Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX I am filing this complaint myself I am not a third party nor an attorney. 
The reason for my dispute is -FINANCIAL DATA SYSTEMS # XXXX {$510.00}, -FINANCIAL DATA XXXX XXXX XXXX $ XXXXwas required to notify me no later than 30 days after furnishing the negative information to credit bureau XXXX XXXX in writing... under such section XXXX, subsection ( XXXX ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' XXXX days prior to placing this derogatory item on all of my credit reports, per Section 807 ( XXXX ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( XXXX ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors.
Complaint sub-issue: Trouble with how payments are being handled

I have been making additional payments on my loan, above and beyond my minimum monthly payment. I have requested these payments go toward my principle balance only in order to reasonably get out of my own debt quicker. However, the company informed me that Unfortunately as outlined in your promissory notes we must first apply payments to accrued interest, then to any fees ( if applicable ), and finally, to the principal, your daily interest accrual is {$4.00}. 

I do not doubt that this statement is correct. However, I believe this practice and policy directly violates my rights. Here is a relevant quote from the Consumer Finance website : All student loan borrowers have the right to make extra payments ( known as prepayments ) at any time, without any fees or penalties. If you can afford it, paying a little extra each month or making a lump sum payment towards your principal is a great way to lower the total cost of your loan. Not only do you pay down your debt faster, but you save money on interest charges over time. 

This company is denying me the right to do just so.
Complaint sub-issue: Account status incorrect

My dispute involves a missed payment reported by XXXX XXXX  to the credit bureaus for a credit card, Account # XXXX XXXX XXXX XXXX. This credit card account was stolen in the Fall of XXXX and used to make significant unauthorized purchases overseas. XXXX XXXX never informed me of this. The card account was also set up for automatic payments. 

After discovering the fraud, I contacted XXXXXXXX XXXX I was advised not to make any payments for the fraudulent purchases. The fraudulent purchases were reversed, and I was also advised that any resulting late fees regarding them would also be reversed. All of the fraudulent charges were reversed. I was issued a new card, and told all of the information would carry over to the new account. I have always used auto pay on all my accounts, which is why I have never missed or made a late payment. 

Despite being told auto pay would carry over to the new card, I noticed right after the due date in XXXX of XXXX that the payment did not process. I immediately made a one-time payment, and called customer service as to why it was not processed. The CSR representative acknowledged it was the fault of XXXX XXXX that the auto pay apparently did not transfer over. As part of this acknowledgment, all of the late fees and interest charges were refunded to my account, which is why my credit card account currently has a negative balance. Auto pay was then set up again. I was also assured that it would not be reported as late or missed to the credit bureaus. 

After dealing with this, I was not only surprised but angered that XXXX XXXX reported my account to the credit bureaus as having missed a payment. This caused my credit score to drop over XXXX points. 

I made a formal complaint to XXXXXXXX XXXX after filing complaints with the credit bureaus and no changes were made. XXXX XXXX then denied my request to have the late payment removed from my credit history with them, and thus with the credit bureaus.
Complaint sub-issue: Problem with statement of dispute

My son filed for bankruptcy he is a XXXX, Equifax is reporting his bankruptcy on my credit report. 
I have spoken with the US Bankruptcy Court XXXX and XXXX Consumer Service neither has this in their data base as being mine. Only Equifax is reporting this inaccurate information. I have being trying since XX/XX/2017 to get this off my credit report to no avail.I am attaching a copy of my son 's bankruptcy discharge papers to show this is not mine.
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted several requests to have the date of first delinquency correctly reported for the XXXX XXXX Account listed on my credit file. I submitted proof along with my request. However my proof is constantly disregarded. Due to the first date of delinquency being reported incorrectly, the file is not aging correctly and is affecting my credit scores. Interest rates continue to rise and this file has prevented me from refinancing my home and has resulted in financial harm to me.
Complaint sub-issue: Problem with fraud alerts

my credit is wrong i never had a credit card or apply for any credit card
Complaint sub-issue: Threatened or suggested your credit would be damaged

I contacted the payday loan company in 2017 and agreed to pay off the debt. We agreed that I could settle the account for {$300.00}. The accounts shows that I paid full payment but it still shows derogatory on my credit reports. This is really hurting my chances to establish credit.
Complaint sub-issue: No notice of investigation status/result

I have ask EQUIFAX XXXX times, to provide me with a copy of the original signed credit application and signed contract to provide proper verification of the account listed below. Per FCRA sec 609 ACCOUNT : XXXX XXXX ACCOUNT NUMBER : # XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/XXXX, I submitted a dispute with Equifax to remove two hard inquiries ( made on XX/XX/XXXX and XXXX ) on my credit report that I did not recognize and were not authorized by me. However, their investigation ( returned on XX/XX/XXXX ) did not find an issue with either one. I was able to contact the company that made the hard inquiry on XXXX and they verified, based on the personal information I provided, that it was a fraudulent attempt to open a new line of credit in my name and informed me that they would remove the inquiry from my credit report. As of XX/XX/XXXX, the second hard inquiry on XX/XX/XXXX and fraudulent attempt to open a new credit line in my name hasn't resulted in a new account ( to my knowledge ), but I've been unable to figure out which company address or phone number to contact and verify this and to have the inquiry removed from my credit report.
Complaint sub-issue: Account information incorrect

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by EQUIFAX. Despite sending them the last letter, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ;
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I made a purchase online from XXXX. During the checkout process, XXXX offered a XXXX XXXX option of 6 easy payments of {$49.00}. At no point during the checkout process, did XXXX notify me that a credit report would be pulled in order to use XXXX XXXX. In fact I never entered a Social Security number which is usually required to apply for credit. There was no notification, no pop-up box saying selecting value pay would authorize XXXX XXXX To pull a credit report. The item was {$300.00}, I have {$21000.00} in available credit and did not need to use XXXX XXXX. It gave me the option, and there was no disclaimer about how it worked. I made the purchase, chose XXXX XXXX and checked out. The very next day, I received a notification that there was a new inquiry on my credit report. I looked and to my shock, it was from XXXX XXXX. I immediately reached out to their credit department, and spoke with a representative there. She told me that Equifax allows them to only submit Name and Address to pull credit reports, and this was how they were able to obtain my credit report. How is this even allowed. I thought requesting credit required a social security number. Anytime in the past when I have applied, that is the one piece if information that I must supply. Needless to say, I told her that this was deceptive business practices and to have the inquiry removed. She told me they could not do that, and I would need to reach out to Equifax directly. So I went online to Equifax and disputed the inquiry on my credit report. I received an email back that they validated the information as correct and that I authorized XXXX  XXXX  to pull a credit report without my social security number. I believe these are false and deceptive business practices and I need this to be investigated by the CFPB. No one should be able to obtain a credit report without my express consent or without me providing my social security number.
Complaint sub-issue: Information belongs to someone else

It 's been well over a year now, and I 'm still battling with Equifax to review my statements and remove the remaining collection accounts. After reading their website, the FTC internet site, and justice departments website I gained the instructions to fix your credit when identity theft happens. All required documents have been submitted, and these companies wo n't comply. This is my second complaint against them. I know deep down that they are Intentionally keeping these accounts on my reports and other Americans so they can continue to collect monthly reporting premiums from the collection agencies. Why else would they review my documents and completely ignore them? Every time I call there is a person with a thick accent that is trying to sell me credit monitoring!! All they care about is money, and the CEO 's and leaders of these companies should be ashamed of themselves. These collections are keeping me from moving forward on some life goals so my family can have a nicer school to attend. Thank you CFPB for being here for us.
Complaint sub-issue: Information belongs to someone else

I spoke with an agent from EQUIFAX about my equifax score early XX/XX/XXXX because their were several things on my credit report that do not belong to me and are negativly impacting my credit score, equifax shows roughly 100 points lower than the other 2 reporting agencies. The following accounts do not belong to me XXXX XXXX XXXX XXXX open XX/XX/XXXX {$34000.00} XXXX XXXX XXXX XXXX open XX/XX/XXXX {$2100.00} XXXX XXXX XXXX XXXX open XX/XX/XXXX {$10000.00} XXXX XXXX XXXX XXXX open XX/XX/XXXX {$4300.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX open XX/XX/XXXX {$17000.00} XXXX XXXX XXXX open XX/XX/XXXX XXXX XXXX open XX/XX/XXXX {$760.00} XXXX XXXX XXXX XXXX XXXX open XX/XX/XXXX {$72.00} XXXX XXXX XXXX open XX/XX/XXXX {$30.00} XXXX XXXX XXXX XXXX OPEN XX/XX/XXXX XXXX XXXX XXXX OPEN XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I was checking my credit report and i saw account which i never applied, i had my wallet stolen, so i guess someone used my personal information. I am disputing this debt because I do not owe it. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C.

1692 ( c ).

Thank you for your attention to this matter.
Complaint sub-issue: Information belongs to someone else

This card had been opened in my name for a couple of years. I had shared my concerns with XXXX XXXX that this was not my account. Instead they charge off the card and I owed a balance. I end up paying the balance but asked them to remove the card from my report as it was not my card. As a result they claim that they would remove it but never did. XX/XX/2019 the card was closed and never removed from my report. I have contacted them numerous time and this had no purpose. I am asking that this be removed from my report due to identity theft.
Complaint sub-issue: Account information incorrect

THIS IS ANOTHER ATTEMPT AT GETTING THIS ISSUE RESOLVED. XXXX XXXX XXXX XXXX XXXX ARE ILLEGALLY REPORTING DUPLICATE INFORMATION ON MY CREDIT. XXXX XXXX CLAIMS TO HAVE SOLD THE BALANCE TO XXXX XXXX YET, XXXX XXXX IS STILL REPORTING A BALANCE. XXXX XXXX IS ALSO REPORTING THE SAME EXACT BALANCE + INTEREST. THIS IS AN ILLEGAL DUPLICATE REPORTING AND HAS CAUSED ME FINANCIAL BURDEN AND FINANCIAL OPPORTUNITY ALL YEAR. I CAN'T MAKE UP THE TIME LOST FOR THIS MISTAKE NOR THE TIME IT HAS TAKEN ME TO TRY AND GET THIS RESOLVED. XXXX, XXXX, EQUIFAX ... YOU ARE REPORTING A DUPLICATE BALANCE WHICH IS ILLEGAL. PLEASE DELETE BOTH ACCOUNTS MENTIONED ABOVE AND/OR RECTIFY THE BALANCE.
Complaint sub-issue: Right to dispute notice not received

the company ENHANCED RECOVERY CORP is currenty reporting a collection account on my credit file that i have no knowledge of. I was never sent a DV before they decided to report on my credit file. This is not my account and i do n't know why they are reporting this debt on my credit file
Complaint sub-issue: Credit denial

Adverse action discrimination is against the law Consumer/natural person XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX GA XXXX ALLY BANK XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : APP NR XXXX RE : APP NR XXXX RE : APP NR XXXX how are doing TO WHOSOEVER IT MAY CONCERN YOU BROKE THE LAW I am writing this communication in regard to an adverse actions after filing out a consumer credit transaction applications with XXXX of XXXX I was discriminated against in this transaction my rights have been violated by making an unlawful decision congress has made it clear and concise that that i the natural person can not be discriminated for exercise my right to extended credit matter what the situation is pursuant to federal laws for example 15 usc 1602 ( f ) the term credit means the right grand by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. 

My consumer credit card account was used and I did not receive ANY benefits from this transaction Pursuant to 15 usc 1602 ( p ) unauthorized use of my credit. the term unauthorized use, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 



Pursuant to 15 usc 1691a I the consumer the natural person the applicant has in good faith excursed my right under this chapter. To extend credit.

Pursuant to 12 cfr 1002 Equal credit opportunity act ( Regulation B ) so an and so forth I got the proof that I was discriminated against by ALLY Bank and for that your now criminally liable for violating these laws With these discriminable action ALLY BANK is now involved in racketeering, fraud and swindling. and so, on I am willing to let this go if ALLY BANK do the right thing and reverse this decision and combine all offers made in one sum for a new property If not, I will pursuit forth lawful action. 

ALLY BANK has 20 days to remedy this action or I will proceed with forth LAWFUL action. 



NOTICE IS COMPLETE UPON RECEIPT I TRIED TO CALL GOT VOICE MAIL TWICE THANK YOU YOURS TRULY XXXX XXXX Looking forward for your speedy correspondence
Complaint sub-issue: Account status incorrect

On XXXX, XXXX, XXXX, I entered into a contract with XXXX, an online car dealer, to purchase a XXXX XXXX XXXX. After discovering numerous negative reviews and a revoked XXXX  rating, I decided to cancel contract on XX/XX/XXXX. I confirmed with sales rep that car was yet to be shipped. I was refunded my {$500.00} deposit, and was assured that lender would be contacted, regarding loan agreement. I received emails confirming cancellation and informing me that car was relisted for sale. 

On XX/XX/XXXX, I received an invoice from Ally Financial, regarding the vehicle that was canceled. Ally states that they never received cancellation notice, and are attempting to collect payment for a vehicle that I do not have. Ally would not access any confirming emails that contract was cancel. Daily calls have been made since XXXX, in the attempt to get XXXX to contact Ally. All customer service reps stated they were unable to help, and would have to transfer me to the " Buy Back '' department. Each transfer resulted in either a dropped call, or a dead end voicemail. Despite leaving numerous voicemails, i have not received any call back from XXXX.
Complaint sub-issue: Funds not received from closed account

In the midst of the pandemic my boss took over the payroll duties temporarily. He made out my payroll check for {$2900.00} However in the description line he wrote XXXX XXXX XXXX XXXX dollars and XXXX XXXX cents. He did not notice the error and I did not catch it, I mobile deposited the check and it went through the drawn on bank. Citibank subsequently froze the account from the XX/XX/XXXX deposit to investigate. They determined that even though they could find no evidence of fraud they decided to close the account as well as my savings and I was informed that this would take place in 60 days. After numerous phone calls and stalling by them and statement notification of closure as of XX/XX/2021 I have still not received my funds of {$5700.00}. There has been more than enough time for this bank to refund my money. I have called and been promised and lied to non stop. I want this practice of freezing accounts and withholding of funds to have accountability by regulators and investigated as discriminatory since by anectdotal accounts by others- XXXX XXXX XXXXXXXX and XXXX sounding surnames are disproportionally affected by this practice. I will be more than happy to testify against Citibank.
Complaint sub-issue: Frequent or repeated calls

Repeated, continuous calls all day everyday as soon as I 'm 1 day late on my payment to Conn 'S and calls continue everyday, all day until payment is made. I could be just 1 fay past due and I get harassed. No other company does this to me, not even my mortgage lender or my car loan company!
Complaint sub-issue: Account information incorrect

I opened an account with XXXX XXXX about 5 years ago and I have noticed another company stating that I owe XXXX XXXX who I think is XXXX XXXX {$1300.00} and I do n't know I do n't have any bills stating i owe this amount to them and also I never open any account with XXXX XXXX they are saying I opened an account with them as well as in the payment history its not complete its saying I have never made a payment to XXXX XXXX and also that I am failing to pay them how is this accurate I can not pay money to a company I do n't know i do n't know what they are trying to do to me but I had to reach our for help I have tried other measures such as calling but I have not had any luck.
Complaint sub-issue: Didn't receive enough information to verify debt

On XXXX XXXX, 2017 AR Resources placed an account for the amount of {$1000.00} on my credit report in violation of the Fair Credit Reporting Act. AR Resources failed to notify me and provide adequate documantation to validate the debt is mine prior to placing it on my credit report. I have no knowledge of the account AR Resources is attempting to collect on. Furthermore, this dept appears to be of a medical nature. If this debt has derived from my medical history, it is in violation of HIPAA.
Complaint sub-issue: Information belongs to someone else

Over the past year on a monthly basis, I have been contacting Equifax in reference to fraudulent accounts opened and requesting deletions and investigations from my credit file. Equifax still to this day still has an incorrect date for my birthdate as well even after several attempts I have sent to have this corrected. Equifax has responded to my complaints stating they have verified these accounts were mine. I have decided to contact the creditors directly as Equifax is choosing to defame my credit file with incorrect information. I contacted XXXX XXXX on XXXX/XXXX/XXXX in reference to a collection account that was not mine. Below is the response from XXXX XXXX : Company responded Status Company responded on XXXXResponse TypeClosed with explanation Company 's Response We are in receipt of the consumer, XXXX XXXX 's, second complaint. This shall serve as XXXX XXXX XXXX XXXX XXXX XXXX 's ( " XXXX '' ) response to same. As stated in our response for case # XXXX, XXXX  deleted the tradelines for the account in question in XXXX. XXXX  reports the same information at the same time to all three of the national credit reporting agencies ( " CRA '' ), TransUnion, XXXX, & Equifax. As the consumer stated, XXXX and XXXX have deleted the tradelines. XXXX utilizes XXXX reporting requirements as agreed upon by all of the CRAs. Once XXXX has notified the CRAs to delete the tradeline, it is up to them to delete it from the consumer 's credit reports. However, XXXX will submit a second " XXXX '' XXXX XXXX XXXX XXXX ) to the CRAs in an attempt to expedite the removal from the Equifax tradeline. 


Per the above response Equifax was instructed in XXXX to delete the XXXX XXXX collection from my credit file. However, Equiafx has reported on every dispute that this debt was verified. This is a blatant disregard for my credit file and is actively reporting incorrect information. This account was to be deleted in XXXX and as of XXXX XXXX, XXXX, this derogatory account is still incorrectly reporting in my credit file. I have several other items that I have disputed that Equifax has stated has been " verified '' as well that I am adamant are not mine.