Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

Best Buy continues to report late payments on two accounts that I had with them with an exceptional payment history. I have recently resolved a different matter with them though they closed ALL of my accounts prior to a favorable resolution. The late payments in question are reflected in the year 2019. I have made several requests for proof of the late payments from Best Buy to no avail. Best Buy has not only ignored my requests but has erroneously " updated '' my credit report by simply moving the months in question around by a month or two.
Complaint sub-issue: Account status incorrect

On numerous occasions I have reached out to the credit bureaus to correct my account status from charge-off to included in bankruptcy and have been unsuccessful in having this removed/updated. I would like to have this done as quickly as possible because this is causing me some problems in establishing a mortgage loan.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and equiofax credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifa are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor.My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}, XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX Balance : {$6400.00},
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Co 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 an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

I have attempted several occasions to have my credit report updated. My idenity was stolen. I have submitted police reports as their is an ongoing investigation. However, even with this information Equifax has refused to delete the accounts. What more can I do if I have the police report? This is a clear violation of the Fair Credit Reporting Act. The following are the accounts that are in dispute. Some of the accounts I was paying in an attempt to keep my credit high. I eventually stopped because it did not help matters. I even asked the business for proof of the transactions so this information can be added to the police investigation. 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX : ( XXXX ) XXXX 2. XXXX  XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX 3.  XXXX XXXX XXXX 4 XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX : ( XXXX ) XXXX XXXX
Complaint sub-issue: Account status incorrect

I have a student loan with XXXX XXXX, {$23000.00}. The loan was sold to XXXX  services with out my knowledge. I never got any correspondence from the loan transferring. The payment was then reported 60 days late to credit agencies. Loan is upto date now and set on auto pay.
Complaint sub-issue: Trouble getting a working replacement card

XX/XX/XXXX, my current card, which PA Unemployment payments are deposited at US Bank Reliacard, was declined for ATM withdraws and transfers to my personal checking account at XXXX XXXX. I called XX/XX/XXXX to find out what was wrong. They informed me as of XX/XX/XXXX, without notice, PA apparently changed withdraw and transfer amounts to far less then they where allowing XX/XX/XXXX which is the date I made transfers to my XXXX account because I was back funded a substantial amount for unemployment benefits from XXXX XXXX XX/XX/XXXX. They requested I fax them a copy of my driver 's license front and back and that it could take up to 10 business days to reinstate my account. I faxed the document XX/XX/XXXX. Waiting patiently for 10 business days, I called XX/XX/XXXX wondering why my account wasn't yet reinstated. They told me they never received the fax! I have confirmation the phone number they gave me received it. They said to use their website to upload the driver 's license and it could take up to 10 more business days to process. I did the uploading and did NOT wait 10 days to call them. I called XX/XX/XXXX, XXXX, and then XXXX. XX/XX/XXXX, they said they did not receive the upload and asked me to do a verify upload from my phone of my driver 's license and a selfie. I did that while they were still on the phone with me. It would take another 10 business days. I called again XX/XX/XXXX - their systems were down for routine maintenance! Who does that on a weekday? I called XX/XX/XXXX. They escalated it a 4th time which is an email to the department who processes the reinstatements. I called XX/XX/XXXX. I was told the department who processes the reinstatements posted a note to my account on XX/XX/XXXX a XXXX that I needed to be patient while they worked through the backlog of the faxes and re- fax my driver 's license and ssn card again! I did that. It costa money to get these faxes done. 

I have been patiently waiting over 30 days and counting for this to be fixed! No other source of income but the unemployment benefits. I have rent and other bills to pay. I am going into the hospital for a medical procedure and want this fixed before I do it. I have to pay late fees and additional interest. Not fair. Are they hurting because i can't get to money I am entitled to have and use? They should be! 

This is totally unfair. I seem to have to recourse, no place to go for relief. I can't work because of underlying medical conditions. Coronavirus closed my contract in XXXX, they did not restart and I have limited ability to find new contracts because of coronavirus. There is nothing locally. I have applied everywhere for everything. I am over qualified. 

I have a file to share showing my documentation of the situation. 

I provided the card number as requested however everytime I enter it on US Bank Reliacard called system it says it it inactive and the customer representatives have to look it up on my ssn. 

Please help!
Complaint sub-issue: Account information incorrect

XXXX and Equifax are both reporting 4 hard inquiries to my credit report as I shopped for a mortgage refinance. Two if not three of these inquiries should be removed. 



Name Requested On XXXX XXXX XXXX via XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XXXX via EQUIFAX MORTGAGE SERVICE XX/XX/XXXX
Complaint sub-issue: Account information incorrect

Jefferson Capital Systems , LLC XXXX XXXX XXXX. XXXX XXXX MN XXXX On XXXX XXXX, 2017, Jefferson Capital Systems LLC. added a derogatory mark on my credit profile per XXXX XXXX in the amount of {$2900.00}. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt creditor did not verify collection. Also, there was NO written form of communication for contract or signature for the accused debt at all.
Complaint sub-issue: Information belongs to someone else

This is the second time I have contacted your XXXX XXXX, Equifax, XXXX regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I do not believe a proper investigation was done from my file through your office. My current legal name is XXXX XXXX XXXX please remove/ delete all variations they are incorrect. 
MY DOB IS XXXX My SS number XXXX MY ADDRESS XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX. 
I have been the victim of ID Theft and I wish all addresses other the the one above to be remove file my credit report I no longer live there and do not wish pre approved mail and ads sent to those addresses as I believe this is possibly what lead to my ID being stolen in the first place. 
I no longer live in XXXX XXXX and some has been using my ID and SS for account in XXXX XXXX. I had to file a report for the Unauthorized activities.
Complaint sub-issue: Debt is not yours

XXXX XXXX company failed to mitigate damages ( XXXX RPL XXXX ) from an early termination of a XXXX  Lease during Covid ( high risk and had to leave the city ) and instead left the unit off market and sent me to collections for ~ {$5000.00} in unpaid rent. XXXX XXXX time frame. 

Currently suing the XXXX XXXX XXXX in XXXX small claims court for this violation of duty to mitigate. Courts are backed up and waiting for a docket. 

As soon as informed that the XXXX sent me to collections, I sent a certified debt validation letter via XXXX XXXX XXXX XXXX XXXX XXXX XXXX the debt collector ) on XX/XX/XXXX. 

HW IncXXXX refused to accept the Debt Validation letter and it was returned. 

Subsequently, I filed disputes with the 3 CRBs. 

HW Inc. replied to them ( but not me ) on XX/XX/XXXX ( according the HW rep on phone ). 

Still receiving harassing phone calls from HW Inc. as of XX/XX/XXXX, despite having informed them of the Debt Validation attempt and the ongoing court case. 

Attempting to purchase my first home to start a family and am having difficulty with mortgage approval from this.
Complaint sub-issue: Information belongs to someone else

Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap. 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,
Complaint sub-issue: Trouble with how payments are handled

I received a billing statement on XX/XX/XXXX about my loan coming back into repayment. I then received an email today, XX/XX/XXXX, stating that I had a past due balance on my loan. When I looked at the billing statement from XX/XX/XXXX, I did have an {$84.00} past due amount. However, the statement received on XX/XX/XXXX was the first communication I have received from them regarding my loan since XX/XX/XXXX. ( This is reflected on my online account as well. ) Additionally, I did not receive a single phone call or email regarding the past due amount. However, my mom ( my co-signer ) has received north of 6 calls per day regarding this past due amount. When I called to receive information about this past due amount, all the customer service representative said they could do was notate my account. I then confirmed that my phone number is listed on my account and I requested that they remove my mom 's information so she stops receiving calls. I was told they are unable to remove my mom 's information without her approval. Additionally, I submitted an online payment for the past due amount at XXXX this morning, but my mom has still continued to get calls. When I spoke to the representative, he had no knowledge of my payment until he dug around the account a little bit. If a payment has been submitted, all debt collecting attempts should cease immediately. 
I work for a mortgage company and deal with CFPB compliance every day so I understand what constitutes as a violation and not sending me a billing statement or contacting me regarding a missed payment is 100 % a violation. I 'm not sure what can be done to rectify this situation, but something needs to be done. I 'm sure I 'm not the only borrower this happens to. 
Please remove my mom 's contact information from my account IMMEDIATELY. Being the main, direct borrower on the loan, I should have access to any account information that I need and should be able to request any updates to the account.
Complaint sub-issue: Their investigation did not fix an error on your report

Credit Bureaus are reported an alleged bankruptcies on my credit report. XXXX XXXX informed that they provided the credit bureaus with no such information regarding these alleged bankruptcies and the courts also stated the same information. Since XXXX XXXX has verified that they did not provide this information, I am challenging the validity of these and wanting full documentation.
Complaint sub-issue: Other problem getting your report or credit score

I had used the app to lock my credit as im a victim or identity theft. I tried to before a loan. Several creditors couldnt pull my report. I contacted equifax over 17 times over 5 days all saying my credit can be pulled but i applied for 5 cards and a car and NONE could get my equifax report. Equifax has consistently showed extreme negligence in handling any issues. 

They also refused to remove identity theft from my report after receiving police reports and identity theft affidavit when the other bureaus did, equifax refused. They also refused to reinvestigate. 
This is now the THIRD time equifax has violated the FCRA ontop of the breach recently. 

This completely shows a constant complete disgregard of the law and gross negligence on a daily basis.
Complaint sub-issue: Trouble with how payments are being handled

I received a letter from American Education Services on XX/XX/XXXX stating that the terms of my loan had changed. My monthly payment increased from {$110.00} per month to {$290.00} per month. 

My loans have always been on automatic payment and I have never missed a payment. However, it turns out the company had failed - for a number of years - to gradually raise my payments to sufficiently cover principal and interest. This mean I'd been paying primarily interest for a number of years and not paying down the principal in a timely manner. American Education Services never notified me of this and it seems were not even aware of it themselves. 

When I contacted the company about their error, they did nothing to rectify the situation. 

It does not seem fair given that I had automatic payment set up and have been a diligent payer for many years. I had no way of knowing my payments should have been gradually increasing. It should be the company 's responsibility to request the appropriate payments from the borrower over time.
Complaint sub-issue: Account status incorrect

Disputing late payments reported for XXXX XXXX XXXX on credit reports. On time payments were made. Report payment history with an X to represent Unknown or delete XXXX XXXX XXXX account in entirety from credit reports.
Complaint sub-issue: Account status incorrect

The problem is with Equifax. I have been having no score with them since XXXX. They are currently reporting no date and late payments with my student loan accounts 4 different ones. I contact XXXX  they said they are reporting on time payments. Since i recently been having problems with Equifax i am sure they are the ones reporting late payments and NR for all on time payments. I am in the process of buying a home and the next step will be to sue Equifax. I been on hold 1hr 28 mins after speaking to controller XXXX and shes rude and i was still asking questions and she just transfer my and im just waiting for supervisor. Im sure they will answer after 2 hrs and then phone will just hang up like always. They are going to say they are sending i. Whatever XXXX is reporting but i spoke to 3 different people at XXXX and on the XXXX  and XXXX  i have on time payments. I am demanding Equifax to update all my ontime payments and remove no report and late payments for XXXX XXXX my ssn is XXXX XXXX XXXX. Equifax is terrible and they should be ordered to close down. Im sick and disgust with them since XXXX. 

FIX MY REPORT XXXX IS NOT REPORTING LATE PAYMEMTS ITS YALL TERRIBLE SYSTEM
Complaint sub-issue: Can't close your account

My son passed away. I took the order of summary administration to PNC in XXXX XXXX XXXX, XXXX, and they refuse to release the funds to me.
Complaint sub-issue: Information belongs to someone else

These accounts are not mine but are reflecting on my credit report. 

XXXX XXXXXXXX XXXX. - {$5900.00} Opened XX/XX/2020 XXXX XXXX XXXX XXXX - {$780.00} Acct # : XXXX XXXX Bank XXXX - {$1800.00} Acct # : XXXX XXXX XXXX Bank - {$500.00} Acct # : XXXXXXXX XXXX XXXX XXXX - {$32000.00} Acct # : XXXX They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXX XXXX XXXX bank any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Complaint sub-issue: Received bad information about your loan

My account was inaccurate an amount of XXXX was borrowed, for the XX/XX/XXXX-XX/XX/XXXX academic year yet ; certain amounts haven't been applied correctly, plus I need to continue to manage my own money. They've taken the authorization for granted ; especially being that had given non. I've received small checks when there was no enrollment, my tuition amounts keeps a flip flopping, and they keep charging me when it's already been paid for. And there was an approved XXXX dollar scholarship leaving me, with a " supposed '' debt XXXX what kind of institution does that?
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response about the written requests I sent in EQUIFAX. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Inquiry Date Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ;
Complaint sub-issue: Account terms

I am the author and owner of all communications within this complaint. I do not agree to allow this complaint to be managed outside of the portal. 

My Credit report currently has " XXXX '' reporting inaccurately, and in an incorrect manner. 

I dispute the validity of this account/Tradeline. 

1. The " Type of Account '' says NA, and should be " Revolving/Option '' 2. There is no Payment History in this account - and there should be as this account was opened for over 13 years 3. There is no Balance History in this account - and there should be as this account was opened for over 13 years 4. Because this account has no Payment History, please verify its Status/Major Delinquency date 5. Because this account has no Balance History, please verify its Status/Major Delinquency date 6. This account has no Activity Designator, and should as this account is Closed 7. FCRA states that this account must have a balance of XXXX, and this field is blank, please correct this information. 
There are no Terms in this account, and it was Monthly - please correct this information. 

Please validate this Tradeline, and resolve the errors - or Delete this account. 

Please provide a printed report, when resolved.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

This is the 2nd time I am reporting because I never heard from the company about the 1st time ( I also have called CPFB 3 times as I cant login ) and most importantly I now have all my reciepts, statements and proof of payments I made.

Home depot credit card services has somehow messed up the accounting on my bill adding the same purchase back on my bill after it was paid and then refusing to acknowledge the 2 letters with proof I send certified on XX/XX/XXXX and again in XXXX. I also requested copies of my statements for XXXX - XXXX twice and was sent a home depo ad. I called and got hung up on and then they said they did not recieve my dispute ( they did because they signed for it both times ) On XX/XX/XXXX my balance was {$68.00}. On XX/XX/XXXX I made a purchase of {$330.00} & on XX/XX/XXXX XXXX for XXXX. Total purchases for XXXX and XXXX plus my previous balance {$950.00}. I then returned 7 boxes of vinyl because I over bought too many on XX/XX/XXXX for {$170.00} then XX/XX/XXXX for {$64.00}. On XX/XX/XXXX a return for {$60.00} XX/XX/XXXX, {$60.00}, XXXX {$17.00} & XX/XX/XXXX for {$25.00} Total {$400.00}. 
I made XXXX payments in XXXX and XXXX. XX/XX/XXXX for {$200.00} and XX/XX/XXXX of {$150.00} .total {$350.00}. Take my purchases and previous balance {$950.00} minus refunds {$400.00} minus my payments {$350.00} .leaves me owing home depot card {$200.00}. 
I get my XXXX statement in XXXX of {$1200.00}. 
I had lost my card in XXXX so they issued a new one and put a balance transfer from account XXXX of {$700.00} then charged me again {$550.00} on account XXXX for my purchase in back in XXXX. What happened to all my refunds and payments which i will upload i have every single one. But i had to keep on paying this to avoid collections. I over paid by XXXX because they ignored both billing disputes I made 6 months ago and they are still charging me. What happened to they have to fix the dispute or at least investigate within 2 billing cycles or be fined? Its been 11 billing cycles 4 disputes and i havent got any response personally from them. They now owe me a lot of money since i now can proove it. People save every reciept and payment you make or they will just keep up this scam or whatever you want to call it ignoring a consumer and just keep billing and billing. Its insane how much work and time i have put into this and still no results just bill me.