Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account information incorrect

I took out an auto loan that was originally with XXXX compass 7 years ago. This was an auto-draft directly from my bank account the entire loan. My loan was then taken over by PNC Bank as the company took over XXXX. 

On the final loan payment PNC Bank decided to remove my auto-draft and did not contact me regarding this at all. They then reported my last loan payment as a missed payment on my credit report. I called their support and after it took them awhile to research, they told me the auto draft was stopped by PNC Bank because the last payment must be paid manually. They never tried informing me of this matter once. I paid it immediately over the phone on XXXX XXXX 2022, the same day I got notification on my credit report. 

I have never missed any payments on any line of credit in my life and this caused my credit score to drop from the 800 's to the 720 's. I am extremely unhappy with their service and makes no sense why they would believe that I would just not pay my last payment on the loan with 7 years of payment history.
Complaint sub-issue: Seized or attempted to seize your property

My husband and I struggled to make payments to the apartment due to Covid-19 job loss and XXXX. We let the apartments know immediately but we were constantly being harassed and threatened despite having several Covid-19 moratoriums we properly submitted to the leasing office they would threaten to evict us and constantly call all day begging for any kind of payment when we were told they should not be given not one penny because they were being paid off by XXXX XXXX XXXX and were paid thousands of dollars for several months of rent. Despite being paid off they proceeded to harass us and send our account to evictions. We had an attorney through the assistance program whom was able to prove all monies were paid prior to being sent to evictions and we were cleared. After this they continued to make threatening calls and harass us for money and unlawfully went into our apartments and falsely said we had abandoned our apartment and threw away our clothes and several items we had in the apartment like kitchenware and other goods. Even though we still had the Covid-19 moratorium they locked us out of our apartments and sent us to collections. This company has been paid off by XXXX XXXX and had no right to enter our residence while we were gone and take our things and lock us out.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act convergent XXXX XXXX XXXX  account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A section XXXX : it also states a consumer reporting agency can not furnish a account with out my written instructions.
Complaint sub-issue: Used obscene, profane, or other abusive language

XX/XX/2018 XXXX hrs - This person called me and was looking for my father. They would not identify what company they were from nor would they state the nature of the call. I assumed they were debt collectors. 

She then rudely hung up on me once I explained I wasn't my father. I called back to tell them that I was reporting this call and that I was recording this call. 

I have never seen or heard of any debt collector behaving in this manner. I am on the do not call registry.
Complaint sub-issue: Right to dispute notice not received

I was never contacted by mail or telephone from this collection agency and they have no right to put something on my report causing my score to drop. I have sent 2 certified letters to validate date and received a return receipt from both stating that they were received the validation letters. However, I have not received anything else from them and they still continue to report a negative account/collection or my credit report. This is prohibiting me from obtaining credit as well as well take the necessary steps to obtain secure stable housing for me and my children.
Complaint sub-issue: Debt is not yours

I did not own this debt, I dispute it before and it was remove from my account, and it reappear in my account again, I have ask for validation of the debt they refuse to valid account. Now they place it on my credit bureau coursing my credit to drop.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX I submitted letters to regarding inaccurate and unknown things on my credit report. To this day over 60 days later I haven't received a response yet. I feel like I'm being ignored and my disputes are being ignored. Section 611 ( a ) it states that a failure to investigate these items within 30 days gives reason to immediately remove these items from my credit report it has been over 60 days so the should be deleted promptly. I demand these items be deleted immediately or I will file for litigation for the XXXX and XXXX  this is causing me. My information was also impacted by the Equifax data breach and may have gotten in the hands of the wrong person.
Complaint sub-issue: Frequent or repeated calls

I submitted a complaint already and they continue to call. This is an annoyance. We are seeking a Chapter XXXX bankruptcy and this company was told to leave us alone last year.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: No notice of investigation status/result

The XXXX account still remains on my credit report without being properly verified. This account does not belong to me. I contacted XXXX to validate the account to send me a signed credit application and they could not produce XXXX. Equifax did not verify this information pursuant to the FCRA. If this XXXX account does not get removed asap and continues to appear on my credit report, I shall find it necessary to sue you for defamation damages and declaratory relief. 

Under the FCRA, a creditor has the responsibility to investigate and verify the information reported to the credit bureaus, and consumers have the right to sue if their request for verification is not complied with. 

I look forward to a speedy resolution of this issue. This is my last attempt for I will sue Equifax just like The case, " The Equifax class action lawsuit was originally filed in 2010 by plaintiff XXXX XXXX XXXX ''. XXXX claimed that Equifax violated the FCRA by the company 's allegedly erroneous reporting
Complaint sub-issue: Information belongs to someone else

Equifax has XXXX XXXX XXXX on my credit report again even though I have never had an account with XXXX XXXX XXXX. I have contacted that bank and they have verified that no such account has ever existed. They do not know how to remove the info so they just tell me to dispute it but equifax has decided to replace it back on my credit report even though it is NOT mine. I had one secured account with XXXX XXXX and that is all. Also my name is not " XXXX ''. It is listed in the aliases. I do not and have not ever spelled my name that way. Anything associated with it is fraud. I know how to spell my own last name, I've was born with my last name and " XXXX '' is not it. Also, XXXX XXXX does not reflect the correct balance the balance has not been correct since they acquired the account and even though I have sent payment with the balance incorrect, they have been casing the payments and not posted one payment that I have made. Someone should to investigate and find out what they are doing with my payments and correct the balance to reflect what it was when it was with XXXX before they acquired the account from. XXXX and find out why the balance skyrocketed.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has 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. The erroneous account listed below is still reporting on my Credit Report : XXXX - XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/2014 2014
Complaint sub-issue: Attempted to collect wrong amount

Hello and Happy New Year! I received a review on my credit report when I took out a loan for my son. It's showing that XX/XX/XXXX they have this account, and this account was written off by XXXX and I received a letter stating it was written off XX/XX/XXXX so why is this reporting that the account was in collection as of XX/XX/XXXX. They re-aged the account incorrectly on my report. Also on my credit report they have the account number as XXXX and I don't have any record of this account number. I would like the open date fixed to the correct date or they need to remove this false information from my report with their company since I have no record of doing any business with them Also, on XX/XX/XXXX I spoke with XXXX, and they were sending me a 1099C form removing the balance owed so how is this account now with a different company
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft & I never authorized any of these accounts. These accounts hurting my credit score and I being victimized by the bureaus.
Complaint sub-issue: Can't get other flexible options for repaying your loan

Original loan amt : $ XXXX/Institution : XXXX It is my understanding that XXXX got out of the student loan business and sold the portfolio to XXXX XXXX  in XXXX NE . 

XXXX Acct # : XXXX Over the last couple of months I have written and called XXXX to find out how I can pay off this loan in a lump sum for a lesser amount. I asked this because we have already paid in the neighborhood of {$3800.00} and the balance due is still {$11000.00}. They will only accept payment in the full amount. I'm not a finance wizard but doesn't that calculate to at least 40 % interest when all is said and done? 

I'm retiring next year and trying to get on top of debt while I can and while my brother has offered to help me. My son is the borrower and I am the co-signer. The job market for my son has not been inconsistent so I'm helping. 

Is XXXX 's methodology reasonable and legal?
Complaint sub-issue: Old information reappears or never goes away

This account was originally deleted from my credit report inXX/XX/2018. This collection account reappeared a few months later. This account needs to be deleted off permanently.
Complaint sub-issue: Money was taken from your account on the wrong day or for the wrong amount

I had a Citibank credit card and was lured in to open a savings and checking account with an incentive of a higher interest rate. It said I only needed to deposit {$500.00} in each to get the offer. I did that and after a month, they charged me a {$30.00} fee because the {$500.00} was considered a " low balance. '' I contacted the company and immediately canceled my checking, savings and credit card accounts. I verified at the end of the conversation that all three accounts were closed and they said yes ( I have screenshots to prove. ) Then they kept the checking account open anyway, and charged me a {$30.00} low balance fee, and then tacked on another {$30.00} overdraft fee for the low balance fee. The account is closed. It was verified. Then I contacted the company and they said oops, the account is still open, but there's nothing we can do. They said I could spend the day on the phone with their call center to try to sort it out but they were unwilling to reverse the fees or make sure the account was closed, as they said it was. They plan to charge me ridiculous fees in perpetuity. Absolutely predatory behavior and the company should be sanctioned.
Complaint sub-issue: Didn't receive enough information to verify debt

I got a cancellation notice from sears in XX/XX/XXXX I would call the company and never get through and no one would come to fix anything so I discontinued my warranty today I got a bill for the amount of {$300.00} never knew anything about owing this company a dime until they filed bankruptcy they never came to fix anything and would refuse to answer the phone. The last time they came to fix anything they advised I did not owe anything and it was a mistake on their part for having me wait 3 months for paying for the service and no one coming to fix my house.
Complaint sub-issue: Information belongs to someone else

Equifax REFUSES to remove fraudulent and unauthorized inquiries. This is against FCRA rules and regulations. False and inaccurate information MUST be removed from a persons credit file. Ive disputed several FRAUDULENT inquiries and only get a reply of inquiries are a factual record, ok, BUT NOT WHEN THEY ARE DONE FRAUDULENTLY!!!!! these inquiries NEED TO BE REMOVED IMMEDIATELY. Ive put in a new disk it e and expect these fraudulent inquiries to finally be removed. 

Dispute confirmation # XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The following companies placed unauthorized inquiries on my credit report. I submitted request to each of the credit bureaus to have them investigated, but they replied back advising that I should contact the companies directly. The phone numbers to each of these companies were listed on my credit report. I attempted to call each one of them and could not get through because I had to either have a credit card # or my social security # in order to get past the prompt. So, I am unable to reach them using the # s provided. 

I'm requesting that these unauthorized inquiries be investigated and removed from my credit report. 


XXXX/XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX   XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Equifax XXXX XXXX   XX/XX/XXXX Equifax XXXX XXXX XXXX  XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

The account in question in discussion is Citi Account # XXXX the issue at hand is a late in XX/XX/2020, Back in XX/XX/2020 I was sick with XXXX I tried calling to defer the payment and could not reach anybody at Citi. When I was well enough to work I did make the payment immediately.
Complaint sub-issue: Attempted to collect wrong amount

in 2007 I started a Dial up internet plan for my mother at her home. XXXX XXXX XXXX made this dialup service a Long distance number. Every time my mom went online she was charged exponentially because of the long distance number that was created for her service. Resulting in hundreds of dollars on her first bill. When I received the bill, Immediately called XXXX XXXX XXXX to find out the issue. Customer service said that it as because they accidentally made my mothers number a long distance number, but refused to change what I what I owed for the month 1/2 of service. I spoke with them many times and they would never lower it. This happened over 14 years ago. I believe XXXX XXXX XXXX sold this old debt to a collection company and now they are trying to collect it as new.
Complaint sub-issue: Information belongs to someone else

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNTS IN MY NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Company closed your account

Citibank closed my account without warning and will not send my funds for 30-60 days. I can't wait that long for my funds to be sent.
Complaint sub-issue: Report improperly shared by CRC

Equifax uses non-US phone rooms to gather data on people and is unable to tell me how I am to file criminal charges against one of their employees stealing my data when that employee is in XXXX or XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I ended up getting my XX/XX/2016 taxes compromised because they said my loans were in default status. The school closed and I was no longer responsible for the remaining debt on the account. Their has been an ongoing investigation for over a year and 2 months and my credit score is being effected because of it. US department of edu. is  showing a balance of {$3500.00}, and {$2100.00} when in fact I am not responsible for that. I would also like this and fed loan servicing taken off my credit report as those are both hurting my credit very badly.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax ha been unable to resolve a dispute against XXXX XXXX XXXX because their system only has 3 reasons to dispute and they go by codes and none of the codes fit the situation so they are unable to process for the reason that I tell them they just pick one and it does not apply so it does not work. They need add more options and be more flexible.
Complaint sub-issue: Didn't receive notice of right to dispute

I received an alert from all 3 credit bureaus informing me about a collection that was placed on my credit. 
The name of the collection company is IC system. I never received any letters or debt validation from this company. I know my rights and I understand my consumer rights to dispute any information that is in error or not mine. I tried contacting this company about validation of the debt they claim I owe them. I need this company to send all signed documents stating that I agreed to pay them {$460.00}. I also need original copies and agreements between myself and this company. I do not have any knowledge about this debt they claim I owe. I am a very responsible person and this collection that they sent to the 3 major credit bureaus is damaging to my credit. PLEASE NOTE I DID NOT HAVE ANY HISTORY OF LATE PAYMENTS OR COLLECTIONS UNTIL THIS COMPANY PUT THIS ERROR ON MY REPORT.
Complaint sub-issue: Their investigation did not fix an error on your report

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to fix and update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX ; account U S DEPT OF ED/XXXX XXXX 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 I have sent multiple letters and emails ; also called both companies and exampled to them that this account is not mine. By this account reporting false information on my credit report, it has caused lenders to refused applications ; which put my business in a financial deficit. Please assist me with this issue by removing is fraudulent account.
Complaint sub-issue: Banking errors

BB & T refuses to classify this account correctly. It is not a sep. It was disallowed by the IRS and {$26000.00} in taxes, interest and penalties have been paid.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions
Complaint sub-issue: Account status incorrect

This complaint refers to Account # XXXX opened XX/XX/2011 This account is now over 7 years old and should be removed from mt credit report in all 3 bureaus.
Complaint sub-issue: Problem during payment process

I have been a customer with First Progress now for about a year, and have been making on time payments. However for the following dates : XX/XX/2021, XX/XX/2021 I have received late payments and have been charged a late payment fee. The problem is that these late payments were due to the fact that I was having immense trouble actually paying my bill. 

The First Progress platform makes it extremely difficult to pay your bill offering only 3 options, online bill pay, call in, and mailing in an actual payment physically. However I tried calling in to make my payment by phone and was told that their system would not let me submit a payment and I would have to use bill pay, which my bank account does not offer. So this limitation in payment options led to not being able to find a way to pay my bill on time. I eventually found a solution and had to settle with a company named XXXX to submit the payments to First Progress for me which is a major inconvenience, as I dont think its fair that I have to carry around two late payments because the company did not offer me a way to pay my bill on time. If I were to mail in the payment it would have been too late as well. 

I would like to remain a customer, I just would like this issue acknowledged as my credit report is very important to me, and I pay my bills on time. The company itself I have no issues with. They are friendly and its a good credit card. I just wanted to bring awareness to the payment limitations as it has caused probably others to become late on their payments as well. 

Thank you