Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

On XXXX XXXX, 2017 I initiated several disputes with all three Credit reporting agencies regarding fraudulent accounts being reported into my credit report. At the time I have applied for a Mortgage Loan and the creditor advised me that I had several derogatory marks in my credit, that prevented me from getting an approval. To my surprise there were 16 account being reported into my credit reports, some with incorrect payment information or resolution and some that were simply not mine. At the moment my credit score was fluctuating between XXXX - XXXX when I initiated the process. After most of my disputes were resolved, still pending 2 accounts and my credit score stayed exactly the same. 

I called all three agencies to verify the reasons why my credit score never got recalculated. All three companies assured me that it got automatically recalculated by the computer once the accounts were removed, although there is no difference. They also advised me that if I applied for a mortgage or a credit loan I could get what is called credit re scoring which is basically the bank requesting a re score based on the fact that all my accounts were cleared.This will translate into me paying a mortgage company to re score my credit with this three companies when the companies should have re score in the first place. 

I sent XXXX and Equifax a letter, formally requesting this re-scoring process to them and their response was that I will receive a letter with instructions on how to request my credit score. 

In addition, these three reporting companies are not reporting any payment history or credit age on my credit reports, which is also impacting my score. 

Finally out of the three reporting companies both XXXX and Equifax were able to verify the accounts as fraudulent, still XXXX keeps going around on their investigation and updating the account information without really having proof of ownership from the creditors, although I started a Identity Theft claim. 

I do n't believe I should be penalized on my credit scoring due to accounts that were never mine and that hurt my credit tremendously, reducing my credit score on over XXXX points. 

Best Regards, XXXX XXXX
Complaint sub-issue: Debt is not yours

Hunter Warfield began reporting an apartment collection from XXXX XXXX around XXXX XXXX. The original balance was reported as {$2300.00}, and as of XXXX 2017 is reporting the balance at {$3200.00}. I have disputed this debt to Hunter Warfield directly as well as through the credit reporting agencies that they reported it to as a collection account. I do not owe this debt. There were repeated and significant issues with the apartment and the apartment management breached its duties under Florida law to maintain a habitable environment. There were rodents in the apartment, and I and my children were bitten by bed bugs, and the apartment was consistently infested with cockroaches. The last straw was when my daughter came screaming to me because there was a dead roach on her toothbrush. I am not sure which adjectives I can use to describe the apartment other than completely substandard, disgusting and gross. To add insult to injury, the apartment management created all kinds of bogus and illegitimate fees and sent it to Hunter Warfield to collect. When I tried to explain this to Hunter Warfield, they seemed uninterested in anything other than collecting the debt for their " client, '' whom apparently they presume to be right and the consumer wrong. I paid what I was required to pay and more ; I left in XXXX but had rent paid through XXXX. It is morally reprehensible that Hunter Warfield is attempting to collect over {$3000.00} for these reprobates. On top of this, it seems Hunter Warfield is adding a collection fee or interest charge to the balance each month. I can not see how this is permissible or legal.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.
Complaint sub-issue: Account information incorrect

On XX/XX/2021 my Equifax credit score plummeted by -XXXX  points! However there had been no changes to my Equifax credit file except for the XXXX  point drop to my Equifax credit score. 

On XX/XX/2021 my Equifax credit score dropped -XXXX  points. The only changes to my Equifax credit file actually shows a DECREASE of {$770.00} to one of two credit card accounts of which accounted for over 50 % + of all debts owed and brought my debt/income ratio from 100 % down to 54 %. If anything this should of had a positive impact on my credit score
Complaint sub-issue: Indicated you were committing crime by not paying debt

Around the beginning of XX/XX/2019 at about XXXX when i got home off work. My son in bed and as im about to lay down also i get a knock at my door. A random man asking to enter my unit claiming to be the maintenance that lives under me and my shower was leaking in to his unti. He stated i needed to open my door at XXXX pm at night to look at my shower to fix what was wrong. I absolutely refused because he couldn't identify himself, i didnt even run the shower to leak in to his apartment, and it was XXXX at night. Due to this indecent they are claiming i was late and tried to charge me for damages
Complaint sub-issue: Deposits or withdrawals

Please reference previous complaint filed with XXXX XXXX XXXX, case # XXXX. The bank has issued a response dated XX/XX/XXXX. Please note the response does not address our original complaint. 
A summary of the previous submitted complaint : An IRA CD was taken out with XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX. The amount of the IRA CD was $ XXXXPNC later took over XXXX XXXX XXXX Notification was never received from PNC Bank as to the disbursement of the IRA CD. In checking with other institutions there is additional paperwork required to transfer, close this type of an account ( IRS rules for and IRA CD ). Previously PNC was contacted in an attempt to locate my money. PNC was unable to locate any records of the IRA CD.  Instead PNC responded with reference to two other savings accounts. THIS IS AN IRA RETIREMENT ACCOUNT. PNC can not simply use the excuse there is no record of the account. It is incumbent of PNC to make sure there is proper paperwork for an open IRA CD. Justification would have to be made for IRS purposes to to track the location of IRA account dollars. It appears PNC " lost '' our money. Bottom line we have the paperwork it was an IRA CD. PNC should be required to produce their paperwork to justify they no longer have the money.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Multiple credit cards lost and used. Discover unable to find sufficient evidence and/or request specific evidence from merchants. Multiple calls to both discover and merchants made to attempt to resolve all fraudulent charges made in the XXXX Florida area. 
No identification presented to any merchants including hotel and water sports rental was requested from discover. No surveillance at any location. Name at check in was not mine. Email address and phone number used to make purchases also not mine. 
XXXX XXXX XXXX XXXX  FLMerchandise {$2400.00} SECURITY DISPUTE ADJUSTMENT XXXX XXXX XXXX  TXMerchandise {$90.00} SECURITY DISPUTE ADJUSTMENT XXXX XXXX XXXX TXMerchandise {$90.00} SECURITY DISPUTE ADJUSTMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL Merchandise {$170.00} SECURITY DISPUTE ADJUSTMENT XXXX XXXX XXXX XXXX NJMerchandise {$13.00} SECURITY DISPUTE ADJUSTMENT XXXX XXXX XXXX XXXX XXXXFLMerchandise {$5.00} SECURITY DISPUTE ADJUSTMENT 0XXXX XXXX XXXX XXXX XXXX FLMerchandise {$160.00} SECURITY DISPUTE ADJUSTMENT XXXX XXXX XXXX XXXX XXXX FLMerchandise {$130.00} SECURITY DISPUTE ADJUSTMENT XXXX XXXX XXXX XXXX  FLMerchandise {$33.00} SECURITY DISPUTE ADJUSTMENT XXXX XXXX XXXX XXXX FLMerchandise {$510.00} SECURITY DISPUTE ADJUSTMENT XXXX XXXX XXXX XXXX XXXX XXXX  FLMerchandise {$11.00} SECURITY DISPUTE ADJUSTMENT XXXX XXXX  NYMerchandise {$300.00} SECURITY DISPUTE ADJUSTMENT
Complaint sub-issue: Information belongs to someone else

Upon being denied from a lender for " multiple inquiries '' from Equifax report, I decide to check my reports from all credit bureaus for accuracy. I have realized that there were a few credit inquiries on my Equifax that I DID NOT authorize and had no knowledge of. I contacted Equifax and had no relief. Please see that the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation none of these companies received any identification or authorization from ME to pull my credit for any reason.      1.   XXXX   XXXX   XX/XX/XXXX   2.    XXXX   XXXX   XXXX    XX/XX/XXXX  3.  XXXX   XXXX   XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX   4.    XXXX    XX/XX/XXXX   5.  XXXX   XXXX   XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2018 I received a fraudulent inquiry on my Equifax credit report titled XXXX/XXXX. I called the XXXX XXXX that same day to remove the inquiry. They created a fraud case and I received a copy of the letter they sent to Equifax to remove the inquiry. After 2-3 months of no change to my credit file, I called XXXX  XXXX once again. They created and fraud case and requested that Equifax remove the inquiry. No change once again. I called Equifax numerous times and they consistently advise that I need to contact lender. I faxed Equifax a police report, FTC affidavit, copy of letters the XXXX XXXX sent to Equifax, copy of ssn and copy of state ID. I had actually listed another fraudulent inquiry on this fax submission that was for XXXX  XXXX/XXXX inquiry from XX/XX/2018 and they removed this one on XX/XX/XXXX but not the XXXX/XXXX. I constantly called Equifax and they have advised that they can not remove the inquiry, put me in hold for several minutes ( 40+ ) and transfer me.
Complaint sub-issue: Information belongs to someone else

I have filed a complaint in XX/XX/2019 on Equifax for them to investigate accounts that did not belong to me and I have not received anything on this matter. This preventing my chances of purchasing anything and I want it taken care of immediately
Complaint sub-issue: Information belongs to someone else

THE ACCOUNTS LISTED DOES NOT BELONG TO ME, PLEASE HAVE THOSE NEGATIVELY REPORTING ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY FILE. I HAVE NO KNOWLEDGE OF THOSE ACCOUNTS UNTIL I RECENTLY VIEWED MY CREDIT FILE. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS REMOVE.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX ACCOUNT # XXXX has violated my rights 15 U.S.C 1681 section 602A states " i have the right to privacy '' 15 U.S.C 1681 section 604A section 2 states " A consumer reporting agency can not furnish an account without my written consent '' 15 U.S.C 6802B ( 1 ) ( B & C ) states ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option
Complaint sub-issue: Billing problem

Around XXXX XXXX I called US bank because i noticed that 3 of my payments was not applied correctly in XXXX of 2022. My account was paid ahead until XX/XX/2022 and I called US bank to make them aware that my payments in XXXX of 2022 did not apply correctly- all of them went towards principal but then showed I had an interest payment due. I was making XXXX dollar payments every 2 weeks and about XXXX dollars would go to interest and the remaining to my principal balance. I spoke to a representative who advised they can submit a request to reapply those payments so that they apply correctly. I logged on a few days after the request and it showed I had a XXXX dollar payment due for XX/XX/2022. That shouldnt of been correct but I let it be as I had another XXXX payment drafting on XX/XX/XXXX- which would of paid the XXXX and then paid account ahead. I logged on after the XX/XX/XXXX payment and it was showing I was behind a day and owed XXXX dollars. I called back US bank and the first representative stated they would review my account but then transferred me without telling me. I am frustrated as my payments are not being applied correctly and feel as if US bank is stealing my money
Complaint sub-issue: Investigation took more than 30 days

MY EQUIFAX CREDIT FILE PROBLEM IS THAT THEY KEEP ROLLING MY DISPUTE LONGER MORE AND MORE TIME OVER 30 DAYS FOR THE COMPANY XXXX XXXX WHO IS INACCURATLEY REPORTING INFORMATION OF AN ACCOUNT THAT IS REPORTING INACCURATE INFO. I PLACED A DISPUTE ON XX/XX/XXXX # XXXX EQUIFAX STATED XXXX XXXX SENT AN ELECT. REPLY STATING THIS ACCT IS MINE, NOT TRUE. ONXX/XX/XXXXI FILED A DISPUTE # XXXX W/EQUIFAX STATING XXXX   IS REPORTING INACCURATE INFO ON MY CREDIT FILE, I CALLED EQUIFAX REP SHE SAID THAT EQUIFAX IS WAITING ON A RETURN CALL FROM THE COMPANY XXXX XXXX REP STATED THAT ( REQS CAN BE MADE FOR A CALL ) IF A CALL IS NOT RECVD BY XX/XX/XXXXTHAT THIS ACCT WILL BE DELETED FROM MY CREDIT FILE. I FAXED A LETTER FROM XXXX  TO EQUIFAX CONF #  XXXX AND REP VERIFIED IT WAS RECVD ON XX/XX/XXXX. TODAY I WAS TOLD THAT I WOULD HAVE TO ALLOW AN ADDITIONAL 30 DAYS BECAUSE I MAILED THE SAME LETTER THAT I FAXED, THIS IS COMPLETELY FALSE. I NEVER MAILED ANYTHING AND WHY WOULD I NEED TO MAIL THE SAME LETTER THAT WAS FAXED WHICH I HAVE A COPY OF THE CONF PAGE OF THIS FAX.?, COMPLETLEY FALSE. THE LETTER VERIFIES THAT THE INFORMATION XXXX XXXX HAS DOES NOT MATCH MY NAME OR ADDRESS, ( THIS ACCOUNT SHOULD HAVE BEEN DELETED ), INSTEAD EQUIFAX HAS STATED THAT I HAVE ANOTHER EXISTING DISPUTE WITH THIS SAME COMPANY ENDING IN # XXXX SAID TO END ON XX/XX/XXXX ( CUSTOMER SVC REP XXXX STATED THAT WAS INITIATED BY EQUIFAX AS A FRAUD DISPUTE, AND I MADE XXXX AWARE THAT THIS DISPUTE WAS UNAUTHORIZED BY ME. AND FINAL, HOW CAN YOU HAVE ( 2 ) DISPUTES GOING AT THE SAME TIME? THEY ARE SUPPOSED TO BE 30 DAYS AT A TIME, INSTEAD EQUIFAX IS USING A STALL TACTIC TO KEEP ROLLING THIS DATE WITH THIS COMPANY BEYOND THE 30 DAYS THRESHOLD AND I HAVE NOT BEEN MADE AWARE OF THIS AND CERTANTLY DID NOT AUTHORIZE THIS FINAL DISPUTE # XXXX.
Complaint sub-issue: Public record information inaccurate

Under the new law effective XXXX XXXX,2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureaus ( Equifax, XXXX, XXXX ) have not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit reports.
Complaint sub-issue: Problem with fees

Due to Covid 19 we are experiencing financial hardship. We own a XXXX. After 2 hours on hold we requested a lower APR to help us, they declined ANY lowering. They also were incredibly insensitive to the fact that the world is going through such a hard time. We were not asking for much, just a lower APR, they refused. Every other bank/cc has been able to lower or some making it 0 % at this time. There are many complaints on social media about their practices.
Complaint sub-issue: Their investigation did not fix an error on your report

For the last several months, I've been trying to get XXXX to remove a bankruptcy that was verified through XXXX. XXXX has removed this bankruptcy from my report, however, it's still showing on my credit report.
Complaint sub-issue: Account information incorrect

All XXXX credit cards are paid up to date with balances less than 10 % carry over. This inaccurate information cause my utilization scores to be less than XXXX. My car note is also paid in full as of XX/XX/2023 with XXXX XXXX. The three credit bureaus : Equifax, XXXX XXXX, and XXXX are not reporting accurate information as a neglect.
Complaint sub-issue: Their investigation did not fix an error on your report

All XXXX accounts should reflect Discharged/Paid In Full as per FTC Federal Truth In Lending Disclosures and Billing/Credit Reporting Act. And, there should be No Deragotory Information based upon conditions of Discharge.
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. 

XXXX  XXXX Bankruptcy XXXX Account # XXXX, has violated my rights. 
XXXX  XXXX Account # XXXX, has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights XXXX XXXX XXXX Account # XXXX, has violated my rights XXXX Account # XXXX, has violated my rights XXXX XXXX XXXX Account XXXX XXXX, has violated my rights XXXX XXXX XXXX Account XXXX XXXX, has violated my rights XXXX XXXX XXXX Account # XXXX, has violated my rights XXXX XXXX XXXX Account XXXX XXXX XXXX has violated my rights XXXX XXXXXXXX Account # XXXX, has violated my rights XXXX Card Services 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 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

Equifax ; XXXX  and XXXX are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute Account XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; Collection XXXX ; XXXX XXXX XXXX ; XXXX ; XXXX ; and XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Complaint sub-issue: Reporting company used your report improperly

I most likely am one of the individuals impacted by equifax 's recent hack. I have not signed up for their protection program because their terms and agreements seems to waive my rights despite this being a wrong on their end.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I spoke to a representative at equifax about getting some inquiries removed that I didnt authorize that I found on my credit report. They told me I would have to reach out to the companies to have them send a letter to request that they be removed. I had never talked to anyone at these companies so when I asked the rep if they could give me phone numbers to the places that made the inquiries they couldnt give me the numbers so I had to XXXX each number to make contact. When I spoke to each one they had no record of me even making the inquiry because I had not made them. I called the Bureau back and told them that they had. I record of the inquiries they still told me that they couldnt deleted them nor would they investigate the inquiries. Ive also sent them a letter asking that these unauthorized inquiries be investigated and deleted from my report a letter which they said they never received. 

1. XXXX XXXX  XXXX. 
Date of inquiry XX/XX/19 2. XXXX XXXX XXXX Date of inquiry XX/XX/19 3. XXXX XXXX XXXX Date of Inquiry XX/XX/19 4. XXXX XXXX XXXX Date of Inquiry XX/XX/19
Complaint sub-issue: Problem with fees charged

This began when I noticed that the balance on my vehicle had a very drastic jump in the balance. In XXXX of this year there was {$16000.00} owed, but in XXXX Volkswagen said that I owe {$25000.00}. {$9000.00} was added to the balance in just 3 months! Rightly shocked I reached out to Volkswagen and asked for an account ledger because I needed to know where these charges came from. All I received from them was a payment history notice. Not what I asked for. I immediately reached out and again asked for an actual itemized ledger. I still had no idea where this {$9000.00} came from. Instead of sending me the ledger, they repossessed my car in XXXX! I then had to pay {$10000.00} to get my car back. I am in absolute shock and extremely frustrated at how Volkswagen can repossess my car, and at the same time, never even explain to me what these excessive charges are for. Included is the payment notice from Volkswagen. Also the receipts from when I had to pay to get my car back while they refused to help me.
Complaint sub-issue: Problem during payment process

Commerce bank returned a payment made through billpay on XX/XX/2022 claiming my account never existed using the ID number on the bill. They would assess a late fee and deny I ever sent a payment and insist the late charge stay. They would promise to let me speak to a manager and then hang up on me and not answer any call since that incident. About an hour later Commerce Bank would call me and try to coerce me into paying this illegal late fee and deny that they ever returned a payment once again. I have stated that refusal to accept the balance transfer payment for the balance due minus the illegal charge would be their voluntary forfeiture of the balance and hang up. Commerce Bank has had me blocked from having online access to my account for 2 years because I am XXXX  Responses to this resulted in nothing more then their ban being left and Commerce Bank continuing to send me prewritten instructions on how to set up an online account but kept failing to address why I was blocked from having an online account. This was in retaliation to me winning a fight against their attempt to block a legal name change by simply ignoring it and claiming me changing my name XXXX XXXX affirmation purposes is against their security policy.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have several inquiries on my credit report that were not authorized and are unknown. Ive tried disputing with the companies but I was told to dispute with the credit bureaus. Ive disputed with the credit bureaus several times but XXXX  is the only bureau that removed the inquiries. XXXX  and XXXX  have not removed those inquiries. I have not given my authorization for the inquiries and I do not recognize any of the companies. Ive asked for them to send me written proof of my signature of authorization and they can not provide this information. I would like for these inquiries to be removed from my credit report for all reporting bureaus.
Complaint sub-issue: Card opened as result of identity theft or fraud

I found on my credit report there was a payment past due for more than 30 days for the amount of $ XXXX from CITI Bank, and phone number XXXX. Was told by CITI bank that XXXX XXXX been using the credit card under my name, his phone number XXXX and address on file XXXX XXXX XXXX # XXXX XXXX, XXXX. Please look into the payments he previously made. Occurred on XX/XX/2020