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

I recently applied for an auto loan and wasn't able to get it. I have plenty of accounts that are fraudulent and inaccurate on my credit report. I wrote to Equifax, XXXX and XXXX. I made them aware of the fraud and inaccurate accounts I will attached the letters to the complaint. I haven't received a response as of yet this is a critical situation. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), 15 U.S. Code 1681c2 - Block of information resulting from identity theft 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The following personal information - J XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX NY, XXXXXXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX NY. XXXX XXXX XXXX XXXX XXXX XXXX NY. XXXX XXXX XXXX XX/XX/21 XXXX XXXX  XXXX XX/XX/21, XXXX XXXX XXXX XX/XX/21 XXXX XXXX XXXX XXXX XX/XX/21
Complaint sub-issue: Don't agree with fees charged

My ex-husband and I consolidated our student loans through the USDOE in XXXX. I divorced him in XXXX, and was told that the loans couldnot be separated -- ever. I filled for and was granted discharge in full for the total amount of all conslidated loans in XXXX XXXX through Nelnet/USDOE. The following month ( XXXX XXXX ) I began recieving bills for my ex-husband 's portion of the consolidated student loans. He is not paying the loans and Nelnet is reporting the loans as my delinquency to XXXX credit bureau services. They call almost weekly, and have even tried to get my c
Complaint sub-issue: Right to dispute notice not received

I 've never recieved a bill from this company at all. I did n't even know what it is for. So when I called to inquire about it the supervisor/owner ( XXXX XXXX ) offered me a {$10.00} addition fee on top of what what I already owe to get it deleted as well. Like he was doing me a favor. Under the FPCDA unfair practices, " ... they may not try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt - or your state law. '' I do n't know what kind of business they are running but I am not in compliant with this.
Complaint sub-issue: Problem with fees

In XX/XX/2021 while shopping in Macys, the cashier advised I was eligible to up grade my Macys citi bank card to a Macys XXXX  XXXX  card. I accepted and continued to shopping. I was told my previous card is no longer valid and I can not longer use that account and my balances would be transferred over to my new card. I continued to use my credit card and payments. In XXXX, I begin receiving letter advising my account is past due. I continued to received more letters and I also called the number in the letters, to be told each time my account is good standing and they can see my bill was paid. Then in early XXXX I received a collection bill. I not only called, I went to a Macys store. I also filed a dispute with the collection agency. Another week letter, I get an actually bill from Macys. I call again and they say my account is in good standing and to call back next MonthXXXX XXXX if I get another bill. This unacceptable. This could affect my credit. No one is taking me seriously as I have been trying to resolve this for XXXX  months! Valentines day, I received an email from Macys saying they are referring to a collection agency. I have called numerous times to get this resolved. I have been harassed by these letters and I also feel discriminated against. I would to have this resolved as soon as possible. I have also filed a complaint with the XXXX. I will continue to pursue until this gets resolved. I have provided the Citibank notices, collection notice, Macys statements, and bank statements show numerous payments. These last XXXX  month I have experience extreme frustration, XXXX, XXXX  and XXXX  trying to get this resolved to no avail. I have excellent credit and I do not want this to affect my credit. I pay all bills on time.
Complaint sub-issue: Trouble with how payments are being handled

I had 9 loans with XXXX XXXX that were serviced by XXXX XXXX for my XXXX  degree. I had 1 loan that was serviced by XXXX XXXX for my XXXX. The 9 loans have a first of the month due date and the 1 loan has a mid month due date. The 9 loans were transferred from XXXX to Nelnet in XX/XX/XXXX. The 1 loan was transferred to Nelnet in XX/XX/XXXX. Nelnet has now combined all 10 loans into one account with a first of the month due date. I have asked them to separate the loans back into two separate accounts so they can have separate due dates. They have refused to do this citing internal policy. I have contacted them twice to resolve this : XX/XX/XXXX and XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

I was checking my credit report and I saw that my credit score is low. Why you put this information on my account. I dont know anything about it! Im sure someone used my personal information and applied for this
Complaint sub-issue: Reporting company used your report improperly

Equifax stored secure personal information, including social security numbers, in a non-secure way. The information was hacked and top executives of the company, who were aware of this information hack, sold their own shares in the company in a form of insider trading. The hack was then hidden from consumers for over 3 months.
Complaint sub-issue: Account status

My accounts with :   XXXX   XXXX   XXXX   #  XXXX   XXXX   XXXX   XXXX    XXXX  #  XXXX   XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX  #  XXXX  were paid in full at  XXXX   XXXX  and are not a valid collections account, you will find the receipt of payment attached.     Please remove these erroneous accounts immediately.
Complaint sub-issue: Used obscene, profane, or other abusive language

I had identities fraud and froze my credit report and still received threatening calls.
Complaint sub-issue: Debt was paid

I received a collection no tice from Hunter-Warfield cl aiming that I owed {$700.00} principle and {$51.00} interest. The debt was supposedly being collected on behalf of  XXXX   XXXX   XXXX , the owner of an apartment I rented, the notice was dated  XXXX / XXXX / XXXX .   I moved out of the apartment in  XXXX   XXXX , the end of the lease, and the prope rty manager told me everything was fine and I did n't owe anything. A year later I received the collection notice. I called Hunter-Warfield and requested a copy of the contract, and validation of the debt, which they are required by law to provide, according to the Fair Debt Collection Practices Act ( 15USC1692 ).    On  XXXX / XXXX / XXXX   Hunter-Warfield adm itted over the phone that they do not have the contract or validation of the debt. They told me they would stop trying to collect, and would contact the credit bureaus to correct the situation. They said they are unable to provide a written statement that they have done so, and they also are unable to close my case, all they can to is stop trying to collect.   They claim that they are unable to cancel the collection. If they do n't have the contract or validation, they have to cancel the collection.   I am pretty sure that in 6 months to a year they will attempt to collect this debt again, that is why they wo n't provide a written statement or close the case. They were illegally trying to collect a debt that I never owed, and they certainly never had any evidence that I did, and they are keeping the case open so they can try to harass me again in the future.   I am certain their response will be " company believes the complaint is a result of a misunderstanding ''.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX XXXX XXXX account # XXXX. XX/XX/XXXX, XXXX XXXX XXXX Account # XXXX. XX/XX/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. 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions crimes which antedates the report by more than seven years. 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Information belongs to someone else

These accounts are likely fraud as I don not recognize them this information is wrong please remove from my report.
Complaint sub-issue: Investigation took more than 30 days

So, I initially disputed a Chapter  XXXX  Bankruptcy  XXXX / XXXX /   2017  through the CFPB I did received a response today 32 days later so this is not a problem. However, look at the response Equifax sent with regards to my initial complaint. Please reference CFPB Complaint #  XXXX  You guys " Closed the dispute '' on  XXXX / XXXX /   2017  with this reply from Equifax..  ( you s hould clearly see and know I am NOT  XXXX   XXXX  I am  XXXX   XXXX   XXXX   )  But you guys let them keep reporting this information.     Company 's Response Dear  XXXX   XXXX , we received the complaint you submitted through the Consumer Financial Protection Bureau Portal. Equifax has reviewed the complaint and its records. Bankruptcy case  XXXX  has been verified by the data furnisher as correctly reporting with your name, social security number and address. Written confirmation has been sent to you. Please all ow 7-10 busin ess days for delivery. If you have documents that release you from these obligations, please forward them to Equifax Disputes,  XXXX .  XXXX   XXXX   XXXX , GA  XXXX  or y ou may visit us at www.equifax.com. Please note that for future disputes of credit report information, you may visit www.equifax.com.
Complaint sub-issue: Fee problem

Key Bank Charged my account an overdraft fee of {$37.00} on XXXX XXXX, 2017 when my balance was {$2300.00}, after all items for that day had been processed. They refuse to refund the charge, or explain why they charged an overdraft when there were sufficient funds in the account. <P/>Account name : XXXX XXXX XXXX XXXX XXXX.
Complaint sub-issue: Debt was paid

A company call ed Vance Huffman licens e number  XXXX  called and attempted to collect on a credit card account from  2003  that was paid in full with the company   XXXX   XXXX   via a settlement. I asked for a debt validation letter and they proceeded to call family members leaving detailed messages about my supposed debt, which also is n't real. They have caused me embarrassment and have defamated my character. This is completely unacceptable.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX  Account name : XXXX XXXX XXXX XXXX  Account name XXXX XXXX XXXX, Account name XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Account information incorrect

XXXX XXXX will not respond back to issue on my account they source it out to XXXX XXXX XXXX XXXX. On XX/XX/18 they sent the account back to XXXX XXXX in a disputed status. XXXX XXXX   will no respond back not even to they hired to collect which is XXXX XXXX XXXX.

I have mailed US Certified mail with no response. I have called and get nothin g but the run around.

When I switch from XXXX XXXX they took 4 months to get the finale bill to to XXXX and had sent the account to collections before they settle with XXXX. I have letters going back that I mailed XXXX  with no response.

There was a lot of errors with XXXX on this account and as yet to be settle.
Complaint sub-issue: Report improperly shared by CRC

XXXX recent credit inquiries appear on my credit report with Equifax without my knowledge or authorization. XXXX and XXXX did not have any verbal or written authorization to check my credit.
Complaint sub-issue: Banking errors

I was attempting to make a cash deposit through the bb and t atm on XXXX XXXX  street in XXXX  AL onXX/XX/19, shortly before XXXX XXXX central time.  The bank was closed.  The first attempt totaled my deposit to be XXXX instead of the XXXX I put in the machine, so I cancelled my transaction.  All my money was returned and I verified it was in fact XXXX as I had previously counted.  I tried a second time to deposit the XXXX  and our spit out a XXXX, saying it could not read it,  leaving XXXX still in the machine.  The slot where the money is dispensed kept opening and closing but no further bills were returned. Eventually,  the screen showed a deposit amount of XXXX (instead of the XXXX  the machine still had-still off by XXXX), so I hit cancel transaction again. However,  this time no money was returned.  Then the screen came up asking if I wanted to quit or go home for another transaction.  It would not let me select either,  it was like it just froze up.  It asked for my pin number again and eventually gave my card back but no money.  I called the number on the machine and made a report but got no answers as to when or if my money will be credited to my account. They said they would investigate.  In the meantime,  I'm out XXXX dollars that their atm machine basically ate and gave me no credit for. I put three $XXXX, seven $XXXX, one $XXXX  and one $XXXX in the machine.  It returned one of the $XXXX because it was unable to read it,  but kept the remainder, without depositing into my account.
Complaint sub-issue: Threatened to sue you for very old debt

On XX/XX/XXXX, I received a call from my stepson. He had received a call from the following number XXXX. The caller told him they were trying to get a hold of me and that I had missed a " court date '' and that I was in trouble and that I was in contempt of court and was going to be arrested. 

I called the number and got routed to an individual who said he was with XXXX and XXXX and he was a paralegal. He asked me the number they called, I gave them my stepson 's number and then he asked me if my social security number ( which he proceeded to state ) was correct. I said yes that it was my social security number. He then proceeded to tell me that a process server called me and that they were going to garnish my wages, and put a lein on my property ( in which, he then proceeded to name off the address for my house ). 

I then asked him why and he said that it was for a " Citibank card from XXXX, '' then he " no from XXXX '' and then said, " from XXXX or XXXX. '' He then stated I owed over {$4000.00} and that they would settle for {$2100.00}. He asked me if I was aware of the debt. I told him no I wasn't aware of it. I then stated that the debt likely wasn't valid and regardless, the statute of limitations had run out. He then stated " there is no limitations, we are going to garnish your wages and going to put a lein on your house in XXXX XXXX, the County will be sending you that .... keep running... go ahead keep running. '' At that point I wasn't going to be harrassed any longer and just hung up the phone.
Complaint sub-issue: Reinserted previously deleted info

I noticed today ( Equifax ) that XXXX XXXX reported that I opened an account with them in XX/XX/XXXX and it has been charged off. They are deliberately reporting wrong information and not following the FTC reporting rules. 

I opened a XXXX XXXX account in XXXX or XXXX. I lost my job therefore I stopped making payments in XXXX. The first delinquency has been well over 11 years. Matter of fact, XXXX XXXX reported me to the credit bureau during the time of delinquency and after 7 years it was removed from my credit report accordingly. If this is the account being reported then they are in violation. However, if someone fraudulently opened an account under my social, I am requesting that this be removed immediately.
Complaint sub-issue: Debt is not yours

Received a letter about a court hearing. Call the leagel office listed to find out what it was about. 
They said I took out a loan in XXXXXXXX XXXX  XXXX with XXXX XXXX on line. 
My identity has been stolen after a breech of the 3 credit reporting agencies. 
I had credit cards taken out in my name, apparently this loan, several of my bank accounts were also hacked into along with my social security and my unemployment claim. 
I did NOT take this loan out. I was separated from my husband and the divorce was final XX/XX/XXXX. 
It may even be possible that he took out the loan in my name... I honestly don't know. 
I sold my house in XX/XX/XXXX to pay off my bills that I owed. 
I am at a loss as to what to do! 
I had been XXXX since the sale of my home... no money to my name... until XXXX XXXX XXXX when I was able to get a Section 8 housing voucher. 
I have nothing in my name and lost everything I had. XXXX XXXX Sheriff 's Department in XXXX investigated the identity theft and found that a ring in XXXX had stolen my identity. Nothing could be done about it. 
I checked with legal services and was advised not to file bankruptcy because I had nothing for anyone to come after me for payment of things that were not mine.
Complaint sub-issue: Debt is not yours

I lived at XXXX XXXX in XXXX, SC for 6 months while my home was being built. There was a tenant in there prior to me who needed to break their lease and so I came in and took over the lease. The apartment was cleaned but not checked thoroughly, such as carpets being lifted. to ensure damage was not done by prior tenants. I moved out of XXXX XXXX XXXX of 2019 and the apartment was immaculate. I received an email XX/XX/2019 stating that XXXX was taking my {$600.00} deposit and charging me an additional {$740.00} to replace the carpet in the apartment because of XXXX stains. On XX/XX/2019 I emailed them back letting them know I did not have a dog to cause the damages that they showed in the pictures and it was probably from the tenants prior to me. I even sent them pictures of where my table sat that even if I did have an animal, there is no way it could get in that area. They wrote back on XX/XX/2019 stating because I signed the condition of statement and marked all looked good, I am going to be the one who is going to pay for the replacement of the carpet. I called and try to explain that if I were given the option to lift the carpet up to look for stains I would have, but the stains were not visible on the surface, so yes I I marked that all was good. I was told that the carpet was never checked ( lifted up ) in between the old tenants moving out and me moving in. I have since gone back and forth with them for a year and and half. I also called XXXX XXXX, XXXX XXXX, which is their management company and left very detailed messages and never received a call back. When XXXX, XXXX XXXX, put this into collections, I put a dispute in with the collections company but to no avail. I am now selling my home and buying another. My credit is perfect without any marks. My loan officer called and asked what is this collections thing on my report. I almost started crying on the phone. Because of this, my credit which is around 815 is now XXXX  and my interest rate for my mortgage right now is going up because of this. I want to report this because I am being made to pay for something that is not my damage and they have not once listen to what I have had to say. This needs to get off my credit and not ruin what I have worked so hard for my entire life.
Complaint sub-issue: Information is not mine

I have been a victim of identity theft since 2014, my social security has been misused on several occasions which has been disputed for quite some time now, about 2 years, I filled a police report with City of XXXX XXXX and also I am employed with XXXX whom also issued a condolence letter offering support and free credit monitoring with all clear due to a breach with several employers social security number being misused, I have been a victim of fraud for several years and yet the disputed items that I have been disputing for several years which I refuse to pay because they are not my accounts remain on my report, I would like a response on this matter which has been affecting my credit report and score, I have just found out about this information which I am filing a report for immediate response, there are also several inquiries that have been disputed that does not belong to me and I never gave authorization to run my credit, this has affected my life tremendously and an investigation should be open immediately on this matter. If additional information is needed or proof of reports from the police department and homeland security please advise.. sincerely XXXX XXXX XXXX , supported documents uploaded
Complaint sub-issue: Their investigation did not fix an error on your report

I do not know these accounts. These are hard to understand why they are appearing in my credit file without any identification and has a lot of missing information. I demand an investigation as to who is using my name and my information and using it to get services that will turn out in collections in the future.
Complaint sub-issue: Problem with customer service

I contacted my servicer " Great Lakes '' during COVID-19 to determine when I needed to resubmit my IDR plan request. I also got an email from the company stating " Please send proof of your gross income by sending in one of the following : - W2 ( current year ) - Pay stubs ( indicate weekly, bi-weekly, monthly, etc. ) - Letter signed and dated from your employer and must include : - Gross income - Pay frequency ( weekly, bi-weekly, monthly, etc. ) - SSN and/or name '' I provided my W2. I then called 2 weeks later since I had not heard anything back and the representative said its finished and I just haven't received communication back yet but in her system I should be contacted soon. A few days later I received an email that the same thing as before. I was then told I need to give them my Tax returns. I did that and a week later now they want pay  stubs stating my spouses income information is " unavailable '' yet its on the tax return I submitted and they are asking for only my paystubs which make no sense. I have been working on this for over a month and my application is due soon and I keep getting a run around from the company. 
I can provide emails, etc if requested.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the XXXX Credit Bureaus on XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX