of my social without verifying who he was speaking with and I think that is that is ridiculous. This was a complete and direct violation of my rights and privacy.
Complaint sub-issue: Reporting company used your report improperly

Equifax has exposed me to the threat of identity theft via their mishandling of PII. I am appalled at their lack of due diligence in the wake of this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

It is further frustrating that I am now responsible for repairing this damage, for which I believe I should be compensated in the form of free monitoring and credit freezes/thaws, paid for by Equifax. 

I also hope that this ( and the multitude of other complaints like this one ) result in legal recourse for Equifax and stricter standards are implemented in order to prevent this from happening in the future.
Complaint sub-issue: Frequent or repeated calls

Medical bill sent to collection agency, Americollect in XXXX WI. Total owed {$810.00}. Received notification from collection agency, called made arrangements to pay $ XXXX monthly until paid in full. Balance owed {$210.00} which I will pay off this month. Every month they call me asking for a payment even though I have made it. Last evening they called me asking for the balance.
Complaint sub-issue: Reporting company used your report improperly

There is misleading information that is reporting on my credit report
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2020 To Whom It May Concern : I have two complaints to submit about Equifax. On XX/XX/2020, I sent a letter ( see Equifax Dispute 1.pdf ) disputing seven accounts I believe to be reporting inaccurately on my credit report. I sent this letter to Equifax by certified mail ( see Equifax Certified Mail Receipt.pdf ). Through USPS tracking, the letter was confirmed received by Equifax on XX/XX/2020 ( see Equifax USPS Tracking Results.pdf ). On XX/XX/2020, I received, by mail, a letter with the results of their completed reinvestigation. However, Equifaxs letter of their completed reinvestigation is dated XX/XX/2020 ( see Equifax Response 1.pdf ). Therefore, my first complaint is that Equifax failed to respond to me with the results of their reinvestigation within 5 business days, which is a violation of FCRA 611 ( a ) ( 6 ) ( A ).

Secondly, in my dispute letter, I specifically requested that Equifax provide me with a copy of any verifiable proof bearing my signature that they have on file for the accounts being disputed. Not only did Equifax not provide me with any documentation, their response did not address the very concern of my dispute, which is the accuracy of the data being reported. Under FCRA, 15 U.S.C. 1681 e ( b ), and MCCRA, Mass.Gen.Laws ch. 93, 54 ( b ), Equifax is required to follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report. As the courts have ruled ( Ex. Richardson v. Fleet ), during a reinvestigation, Equifax is required to conduct an independent investigation and inquire beyond the original source of information. Equifax marked their reinvestigation complete only three days from first receiving my dispute. Given the timeframe ( 3 days ) in which Equifax completed their reinvestigation and the absence of any verifiable proof that I requested for seven accounts in question, how can Equifax say that they have followed reasonable procedures to assure maximum possible accuracy of the information in my consumer report?

Since Equifax has neglected to reinvestigate my accounts thoroughly by providing me with verifiable proof bearing my signature and has neglected to provide me with a response of their reinvestigation within 5 business days, they have violated FCRA and MCCRA. Therefore, I demand for the immediate deletion of the accounts being reported inaccurately as originally requested in my dispute ( again see Equifax Dispute 1.pdf ). Needless to say, my credit score is very important to me and I believe it is being unfairly and negatively impacted as a result of these errors and hurting my ability to obtain credit. Failure to respond satisfactorily would be a continued violation of FCRA 15 U.S.C. 1681 e ( b ), and MCCRA, Mass.Gen.Laws ch. 93, 54 ( b ). These violations, whether negligent or willful, subjects Equifax to liability for damages, which I may seek, for each violation.
Complaint sub-issue: Account information incorrect

I have written to both XXXX and Equifax credit agencies to challenge the reporting and compliance of an open account that is reporting under a incomplete account number ( XXXX ). There are ( 2 ) accounts reported by XXXX XXXX with the same partial account number and the information that is reported is misleading. 

More specifically, I am referencing the fact that the information XXXX XXXX is reporting to both my XXXX andEquifax files has an incomplete account name, an incomplete account number, an incorrect account type, inaccurate account balance, missing field description of terms, missing filed high balance, missing filed comments, incorrect past due balance dates reported for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2018. 

As per section 609 of the Fair Credit Reporting Act the CRA is required to report the entire account number and a 100 % accurate account information. Please remove this inaccurately reporting account from my ( 3 ) credit bureau files.
Complaint sub-issue: Account information incorrect

Home Depot credit services called on XXXX XXXX, 2017 saying a payment was overdue. I told the person on the phone I had NOT received a statement from Home Depot. They insisted I make a payment over the phone, so without a statement to review I went ahead and gave them my XXXX XXXX checking account information to pay the balance in full and close my account. A couple of weeks later, I received a letter from Home Depot stating my payment was refused by XXXX XXXX. I knew this could not be true the charge was {$290.00} dollars, I immediately went to the local branch of XXXX XXXX they had no record of a transaction being declined on my account EVER. I then went to the local Home Depot customer service to straighten out the error it seems the person that called on XXXX XXXX  from Home Depot credit services did not enter my account information in correctly which resulted in XXXX XXXX being unable to process the payment on XXXX XXXX. Home Depot switched my statements from paper to estatement without my consent or knowledge with caused the late payment. Home Depot 's credit card services entered my checking account information incorrectly causing my payment which was one day late not to process. When I noticed a XXXX point drop on my FICO score I  called Home Depot 's credit card services and was asked by the person on the phone, what do you want me to do about it? I am considering cancelling my Costco membership and Citi savings account due to this unpleasant experience.
Complaint sub-issue: Information is not mine

equifax said i have to many deliquinces i have none at all through XXXX XXXX this was the report information XXXX XXXX gave me this info on my credit when they checked foe an equuty line a credit
Complaint sub-issue: Personal information incorrect

Received communication from XXXX XXXX XXXX stating that my credit score received from XXXX XXXX is low due to " Distance between address and area code of phone number '' " Not enough debt experience '' This is clearly bogus information as the area code for this address is provided by XXXX XXXX XXXX and I am XXXX years old and just purchased a new house. I have tons of credit. 

They say that due to this credit score I may be required to give a nonrefundable credit fee to order the service ( XXXX XXXX ) ..owned by XXXX & XXXX XXXX 
Did I mention that I have had mobile service from XXXX XXXX XXXX for no less than 10 years ( the same account ) This is not right.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have contacted XXXX  several times because i noticed they are reporting Mohela accounts on my report that does not belong to me, When i tried to call i'm either left on hold, transferred, redirected and had to repeatedly call back hopefully to reach someone. 

My call is continued left bouncing around for hours. 

Finally after many attempts, i was told that those 4 Mohela accounts can not be dispute and they were validated. 

i did not sign or agree to any contract with Mohela, I did not Provide Mohela with my social security number, i did not provide Mohela with my private home address, i did not provide Mohela with my ID or phone number. I never provided any wet ink signature to Mohela These are the amounts. 

MOHELA {$7700.00} MOHELA {$3800.00} MOHELA {$8100.00} MOHELA {$4900.00}
Complaint sub-issue: Account status

Sent in dispute to Equifax that my loan was paid off and that XXXX loan was off my records as well as XXXX, still have n't seen a correction of my score or fix as well as my credit keeps getting ran under both bereaus and my score keeps getting lowered causing me not to be able to afford another nice car and or get into my own house. 
It has ruined my chances of a loan cause people ask if it 's a repossession or a paid of repossession, and it 's not the account was paid off in full after being totalled by me. Has n't been corrected with the bereaus
Complaint sub-issue: Was not notified of investigation status or results

four months ago I notified the credit bureaus of accounts that did not belong to me. It has been well over 60 days and I have not gotten a response or any type of update. I feel like I am being taken advantage of and the credit bureaus are ignoring my disputes. Section 611 ( a ) plainly stated that failure to complete an investigation within 30 days is grounds for accounts to be automatically deleted from my credit reports. It has been over 60 days actually so these accounts should be deleted from my credit report immediately. I demand these accounts be deleted or I may have to file litigation for the stress this has caused on my life. My information was also a part of the Equifax data breach and who knows who has been using my information.