Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Billing dispute for services

On XX/XX/2016, XXXX XXXX XXXX  was opened. We had a car with them and surrendered the vehicle due to undisclosed information for the temporary insurance they provided. The agreement was for us to utilize their insurance until we found a company that would insure our vehicle under full coverage. At the time we only had liability. Our monthly payment was higher due to XXXX XXXX insurance. A few months later we gained full coverage with XXXX  and called XXXX XXXX to give them the information and to cancel their insurance and go back to our regular monthly car loan payments. They told us they will not cancel their insurance it will continue on for the duration of our loan. We were outraged, we tried to speak with upper management. We was unsuccessful. We told them we would not continue business with them. They did not disclose that information nor did we sign any documentation stating their temporary insurance will stay on for the duration of our loan which meant we would have to pay two full coverage car insurance plus the car note payments. We told them to come and pick up the vehicle. We explained we placed new tires on the car, and replaced the car battery. They sold the car at an auction and did not include the updates. They then told us we had a remaining balance to pay them. We were again outraged. After a few months of searching for free legal representation, we received a notice of our credit report scoring plummeting tremendously due to XXXX XXXX placing us in collections. XXXX XXXX reported every month of non payment, even though we tried to state the fraudulent act they committed on us. We lost out on home purchasing due to them and as a result we had no choice but to pay the settlement amount they suggested to us in order for them to close the account and have it removed. It is 6 years later, they still havent removed themselves from our credit and placed the account as a charge off. We paid them in full.
Complaint sub-issue: Account information incorrect

On XX/XX/2022 I sent a letter to the company ( equifax ) requesting several accounts to be verified, updated, or removed from my credit report. These accounts are reporting incomplete, inaccurate and unverifiable information. The company refused to properly investigate these debts allegedly belonging to me and they refused to inform me of the outcome of their investigation. Furthermore, the company did not update the inaccuracies reporting to my credit file. 

This information has negatively impacted my credit report and the company has refused proper investigation, verification and/ or removal of these inaccurate accounts.
Complaint sub-issue: Information belongs to someone else

Hi my name is XXXX XXXX and there are fraudulent credit inquiries on my credit reports that I have contacted the credit bureaus about before but it looks as if the companies told me they remove them but actually didn't. I am requesting that all credit inquiries that I have listed be removed off my credit file as I have been a victim of identity theft since XXXX at which point my ex husband was deported for using my identity as well as my sons. Please remove the following credit inquires as they do not belong to me XXXX and XXXX XXXX  also there are addresses listed on my XXXX report and equifax report that are fraudulent that I have never lived at which at XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX   XXXX XXXX which are all fraud never lived there so please remove these fraudulent addresses. Also equifax is not reporting my job which I have been with since XXXX which is XXXX XXXX XXXX XXXX which needs to be reported as future creditors need to know that I have a stable job. This whole ordeal is draining me physically and emotionally I just want the credit score that I deserve. I always pay me bills on time being XXXX and having a XXXX child and being a victim of domestic XXXX and identity theft please raise my score to the appropriate rating because what's being done to me is unfair.
Complaint sub-issue: Information is not mine

THIS IS A COMPLAINT AGAINST Equifax ( DEPARTMENT OF FRAUD ) THIS AGENCY CREDIT NOT COMPLY WITH FEDERAL LAW OF FAIR CREDIT WHEN IS VICTIM OF IDENTITY THEFT, like me, on several occasions HE SENT THE REPORT OF POLICE AND YET ACCOUNTS REMAIN IN MY REPORT MY WAY AFFECT OF NEGATIVE CREDIT PROFILE AND XXXX A pOLICE REPORT THAT WERE WITH BILLS XXXX FRAUDULENT AND WITHOUT MY PERMISSION. HOWEVER THIS DEPARTMENT OF FRAUD AND DISPUTES LAW FAILS IN BLOCKING AND ELIMINATE THESE BILLS WHEN IS VICTIM OF IDENTITY THEFT. It is for this reason that I GO TO CONSUMER PROTECTION BUREAU finace, DUE TO NORMAL BY DIRECT CONTACT NO WAY HE HAD EXPECTED ANSWERS AND THE RIGHT AS TO COMPLY WITH SECTION XXXX OF THE FEDERAL LAW SECTION OF FAIR CREDIT. These accounts are : XXXX XXXX I XXXX XXXX. # Account Number : XXXX.
Complaint sub-issue: Transaction was not authorized

Long time Citibank customer. Citibank uses service called XXXX. I was a victim of a fraud scheme thru XXXX for {$900.00}. When I realized was a fraud/scam issue, I immediately called Citibank for assistance and to stop the {$900.00} charge which showed as " pending '' when I accessed my account online. 

After being put on hold for 53 minutes, Citi disconnected my line. I had to call back and start the whole process over again. Finally transferred to the right department only to be told that since this was a XXXX payment, Citi would not cancel the payment, so I'm now out {$900.00}. 

Again, the XXXX service was NOT my choice, but the choice that Citibank established on my account. Now being told Citi has no responsibility.
Complaint sub-issue: Their investigation did not fix an error on your report

The Credit Bureaus have done NOTHING to correct the erroneous accounts on my Credit Report and continued reporting these accounts without proper verification. I am frustrated by the Credit Bureaus ' actions and negligence regarding this matter. They do not take this matter as serious as I am, in fact they seem to enjoy seeing a consumer having difficulties because of their ruthless negligence that resulted for my Credit File to be impacted negatively. I submitted a letter to the 3 Credit Bureaus on XX/XX/2022 to correct these erroneous accounts. I think that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) and continued reporting. I am tempted to pursue legal action against the Credit bureaus if they still continue this erroneous reporting without proper verification. This matter was already included in my prior COMPLAINT # XXXX, # XXXX, # XXXX, and I'm disputing these accounts once again : DPT EDXXXX XXXX Balance Owed : {$3700.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1200.00}
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX are reporting incorrectly a collection in the amount of {$0.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page 14 of the attached credit report. ) This account should never have gone to collections. XXXX XXXX XXXX was sending the bills to an address that was over ( 4 ) years old so I was not aware that this account was ever in collections. I contacted XXXX XXXX XXXX and paid this. The insurance company was never billed for this service. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Complaint sub-issue: Account information incorrect

XXXX XXXX has not reported my payments since XXXX of this year. I paid the card off on XX/XX/2022 but it still shows a balance on all the reporting agencies.
Complaint sub-issue: Debt was result of identity theft

AFNI , Inc : trying to collect debts from someone who opened an XXXX XXXX XXXX acct. This account was not opened by me. Reported and disputed as fraud. Unsure the amount charged.
Complaint sub-issue: Their investigation did not fix an error on your report

Account Name : XXXX Account Number : 1934 Balance : {$240.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$380.00} Account Name : XXXX Account Number : XXXX Balance : {$2000.00} This is a formal complaint against Equifax, XXXX, and XXXX. I have disputed this with the credit bureaus and I am still not seeing any corrections or changes in the way the information on each account is being reported. The items are questionable and I've been asking the credit bureaus and collectors as well to validate the reporting of the accounts because if not, they should delete them as per the FCRA. The credit bureaus are not budging and I don't know what else to do to get these companies to properly investigate the account.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

received a call from a debt collector by the name of XXXX XXXX, from The company Tek Collect on XXXX @ XXXX XXXX. I requested for the debt collector to cease all future phone calls & to communicate with me strictly via postal mail. After i disconnected the call, the same debt collector XXXX XXXX called me back and questioned why I hung up on h and continued to harass me about the debt and called me a debtor in attempt to belittle me. The hanging up and calling back happened 2-3 more times before I decided to block the number to cease the harassing calls.
Complaint sub-issue: Investigation took more than 30 days

I sent a letter out on XX/XX/2022 to Equifax. However, its been more than 30 days and the credit bureau failed to send my investigation back. This is not making sense. 

According to the law 15 U.S. Code 1681i Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Complaint sub-issue: Frequent or repeated calls

Call every day around XXXX XXXX Robo call looking for person who is not me.
Complaint sub-issue: Information belongs to someone else

Hi my name is XXXX XXXX XXXX residing at XXXX XXXX XXXX XXXX ny XXXX phone number XXXX and I am contacting you because Equifax is continuously reporting items on my credit reports that are fraudulent and do not belong to me and I have made them aware of this problem several times and have also sent them police reports to back up what I am stating, but yet this company still reports things that arent mine. This is causing serious XXXX related issues due to stress XXXX XXXX and the list goes on I can also provide my medical records if needed because my next step is seeking legal help if this issue isnt fixed as I am XXXX and also have a XXXX yr old XXXX child to take care of and this is all unneeded stress that could be avoided. Let me explain what this company does and maybe if you look at prior credit reports of mine you will understand what I have been going threw with this company. Everytime my credit score raises they add fraudulent accounts to make my score drop or delete accounts in good standing its a shame how these companies get away with the fraudulent activity they do but I have been studying Equifax for almost 2yrs now and I will be filing a lawsuit this time if this issue isnt fixed. The items that should be removed because they are fraudulent and do not belong to me are {$290.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/2015 + {$320.00} Original creditor : XXXX XXXX XXXX XXXX  these are fraud and I want them removed at once from my credit reports
Complaint sub-issue: Attempted to collect wrong amount

On or about XXXX, 2015 Jefferson System Capital and XXXX are both collecting for the dame debt. I do not owe what they are claiming and I have requested information on numerous occasions and have never been provided with supporting information for the debt.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX, I contacted Equifax about the following negative accounts XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$4000.00} ), XXXX XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX ( Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ) and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Complaint sub-issue: Debt is not yours

I had an account with XXXX XXXX, but they failed to deliver on their contract. I notified the FTC and the FTC decided I was correct. XXXX has now been sending this bill to different debt collectors, and they keep selling the debt to different collectors. Also, to note I have not received any kind of verification letter in the mail.
Complaint sub-issue: Company closed your account

On XX/XX/2022, I received an email from CITI that " Your Citi account ( XXXX ) will automatically close within 60 days ''. It writes " We periodically review customer accounts and assess account activity. Based on a recent review of your Citi ( R ) Accelerate Savings account, we found that you have violated the terms of your account per the client manual. '' I contacted them on XX/XX/2022, regarding this issue, but they didn't tell me which term I violated. And I was told to wait 30-60 days to get my money back and if I hope to get my money back earlier, I need to visit a local branch. But the closest CITI branch is over XXXX miles away. It is almost impossible. I save more than {$140000.00} in the CITI account and I urgently need my money. There is no way to get my money back earlier!! 

I have two complaints. First, please provide the exact term that I violate. Second, I have the right to take my money back as soon as possible.
Complaint sub-issue: Reporting company used your report improperly

Several months ago ( mid XXXX to XXXX 2017 ), personal information including my Name, Address, SSN,  credit card numbers, and other information was accessed illegally through Equifax 's poorly secured databases. This breach was only recently made public although they have known about it for months.
Complaint sub-issue: Information is missing that should be on the report

I have two XXXX XXXX in my possession. One XXXX XXXX is an individual account, which is correctly being reported to Equifax report. The second XXXX XXXX is an authorized user account, which is not reported to Equifax report. I have verified that the authorized user XXXX XXXX that is being correctly reported to XXXX and XXXX, however, Equifax fails to report this authorized user account. I also I call XXXX XXXX and they told me they are correctly reporting to Equifax and just like they are reporting to XXXX and XXXX. 

I requested Equifax four ( 4 ) times to please verify on your end to correctly report the XXXX XXXX authorized user account with {$1200.00} dollar credit limit. I have been trying to correct this for almost 5 months now. All they do is send another report without correcting anything.
Complaint sub-issue: Investigation took more than 30 days

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Complaint sub-issue: Their investigation did not fix an error on your report

The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent charges to my credit file. As a result, I disputed this identity fraud with this company on XXXX by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. 
But until now, as I am writing to you, this company is still reporting these fraudulent accounts contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. Please REMOVE this fraudulent information from my credit report, as per 605B of the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX # XXXX, Date Opened XX/XX/XXXX, Balance {$1300.00}, Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance {$1400.00}, Date Opened XX/XX/XXXX I am attaching the dispute letter/documents I sent to this company on the XXXX and my FTC report, in case they need to reference or review.
Complaint sub-issue: Threatened to sue you for very old debt

The first notice I recall receiving from Johnson Mark LLC dated XX/XX/XXXX. It notified me that XXXX XXXX retained them to collect a debt. XXXX XXXX did not notify me that my payments stopped going through. There was adequate money in the account. I had no idea until this XX/XX/XXXX letter. Johnson Mark LLC had me served with a summons on XX/XX/XXXX. I set up a payment arrangement with them prior to this. XXXX XXXX never called me or reached out. I would like to be able to just pay {$100.00} every two weeks and have the suit dismissed. I have been temporarily living at a different address since XX/XX/XXXX because my apartment building has communal bathrooms and is a covid risk. Letters must have been returned to sender to XXXX XXXX. They never attempted to locate my new address or call.. I had no idea I was behind on payments.
Complaint sub-issue: Reporting company used your report improperly

Equifax security breach exposed my name, Social Security number, birth date, address and drivers license number as well as Credit card numbers possibly.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX # XXXX {$260.00} XXXX XXXX  # XXXX {$3500.00} XXXX XXXX XXXX # XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX {$15000.00} XXXX XXXX  # XXXX {$75.00} XXXX XXXX # XXXX {$380.00} XXXX XXXX XXXX XXXX # XXXX {$7100.00} XXXX INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I did not authorize these companies to obtain my personal information to get credit accounts. I have no knowledge of these companies and whom may have used my personal information to obtain these accounts.
Complaint sub-issue: Debt was result of identity theft

I had a checking account with XXXX Bank. In XX/XX/XXXX there was fraud on the account for which we filed a police report. In late XX/XX/XXXX we went into the XXXX, AZ branch to notify them that fraud had occurred on the account. No action was taken at that point by XXXX XXXX. Since the no action was taken, the account remained open and an automatic draft went through placing the account in a negative balance for a few dollars. The amount of the reported fraud was more than the amount the account went negative. If the fraud had been processed the account would never have gone negative. Because of the negative balance, XXXX XXXX  added 6 overdraft fees ( NSF ) for a total of {$220.00}. 

In mid XX/XX/XXXX I receive a letter from XXXX XXXX stating the account was in negative balance. The same day XXXX received the letter I went to my local XXXX XXXX   branch to get this cleared up and provided them with a copy of the police report. I was told by the banker i spoke with that they would begin working on resolving it and that I would be contacted with further steps. I specifically asked the banker to confirm this would not be placed in collections until I was contacted. 

I did not hear back from XXXX XXXX until early XXXX when I received a letter stating the account was now in collections. At that point I have gone to my local branch to get this resolved but keep being run around in circles. I submitted a fraud claim with was denied without notification to me. I contacted XXXX XXXX again and the claim has been re-initiated, but I do not have confidence any action will be taken. 

I have asked repeatedly that this be taken out of collections given the previously explained information with no action from XXXX XXXX.
Complaint sub-issue: Old information reappears or never goes away

I have requested several times to have this account removed from my credit report. The account is paid and should have never been reported. The confirmation number is XXXX for XXXX XXXX XXXX for account ending in XXXX. The account should be removed.
Complaint sub-issue: Reporting company used your report improperly

XXXX accordance with the Fair CreditXXXX & XXXX XXXX Opened XXXX {$220.00} XXXX XXXX XXXX Opened XXXX {$730.00} XXXX XXXX XXXX Opened XXXX {$1200.00} 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I called Equifax onXX/XX/XXXX to dispute inquiries that I did not recognize on my credit report that they sent to me the week prior. They requested a police report and would not investigate the validity of these inquiries that are listed below : XXXX XXXX/XXXX   XXXX Did not authorize XXXX XXXX to pull my credit again on XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXXk XXXX
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX, 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

Account Name : XXXX  Account Number : XXXX Balance : {$0.00} Dates of late : XX/XX/XXXX, XXXX, XX/XX/XXXX Account Name : XXXX  Account Number : XXXX Balance : {$220.00} Dates of late : XXXX, XXXX, XX/XX/XXXX This is a formal complaint against Equifax. I have paid for this on time during those months. The credit bureaus could not have validated and investigated every piece of information to make sure this is correct and that the payment history is reporting the right information. If the late payments are not reported 100 percent accurate, please remove them from this account and update the account as paid as agreed.
Complaint sub-issue: Personal information

I have asked on numerous occasions for my address and Name be corrected on my Credit reporting account.