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

I have been filing complaints with XXXX for almost two and a half years now Ombudsman group mandated that they remove all payment history prior to XXXX XXXX XXXX to XXXX due to my bankruptcy Chapter XXXX they still have not remove payment histories from the accounting XXXX when I call two weeks ago they stated they see the ongoing problem but somebody has dropped the ball and that 's why it 's still not rectified they stated that they would contact me back within 7 days at which point the proper department will take care of this again and it still has not been done so payment histories from a closed account is still showing up negative on my credit bureau as well as the fact that they have it looking as if there 's five different student loans on my credit report when he won in XXXX was discharged and was requested to be removed and the ones from XXXX were Consolidated and they refused to fix this as well so it in case I have 5 student loans when I do n't
Complaint sub-issue: Public record

I disputed incorrect information on my credit reports with XXXX, XXXX and Equifax in XX/XX/XXXX. The information was incorrect and wrong. XXXX and XXXX did correct the the problem and responded with letters with in 30 days. Equifax after numerous times trying to contact them never responded or corrected the problem. This has made it impossible to obtain a mortgage because it has ruined my credit score. The only remedy I have now is to sue Equifax for compensation.
Complaint sub-issue: Information belongs to someone else

I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 

It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.
Complaint sub-issue: Account information incorrect

I disputed this account numerous of times with XXXX  and Equifax XXXX  did the proper investigating and removed it from my report. XXXX. XXXX  and equifax both are showing different amounts 2 I signed a 60 month contract not 70. XXXX did not advice me if the change on report like they are supposed to. 3 XXXX  is reporting that my XXXX payment has been made when it has not my payments are on the XXXX of each month today is XX/XX/XXXX 3 XXXX  is prolonging the law suit that they where involved in and XXXX agreed to fix consumers report and I provided all documentation backing everything
Complaint sub-issue: Account status incorrect

I have sent numerous written request certified to Equifax asking them to correct incorrect information on my file and they have ignored my request saying they can't verify it's me asking. Even when I have provided the necessary information. They select the information they want to update my file but never address or remove the erroneous or incorrect or positive information on my credit file. Recently according to a credit monitoring company XXXX, Equifax dropped my score by nearly 100 points and I can't get a copy of it free or otherwise to see why. I paid off an account with XXXX XXXX and opened another account immediately after and suddenly my score dropped. 
I tried to get a copy of the report on line several times including today but their systems keeps saying I already have an account but will not let me update or change the password. Can not open a new account called was on hold for 1 hour 20 minutes spoke to someone from one very far away with a bad connection very strong accent and was disconnect suddenly while trying to get a copy of the report.
Complaint sub-issue: Unexpected increase in interest rate

My concern is attached, as well as supporting documentation.
Complaint sub-issue: Transaction was not authorized

On XX/XX/XXXX, I was charged for {$29000.00} from XXXX XXXX XXXX. I called discover immediately because charge was only supposed to be {$20000.00}. They issued me a provisional credit of {$20000.00} when they investigated the issue. On XX/XX/XXXX, they reversed provisional credit. They provided me documents that were " support documents '' from XXXX. The support documents had my signature on a bill of lading which just list my detailed goods. This was the only document they had that had a signature. None of the documents had my signature on an authorization to charge card or authorize any payment amount. I called discover on XX/XX/XXXX and the representative didn't understand why it rejected either and escalated it to her " XXXX ''. I called again on XX/XX/XXXX and they said no one ever put another case in so they did it again at that time. I called on XX/XX/XXXX to check status and they had no explanation why they were accepting the fraudulent charge.
Complaint sub-issue: Trouble with how payments are handled

Nelnet, my loan servicer, has been actively preventing my payments from going through the way I want them to. I have had special standing instructions for my auto-debit to apply all extra funds to the loan with the highest interest rate, but this is the second time they 've been " misplaced '' after my payment goes through. I have no way of viewing these instructions or verifying that they 're being followed until way after I make my payment without calling Nelnet. Access to the proper information is buried way too deeply on the site. They keep using their own way of applying funds where they " catch up '' my lower interest loans to where my higher interest one is in my payment schedule, then I have to spend about 1-2 hours every single month correcting the problem with them. Their website does not show any of this information.
Complaint sub-issue: Account information incorrect

I called Equifax on XX/XX/2022 to ask them to remove inquiries from my account as they are not mine. I spoke to XXXX different people and was hung up on several times. I called and spoke to XXXX supervisors one stated that they would remove the inquiries and put me on hold and the line disconnected. I called back and spoke to XXXX another supervisor who told me I needed to call the creditor back and ask for documents on their letterhead saying they have no info. I asked XXXX was he aware that Equifax is not allowed to have my info without my consent per 15 USC 1681, he stated yes. I confirmed again he stated yes again.
Complaint sub-issue: Their investigation did not fix an error on your report

My credit report has an item listed that I have asked for verification and validation on multiple occasions. XXXX XXXX  ACCT # XXXX The response that I got from them and the CRA 's says verified as accurate. 
Under USC 1681 section 4 conducting a reinvestigation and USC 1681 section 5 a ... .and section 5 a i ... ..furnishers of information are to collect complete and full accuracy of information being reported or promptly delete the item.

Once again I am asking for a full accounting of how much they say I owe them and not 2 pages of a PARTIAL BILLING STATEMENT. This can not be considered a complete and full accounting to get a verified as accurate.

This unverified item has caused tremendous damage to my credit and credibility.
Complaint sub-issue: Account information incorrect

Account payment history is inaccurate and in violation of the FCRA because EQUIFAX is reporting account XXXX XXXX payment history reportsXX/XX/2019 90 days past due when transunion is reporting XX/XX/2019 current this is factual and is inaccurate and this account needs to be deleted from the report. the account status says 120 days past due but the reported balance says XXXX  as inaccurate and is in violation.
Complaint sub-issue: Account status incorrect

I am reaching out requesting the follow delinquencies reporting on my credit file be updated. I know the account is currently in a charged off status and settled for less then the balance during the time that the account went delinquent I was going through a difficult time with medical issues that started XX/XX/XXXX all the way up until the account charged off in XX/XX/XXXX. Being in and out of the hospital starting in XX/XX/XXXX all the way beyond XX/XX/XXXX has caused a hardship for me not being able to pay my bills due to medical issues that caused me not to work. I am requesting for the negative payment history to be updated during that time frame due to it being out of my control due to my sickness not being able to work.
Complaint sub-issue: Attempted to collect wrong amount

This is in reference to allegations put forth from sears Wednesday, XX/XX/XXXX XXXX XXXX 1. The date of last payment was made XX/XX/XXXX. which is past the statute of limitations for collection. 


2. I paid the full amount of XXXX on a purchase that was only XXXX. 


3. They didn't inform me that my payments where a dollar shy causing late payments of XXXX a month for two years.

4. Under this my payments never went down. Sears never sent notice that this was what was happening.

5. Contract broke by them not informing me to why my payments never decreased and always increased the amount owed.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX and XXXX XXXX account # XXXX have 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

The creditor XXXX not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. False and misleading information can't be treated and the creditor must remove late payments in the listed account. 
XXXX XXXX XXXX : {$260000.00}
Complaint sub-issue: Information belongs to someone else

I have contacted all three Credit Bureaus/Agencies XXXX XXXX  Equifax, XXXX XXXX and the Creditors ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Complaint sub-issue: Reporting company used your report improperly

There are accounts currently being furnished on my credit report without my written authorization or consent. 
Pursuant 15 USC 1681 ( a ) ( 4 ), I have a RIGHT TO PRIVACY as a consumer.

Pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ), I have the right to have these items EXCLUDED from my credit report as I was NEVER given an opportunity to direct that this information be excluded from my credit report.

Pursuant 15 USC 1681b ( a ) ( 2 ), A consumer reporting agency MUST have my WRITTEN consent to furnish an account using my personal identifying information.I never gave EQUIFAX WRITTEN CONSENT to furnish any of these accounts.

Federal LAW overrides any company policy. Therefore, I am enforcing my federally protected rights as a consumer to have the following accounts removed from my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

someone is using my personal information this Account does not belongs to me
Complaint sub-issue: Account information incorrect

Hi I recently went to get a credit report for all three credit reports and two or three of them have me with zero establish credit and being I never ever had my license I cant of had an auto loan like it says I do an auto mortgage a house mortgage in a repossession Ive never owned a house nor have I had a card nor my license and Im not deceased this is a really bad time to have a horrible mixup or a breach or something you guys did wrong I also never had a bank account get close on me I still have the same exact account and I paid the balance to keep that account everything is wrong and you guys are doing the worst please get back to me ASAP Im starting school my masters program in less than a week and I cant get a loan or anything because you guys messed everything up and its wrong and I need a loan for school and a card to build credit and you guys have me with things I never even had or done Please I have nobody or anyone my child though and I need credit everything is wrong and I need a school loan this isnt right I start in a week and all of it is terribly wrong I cant believe you people XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed the information being reported on my credit file with Equifax numerous times. The most recent dispute conformation number XXXX I have attached the documentation from the company saying that the account was not late as well as the payment history but they wont remove it. They updated the information to say it is pays as agree but will not correct the historical legend reporting. I recently submitted a new dispute the confirmation number is XXXX on XX/XX/18 I spoke with XXXX XXXX she gave me XXXX and told me to call back. 

They keep giving me the run around. I have disputed this too many times and have given them the information they need but it seems they won't remove it because they keep saying they can't remove it even though they have the documentation and the letter saying it is incorrect.
Complaint sub-issue: Was not notified of investigation status or results

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX Account XXXX : XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA.

These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Received bad information about my loan

My student loans were with Nelnet. I lost my job and requested a deferment. I got another job paying much less than what I was making, however, I know I still need to pay my responsibilities. I have been trying to get on the IBR income based consolidation repayment program. Nelnet just kept giving me the runaround. Then they made me think that I was speaking with them but was transferring me to a collection agency. I kept calling them. Now they tell me that they sold my loan to XXXX a collection agency. XXXX is not bonded to collect in my state. I have been a victim of identity theft in the past and it was hard overcoming that. Now my identity has been compromised and I am being denied my rights to be on the IBR PROGRAM due to their mishaps. Nelnet have a moral obligation to be honest and if they are selling my information, they need to know that it is with a legal entity. PLEASE HELP ME
Complaint sub-issue: Used obscene, profane, or other abusive language

Receive around 14 calls a day from them. Spoke with a gentleman named XXXX at extension XXXX he advised they had already sent out statements and proof of debt what more did I want. Just pay the debt. I have not received one thing from this collection agency, not even a letter showing they have a right to collect. XXXX was very rude and abusive towards me. I spoke with my son and advised him this debt did not belong to me. He helped me fill an identity theft report and I sent a letter to this collection agency today along with my FTC identity theft report.
Complaint sub-issue: Information belongs to someone else

I'm demanding that these accounts be removed from my credit files. The following accounts are not mines nor have I ever did any type of business with these companies. If the credit reporting agencies do not remove these unauthorized accounts then I may be forced to take suit, however hopefully it can be resolved here. 

1. XXXX {$1700.00} 2. XXXX XXXX {$780.00}
Complaint sub-issue: Overdrafts and overdraft fees

On XX/XX/20 a {$50.00} payment was scheduled on a recurring basis from my savings account and the balance was below {$50.00}, the following day I transferred the difference of {$47.00} which {$41.00} and {$8.00} was the actual balance, my history shows that every month I transfer the funds from accounts to cover charges due each month. 

TCF Bank charges fees to customers the next dat without giving customers any leverage to make a simple transfer the following day before they charge customers {$37.00} fee. I REFUSE TO PAY TCF A FEE!
Complaint sub-issue: Investigation took more than 30 days

I've contacted this company numerous of times over the past 5 months. I've stated to them as well as proven to them that they are reporting inaccuracies on my credit report. This is affecting my credit very poorly and stopping me from obtaining residence for my family. I gave this company more than enough time to correct this. Way past the legal time companies have to respond. And they just continue to violate my rights per FCRA.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. The below companies have fraudulent accounts on my credit profile that need to be removed immediately. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXXXXXX Bank Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have collections from ERC amount {$940.00} originally disputed ERC successfully taken off my XXXX  and XXXX  by the collection provider & they been sent info to have it removed from XXXX. XXXX  somehow has not take it off my credit report. Already disputed that it was not mines since i've never had XXXX. attached is the dispute letter that was sent.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX account number 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 customer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Contacted employer after asked not to

On XXXX XXXX, 2016 at approximately XXXX United Recovery Systems called my place of business asking for my husband. This is completely inappropriate. This is clearly not my debt and even if it were they have no right to call my place of business. They asked to speak to my husband and when my secretary said " do you mean XXXX XXXX '' the agent responded of that must be his wife. We will call back. Please do not allow these criminals to call back my place of business for a debt they think my husband owes them.
Complaint sub-issue: Company closed your account

Citibank Yanks {$1600.00} in Costco Rewards Points and Closes Visa Card Account Without Warning After years of paying my Citibank Costco Visa on time and in full EVERY month, Citibank closed my credit card account WITHOUT WARNING several days ago and took the {$1600.00} Costco rewards points my husband and I had accumulated over the past year by spending tens of thousands of dollars at Costco. They said they closed the account because the payment I made for the most recent bill failed to process due to insufficient funds. I explained to both Citibank AND Costco that I was in XXXX for work when I scheduled this payment, and that, due to Internet access  restrictions in XXXX, I was not able to view the bank account balance to confirm that the account contained sufficient funds to pay the bill in full. However, as soon as I returned to the US and received a notice about the failed payment, I paid the bill immediately, in full, from a different bank account. 

After trying to use the Visa card this past weekend and having transactions declined, I called Citibank customer service to find out what was going on. They said the account had been terminated, the {$1600.00} Costco rewards points were now no longer in existence, and there was nothing they could do since THEY closed the account. Citibank said they had sent me a letter explaining that the account would be cancelled. We never received any letter. When I asked them on the phone to tell me why the account was cancelled, they were unable to provide a reason. When I asked that they provide me with a copy of the letter, they said that was not possible. 

Citibanks only response was to say I am welcome to apply for a new account! ( a new account that would of course come with {$0.00} reward points ).

Right now, I am just really frustrated. I feel like someone has just stolen {$1600.00} out of my pocket and after I found the perpetrator, they wont do anything about it. Unless this issue is resolved and the reward points are returned to me, I will never do business with Citibank ever again.