Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Investigation took more than 30 days

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a XXXX letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XXXX and I've yet to get any feedback on my investigation.
Complaint sub-issue: Account information incorrect

Account Name : XXXX  Account Number : XXXX Balance : {$9400.00} Late payment dates : XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Balance : {$87.00} Late payment dates : XX/XX/XXXX and XX/XX/XXXX I do not recall being late in those months. I remember receiving my statements late for the XXXX account.
Complaint sub-issue: Account information incorrect

I was told that Medical Bills were going to be removed from the credit reporting agencies on XXXX XXXX, 2022, yet these bills are still on my credit report. 

Is this my error or am I reading the directive incorrectly. There is literally no way to talk or communicate with the big 3 reporting agencies.

This is very frustrating. I just want to know the directive and why these agencies have not removed this incorrect information.
Complaint sub-issue: Didn't receive notice of right to dispute

So I have been trying to clean my credit to get a house. So my issue came from Enhanced recovery company. XXXX asked several times if they owned account and they kept saying no, it was placed with them on XX/XX/XXXX or XXXX, not sure what year they said. I examined what I was trying to do, settle and pay off for less. They lady I spoke with didn't have answers and got supervisor. I explained to him what I was trying to do and the settlement offer didn't work with what funds I had. I then asked him several times if they owned the account. They said no. Then guy was just rude and I examined that there were issues with the actual bill. He said I couldn't do another dispute because I had just done one. I explained I didn't even know process. I pushed a couple buttons on XXXX XXXX and it Saud it was disputed. He then told me XXXX couldn't contact original creditor because they weren't in charge of account. I found out they were the owner of account and I could dispute and explain my issue with higher source in collection agency, but wasn't given that opportunity.
Complaint sub-issue: Didn't receive notice of right to dispute

Today I checked my credit report and discovered that this company has reported that I owe them a debt. I did not receive notice of the debt not that I have had a right to dispute
Complaint sub-issue: Deposits and withdrawals

I have a checking/saving account with Ally Bank XXXX I was sent a check to deposit which ended up being fraudulent. I was not aware of the check being fraudulent. I asked to cancel the deposit. I destroyed the check. It was sent to me from an online relationship. The bank proceeded to freeze my account. I had money in the account to pay my rent and they returned the check for my my rent. This caused me to receive an eviction notice. They have not allowed me access to my funds for over a week. This is not acceptable. I need access to my money. I asked them to just close the account and send my funds to a new bank. They will not do that. I have never had a bank behave in this manner. I have had fraud investigations before for fraudulent activity on my account but my account was not frozen so that I could not access my funds. In this day and times, individuals have people that access their credit information and abuse their information. Unfortunately, this is the norm today. This is my income that that they have frozen. This is my livelihood. What right do they have to freeze my income? They have now cost me additional fees due to the returned check to my landlord.
Complaint sub-issue: Reporting company used your report improperly

Equifax & XXXX refuse to provide me my full credit file ( front & back ). 

XXXX shared information with Equifax without my consent and credit inquiries from unknown sources improper. 

Equifax mailed me a letter, in contradiction, Equifax instruct me to furnish verifiable information such as address etc. that they have confirmed via Equifax letter attached.
Complaint sub-issue: Transaction was not authorized

I have been using a money lending company called XXXX to help me financially. To do this they need to access my account which they have been able to do and now PNC wont let them access my account. Its my account so why is this possible?
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting incorrectly a collection/chargeoff on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is well over ( 7 ) years and it has been ( 7 ) years since the date of last activity and should not be reporting. This is a violation of the Fair Credit Reporting Act and this line item needs to be removed from my credit report. This false reporting of a collection/chargeoff is seriously harming my credit score. I have contacted the bureau to remove this however, I have not been successful.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX 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 XXXX has me at a score around XXXX. 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 XXXX 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 XXXX 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: Problem with product or service terms changing

Consumer reported a 30 day late to credit reporting agencies under deferred agreement.
Complaint sub-issue: Debt was result of identity theft

Vance & Huffman , LLC ( XXXX XXXX XXXX, XXXX VA XXXX ) is trying to collect a debt that they possibly bought from a company called XXXX , XXXX. I know nothing about this lender, debt, or collection agency/attorney. They claim they can't help and I need to report to credit agencies. They are the ones either scamming or got scammed by assuming false debt/loans. The first and only coorespondance on this matter is directly from Vance & Huffman. V & H has reported to the credit agencies, and now I have to fix this. Vance & Huffman claim that they sent over the " loan documents '' via email. These documents were never recieved. Vance & Huffman claim they have proof they were recieved which is impossible. These guys are scammers or fraudsters or else got scammed by XXXX , XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent over 3 letters to XXXX showing them proof that the information they have on file is incorrect and they have refuse to fix the issue. I have show them I was issue XXXX by the following company back in XXXX which my balance should be {$0.00} and the charge off date they have on file shows XXXX which is incorrect. They are refusing to remove it there inaccurate information and stated they have verify with the company which is wrong if they did they would see a XXXX was issue.
Complaint sub-issue: Report improperly shared by CRC

XXXX XXXX, 2016 Credco ran a inqury with XXXX. I have wrote to the company and the credit agency. 
I have demanded them to send me a original sighed contracted that I granted them permissible purpose to view my credit .I DID NOT authorize this inqury!!!!!!!!!!! I am getting the run a round. They had no permissible purpose for placing this inquiry on my credit report. I have been demanding them to remove their inqury.
Complaint sub-issue: Problem using a debit or ATM card

I contacted PNC To dispute transactions because someone fraudulently took my card. They processed the dispute and refunded {$200.00} in applicable fees. Then PNC Denied my dispute and debited my account {$400.00} for fees when they only originally refunded {$200.00}. PNC stole {$200.00} from me and when I contacted them to request this be resolved and to redispute my fraudulent transaction they said I had to wait 10 business days for the money stolen from me by the person who stole my debit card AND by the bank that stole my money. UNACCEPTABLE. PNC Stole my money and it will be over a month before I get my money back.
Complaint sub-issue: Their investigation did not fix an error on your report

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX Late Payment XXXX XXXX XXXX XXXX XX/XX/XXXX / XXXX XXXX XX/XX/XXXX XXXX Late Payment XX/XX/XXXX / XXXX and XX/XX/XXXX XXXX Late Payment XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Complaint sub-issue: Information belongs to someone else

I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. It is now XX/XX/2018. I sent XXXX XXXX and XXXX and Equifax a copy of my police report, ID Thief Affidavit, ID, my social security card, and my XXXX document showing that at the time these items were opened I was XXXX. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
Complaint sub-issue: Was not notified of investigation status or results

As of today, I have sent over six disputes to all three bureaus. I have not been verified of the initial results. I continue to receive template letters. Section 609 a ( 1 ) A of the FCRA states that. Bureaus are required by federal law to verify. through the physical verification of the original consumer contract. I requested that unverified accounts be removed immediately and there has been no results provided.
Complaint sub-issue: Information belongs to someone else

I mailed multiple disputes letter to Equifax, XXXX, XXXX, informing them that there is inaccurate information reporting on my credit report. All 3 bureaus refuse to remove the items I disputed. and send the dispute results back to me. It has been 6 months. I started sending letters XX/XX/2021 until now XX/XX/2021.
Complaint sub-issue: Deposits and withdrawals

I am trying to link my PNC account to my XXXX XXXX account, but PNC blocks this transaction. Same thing happened when trying to link the PNC account to XXXX. 
Thank you.
Complaint sub-issue: Was not notified of investigation status or results

The payment history is incorrectly showing on my credit report. I am showing 120 day delinquencies immediately proceeding an on time payment. This payment history is showing incorrectly on my credit report. It does not make sense to go from XX/XX/XXXX with no negative payment history and the reporting of an on time payment to the following month of XX/XX/XXXX showing 120 days past due and the following months XX/XX/XXXX and XX/XX/XXXX reporting 120 days past due as well. I have repeatedly reached out to the credit bureaus ; Equifax, XXXX and XXXX regarding this matter through several letters and included a copy of my photo ID and proof of mailing address to confirm my identity on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have uploaded copies of every single XXXX of these dispute letters. I received no response from Equifax, XXXX or XXXX from any of my submitted disputes. I attempted on numerous occasions to resolve the issue and am being ignored by the Equifax, XXXX and XXXX. From my understanding it is my right in accordance with the Fair Credit Reporting Act, to be notified of investigation results, for account on my credit report to be updated with the status of " in dispute '' as well as for all the information on my credit report to be accurate and verified/proven. This is not the case. Due to the several blatant violations of my rights as a consumer when it comes not only to credit reporting compliance, but also investigation compliance, I am requesting the payment history for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX be corrected and updated to current with no record of delinquency.
Complaint sub-issue: Didn't receive terms that were advertised

Key Bank has a promotion in which new Key Bank customers open a new checking account and direct deposit {$500.00} within the first 60 days receive a {$200.00} incentive payment. I have never been a Key Bank customer. On or about the end of XXXX of XX/XX/2021, I opened a Key Bank checking account online but was unable to fund the account due to technical difficulties with their website. I started the process over which opened a second Key Bank checking account. I was able to fund this account so I closed the original account. The two accounts were opened within a week of each other so it is clear that I was neither a longstanding client nor have I had a checking account with Key Bank previously. I direct deposited the {$500.00} on XX/XX/2021 as required. It is now XX/XX/XXXX and I have not received the {$200.00} incentive payment. When I called to resolve the issue, I spoke with multiple employees at an XXXX number and at the branch. They are claiming because I had a previous account, I am ineligible for the promotion. I could not fund the original account online and it is clearly a technicality. No one is willing to help me obtain the promised payment of {$200.00}. 

I would like the {$200.00} payment deposited into my account as soon as possible.
Complaint sub-issue: Report provided to employer without your written authorization

EQIFAX, XXXX & XXXX The 3 well Known Credit reporting companies have no proof of my written consent to post my personal information on there sites. This is a violation to my constitutional rights, I have the United States laws listed below, with the links attached that protects my right to privacy. Along with the United States law that says the credit reporting companies need proof of my written consent, Which they don't have. I Also have the United States law that states, ( A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ). I do have the Account numbers as well, before the United States laws that protect my Constitutional rights. 

Account Number : XXXX Company : XXXX XXXX XXXX XXXX XXXX Company : XXXX XXXX XXXX Account Number : XXXX Company : XXXX XXXX 15 u.s.c 1681 section 602 A. XXXXXXXX XXXX XXXXXXXX XXXX15 U.S. Code 1681 - Congressional findings and statement of purpose states I have the right to privacy 15 u.s.c 1681 section 604 A section 2 : XXXX XXXX XXXX XXXX15 U.S. Code 1681s2 - Responsibilities of furnishers of...

it also states a consumer reporting agency can not furnish a account with out my written instructions.

15 u.s.c 1681c. ( a ) ( 5 ) section XXXX XXXX XXXX XXXX15 U.S. Code 1681c - Requirements relating to information contained in... 

states : no consumer report containing any of the following items of information. Any other adverse item information, other than records of convictions of crimes which antedates the report by more than 7 years 15 u. s.c 1681s-2 ( A ) ( 1 ) XXXX XXXX XXXX XXXX15 U.S. Code 1681s2 - Responsibilities of furnishers of...

A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On XXXX/XXXX/XXXX spoke with XXXX in C/S dispute area of Equifax XXXX after holding over XXXX minutes XXXX XXXX day I received an email from Equifax with a confirmation number. 

Every time I tried to access on line to see my updated info I was locked out by Equifax. 

Called again a couple of days later, after about XXXX minutes of being on hold a representative answered and I was immediately disconnected from the call. 

Called back a little while later and the automated system cut me off. 

Called back today and the automated system cut me off. 

I can not access my dispute on line because I am locked out and I can not reach them on the phone because I " mysteriously '' keep getting cut off.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Report Act, XXXX XXXX Account Number : XXXX ..., XXXXXXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX Account number : XXXX, XXXX XXXX  XXXX Account number XXXX ...., XXXX XXXX XXXX  Account number XXXX .... XXXX XXXX XXXX XXXX Account number XXXX ... .has violated my rights. 

15 U.S.C 1681 section 602 A. states that I have the right to privacy. 

15 U.S.C 1681 section 602 A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Debt is not yours

I sent XXXX certified letters stating that I do not know anything about this debt. I have never had an account with XXXX and will not pay for something that doesn't belong to me. In the letters, I've asked them to validate that this debt belong to me but to no avail. Since they have not verified this information, it has to be removed from my credit report which they have refused to do.
Complaint sub-issue: Account information incorrect

I paid off my car note with XXXX XXXX in XX/XX/2020. However, since that time they have actually been reporting that my account has been late, and still show that I have a balance owed. I even have a letter directly from XXXX that shows I have no balance left on this account, and that it was paid in full in good standing. I am not sure what the problem is in regard to why XXXX is unable to report this account accurately, but I have now waited nearly 4 months for their company to properly update my credit report. The account number is XXXX.
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX XXXX  XXXX & XXXX is reporting me late on my credit report when in fact my credit cards were compromised in the months of XXXX, XX/XX/XXXX, and XXXX of XXXX. 
I contacted XXXX XXXXXXXX XXXX and explained what was happing to my accounts. The representative disputed the charges and informed me that I was not responsible for making any payments until my account issues were resolved. I was also informed that I would be notified when to resume my payments. I was never notified by XXXX XXXX when payments resume. Because my bank account was compromised as well when capital one resumed collecting payments it was from a bank account that was already closed which resulted in them reporting my accounts as late payments.
Complaint sub-issue: Information belongs to someone else

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending countless letters appealing to Equifax to verify the disputed account and remove it if unable to prove that the account is mine. Equifax is failing to block or remove the account from my report. I filed a report on the FTC website, I specified how the identity theft took place, and that I did not benefit or receive goods or services from the alleged accounts.I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! PLEASE DO NOT IGNORE my request and DELETE the account which I do not own. 

XXXX XXXX XXXX XXXX
Complaint sub-issue: Public record information inaccurate

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Complaint sub-issue: Investigation took more than 30 days

I am submitting this complaint against Equifax for reporting inaccurate information on the listed account below. For some reason, I realized that there were 30 days late payments on my credit report due to the bank sending the bill to the wrong address. The bureau is violating Section 611 of the FCRA for reporting false information which is damaging my credit and causing me emotional and physical stress. I need EQUIFAX to correct the erroneous information on my report ASAP. 

XXXX XXXX XXXXXXXX XXXX