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

XXXX XXXX and Equifax are knowingly and deliberately allowing XXXX XXXX XXXX  to report false information. This is illegal yet they continue to allow it. XXXX XXXX has told numerous different accounts of the same debt and they are unreliable. First they told XXXX  that in XXXX of XXXX my balance was {$350.00} ( See XXXX  XXXX ). Then they told XXXX  as of XX/XX/XXXX I had missed no Payments. ( See XXXX  1 ). Then they told Equifax as of XXXX the XXXX my balance was {$440.00} and I only made one payment and the original balance was {$480.00}. If the original balance was XXXX and I made no payments as they told Equifax then how was my balance {$350.00} in XX/XX/XXXX as they told XXXX? Then they told Equifax that as of XXXX I had made no payments. ( See payment sheet and account details Equifax XXXX ) Then they told Equifax that as of XX/XX/XXXX my balance was {$440.00} and I still had made no payments. ( see Equifax XXXX ) Then they told XXXX  that in XX/XX/XXXX my balance was {$350.00} and I had made a recent {$90.00} payment. ( see XXXX  1 ) Then they told XXXX  that as of XX/XX/XXXX my balance was {$440.00} ( see XXXX  2 ) yet they told XXXX  as of XX/XX/XXXX my balance was {$350.00} and I had made a recent payment. Then they told XXXX  as of XX/XX/XXXX my balance was {$350.00} but I had made no payments at all on the debt. If the original balance was {$480.00}. and I made no payments how the balance come down to {$350.00}? ( See XXXX  Current ) Then they told XXXX  that as of XX/XX/XXXX My balance was {$350.00} and I had made no payments at all ( See XXXX  4 ), They have told so many different versions nothing they say should be deemed as credible. XXXX, Equifax and XXXX  knows this information. I supplied XXXX, Equifax and XXXX  with copies of all the attached documents a few weeks ago. They told Equifax as of XX/XX/XXXX my balance was {$440.00} yet they told XXXX  that on as of XX/XX/XXXX my balance was XXXX. Which was it {$350.00} or {$440.00}. It could not have been both. Then they told Equifax that I made no payments at all. This was after saying I made on {$40.00} Payment. ( See Attg2 Equifax ). Which version of this debt is correct. It s obvious XXXX XXXX is unreliable and should nit be allowed to have their trade line on my credit report/
Complaint sub-issue: Account status

I have disputed a collection on my report from XXXX XXXX XXXX XXXX who claims they are collecting on behalf of XXXX. Account number that shows is XXXX. Equifax refuses to remove this incorrect collection from my report. I am including proof I do not owe money for this. As you can see I have a {$0.00} balance with XXXX because student loans paid for this.
Complaint sub-issue: Public record

my bankruptcy was closed and filed XXXX2006 and has been removed from all other credit bureaus expect equifax who is reporting it as active I would like to have it removed from that credit bureau as well
Complaint sub-issue: Information belongs to someone else

My rights have been violated under the FCRA by equifax. 
Equifax is refusing to follow guidelines for handling my disputes fraud use on my consumer file. 
I first contacted XXXX XXXX when I received inquiry on my credit file XX/XX/2021. 
XXXX XXXX immediately closed account after confirming as fraud. 
I began first dispute with equifax instead of verifying and removing fraud account equifax kept info on my credit file as accurate. 
I did second dispute with equifax with letter from XXXX XXXXXXXX as fraud, equifax continued to allow fraud to remain on credit file as accurate.
Complaint sub-issue: Their investigation did not fix an error on your report

Upon checking my Equifax credit report, a private student loan through XXXX XXXX XXXX was taken out on my behalf back in XXXX of XXXX. This account has been paid and closed over 5 years ago yet it is still showing as a derogatory account while XXXX shows it as current and due to be removed XX/XX/XXXX. Ive tried disputing this account with Equifax on multiple occasions both electronically and in writing due to inaccurate reporting and statue of limitations, and nothing has been updated. This account should be removed IMMEDIATELY.
Complaint sub-issue: Investigation took more than 30 days

I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.
Complaint sub-issue: Didn't receive services that were advertised

On XX/XX/XXXX I submitted a complaint ( number assigned XXXX ) in refgards to unauthorized credit inquiry. I received an email from Equifax on XX/XX/XXXX stating the dispute response was available and it could be read by entering an assigned number ( XXXX ) along with other personal information. After following the email instructions a message came back stating no information was found! Is this a Equifax scam? I am concerned where my personal information went and is it safe?
Complaint sub-issue: Account terms

Late payments are still reporting on all XXXX credit bureaus. These should be reporting as late being my accounts were in deferment. I have contacted FedLoan multiple times, and also the credit bureaus, this needs to be updated as it is reporting very negative on my credit.
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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  SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Complaint sub-issue: Received unsolicited financial product or insurance offers after opting out

I use credit karma to monitor my credit. I know that XXXX of their partners is XXXX XXXX. I see the ads all the time when Im checking my credit score/report. Today I received a credit score disclosure from XXXX XXXX in my email. I didnt no apply for any of their products. I didnt not authorize Credit Karma to share my info and Im concerned that a loan was applied for with my personal information. I do not have a new inquiry on my report, but I have no way to contact either company to verify that no loan was taken out in my name.
Complaint sub-issue: Banking errors

I used a promotion for US Bank and opened a business checking account using promotion code. As per the promotion - I was suppose to get {$300.00}. I fulfilled all the terms and conditions. But no {$300.00} cash back was provided even after the terms and conditions fulfilled. I called US Bank today and after being on the phone for XXXX minutes ... I was told some research/investigation needs to be done and then may be cash back bonus will be provided.
Complaint sub-issue: Information belongs to someone else

I recently filed a report with XXXX XXXX  and Equifax of inaccurate items being reported on my credit reports. NONE OF THE THREE BUREAUS REMOVED THE INACCURACIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of the debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being reported on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipts otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by The Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Dt ran my credit and I had gave them permission however I didnt give them permission to run hard credit checks with multiple banks
Complaint sub-issue: Problem with paying off the loan

I have a horse trailer loan with Bank of the West. I have been trying to change my address with then for 3 years. It is impossible to speak to an agent. I sat on hold yesterday for 3 hours.

The hold message mentioned that I could do a change of address on line. I went through the process to set up an online account only to find out that my loan does not qualify.

I continued to hold for 3 hours. 

I am trying to sell my trailer but I need to get the address changed so that the lien release comes to me and not to my old address. 

I am concerned that the payoff won't be handles properly since the change of address is so difficult for them.
Complaint sub-issue: Information belongs to someone else

I, XXXX XXXX did not consent to, authorize nor benefit from any of the following inquiries and accounts. Block and remove them. There was no consent, nor did anyone give permissible purpose for the accounts and inquiries listed below pursuant to XXXX5 USC 1681b ( a ) ( 2 ). The following accounts and inquiries were placed on my credit report unlawfully and without my consent Consumer reporting agencies have grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ), Fair Credit Reporting Act. 

INQUIRIES 1. XXXX XXXX XXXX 2. XXXX XXXX- XXXX 3. XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX- XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX 8XXXX XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX- XXXX 10. XXXX XXXX XXXX XXXX 11. XXXX XXXX XXXXXXXX XXXX 12. XXXX XXXX XXXX- XXXX 13. XXXX XXXX XXXX XXXX 14. XXXX XXXX XXXX XXXX 15. XXXX XXXX XXXX 16. XXXX XXXX 17. XXXX XXXX 18. XXXX XXXX 19. XXXX XXXX XXXX XXXX XXXX 20. XXXX XXXX XXXX 21. XXXX XXXX 22. XXXX XXXX 23. XXXX XXXX 24. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

Equifax and XXXX should not be reporting that I am ( 120 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see page attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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. 

The following Accounts : Loan Account Holder : XXXX XXXX XXXX XXXX Monthly Payment : {$670.00} Loan Account number : XXXX
Complaint sub-issue: Can't decrease my monthly payments

To whom it may concern, I called Sallie Mae to proactively figure out a rate reduction plan that would help me pay less per month with a lower interest rate due to increasing living expenses. I have good credit and I have been making my payments -- I 'm actually ahead right now because I started paying large sums per month before my loans went into repayment. My Sallie Mae loans will soon require I pay a hefty {$350.00} per month ; this is on top of my other Federal loans and living expenses. My Sallie Mae loans are for less than my federal loans, but I pay more for them per month. 

The Sallie Mae representative told me that the only way I could potentially work out a rate reduction or refinancing plan with them is if I am currently under hardship. I explained that I am not, necessarily, under hardship -- though I do n't know what qualifies as " hardship '' -- but that I will soon be due to changes in my living situation. I will not be able to afford a {$350.00} to Sallie Mae and also pay for rent, utilities, insurance, etc ... 

The Sallie Mae representative seemed to sympathize with me, but she also seemed bound to an unspoken rule that disallowed her from helping a borrower who was looking to proactively take steps in order to not become delinquent on their loans. 

I need to figure out a refinancing or rate reduction plan with Sallie Mae before I suffer from delinquency, which could happen as soon as XXXX months from now when I move and settle in a different area. 

I 'm filing this complaint because Sallie Mae is not willing to work proactively with me as a borrower to stop delinquency, forbearance, or bankruptcy from happening.
Complaint sub-issue: Information belongs to someone else

Hello I am asking you all to help XXXX with these accounts on my credit that are not mine. This is my second time reaching regarding this. Now some of the accounts did come off but there is still 2 accounts on there XXXX/XXXX and XXXX XXXX  XXXX . There are also several inquiries on there that I know nothing about 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 XXXX , US SM BUS ADMIN ODA, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX. I'm also confused also on why there is a bankruptcy on my credit. I called the XXXX XXXX XXXX XXXX XXXX Court and they said they was not able to locate a bankruptcy with my social. They also stated that there is not way it should be on my credit because there is not one. She told be to call some place called XXXX XXXX and they also said the same thing that they were not able to locate a bankuptcy with my social security number.
Complaint sub-issue: Fee problem

This involves my PNC Bank checking account. I do not have any form of overdraft protection with my PNC account. They are supposed to decline charges. However, on XX/XX/21, I was charged two {XXXX} overdraft fees ( {XXXX} ) for two charges totaling less than {XXXX}. In addition : there was a pending deposit on the account sent the previous day around XXXX, which would and should have prevented the overdrafts. In addition to that, I am signed up for account alerts, including overdrafts, on my account. PNC did not notify me of any overdrafts until AFTER the fees had been charged. 

The first point makes it illegal to do what PNC did. The second two illustrate how this bank is unethical and not acting in good faith towards its customers, instead trying to milk fees out of them even if it involves shady business practices.
Complaint sub-issue: Investigation took more than 30 days

On XXXX XXXX, I sent Equifax a letter disputing an account ( XXXX XXXX ) listed on my report with Equifax , I believe to be inaccurate. Based on my certified mailing tracking record number XXXX they received the letter on XX/XX/2020. It is now XX/XX/2020 and I have received no response at all. By not replying in a timely manner to my initial letter Equifax has not only violated federal law ( FCRA ), but has also failed to provide me with a copy of any viable evidence showing the account is being reported accurately.
Complaint sub-issue: Information belongs to someone else

I'M HAVING SERIOUS PROBLEMS WITH THE CREDIT BUREAUS NOT PROCESSING MY DISPUTES FOR ACCOUNTS RELATED TO MY IDENTITY THEFT CASE.
Complaint sub-issue: Information is missing that should be on the report

Equifax, overnight, has removed EVERY account from my credit report with them. I now have zero accounts of any kind showing on my Equifax credit report. They removed 25 accounts of all types ( revolving, mortgage, loans, etc. ). I have called them multiple times to try and fix this and they keep coming up with excuses as to why it is my fault. None of the other credit reporting companies have done this. My credit score went from XXXX to XXXX overnight with Equifax and they show me having zero credit.
Complaint sub-issue: Account status incorrect

Credit bureaus are reporting late payments on my credit report that are incorrect, all 3 credit bureaus are non cooperative in getting the proper information and have not showed me any proper investigation and or reports from the creditor showing that my payment was late, I have an outstanding credit history and to to improper reporting from this creditor and the 3 credit bureaus, I am suffering financial harm which is due to the negligence of the 3 credit bureaus towards my credit score.
Complaint sub-issue: Can't stop withdrawals from your account

On XX/XX/18 i placed an order with the company XXXX with order # XXXX in the amount of {$640.00} I never received the items. I contacted XXXX and attempted to contact the merchant but found it very difficult to speak with a human. After several unsuccessful attempts I contacted my bank PNC and told them I wanted to dispute this charge. They gave me a provisional credit of the funds. I NEVER received a document in the mail asking for more information or telling me that they were going to collect the provisional credit back because my investigation didn't have enough information. Almost 90 days later, I contacted bank when I saw funds were missing they said I could re-dispute charge again. I did and went to bank to fill out form and was not permitted provisional credit this time. My claim was denied again within the week. For the length of time that has been passed since being originally charged. This is unfair and unjust. I was told I was allowed to dispute charge up to three times. So I attempted one last time and claim was denied for same reason. Too much time has passed. I was told to contact merchant so I did and an investigation was held I was told I could receive a possible store credit. At this point, I really wanted my money back but would be satisfied with something. All I was granted was a {$50.00} gift card.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

My account was debited {$400.00} on XX/XX/2020, by the card company. The reason for the debit was " XXXX XXXX XXXX XXXX '' I called on XX/XX/2020 to dispute the debit. It is now XX/XX/2020. I have wasted 10 hours in phone calls, talked to dozens of people, I have been lied to, had calls disconnected after waiting 56 minutes, and no one has done anything that I have been told would be done. It states in writing about Error reporting and resolution Procedures on the back of my statement. If it takes longer for the investigation to complete they WILL put the funds back on my account so that they would be available for me to use. That is to happen within 10 business days. I have yet to have the funds returned to me. When I call in the story changes and I am told I still  need to wait. I feel as if I have been ripped off. I do not understand how anyone can tell me about an investigation when it was reliacard who took the funds in the first place. I was told it was because they thought I had received credit for a dispute. I had never called to dispute anything until the XX/XX/2020 the debit was done 0n XX/XX/2020. That is when I had enough and decided to report the why reliacard does business. I do not believe that they can be trusted. If I had not caught this mistake I would of never been notified about it. So I wonder where all that money goes. I will escalate this to the local TV news station so I can let as many people know to watch their statements from Reliacard. By the way, after accounting STAFF balanced my account, it was found that the balance on my account is off by XXXX  dollar. If you take that time how many accounts are handeled by reliacard someone is making alot of unreported income. XXXX XXXX
Complaint sub-issue: Information belongs to someone else

XXXX XXXX Account Number XXXX Account Type Unknown Terms Revolving Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details Charge-off Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - Credit Limit {$300.00} Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX - Company Sold-to - Original Amount - Comments This account is not mine, it was removed from my report and then added again. As a result my credit keeps decreasing.
Complaint sub-issue: Information belongs to someone else

I was laid off of work about two months ago so I applied for a small loan with XXXX and unfortunately I was not approved because there are several accounts reflecting badly on my credit report. I wasn't aware that these accounts were on my credit history before today XX/XX/20 because none of those accounts are mine. I didn't open any of those accounts nor do I have any written/verbal contract with any of those companies. I did not benefit anything at all from these accounts that were opened in my name without my permission and I did not contribute to any purchases or payments made towards these accounts. I don't know who could have got a hold of my personal information to open these accounts in my name without my permission but I already filed a police report in hopes of getting this resolved.
Complaint sub-issue: Their investigation did not fix an error on your report

After submitting information that needs investigating I found that my credit scores are significantly lower, and because of one of the same accounts that I'm having a problem with. Every credit agency now has me in the low 600s. I was heading toward the mid 600s ... this is really discouraging!!! I definitely need this to stop and my scores to show back above the 630s. Thank you all in advance for your help with this issue.