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

ECMC has been in dishonor for years. I have proof that Ive attempted to satisfy the debt obligation. Ive sent a registered security years ago. It was kept and account still not properly closed and settled. Letters ignored etc.

By this account being on my credit report. It is effecting my way of living. Effecting my ability to obtain credit to purchase my first home. Refusal of discharge by law is automatic discharge. I want this off my credit immediately. Or I will file a XXXX Civil Sheet. Along with filing a complaint with the SEC. For keeping my security. XXXX never processed properly as well. 

XXXX net shouldve never transferred or sold the debt to ECMC. 2018 I sent in tender of payment. It obviously was ignored. Which is automatic discharge.
Complaint sub-issue: Debt is not yours

XX/XX/2020, I received an update from XXXX stating that a collection had been posted to my credit file from Afni, Inc. with an amount of {$440.00} I owe to XXXX XXXX XXXX. I have never been contacted by Afni, Inc. by mail or phone. I do not owe XXXX XXXX XXXX and have nothing from XXXX XXXX XXXX to reflect a past debt. Afni, Inc. is past the four year period under the Texas Debt Collection Act and is reporting false information on my credit report by stating first that I owe money and second that I am behind.
Complaint sub-issue: Attempted to collect wrong amount

Home depot has a 24 month no interest promotion in XX/XX/XXXX for purchases {$2000.00} and over. THey have been charging me interest on this promotion. I have called the credit department, I have sent messages through there website and have gotten no corrections or resolutions. They offered a 24 month no interest promotion and are not honoring it. I do not owe the interest charges they have put on my account since XX/XX/XXXX. THe debt date on their statement is false and they are collecting money not owed to them. The expiration for the promotion should be XX/XX/XXXX. They are falsely promoting no interest programs and not honoring the conditions of there contract and now charging interest on the full amount.
Complaint sub-issue: Account status incorrect

My account was reported as past due, however, I was approved for a forbearance after speaking with lender. The same is not shown on my credit report. I am requesting that this correction be made to my report as it is affecting my positive payment history and creditworthiness. 

Towards that end, I am also befuddled as to how this account is being managed. I have not received any correspondence from lender nor telephonic communication efforts. Had the same been given, I would have gone ahead and either made payment or requested a timely forbearance. It appears that lender is disinterested in collecting and more with affecting my creditworthiness. 

I would like to reach a resolution with lender as they said would mark my report as in a forbearance, however, they not reflected same in my credit report nor have they provided any documentation/ notice of the forbearance following my phone call with them.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair credit report act XXXX XXXX has violated my rights regarding a hard credit inquiry posted on my Credit Report XXXX XXXX 2021 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: Information belongs to someone else

The account was opened without my consent. I want it removed immediately form my credit report. They are showing  XXXX  different reports to the credit bureaus.      XXXX   XXXX   XXXX   XXXX    Account Number  XXXX  Account Type Credit Card Terms Revolving Date Open ed  XX/XX/XXXX  Account Status Open Payment Status Paid Payment Status Details Current, was past due  30 da ys two times Status Updated  XX/XX/XXXX  Bala nce {$430.00} Balance Updated - Credit Limit {$200.00} Past Due Amount - High Balance {$430.00} Monthly Payment {$20.00} Balloon Payment - Contact Phone BYMAILONLY Contact Address  XXXX   XXXX   XXXX ,  XXXX , DE  XXXX   XXXX   XXXX   XXXX   XXXX  - Company Sold-to - Original Amount - Comments -
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Hunter warfield continues calling my job over and over when Ive continued to tell them not to
Complaint sub-issue: Didn't receive enough information to verify debt

The Bureaus has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Complaint sub-issue: Trouble using the card to spend money in a store or online

I have received a prepaid card which I am unable to use because the transaction keeps getting declined. There is only one way to contact the company ( by phone ) and for the past two months they " have been experiencing extraordinarily high call volumes '' and never pick up the phone.
Complaint sub-issue: Fee problem

After opening an account, I was charged a {$25.00} fee for 'delux check ' that I did not order nor did I know I would be charged for. In resolving this, the bank says it will take up to 10 business days to investigate, and that I should fund the account in order to avoid an overdraft fee. That fee would be on the account of an overdraft due to a problem they have created. 

Not only was I not told during account opening about this, there was no notification afterwards that I was charged. 

If I had not been checking in on my account for some other reason, I would've been ( a ) charged for a service I do not want and ( b ) charged for overdraft.
Complaint sub-issue: Problem with rewards from credit card

On XX/XX/XXXX, I contacted Citibank to open a Citi / AAdvantage Platinum Select card in order to receive the benefits ( early boarding, free checked luggage ) for travel on XXXX XXXX flight # XXXX for a family vacation that we were taking the next day, XX/XX/XXXX, from XXXX to XXXX. While speaking to the Citibank representative, I learned that the benefits were only eligible for airline tickets purchased using the credit card and that I would need to have the card in my possession. As a result, I asked the Citibank representative to cancel my application ( Application ID XXXX ) and the representative confirmed that the account would not be opened. 

Upon return from our family vacation on the evening of XX/XX/XXXX and receiving our mail on XX/XX/XXXX ( the Tuesday after XXXX XXXX ), I received a credit card from Citi AAdvantage, card ending in XXXX. I immediately contacted Citibank and told them that the card should never have been issued, that the Citibank representative assured me that the account would not be opened and that the card and account were issued in error. Citibank closed the account immediately and I destroyed the card. The account was never used and was closed in XX/XX/XXXX, all of which is confirmed according to my XXXX Credit Report. 

In XX/XX/XXXX, I opened a Citi AAdvantage Platinum Select in order receive a promotional offer of XXXX   miles upon spending {$2500.00} within 3 months. I met all of the conditions but did not receive the miles and so I called Citi AAdvantage. I was told that " Special offers aren't available when an existing account in the same product has been approved or closed within 24 months. '' They referred to the account that they opened in XX/XX/XXXX. I explained that the account was opened without my authorization and they said they would refer the matter to the customer service team who would contact me by mail within 7 to 10 days. 

I received the letter from customer service today which simply repeated that I was not eligible for the offer because of the account they opened in XX/XX/XXXX. I called customer service and explained that the account was opened because of their error. The customer service representative put me on hold to speak to a supervisor/manager. The representative said they understood what happened but could not provide me with the special offer XXXX miles, but could offer me XXXX miles. I declined, explaining that I should not be penalized for their mistake and asked to speak to the supervisor. 

They confirmed my telephone number and said that a supervisor would call me back and that they would expedite my case but I have not heard back from anyone. 

I do not think it is legal for Citibank to open an account without my authorization, particularly when they acknowledged that they would not open the account. I also do not think it is fair to deny me the special offer because of a mistake that their employee made when I have met all of the conditions of the offer.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed the unverified and inaccurate account from XXXX XXXX with Equifax on XX/XX/2020, and it was returned to me as verified. How is this possible? Equifax has failed to send me proof of my obligation of this alleged debt as requested. 

I believe this account does not belong to me. During the time I was disputing this account, Equifax sent a letter to me addressed to XXXX XXXX XXXX. They have me mixed with another person. I am certain that this account does not belong to me because when I sent my dispute letter to Equifax, I enclosed a copy of my state I.D . and a copy of my social security card. 

I requested the documents from their files used to verify this account. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting on my credit report. All unverified accounts must be deleted. 

Who verified this account? What documents did they use to verify? Where are the documents used to verify? This company is in violation for continuing to verify the account without providing the evidence as requested. It is my contention that Equifax knows they can not tie me to this alleged account.
Complaint sub-issue: Information belongs to someone else

THIS AUTO LOAN LISTED IS A FRAUDULENT LOAN THAT SOMEONE USED MY PERSONAL INFORAMTION TO OBTAIN THIS LOAN THE THEFT USED MY INFORMATION I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA & # 39 ; s. 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: Information belongs to someone else

I was at XXXX XXXX on XX/XX/2020 to apply for a credit card and they refused me. I ordered my free credit report at XXXX.XXXX to see what was the reason. It was because I had some negative accounts that I don't even know what they are for or why they are in my credit. I asked my wife if she had added these accounts, but none of these accounts are hers or even has them on her credit report ( 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 XXXX XXXX these accounts listed do not relate to any transactions that I have made. These accounts are in my credit because of identity theft and I need these accounts to please be removed because they are not mine. I filed a police report with XXXX XXXX Police. i have never applied for the credit cards or credit and i have not ever used there services, cash or merchandise
Complaint sub-issue: Didn't receive services that were advertised

on or around XXXX - XXXX I saw a lot of pre approval on credit karma at first I didn't pay I no attention but credit karma kept sending pre approvals telling me that I was pre approved for credit cards personal loans and that I can refinance my car everyday I would see these offers every time I logged in to check my credit scores so after a few months of being told that I was pre approved I thought I was now in the perfect place to apply I got so many offers through credit karma that I started telling my whole family about vacations and investments that we were going to use these pre approvals for so I finally applied for a couple credit cards and auto refinance and loans on or around some time in XXXX and I got denied for I was distrait I was very very angry and I felt deceived I was marketed for months so credit karma told me that I was pre approved this was a lie. I was severely stressed out I was nauseous for weeks I had migraines so bad I became XXXX XXXX XXXX XXXX went from XXXX to XXXX now every time I see pre approvals I immediately close my phone and shut my computer of this has made me so un easy and XXXX that I haven't checked my credit as frequently as I should!
Complaint sub-issue: Debt is not mine

In XXXX of 2016 prior to the XXXX XXXX due date, I suspended all lines of my prepaid XXXX service using the online suspension option through the 'My Account ' on XXXX XXXX website. A few days later I entered the XXXX store located at XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX to confirm the disconnect of my prepaid XXXX service with the representative there and explained my reason for the disconnect. It was of mutual understanding that though I was ending my relationship with XXXX that I would indeed submit payment in full for the current phones once the final bill for said phones arrived in the mail. 
In XXXX 2016 when I received a past due bill for services never used, I consulted a XXXX representative via chat on the XXXX website. I was told then that the account would be taken care of and again I would receive a bill for the phones only, which I repeated my understanding for and would submit payment in full for the phones once the adjustments were made. 
In XXXX 2016, I received a call from a XXXX billing representative about the past due bill, which has yet to be adjusted properly. At that time, we had a conversation regarding the fact that my XXXX account was always a prepaid account and that I would not be submitting this payment for the months of XXXX and XXXX considering I had, 1 ) Suspended the phones online AND requested a disconnection in person at the store at and 2 ) did not use my prepaid lines during the XXXX and XXXX prepaid billing cycle that unbeknownst to me were never disconnected by XXXX as I had requested to be done, twice. The CSR that I spoke to that day acknowledged that my account was prepaid, acknowledged the fact that I had cancelled, and told me at that time I would be sent a bill for the phones ( which I agreed that I owed that {$250.00} ), and that the existing charge would be adjusted to reflect the amount for the phones only. 

XXXX and its creditors continue to harass me via phone, my wife 's phone, and by postal mail. I have sent numerous letters to dispute the charge, the reason for the dispute, and the acknowledgement of my owing {$250.00} for the phones. They have yet to acknowledge in wrong doing and refuse to adjust the bill to reflect only the charge for the phones.
Complaint sub-issue: Their investigation did not fix an error on your report

Enclosed/Attached is a copy of my original dispute letter I am writing this due to non-compliance with Credit Reporting Agency Equifax They failed to conduct a proper investigation in accordance to FCRA guidelines I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law Because in my review of my most recent Equifax report, I can still see inaccuracies and blatant violation. And so, my dispute letter to the CRA dated XX/XX/XXXX, once again Im challenging inaccurate Items previously disputed ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX ). Dispute reason : remove this account because the Status updated date didn't change/updated, this irrefutable proof that no investigation was done as per FCRA remove for violation However, in the CRA dispute results report they claim the items was verified as accurate and updated but how could this be? when the date of status date didn't change/update after the investigation was done, this proves that no investigation was ever done. Status updated date didn't change/updated even though the CRA claimed that the inaccurate items reporting on my credit report was verified as accurate and their investigation is complete, but the Status updated date didn't change/updated to be a current updated date as per FCRA. 
It is to be noted that prior to dispute with the CRA, inaccurate items XXXX XXXX status updated date was ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX status updated date was ( XX/XX/XXXX ),  XXXX XXXX status updated date was ( XX/XX/XXXX ), XXXX XXXX XXXX status updated date was ( XX/XX/XXXX ), XXXX status updated date was ( XX/XX/XXXX ), XXXX XXXX XXXX status updated date was ( XX/XX/XXXX ), XXXX status updated date was ( XX/XX/XXXX ), XXXX XXXX XXXX these late payments are completely wrong. I need for you to remove this account because theres no way for you to legally verify XXXX This account can not be legally verified because failure to display and properly identify creditor name, address or phone number as per FCRA- remove violation XXXX This account can not be legally verified because failure to display and properly identify creditor name, address or phone number as per FCRA- remove violation XXXX This account can not be legally verified because failure to display and properly identify creditor name, address or phone number as per FCRA- remove violation After what is known as an investigation that was conducted and completed by the CRA, Equifax report still shows the Status updated date didn't change/updated.
Complaint sub-issue: Reporting company used your report improperly

I called Equifax today at XXXX because the current address listed on my recently obtained credit report was wrong. The representative I spoke to was located in the XXXX. I have not consented to having my credit information shared with call centers outside of the United States. I'm concerned about how my personal information and privacy is protected in third countries with weak contract enforcement and weak rule of law. This is especially true given the XXXX data breach that exposed the personal information of 147 million people. Equifax also could not tell me which credit company incorrectly reported to it in XX/XX/XXXX an address I lived at 8 years ago.
Complaint sub-issue: Reporting company used your report improperly

I the consumer XXXX XXXX have unauthorized inquiries present on my consumer report that originated from identity theft. 15 usc 1681c-2 states that consumer reporting agencies must block and remove inquiries related to identity theft. Unauthorized inquiries include : XXXX XX/XX/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 XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

On ( XX/XX/2021 XXXX XXXX XXXX Account # XXXX ) add a derogatory mark on my credit report per XXXX XXXX upon, further research, this account was transferred/ sold and i am no longer responsible for the account. Debtors ' creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA ( XXXX XXXX XXXX  Account # XXXX ) has violated my rights as a consumer and i am requesting legal action to remove this account immediately.
Complaint sub-issue: Account information incorrect

XXXX  agreed to accept {$350.00} as payment in full to resolve the account. The call was recorded and I have the recording. I mailed them the check and in exchange they were to resolve the account in full but they are still saying I owe them Money. They did not follow the terms in the attached letter but they did cash my check. My balance should be XXXX and they should honor their agreement.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Below are a cluster of inquires on my report that I did not authorize. I have been a victim of the inquiry issue that Equifax is having. I tried to talk to a representative to get these inquires removed but I was refused assistance. Again, these inquires were unauthorized. Please remove these from my report. 

XXXX XXXX XXXX  Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX   XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX   Credit Unions Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX XXXX  Credit Unions Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX Personal Loans Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Personal Loans Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX