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

My wife and I bought a home and had the mortgage threw XXXX XXXX. When I announced that I wanted a divorce she stopped making the house payments. This was in the fall of XXXX. As soon as I found out I put the house up for sale and it sold right away. Again this would have been the fall of XXXX. The problem is that XXXX continues to report this mortgage on my credit report with a payment history that shows current as of XX/XX/XXXX and comments that read as Foreclosure redeemed. It was never foreclosed on, not while it was under my name anyway. It was paid late as I said but its not reporting any late pays. I have gone to all three bureaus and XXXX XXXX directly multiple times and have been ignored every time.
Complaint sub-issue: Banking errors

On XX/XX/2017 i opened a CitiGold Savings account which i was promised IN WRITING a 1 % interest rate for 3 months and a {$500.00} cash bonus after 90 days ; the {$500.00} bonus can not be located according to CitiGold Customer Service! 

i called the : Citigold Realtionship Manager at my branch ( a XXXX XXXX @ # XXXX XXXX XXXX ) ; the branch manager , XXXX XXXX @ # XXXX XXXX XXXX is on vacation XXXX claims she put forth an investigation, twice, yielding the same answer : there is no record of any {$500.00} bonus!! 
Compounding matters and unbelievably, i was informed XXXX put in the investigation- request to my checking account ( and not my savings account ) erroneously (?? ) Please help me get the {$500.00} due to me ; i am also requestiong an additional {$2000.00} for my work time lost and my extreme stress dedicated to trying to fix the problem entirely created and continually perpetuated by Citibank thank you very much XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

Under 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) in GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I, XXXX XXXX never gave EQUIFAX any written consent to report anything on my consumer report, No consent is identity Theft.
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted information to Equifax several times regarding an inaccurate account on my credit profile. XXXX ( XXXX XXXX ). I have submitted request to validate on XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX. Per the FCRA 623 ( a ) ( 5 ) : " If the Credit Bureau can not VALIDATE the information from the ORIGINAL CREDITOR, they must remove the said information from the consumer credit file. '' I have made several attempts to Equifax regarding this matter and they respond by verified. I have asked for clarification on how its " VERIFIED '' and how it can be verified when this account is not mine, nor could they send me any clarification on whom, what department they spoke with reagrding this matter. Please help me get this resolved with Equifax.
Complaint sub-issue: Can't use card to make purchases

I have registered a complaint prior. I am going to every day until something resolves. This card is an obvious scam. It is easily verified online. My original complaint number is XXXX. Since filing a complaint my card has been turned off. It is tragic how people are being cheated by this company. From reading your site, it seems like it is your job to stop them. Look them up. The phone number is XXXX. 
They also have these phone numbers I found online : XXXX XXXX XXXX XXXX Here is the address they have listed : XXXX XXXX XXXX, XXXX, FL XXXX. 

They also have offices in Minnesota, XXXX, Florida, Michigan, and -- -heaven help us all -- -XXXX, DE the home of credit card scams. 

Can you please tell me to whom can I complain? I mean an official legislative body? As much as a sternly worded letter and 15 days for them to decide what to do might assuage my fears that this is money I will never see again, I am deeply concerned that this will not cause a change in their criminal practices. I am certain I am not the only one who has been stolen from by them. You just tell me who to register a criminal complaint with and I will do the work. Scamsters should not be allowed to cheat us.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being, i have the rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because according to 15 USC 1681 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts. 

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: Sued you without properly notifying you of lawsuit

I received a notice in the mail stating a judgement request had been filed in XXXX county superior court against me by Harris Law Group at XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX with contact number XXXX. The suit had originally been filed a year ago and I never received any type of notice as required by law nor any other forms from them related to this debt that it seems was purchased by a third party. The car number is XXXX XXXX the amount of XXXX. I also never received a notice of validation also required by law. I have attempted to handle this directly with the law group and they are uncooperative.
Complaint sub-issue: Didn't receive services that were advertised

I signed up for Equifax Total Premier service on XX/XX/2020. After completing the sign up I created an online account. However, I was unable to login to the created account. I received a message that said call customer service. I contacted the toll free number only to be told that Equifax was unable to unlock my account and that I needed to mail a letter with a copy of my license and Social security card. I mailed it in. This past weekend my card was charged the monthly fee. I called customer service to inquire why this happened only to be informed that my paperwork was never received. I was given an excuse and a fax number to send my information over again. I faxed them over and called customer service again only to be told again that my paperwork has not been received. I was put on hold and transferred 4 times for over an hour and 20 minutes only to get hung up on. I called back again and now can not get in contact with a supervisor
Complaint sub-issue: Their investigation did not fix an error on your report

2ND NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 EQUIFAX HAS INQUIRES ON MY CREDIT REPORT THAT ARE : MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THESE INQUIRES. I HAVE SUBMITTED A POLICE REPORT SEVERAL TIMES AND EQUIFAX HAS NOT OR REFUSED TO DELETE AND REMOVE THESE INQUIRES FROM MY CREDIT REPORT. I WAS NOT NOTIFIED THESE INQUIRES WAS OR WILL BE REPORTED TO MY CREDIT REPORT. INQUIRES NOT MINE : XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX  Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies Equifax Mortgage Ser   Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXXXXXX Inquiry from XXXX  XXXX, XXXX Services, Not Elsewhere XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Automoti Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New Equifax Mortgage Sol Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX  Inquiry from XX/XX/XXXX Telephone Companies XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX
Complaint sub-issue: Trouble with how payments are being handled

This complaint involves Nelnet At or about late XXXX or beginning of XX/XX/2022, Nelnet took over servicing of my student loan ( from XXXX ). 

I have opted to pay while in school, and this was never a problem with XXXX, which ALWAYS properly applied payments! 

After it was transferred to the new servicer ( Nelnet ) on XX/XX/XXXX, I made a {$100.00} Payment ( via Nelnet.com ), which was taken from my XXXX checking account ending in XXXX. The Nelnet confirmation number is XXXX, and this is supposed to be applied to Nelnet XXXX Account XXXX. 

On XX/XX/XXXX, the payment posted ONLY to my checking account ; however, it was NEVER credited to my Nelnet account. 

I placed two ( 2 ) phone calls to Nelnet the first being at or about XX/XX/XXXX, and the last call being XX/XX/XXXX. Both sourced from my ( XXXX ) XXXX number with the purpose to inquire about getting the payment credited. 

The first phone call promised a call back, which did not happen. Both prone calls promised resolution, which has not happened. 

Thus far Nelnet has taken my payment but NOT credited my loan. It has been 14 days, and I have made an effort to have Nelnet resolve this, and they failed. 

Attachments : Nelnet Payment.jpg ( Scanned payment printed Nelnet website after making payment ) Nelnet XXXX Screenshot.png ( Screenshot of my XXXX checking account showing payment taken out ) Nelnet Loan Details.png ( Screenshot from Nelnet website showing this student loan ) Nelnet Payment History not Showing.png ( Screenshot from Nelnet website showing no payment history despite me making a payment that was taken out )
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 this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance Owed : {$210.00}
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2020 I contacted Equifax via mail to dispute inaccurate accounts on my report. On XXXX XXXX, 2020 Equifax received my dispute via USPS certified mail tracking, and I have not received any dispute results or investigation into this error.
Complaint sub-issue: No notice of investigation status/result

For the past 15 months, I have noticed that EQUIFAX continues to report key factors that adversely affected credit scores. These key factors appear to be verbatim. EQUIFAX has yet to respond to these concerns. 
EQUIFAX stated that they have reviewed my concerns and concluded that I need to be specific with concerns by listing account names, numbers and nature of dispute. When a creditor sends a letter, they list the key factors that adversely affected their decision and the credit agency who reported these key factors. On XXXX XXXX, 2015, EQUIFAX reported credit scores of XXXX to XXXX XXXX Bank, XXXX to XXXX XXXX and XXXX XXXX, 2015 a credit score of XXXX was reported to XXXX. Why is there disparity in these score within the same day? I have become frustrated in the way EQUIFAX has been reporting my credit information. Why does companies continue to accept the credit agency information as gospel. Is there any way that the consumer can be a part of this decision making process? Why are these credit bureaus allowed to be a powerful influence and the consumer has no say so in whether he/she is approved or not approved. I conducted some research on my own and I found that some people feel that they are fighting a losing battle and the creditors are going to accept what the credit bureaus are providing, with no input from the consumer. Even if something is reported incorrectly, you will have to wait until the 60 days before issue is corrected. By that time the consumer could miss out of favorable credit rates. I have attached several letters that have been submitted to EQUIFAX in reference to key factors that continue to adversely affect my credit scores. The only responses received would be their investigations/reinvestigations, which does not address these key factors.
Complaint sub-issue: Their investigation did not fix an error on your report

A collection agency by the name of XXXX XXXX XXXX, inaccurately reported an account on my credit report. I have had no such business dealings with this company and am therefore asking Equifax and XXXX  to remove this inaccurate account information immediately due to identity theft. This has caused a hardship on my report and needs immediate investigative action.
Complaint sub-issue: Public record information inaccurate

l have wrote ( 3 times ) XXXX, Equifax, and XXXX about a bankruptcy that on 3 of my reports ( US Bankruptcy Court Docket # XXXX  ). I sent them a letter on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( I have the receipts to prove it ). They said they got their information from the courts or XXXX. I wrote the courts and they said they don't deal with the credit bureaus. And my XXXX report has a freeze on it, so they couldn't have done a reinvestigation. I sent them in the letters I received from the courts and XXXX and they still said it was verified. I requested to see any court documents bearing my signuture and, I have seen nothing. This has been almost 90 days. I sent them facts ( proof ) that they were not being 100 % truthful about their reinvestigation. And they could not show me any paperwork from the court making me liable for this information they were reporting about me. It's the courts job to report a bankruptcy, not the a third party vendor like XXXX. Which is a voilation of the FCRA. Plus, XXXX is verifing me by my last 4 Social Security # s. They can not do that either.
Complaint sub-issue: Problem during payment process

I executed a balance transfer on my Discover card # XXXX on XX/XX/2022. In error, the balance payoff was issued twice leaving me with a credit balance in excess of {$3000.00}. I contacted them and asked that it be returned to the checking account at XXXX XXXX ending in XXXX for which they had all the necessary routing and account information. I was told that it would not be a problem. I have called and talked to 4 different agents that said it was in process. I talked to a supervisor that explained that the process wasn't properly completed by the agents and that was the reason for the delay and the money would be transferred back and I should see it today XX/XX/2022. That has not happened. A second supervisor told me today that there is some disconnect between the credit card department and the electronic transfer section of the company and I might see the money by XX/XX/2022. I had the same double entry happen to my XXXX XXXX card balance transfer and they returned the money to my checking account within 2 days. I don't feel this treatment of my finances is either prudent, proficient or proper fiduciarily.
Complaint sub-issue: Investigation took more than 30 days

My credit score dropped more than 150 points for no apparent reason, giving me a score from good/excellent to poor. However, with the metrics that was showing, there were no delinquencies and all the factors that were considered high impact factors, I was doing well. 

The only negatives were the credit age, but that wouldn't or shouldn't justify a credit score drop, since when i had a good/excellent score, the credit age was properly reflected and there were no negative factors that could justify the drop. 

I've tried reaching out to the credit bureau and they couldn't explain to me on what is the reason. I was informed that the matter was being escalated. 

I then saw on the news that this has happened to Equifax ; that people were being affected by some glitch. 

There should be a way to dispute the credit score ; and the bureaus should be able to give tangible reasons ( not vague reasons ) as to why the score has dropped substantially.
Complaint sub-issue: Information belongs to someone else

UNAUTHORIZED INQUIRIES FCRA FTC VIOLATION 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX 5. XXXX
Complaint sub-issue: Information belongs to someone else

I got my credit ran today XX/XX/19 at the XXXX dealership because I am trying to but a new car but when they looked at my credit report they told me that I did not qualify to get a car loan due to having accounts in negative standing on my credit history. I looked over the accounts and right away I noticed that these accounts were not mine. I did not open any of these accounts and I have never allowed anyone to open an account on my behalf. I don't know why these accounts are on my credit or who opened them in my name but I have already filed a police report. I never got anything out of these accounts such as money, services or any other benefit nor did I participate in any purchases, payments or transactions in regards to any of those accounts
Complaint sub-issue: Their investigation did not fix an error on your report

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 3 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. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$340.00} XXXX XXXX Balance : {$3100.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, account # XXXX and XXXX XXXX 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: Was not notified of investigation status or results

Please be apprised that XXXX XXXX are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated my rights by : 1. Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) 2. Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) On XX/XX/2021, I sent by certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX, a request for your office to provide me with proof and evidence of the debt you alleged I owed. Not only have you ignored my prior requests for validation of debt but you continue to report an unverified and disputable debt to the credit bureau causing damage to my character. You failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Everyone is entitled to a validation. In my certified letter that I sent on XX/XX/XXXX I kindly asked for : 1. What the money you say I owe is for 2. Explain and show me how you calculated what you say I owe ; XXXX. Provide me with copies of any papers that show I agreed to pay what you say I owe ; 4. Provide a verification or copy of any judgment if applicable ; 5. Identify the original creditor ; 6. Prove the Statute of Limitations has not expired on this account ; 7. Show me that you are licensed to collect in my state ; and 8. Provide me with your license numbers and Registered Agent. You may wish to familiarize yourself with what is required when validating a debt. Your business had more than enough time to perform a proper investigation, the 30day mark has come and gone therefore this unverifiable account should be removed from my credit report. There is no question that you willfully violated my rights and that I could bring charges against you immediately. However, I am assuming this has been a terrible mistake on your part and that you will take appropriate steps to enlighten yourself and your staff of such dangerous actions. I will also be checking my credit report to see if you corrected the errors by simply removing this unverifiable account from my credit profile permanently from all XXXX bureaus. I must remind you again to not contact me in any way via phone or mail in reference to collecting If I receive anything other than absolute removal of the account from my report, I will assume you are harassing me, and I will take action against you for these continued violations and abuse. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore within the 30day period, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 

In this complaint accompanies proof of my validation and certified receipt
Complaint sub-issue: Attempted to collect wrong amount

Negative re aging of this debt to make it appear more recent then it is making it s violation of the FCA. My car was repo on XX/XX/XXXX sold at auction XX/XX/XXXX. This company XXXX XXXX has re aged this debt on my credit report to XX/XX/XXXX to make it appear more recent and that is illegal. They added 3 more years to it. I sent a dispute via credt karma XX/XX/XXXX but nothing came of it
Complaint sub-issue: Old information reappears or never goes away

On XX/XX/XXXX I Submit through the mail to XXXX  Equifax and XXXX XXXX Deletions to  credit report According to the provision of the fair credit reporting act 611 ( a ) 15 USC 1681j ( a ) to all three credit bureaus Failed to send me the names addresses and numbers of the people they contacted during the investigation to get these negative items removed they sent me updated reports but they are not accurate and they never sent me the information of who they contacted for the items that was not removed some items were removed and some items were not they never contacted me about who they contacted doing their investigation with the names, phone number, and address so that I could do my part to follow up on The investigation of why the items have not been removed thanks and god bless
Complaint sub-issue: Debt is not yours

Received a notification XX/XX/21 from the major 3 credit bureaus ( XXXX, XXXX & XXXX  ) that a debt was owed from collection agency XXXX XXXX. There's no contract with this collection agency that shows I owe a debt. Collection agency doesn't have the right to collect if there's no legal binding contract signed by me or any company I represent showing I owe XXXX XXXX. This collection agency XXXX XXXX also violated Section 623 of Fair Credit Reporting Act.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have a collection account reporting on my credit report that was discharged in a XXXX XXXXXXXX bankruptcy. Duplicating account information is a violation of the Fair Debt Collection Practices Act or the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX in co original creditor {$4200.00}
Complaint sub-issue: Didn't receive enough information to verify debt

on XXXX I sent out a letter to all 3 credit bureaus letting them know I was unaware of there collection. they are affecting my score and by law the bureaus have 30 day to respond back. I not got any response and do not believe that these collations belong to me.