Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with fraud alerts

Below is my email to the Equifax PR Director this morning that was returned as undeliverable : To : XXXX XXXX XXXX I feel Equifax 's online fraud alert system has issues. I generally request a fraud alert by phone by calling XXXX. Yesterday I called and the automated system stated the system for phone request for a fraud alert was not in service. It stated a fraud alert could be place online or by mailing Ecquifax. Later, after placing the fraud alert online ( without receiving immediate confirmation of receipt ) I located a telephone number on your website for phone request for a fraud alert. I called it and it is operational. The XXXX system should have provided that number for a fraud alert. 
I completed the online fraud alert request and on hitting " Submit '' my computer screen went totally white. I went back to the request page and your Terms of Service states " you are willing to receive email notification ... and if not received, provides the Equifax mailing address. There is no indication of how long one must wait to receive that notification. 
Here is the problem : your fraud alert request requires almost all personal information necessary for identity theft - name, SSAN, address, previous address, DOB, etc. Without immediate confirmation of receipt, the person requesting does not know where his or her personal information has been sent, who may have received it, or if hacking is possible. 
I called XXXX this morning and spoke with your representative XXXX. After explaining this she said my request would be " expedited. '' When asked how long " expedited '' might take, she said 8 - 10 business days - another unacceptable delay. 
I was so frustrated yesterday after the online submission that I filed a complaint with the FTC. This morning I 've received an email from the US Gov. agency over credit reporting agencies and unless I get immediate assistance from Ecquifax, will file a complaint as they direct. If for any reason I have no resolution to my problem soon, I will then follow up with the appropriate agency for the State of Georgia and, if also necessary, request assistance from my Congressional Representative who has been helpful with issues in the past. 
Please understand how disconcerting it is for consumers who feel their personal information may be at risk. Your assistance will be much appreciated. 
XXXX XXXX XXXX, XXXX XXXXXXXXXXXX XXXX XXXX resolution would be immediate notification of if my online fraud alert was received and by whom.
Complaint sub-issue: Overdrafts and overdraft fees

I received a text stating the following : Citi Fraud Free Msg : We declined a payment of {$1700.00} that has been initiated in your account through your Citibank Mobile Banking. Reply yes if this was you, If not, please cancel through this secure link here : XXXX XXXX XXXXXXXX From phone # XXXX I do not have an account with Citi so it is clearly fraudulent.
Complaint sub-issue: Debt is not yours

I have received a second debt collection letter from a second collection agency for an outstanding bill from XXXX. I have never had any service or product from XXXX, and XXXX has never provided service in my state of residence. The latest collection letter from Afni , Inc. is dated XX/XX/2018 for an unpaid bill of {$850.00}, offering a settlement amount of {$550.00}, and also threatening to report this debt to credit bureaus, if not paid in full. I have called Afni, today XX/XX/2018 to inform them that I do not owe money to XXXX, and have never had any type of interaction or service with this company. In speaking with a representative, I was told that the original bill was incurred at an address in Florida, a state of which I have never resided or visited. My main concern is that this is the second collection letter, which I have received for a bill with XXXX, and wanting for these letters to cease. I am a senior citizen, and believe that I am being targeted with these types of letters demanding money, and with threats of having my information sent to credit bureau agencies, which will further ruin my credit. 
I plan on sending a letter to XXXX to insist that, they discontinue using my name and current addresses as a tool to collect unpaid debts.
Complaint sub-issue: Reporting company used your report improperly

The list of accounts Below has violated my federal protected consumer rights to privacy and confidentiality pursuant to the FCRA codified at 15 U.S.C 1681 b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) Account 's are : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX Date opened XX/XX/XXXX, XXXX XXXX : XXXX XXXX, XXXX, XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX : XXXX XXXX, XXXX, XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX Inquiry : 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  Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX I am willing to settle for {$1000.00} in civil liability damages I have suffered as a result of your violation persuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S C. 1681n ] , or Deletion. 
Should you refuse to settle or Delete within ten ( 10 ) calender days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting incorrectly that I am 120 days past due on XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Complaint sub-issue: Card opened as result of identity theft or fraud

This complaint is regarding Violation of verification and reporting of installment account XXXX XXXX account # XXXX date opened XX/XX/2013. Negative items ( installment, revolving ) on my credit report ( s ), where I personally contacted the creditors and they could not locate any accounts under my name. I was also informed by them that they do not verify or provide information to 3rd party credit reporting agencies. How is it possible Equifax is reporting negative account information? Your assistance is greatly appreciated. Out 3 CRA only Equifax is the one that is reporting this account on my consumer credit report, not my account/ never had account with XXXX, incorrect " PACER '' data and violates FCRA provision 605,607,611 and 623a I have also submitted a complaint with the Federal Trade Commission and forwarded this information to my attorney to file a lawsuit against Equifax for reporting wrong information and damaging my credit rating.
Complaint sub-issue: Other problem

Discover reduced my credit limit from {$3000.00} to {$500.00}. I do not have a single late payment on any account and I always pay far more than minimum on my payments. My scores have foolishly lowered because of usage, but now my scores are even lower because Discover lowered my credit limit. Yes, I understand how credit works. That still doesn't mean it's not absolutely foolish. My son who has several judgements and collection accounts has higher credit scores than I do right now, and I have an absolutely perfect payment history. It seems to me this would be a very clear indication of how unfair credit ratings are. I understand a creditor having the option of lowering your limits if you have had late payments or filed bankruptcy. They should not be able to lower your credit limit because of a temporary score. Temporary is the key word there. The scores are fluid and change rapidly, yet a credit card company may check your score once every 6 months to a year and may just happen to come across your score after a major purchase, so the foolish analysts that are paid to predict the future decide to lower your score ( kick you while your down ) and then say this is fair practice even though the consumer has more than lived up to the agreement made when the credit limit was established. Of course, it also depends on which score you're referring to. There are many! It's an absolutely foolish system and it provides very little, if any, financial protection for the consumer. All the protections are for the lender. My limit should not have been lowered. I had a {$3000.00} limit and only a {$30.00} balance. Now because of some overly educated fool who developed an automatic system to protect the bank, I am forced to suffer via my credit scores and good name.
Complaint sub-issue: Reporting company used your report improperly

i looked at my consumer credit profile recently and realised Equifaxhas reported an invalid account on my credit report from XXXX XXXX XXXX XXXX account Number XXXX i have never done business with the furnishers of this information and i have no knowledge of this transaction. this account has been disputed and deleted in the past and has recently been deleted by XXXX from my consumer credit profile. the furnisher of this data is adamant on violating my rights in conjunction with equifax whom as a company is aiding and abetting to such a violation of my guaranteed rights under Federal Law passed by the United States House of Representatives. This account is associated with innacurate peronal information which has been disputed, invalidated and deleted by both transunion and experian. Reporting this debt is a gross violation of my rights under the FCRA guidelines. Delete all records of this account from my credit report. i have also attached evidence of the letter i received from XXXX XXXX XXXX showing a different account number for the same {$55.00} dollar debt. i demand this account be deleted immediately since it is costing me a lot of money. i have attached screenshot evidence of the the account that i demand to be deleted and i have highlighted the information as well. THIS ACCOUNT HAS BEEN PREVIOUSLY DISPUTED INVALIDATED AND DELETED. take note of attached letter from debt collector/furnisher of information with different account number for the same debt.
Complaint sub-issue: Debt is not yours

To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by CITI. 

After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.
Complaint sub-issue: Problem during payment process

My husband is in XXXX but has money in his account from work release. He makes my credit card payment of XXXX every month to PNC. The check is sent from a government account on the first Thursday of every month. I have consistently had problems from the very beginning. At first they would send the payment back so it took months sometimes to make one payment. Lately they are holding the check 3 days before applying it to my account. This month its been 2 weeks since the payment was sent and they cant seem to tell me anything. Their systems are not set up to be able to tell me if they receive the payment until it posts, which could be 3 days or more later. I know that payment is there. It has never taken two weeks to apply it to my account and this month is not the time to be holding my money. Now, if they get it posted tomorrow I wont have access until Monday because they dont credit a credit card account over the weekend. Im not sure why they are holding the checks to begin with. Then claim on the bill they deposited the check several days prior to giving me access to it. Something is not right with their business practices with payments that are mailed in. If I made an online payment today, it would be applied to my account tomorrow. I said this to them last month and they told me I was wrong, but Ive made quite a few online payments on top of what my husband pays. If I was not stuck with my husband sending money to this account I would shut it down, because it is so disorganized or unethical, Ive not determined which.
Complaint sub-issue: Their investigation did not fix an error on your report

Hunter Warfield XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX My wife and I have disputed these accounts on her credit reports detailing why they are wrong. Their self reporting refused to acknowledge the factual information we have submitted and keep report on all three credit bureaus.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit report act convergence numbers have violated my rights. 
15 U S C 1681 602h, I have the right to privacy 15 U S C 1681 604a section 2, Consumer can not furnace a account with out my written instructions. 
XXXXXXXX XXXX XXXXXXXX # XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX
Complaint sub-issue: Account status incorrect

According to the fair credit act I have a right to send valid information to the credit bureau and ask they correct a mistake on my credit report.i have an account on my credit report that is inaccurate and it have hurt my ability to obtain credit and get a house because of this mistake. They have been reporting this account inaccurate for a long time if you would look at the attachment you will chargeoff. Chargeoffs don't have a payment history but they have continued to report this account inaccurate. This account is paid in full and the payment history should not show charge off and I went to the company and got a letter and the attachment shows the account as paid. This inaccurate information needs to be removed.
Complaint sub-issue: Their investigation did not fix an error on your report

My student loans were serviced by fed loans servicing ( total 13 accounts ) instead of one account. These 13 accounts are being rehabilitated by US Dept. of Education. Therefore, all accounts now has been transferred under Dept. of Education. However, on my credit report the same loans are being reported as collections and 120 days late with XXXX balance by Fed loan Servicing and repeated by US Dept. of Education. totaling 24 negative items. I have tried disputing this error several times and investigation from the credit reporting agency has not been addressed. The investigation returned as complete with a few changed dates. I am still being double dinged for the same 12 items.
Complaint sub-issue: Information belongs to someone else

Misspelled Name ( XXXX XXXX ) { XXXX, XXXX, ) Dispute ignored and put back on my account Consumer Financing reported on my account should not be XXXXXXXX XXXX that reported on my account which I never lived at the address reported They have incorrect and outdated information This incorrect information is causing me to reflect a inaccurate credit score causing me to get denied when I should be approved
Complaint sub-issue: Their investigation did not fix an error on your report

I see several 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Complaint sub-issue: Didn't receive notice of right to dispute

Hi, and please investigate this. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Complaint sub-issue: Didn't receive enough information to verify debt

I was never notified that I had debt in collections with this company. I was unaware that I had collections accounts open through XXXX XXXX XXXX until I was trying to purchase a vehicle on XX/XX/2018 and XX/XX/2018, and was repeatedly turned down for financing due to a poor credit score. Only then did I learn that there are 7 collections accounts open in my name from this company, totaling a crippling amount of {$73000.00}.
Complaint sub-issue: Information is not mine

There is a hard inquiry on my report at Equifax by XXXX on XX/XX/2016. I did not apply for this. I disputed this inquiry and Equifax refused to remove the inquiry. i spoke with many customer services agents including a supervisor and i was told i can contact that XXXX. I explained that i will not call XXXX and give them any information about my persons over the phone due to the fax that i do n't have a relationship with them and do n't want one. I then asked the supervisor for the dispute process that determined my results he told me i was entitled to that. I asked him if they even reached out to XXXX to confirm they really received an application and he would not provide me with that information. Equifax took 48 hours to respond to my dispute and they did nothing to assist me. I want this inquiry deleted off my report now and however this inquiry effected my credit score to be fixed as well.
Complaint sub-issue: Trouble with how payments are being handled

FedLoan Servicing manages my student loans. As a XXXX XXXX XXXX I am participating in the Public Service Loan Forgiveness ( PSLF ) Program. I submitted the appropriate paperwork to demonstrate that I have made 30 qualifying payments for each of my two loans. I submitted the PSLF certification paperwork on XX/XX/XXXX. I received a statement on XX/XX/XXXX stating that one of my had only 19 qualifying payments and the other had 23 qualifying payment. 

I contacted FedLoan Servicing via email on XX/XX/XXXX and I specifically asked FedLoan Servicing to let me know which months in the 30 month period did not meet the qualifying payment requirements. In response, FedLoan Servicing said in an account statement dated XX/XX/XXXX that one of my loans has only 25 qualifying payments credited, the other only 27 qualifying payments credited. Not only are the qualifying payments incorrect, I have not been notified which months in the 30 month period, do not qualify for PSLF.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I do not recognize the following inquiry on my credit report CREDIT PLUS ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act 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: Reporting company used your report improperly

i looked at my consumer credit profile recently and realised Equifaxhas reported an invalid account on my credit report from XXXX XXXX XXXX XXXX account Number XXXX i have never done business with the furnishers of this information and i have no knowledge of this transaction. this account has been disputed and deleted in the past and has recently been deleted by XXXX from my consumer credit profile. the furnisher of this data is adamant on violating my rights in conjunction with equifax whom as a company is aiding and abetting to such a violation of my guaranteed rights under Federal Law passed by the United States House of Representatives. This account is associated with innacurate peronal information which has been disputed, invalidated and deleted by both XXXX  and XXXX. Reporting this debt is a gross violation of my rights under the FCRA guidelines. Delete all records of this account from my credit report. i have also attached evidence of the letter i received from XXXX XXXX XXXX showing a different account number for the same {$55.00} dollar debt. i demand this account be deleted immediately since it is costing me a lot of money. i have attached screenshot evidence of the the account that i demand to be deleted and i have highlighted the information as well. THIS ACCOUNT HAS BEEN PREVIOUSLY DISPUTED INVALIDATED AND DELETED. take note of attached letter from debt collector/furnisher of information with different account number for the same debt.
Complaint sub-issue: Problem getting my free annual report

Equifax is by far the most uncooperative company I 've ever had the ( dis ) pleasure of interacting with. Their website has an option to dispute items on your credit report but it never functions. I have, along with my mother and husband, attempted to use their website daily for weeks. It will ask verification questions that do not pertain to the person who is submitting the request and then rejects. We also attempted using the free annual method but same questions are asked and it rejects the request. This issue is misleading and can make consumers believe they are a victim of fraud when really Equifax is just making it impossible to access information to which we are legally entitled. Calling them has proved useless as well since they simply say sign up for the {$19.00} a month service and you can bypass the trouble. I should n't have to do that and it seems they are causing these road blocks to make a profit. XXXX and XXXX were perfectly functional and disputes were submitted without headache ... yet I still ca n't seem to get into Equifax. I ca n't even get the 90 day fraud request submitted as it gives the same error. They told me the only option is to print form upon form and mail it to them in XXXX along with every identifiable piece of my existence ( Birth Certificate, DL copy, SS Card, Rental Agreement, etc. ) which would be detrimental if intercepted!
Complaint sub-issue: Problem with personal statement of dispute

As of XX/XX/XXXX the Creditor agreed to remove the account once initial dispute process began, and the company refuse to remove any late payments or account but this account was paid in full and was said to be removed immediately upon payment and has yet to do so to remove from all three credit bureaus
Complaint sub-issue: Credit inquiries on your report that you don't recognize

These are inquiries that I have attempted to get information on that were not authorized. XX/XX/XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXi XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX ( twice ) XX/XX/XXXX XXXX