Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

I am writing this as a formal complaint against Equifax for not investigating and removing the errors and inaccuracies from my credit report. Equifax has violated my privacy and my rights under the FCRA. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit reporting agencies required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. Under the FCRA, unverified accounts must be removed unless they are able to provide me a copy of verifiable proof which they have yet to do after multiple requests. I've never even heard of most of these companies or the inquiries attached to my report so I would like verifiable proof in the form of a signed contract that these are mine. Please see my attached disputes previously sent to Equifax and help me get these deleted from my credit report.
Complaint sub-issue: Company closed your account

I recently opened an account with your company which is now closed. I like many of your other customers are independent contractors. I was given the opportunity to apply for the government 's aid PPP. However I was using a mobile bank and I was required to have a bank on the lenders list so I picked you all. After receiving my funding into the account the account was closed. I was told by my lender and the SBA that independent contractors did not need a business account to apply for the loan. When I speak to your customer service reps they wont tell me whats going on. I am a XXXX and XXXX driver. This pandemic has been hard on me since its so dangerous to drive others around without risking XXXX. The SBA PPP was saving myself and my family. 

The amount in question is {$16000.00}
Complaint sub-issue: Account status incorrect

In XXXX of this year, we were reported 30 days late on our XXXX XXXX   HELOC to the credit bureaus. I do all my banking via their mobile app and I have been seeing multiple glitches lately. The payment minimum said {$0.00} for the following month and that is why no payment was done. Apparently their app does not update until multiple days later after a recent payment has been processed. That is exaclty what happened in the month of XXXX.
Complaint sub-issue: Debt is not yours

Received texts and calls from person/s indicating that they worked with MRS Associates debt collection about a debt owed to XXXX XXXX. I have zero knowledge of having any debts owed and the numbers do not match listed numbers for MRS Associates so I believe them to be completely fraudulent. 

The number that they called with is : XXXX They texted with : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX
Complaint sub-issue: Account status incorrect

I paid my balance with XXXX on XX/XX/2022. I was told it would take 30-45 days for it to be removed from my credit report but it has now been 3 months. My credit has been affected. My account still says I owe them and havent been paying them for the last 3 months when in actuality its already been settled. Sezzle support has done nothing but repeat 30-45 days even after its been much longer than that. They refuse to help in any way and this isnt an isolated incident. XXXX works well until you have a problem and then they become a company from XXXX. I have the receipt of my payment to XXXX. I have transcripts of XXXX employees being completely negligent, some not even reading what I actually said before responding. I have been disputing this with the credit bureas and XXXX and XXXX say that the information is accurate according to XXXX which is False! I have submitted the receipts, got verification from both XXXX and XXXX themselves that I paid! Yet they refuse to correct my credit report.
Complaint sub-issue: Can't use card to make purchases

I open and received a new credit card : CITI CUSTOM CASH. I applied for it in advance anticipating a purchase I wanted to make. I have a summer home, and used it as my credit card address. 
I received a notification that I have to call a number because they detected a " suspicious activity ''. I called, and the only way to unlock my account is CITI to send a letter to my home address which I can't obtain because I'm NOT at my summer home right now. It would also take a long time not appropriate for my purchase. I asked to close my account which is also impossible according to CITI. I never heard of anything like that which is very concerning. 
CITI Customer Service is HORRIBLE with hours holding. They use off-shore representatives, speaking to the XXXX customer service is impossible due to wait time. All representatives are rude, especially ones in the " XXXX XXXX '' ( name : XXXX- a supervisor ).
Complaint sub-issue: Reporting company used your report improperly

I receive d a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that i wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C Sec. 168i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct, So, would you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to compete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them
Complaint sub-issue: Account status incorrect

I contacted Ally Financial at XXXX on XX/XX/XXXX inquiring about an extension on my loan so that I may be able to get the account current. I was informed that I must pay XXXX to be awarded an extension and my next payment of XXXX would be due XX/XX/XXXX. This would give me an extension for XXXX and XXXX payments and put my account current for XXXX. I was given confirmation # XXXX On XX/XX/XXXX XXXX XXXX POS XXXX was debited from my bank account to pay the required XXXX ( XXXX processing fee ) for the extension. 
XX/XX/XXXX Ally Financial Online payment was debited from my bank account XX/XX/XXXX Ally Financial Online payment was debited from my bank account My financial institution was bought out, so I am having trouble located the XXXX and XXXX payments. I can find this information if requested. 
My credit report shows me 60 days past due for XX/XX/XXXX and 30 days past due for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. According to the phone call and payments that I made these payments should be marked as on time.
Complaint sub-issue: Information belongs to someone else

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE A CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Trouble with how payments are being handled

The complaint is regarding how the company accepts payments. Ever since XXXX XXXX bought out my loan earlier this year, I have been dealing with the servicing company American Education Services ( AES ). Each month I call to make payment, AES employs strong-arm tactics to try to force me into giving them my banking account and routing number. 

I continue to be told, every month, that they will accept my banking account and routing numbers as the only form of payment. Each time they conclude our transaction by reminding me that they will allow the " courtesy '' of a debit, only after being transferred to a number of gatekeepers who all try to dissuade me or deveieve me that debit is not an option. I deal with this every month that I call. 

I was told today, by AES, that " this is how we 've always done it '' when it comes to accepting payments strictly through banking routing numbers. This is a dubious explanation as debit is clearly possible. I have also been told by a supervisor that they actively discourage debit because it costs them money to process payments this way. I 'm not sympathetic as this is the year XXXX and I would like to conduct my business- as I do with countless other merchants and vendors- and use my debit card. 

I have told AES that I can not and will not provide them my banking details, yet they will not accept this explanation each month I call.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX is reporting a debt that is not mine. They have failed to provide any documented proof of identity. They have also failed to show any payments made by me to XXXX XXXX. They have repeatedly reported this item on my credit without providing any documentation showing proof of the debt or proof of identity. This item is not mine and your company is in violation of the FCRA by reporting information that does not belong to me. Again I am requesting documentation that proves XXXX can confirm that they verified identy prior to reporting a debt and proof of payments. XXXX has not been able to provide this to myself or any other entity.
Complaint sub-issue: Their investigation did not fix an error on your report

Companies Involved : - XXXX in partnership with XXXX XXXX ( card provider ) - XXXX  - Equifax Due to my case not cleanly falling into one of the credit bureaus ' several dispute categories, I have been unable to solve this issue for 5 years now. 

Timeline : XXXX : A clerk at a card table in XXXX sold me on applying for a XXXX credit card. This was in XXXX, XXXX  where I lived at [ XXXX ] XXXX : Card never arrived so I called customer support. They informed me the card was mistakenly sent to the address on my ( outdated ) XXXX  ID rather than the hand written address in my application form. Card was thought to be cancelled at this time. 

XXXX : Late charges on this account began showing on my credit report. 


I have never seen this card, did not activate this card, nor have I ever made any payment towards the alleged balance. I did not see the report until much later. By then the card had been long maxed-out and was closed for non-payment. 

Assumedly, there is a paper trail of spending which demonstrates the card was most likely used near my old address in XXXX XXXX, XXXX. Similarly my accounts have not spent any money in XXXX  store since at least XXXX. 

In general, fraud claims are geared toward *application* fraud. The application was genuine however. The problem lies with XXXX XXXX  in failing to properly deliver the card and later failing to cancel the card ; in addition of course to whoever ultimately found and activated the card. 

Having disputed this many times, the responses I get have been along the lines of being told that they verified no payments were made. Well of course there were none! 

These overly simplified methods of settling disputes are negligent in cases where a human must actually think through the timeline and understand problems.
Complaint sub-issue: Attempted to collect wrong amount

XX/XX/XXXX I received two letters in the mail from Bank of the West Recovery Department. One letter was informing me that I was now in default the bank was accelerating payment for my loan. The balance reverted to the original balance due of {$12000.00} even though it was negotiated at the time my home went into foreclosure in XXXX and after 13 years of paying with no defaults my balance is {$3000.00}. The second later dated the same day and received the same day declared me in default of not responding to the first letter and encouraging for me to seek immediate assistance to save my home. My attempts to clear this up are ongoing.
Complaint sub-issue: Information belongs to someone else

I recently checked my credit report and noticed two fraudulent medical accounts XXXX XXXX XXXX  in the amount of {$1500.00} and XXXX XXXX XXXX {$65.00}. Along with 3 inquires. I have reached out by phone on XXXX XXXX to XXXX, EXQUIFAX and XXXX. I was informed to complete a FTC Identity theft report. I mailed my true identity, supporting documents to validate my identity, and the FTC report on XX/XX/2021. The account came back verified. I called the Companies in question and was informed to call the Credit Bureaus. The Bureaus are not properly validating the accounts. I have not signed or authorized to request for these companies to have financial ties on my behalf. I am disappointed as a consumer the Bureaus are not responsively upholding the credit laws Section 609 AND section 605.
Complaint sub-issue: Debt is not mine

XXXX has been attempting to collect on a non-existent debt. I have at all times had all outstanding balances paid on all accounts. I have proof of payment for the amount they allege is owed ( attached hereto ). A different collection agency previously tried to collect on this account approximately 1 year afo. I contested the claim, and that stopped contacting me. Now a different collection agency is contacting me to attempt to collect on the same non-existent debt. XXXX has agreed verbally on the phone that I owe no debts, and promised a letter of confirmation which they never sent.
Complaint sub-issue: Didn't receive enough information to verify debt

I sent XXXX  multiple letters to verify this account and I never received proof or a copy of a application with my signature.
Complaint sub-issue: Received bad information about your loan

I re-applied in  XXXX  for continuing on  the Income Based Repayment Plan with Nelnet, stud ent loan servicer. Company messaged me to state that they received the paperwork. Company did not contact me again until  XXXX  to state that my payment would be double (!!! ) from what I have been paying ( and that I was no longer in the IBRP program ). Upon calling, I was told the form I sent it was " expired. '' However, the form had an expiration date on it for   XXXX    (    XXXX   XXXX   ). The company also stated that they had sent me an email ( they did not ) and regular mail ( they did not ). Thus, I had not been notified of this " expired '' paperwork. Upon speaking to  a manager, it was acknowledge that it was Nelnet 's error and they would reprocess that paperwork as it was the appropriate forms. Three weeks later, no correspondence from Nelnet except to state that my next payment ( still the increased payment ) was due. I called the company again, and they stated that the paperwork was expired and that they sent me a correspondence to fill out a new form. This was never sent to my email or home address. I now have to take a forbearance as they will not accept the payment I have already been paying for the last year, or quickly process the paperwork ( which according to them was the correct paperwork ) in order to avoid economic hardship. I have based my career on making timely payments in an appropriate loan repayment program and I do not know if forbearance will affect the Student Loan Forgiveness Program. Further, I was told by the company that the paperwork was not expired while on the phone the first time and they rescinded that without ever contacting me.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Saturday night I got a email stating a Lender had checked my credit. I reached out to my lender and asked if they pulled my credit under a name CBNA and he said they have not ran my credit yet and does not know who this company is. My identity was compromised last year so Im not sure what this is all about. I need this to be removed from my account!
Complaint sub-issue: Public record information inaccurate

XXXX XXXX XXXX XX/XX/2019 Case # XXXX *Inaccurate information regarding sentence length of incarceration.
Complaint sub-issue: Investigation took more than 30 days

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/XXXX 30 DAY DEMAND XX/XX/XXXX
Complaint sub-issue: Account information incorrect

Equifax is reporting lates that should not even exist on a closed account. I haven't had the account open since 2015 so all of the lates that exist on the account should not even be reporting.
Complaint sub-issue: Problem with fraud alerts

I have placed a fraud freeze on my credit reports. Recently, I attempted to get a new credit card. The freeze worked exactly the way it should ; XXXX sent me a letter saying they needed a pin, or for me to release the freeze to continue. 

The problem is with Equifax. Through their website, they asked for indentification from me, but did NOT request the pin I have recorded from them. Immediately after, they refused all further contact by phone or internet : " We 're sorry ... we can not process your online request concerning an Equifax security freeze. To assist us in processing your request please submit in writing the required items outlined below. '' I am not comfortable with sending information that is already sensitive in the clear, and especially when it includes the PIN that is the master key to my credit report with XXXX. 

But I have no other option.
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/2019. My phone was hacked by an 800 phone number XXXX found on XXXX thinking it for XXXX  costumer service when I needed help to cancel a transaction I sent to a friend through XXXX. But unfortunately they hacked my account by taking my name, phone number and the device am using to access XXXX  and {$1200.00} was stolen through XXXX  XXXX. I called XXXX  but XXXX says they can not accept my claim because my phone was used on XX/XX/XXXX to access XXXX  so they have no evidence that I didnt authorized those transactions. I have explain to them several times that I didnt authorized any payment and my phone was hacked because they people ask me what phone am using, and I didnt know anything so I told them the device. But XXXX still dont want to help me trace my money. At this point I know they wont help. They are aware that people are using their app to scam people in the app but they have ignored and dont do anything about it. I need help getting my money back because I didnt authorized any transaction and dont know these people. Thank you.
Complaint sub-issue: Was not notified of investigation status or results

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately Chapter XXXX bankruptcy XXXX Please remove this bankruptcy from my Public record Chapter XXXX bankruptcy XXXX Please remove this bankruptcy from my Public record
Complaint sub-issue: Information belongs to someone else

Some body try to rent an apartment in my name in Louisiana, I found that in a credit card charge, when I realize that I started to check my credit and to my surprise there were numerous accounts in my name .These fraudulent accounts are causing me to pay high interest an a lot of credit rejections, I need to remove these fraudulent accounts from my report.
Complaint sub-issue: Received bad information about your loan

Submitted Employer verification form for XXXX on XX/XX/2022. Mohela took XXXX XXXX to process application and denied stating my employer entered an end data on the application. This information is inaccurate. The form has no end date and is clearly marked by my employer " Still Employed '' on full time basis and continue to work XXXX per XXXX
Complaint sub-issue: Information belongs to someone else

I have fraudulent accounts and personal info reporting on my credit report. It do not belong on there. I have documents of SSN, DL, Fraud Report. Please remove negative accounts and personal information on the fraud report! 


In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Information belongs to someone else

My purse was stolen out of my car in a XXXX parking lot ( XXXX, NC ). I did not do a police report at that time. After recently pulling a copy of my credit report I have noticed that there are quite a number of medical debts that are n't mine. I immediately contacted the collection company who did not help me and I then contacted the credit bureaus ( Equifax, XXXX, and XXXX ) and let them know about the problem. I disputed all items asking that signed documents be shown as proof that these charges belong to me. I have not received any original signed contracts to prove that these accounts are mine because there are none. I was told to get a police report but the years in between now and then of coarse that was impossible. I understand that each bureau reports differently however truthfully these accounts do n't belong on any of these bureaus credit report for me. I have attached my FTC Identity Theft Report Letter as well as the letter that I sent to Equifax XX/XX/2017. These accounts are making my credit score bad and its hurting my credit credibility. I have been trying to have these accounts removed for about three months now. This is unfair to me and I really need it to be fixed.
Complaint sub-issue: Their investigation did not fix an error on your report

On Thursday, XX/XX/2018 I submitted a complaint informing Equifax that there are fraudulent accounts reporting on my credit report. I submitted the Identity theft report as proof of these fraudulent accounts but to no avail as Equifax failed to block these accounts from my credit file stating that they verified that these fraudulent accounts belong to me. I would like a reinvestigation, I would also like for Equifax to send me proof along with all information regarding that investigation including the furnisher of the fraudulent information and how they verified the accuracy of these fraudulent accounts. 

This letter is my final communication regarding the inaccurate entries being reported under XXXX XXXX  XXXX Child Support, XXXX XXXX, XXXX XXXX XXXX/XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. 

I have repeatedly asked for evidence to support your reporting, but yet again, you have failed to provide me with a copy of any viable evidence submitted substantiating their claims. Furthermore, I have requested your method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).
Complaint sub-issue: Information belongs to someone else

THE ACCOUNTS DISPUTED ARE NOT TRANSACTIONS MADE BY ME. THESE INACCURATELY PLACED ACCOUNTS NEED TO BE REMOVED OFF MY ACCOUNT FOR THEY HAVE CAUSED HARM TO MY CREDIT. PLEASE HAVE THOSE ACCOUNTS REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.