Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am a victim of identity theft and I have not authorized any hard inquiries on my credit profile for the companies Equifax Mortgage Services reported on XX/XX/2021, XXXX reported on XX/XX/2021 and XXXX reported on XX/XX/2021. I am requesting that the credit reporting agencies Equifax and XXXX removed these unauthorized fraudulent hard inquiries from my credit profile.
Complaint sub-issue: Keep getting calls about your loan

I obtained loans in XX/XX/XXXX while attending XXXX, Florida XXXX XXXX XXXX, Florida. 
My original loan was obtained through XXXX. The loan was paid in full in XX/XX/XXXX. I received documents from XXXX to support payoff. 
ECMC had purchased the loan at some point and started derogatory collection practices. They have garnished my wages in XXXX, obtained over XXXX before I could stop them. They have taken my tax returns as well. Yet, those payment do not reflect any where in their system. They have harassed all my former clients that I worked with, not to mention ruined my business reputation. They sold the account to numerous credit agencies, whom continued the 20 calls a day harassment. 

I had submitted the pay off paper work obtained from XXXX on 15 occasions and obtained a lawyer to deal with this harassment to no avail. 

They are yet again contacting me to garnish my wages. I have yet again submit a response with a request for a " Trial '' to refute owing them any money. ECMC just sent me a letter refusing my hearing request and demands information to garnish my wages. I am at a loss! I have had XXXX contact them directly to confirm payment and they are still relentless in their collection effort.
Complaint sub-issue: Information belongs to someone else

THE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL POLICE DEPARTMENTS TO MAKE A CRIMINAL COMPLAINT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Attempted to collect wrong amount

When I initially contacted ERC on the XXXX or XXXX of XXXX it was to negotiate a settlement for a debt owed to XXXX XXXX XXXX. I spoke with two agents ( XXXX XXXX and then XXXX XXXX ). XXXX was the supervisor because XXXX didnt want to my agreement amount. First, XXXX asked personal information about my job and income which I refused to provide. Second, he didnt follow my instructions on where to send the agreement letter. So I didnt receive it in a timely fashion. Luckily I was able to intercept the letter, but it was two days before the due date that HE set when I asked for it to be set to the XXXX. I then called back today on the XXXX to see if an extension could be filed or if the balance agreed of {$46.00} could be handled over the phone. They didnt accept my credit card type so nothing could be done. I asked the young lady ( XXXX XXXX ) if she could email a new letter with the settlement agreement of {$46.00}. The email doesnt even state that amount ; it has the original debt amount of {$92.00}. Im not trying to go back and forth when I called them to settle. Now sending the letter to the wrong address was underhanded and deceptive. I now have two days to get a payment to them.
Complaint sub-issue: Account status incorrect

This is a formal dispute and request to remove late payments from my credit report.The information is incorrect, untrue, and the laws pertaining to furnishers reporting late payments is quite clear.I have outlined it below : Section 623 ( A ) ( 7 ) requires a financial institution that regularly reports negative information to nationwide CRAs to provide one clear and conspicuous written notice of that practice to consumers, no later than 30 days after first reporting such information.My research has found this notice is typically found on monthly statements, however : 15 U.S.Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( 7 ) Negative Information ( E ) Use of notice without submitting negative information. No provision of this paragraph shall be construed as requiring a financial institution that has provided a customer with a notice described in subparagraph ( A ) to furnish negative information about the customer to a consumer reporting agency. 

Additionally, FTC Advisory opinion to XXXX ( XXXX ) states : Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information. A person who regularly and in the ordinary course of business furnishes infor- mation to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. 

As you can see the law and FTC opinion state that you, the furnisher, are Not legally bound to report any negative information. Please refrain from continuing to report the late payments on my credit reports. The account is current, and thus, you have a duty to correct and update the negative reporting of the late payments.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I signed up with XXXX  XXXX  and set my payments for the monthly XXXX on XXXX. On XX/XX/2021 I was notified that my credit score had dropped by 138 points!!!! This is a tragedy because after investigating, the payment was never taken and it should have been. Nothing changed on my end, the card on file is the same! The company does not have a phone number and I have no where to turn as I am attempting to purchase my first house. I need my points back and my payment history updated as this was NOT my mistake and ALL of XXXX!
Complaint sub-issue: Was not notified of investigation status or results

XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX  i opened dispute on XX/XX/XXXX. The disputes are as follow as i put them above. The reason for it is because he already open up a dispute prior to the complaint : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX  Today is XX/XX/XXXX and we have proofs that the bureaus have violated the same FCRA rules again. i have included inmage that the creditors involve in the complaint have violated Metro 2 Compliance Violation ( Not updating dispute status ) This account is currently in dispute but the data furnisher has not updated the remarks on the account which is a violation of the F.C.R.A Metro 2 Compliance Violation ( Not Including Creditor Contact Information ) This account is currently in dispute but the data furnisher has not updated the remarks on the account which is a violation of the F.C.R.A Metro 2 Compliance Violation ( Incorrect or inconsistent Account Number ) This account is currently in dispute but the data furnisher has not updated the remarks on the account which is a violation of the F.C.R.A
Complaint sub-issue: Attempted to collect wrong amount

I contacted ERC about a collection account on XX/XX/2021. I disputed the amount owed and requested a detail copy of the bill. I also contacted the original creditor and there is no record of the collection account. I was informed by ERC I would receive the account detail within 24 to 48 hours. I did not receive the account detail. I called back 2 weeks later and was informed the account was in dispute status. I called again on XX/XX/2021 and was advised the account detail was not available and would be requested again. I also was informed the account would be escalated. 

I have been asked by several individual what do I believe I owe? My response is XXXX but I really do not know that is why I am requesting account details.. 

I have never received an itemized bill from the collection agency or the original creditor XXXX. 

I have never received a collection letter from ERC.
Complaint sub-issue: Charged too much interest

Ive been trying and getting my credit card converted back to no annual fee credit card and Ive been getting too many run around and I was told that I have to wait for a least a year for that and promise I would get my annual fee refunded and second Ive been charged lots of interest on my credit card ending in XXXX while Im in COVID-19 program and Citi doesnt waive these fees and Im close of ending my credit limit and  Ill get charged about XXXX dollars worth of interest from XX/XX/2020 to XX/XX/2020 and Citi isnt helping me and looking out for customers and Im slowly trying to pay off this credit card so I can move on with my life
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Open Date XX/XX/2016 Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

I received a call from a XXXX XXXX stating she was from a company based out of XXXX called XXXX XXXX. She gave me an account number of XXXX stating it was a checking account opened with u.s. bank on XX/XX/2007. She threatened to take me to court and have me arrested if I didn't pay thw amount owed on an overdraft in the amount of {$4300.00} XXXX called from phone number XXXX extension XXXX. I called U.S. Bank fraud department and they stated that I did not have any account with them based on my social security number which XXXX provided but I did not verify whether she was correct or not. They provided me with actual addresses of mine and places that I have worked.
Complaint sub-issue: Information belongs to someone else

The following accounts and credit inquiries listed on my Equifax credit report are fraudulent, unauthorized, not mine and dont belong to me : XXXX XXXX   XXXX, XX/XX/XXXX, {$1500.00}, XXXX , XXXX . XX/XX/XXXX, XXXX XXXX  XXXX XXXX, XX/XX/XXXX, XXXX , XXXX . XXXX XXXX, XXXX XXXX/XXXX   XXXX, XXXX XXXX/XXXX, XXXX/XXXX and XXXX/XXXX.
Complaint sub-issue: Problem with customer service

XXXX ( ID number XXXX XXXX a customer service agent for Citibank was rude and not helpful when I tried to remove someone from my authorized user list. She stated that she needed the social security number of that person. She could not explain why she needed it or give me the option of removing the person without it. 
She was rude and talked over me several times. 
I asked for her XXXX  and she said one is not avaiable and I should call back in 30 minutes. 
I said I wanted a call back and she said she couldn't do that. 
Then she said the call was unproductive and she hung up on me. 
The time and date of the call was XX/XX/2021 at about XXXX to XXXX XXXX. 

In the end, I did not get the person removed and had to call back again to talk to another person to get the name removed.
Complaint sub-issue: Old information reappears or never goes away

I contacted Macys and negotiated a settlement for a balance owed. I was also told the account would be deleted from my report once it was {$0.00} balance. I have waited and the account still exists.
Complaint sub-issue: Reporting company used your report improperly

The following companies ran unauthorized credit inquiry on my credit report. Please remove the following as these are suspicious : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX.-, XXXX , XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX did not do a proper investigation and just updated the account information. 
The Last updated date for XXXX after yet another dispute reflects XX/XX/2019 and the same date for the first reported date. The report number for the dispute with XXXX is:XXXX I am still yet to hear back from the other two bureaus XXXX and Equifax about this particular account. To avoid more irregularities and improper investigation or lack of, I am bringing this to the attention of the Consumer Financial Protection Bureau. 

Errors and my comments about my dispute are highlighted in yellow on the pdf file that will be attached to this complaint. The pdf file is a part of a recent credit report pulled directly from myfico.com Date closed XX/XX/2019. A closed account can not have activities after the date it was closed. The last activity dates are not the same. More inaccuracies. 

XXXX did not do a proper investigation and just updated the account information. 
The Last updated date for XXXX after yet another dispute reflects XX/XX/2019 and the same date for the first reported date. The report number for the dispute with XXXX is:XXXX Updates are not considered proper investigation. Remove this account immediately per 15 U.S. Code 1681s2 prohibits ( A ) Reporting information with actual knowledge of errors.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Reporting company used your report improperly

Im aware that DISCOVER has closed my account and from what federal laws states in 15 USC 6801S-2 ( 4 ) ( 7 ) If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 15 USC 1681a ( p ) of this title furnishes negative/closed information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative/closed information, in writing, to the customer. As a natural person and consumer clearly, Ive been abused by your corporation. I found out my account was closed through third-party companies which is a violation. I didnt give your company permission to close my account or expose my privacy. Since closed my account please send my rescission forms for my remedy and Im demanding you to remove this closed account from all three of my consumer reports from all three consumer agencies.
Complaint sub-issue: Debt is not yours

A debt collection company, Jefferson Capital System, is reporting a debt that I believe isnt mine. I have asked the company for the original contract with my signature, to prove the debt is mine, and they will not comply. Disputed wirh credit bureaus asking for same documentation that they are required by law to produce and credit bureaus closed out my dispute with what I feel was an improper resolution.
Complaint sub-issue: Account information incorrect

We leased a car from XXXX in XXXX of XXXX and had it financed through XXXX XXXX. Six months into the lease we paided out the lease. After paying the lease out we still received calls saying that we are behind in our lease payments. We would resolve the problem monthly. XXXX of XXXX we called the dealership and let them know we wanted to lease another car despite the previous problems we had with XXXX. They explained that they were not doing any new leases in Ohio, but there were select number of people that could do another lease term with the car they were already leasing. We said OK, what do we need to do. XXXX at XXXX told me that they had not worked out the details with XXXX yet and to wait until our lease term was up. We waited called daily to find out if they had worked out anything yet. I asked XXXX what we should pay he said just How can debt be veirfied if each credit bureau have conflicting informations Equifax Late 120 XXXX CHARGE OFF XXXX Charge off Date of last payment are incorrect a Accross 3 credit bureaus They are reporting inaccurate info to the 3 credit bureaus. 
Account Type : Installment Installment Installment Account Type - Detail : Auto Lease Auto Loan Collection Bureau Code : Joint Joint Joint Account Status : Derogatory Derogatory Derogatory  Monthly Payment : {$490.00} {$0.00} {$490.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$620.00} {$620.00} {$620.00} No. of Months ( terms ) : 12 12 0 High Credit : {$17000.00} {$17000.00} {$17000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$620.00} {$620.00} {$620.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Late 120 Days Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Collection Account Full termination ; balance owing Unpaid balance reported as a loss by credit grantor. 
Account seriously past due/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
Consumer disputes - reinvestigation in progress Collection account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year 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 CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO The Three Credit Bureaus are involation for not doing a thorough investigation into the matter and allowing said name customer to report fraudulent and unauthorized charges
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

In XXXX, I financed a car purchase through Key Bank, XXXX XXXX XXXX XXXX, XXXX. I paid off the loan completely in XXXX. In XXXX, when I attempted to sell the car, I discovered that the Indiana Bureau of Motor Vehicles continued to show a lien on the vehicle held by Key Bank. Despite my repeated requests, Key Bank will not release the lien.
Complaint sub-issue: Information belongs to someone else

I'm filing an official complaint with the 3 major reporting companies, " XXXX, Equifax, and XXXX ", this complaint derives from not only me losing my wallet and important personal information, but due to the fact that I've been incarcerated for the past 8 years, only to be face to face with this nightmare of my identity being compromised. I'm respectfully and peacefully demanding that these unknown and unauthorized accounts be blocked and removed immediately from my credit file ( s ). Please remove the following # 1. XXXX XXXX XXXX # 2.  XXXX XXXX XXXX # 3 XXXX XXXX # 4. XXXX XXXX XXXX  XXXX XXXX # 5.  XXXX XXXX XXXX # 6. XXXX XXXX XXXX # 7. XXXX  XXXX XXXX XXXX # 8.  XXXX XXXX # 9. XXXX XXXX XXXX
Complaint sub-issue: Didn't receive terms that were advertised

I opened an online savings account with Citibank. As part of the account opening process, I transferred a substantial amount of money into the account. At the conclusion of the process, I received an error message and was never provided a full account number. I only received the last four digits by email. However, I did receive notice from my transferring bank that Citibank has received the funds. Without the full account number, I cant get online access to my account, and cant even get access to my account over the phone. I am told I am supposed to wait another 7-10 days to get my account information in the mail before I can access my account, which would mean the bank does not give me access to my funds for up to 14 days after I open up the account. This is a scam. The bank is putting all sorts of roadblocks up so that they can hold my funds and not provide me access to my accounts for weeks. The online application process misrepresented that I would have immediate access to the funds online, which is not true. I had to call over 5 times, and repeatedly was disconnected without my consent. I requested to speak to a supervisor, and was eventually connected to someone named XXXX, who refused to give her last name, but provided the code XXXX. She said I could not access my account until I received the full account number in the mail. I asked to speak to another supervisor and she said it would take them 3 business days before someone could call me back. Citibank has grossly misrepresented its terms in the application process. This is a scam that could be very, very harmful to consumers if they transfer funds into an account based upon representation that immediate access to funds will be provided, when in reality the bank wont give you access to your money for two weeks or more.