Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Attempted to collect wrong amount

I was a resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, from XX/XX/XXXX to XX/XX/XXXX. I properly notified the XXXX property manager, XXXX XXXX, using the XXXX lease termination form, that I was vacating the apartment on XX/XX/XXXX. I left the keys and security dongle with the XXXX front office on XX/XX/XXXX. I paid all my rent through XX/XX/XXXX. 

However, weeks after leaving XXXX, XXXX XXXX sent me a letter claiming I had " skipped without notice '' and therefore I had forfeited my security deposit and owed an additional {$1000.00} in rent. This is a lie. I have the email I sent XXXX XXXX properly notifying her, on XXXX 's form, of my move out date. 

XXXX has filed a false claim with I.Q. Data International , Inc., a collection agency. I.Q. Data sent a letter to my parent 's house dated XX/XX/XXXX, which I first learned of earlier today, XX/XX/XXXX, when I came to visit them. I.Q. says I owe {$1100.00} to XXXX under transaction number XXXX. 

This is a false claim. I paid all of my rent payments to XXXX until XX/XX/XXXX. I properly notified XXXX of my lease termination. I can prove it with copies of the emails and attachments. I do not owe XXXX any money for rent after XX/XX/XXXX. I.Q. International has no right to attempt to collect this money from me. 

The contact information for the companies involved is : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, WA XXXX Doing Business in Nevada As : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX And, I.Q. Data International, Inc. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX
Complaint sub-issue: Didn't receive notice of right to dispute

Collection Company : Alliance XXXX, XXXX, FL In XX/XX/XXXX there was a debt collected which I did not dispute and pais in full. I Noted that the address the originating HOA had on file was incorrect and gave correct address as well as permission to coordinate payment with my property manager. Neither happened. The HOA still has and address I have not lived in since XXXX, and collection company has that address and addresses I have never lived on file. A new account was sent to the same collections in XX/XX/XXXX. Collections did not email me until XX/XX/XXXX, and added around {$2000.00} in fees since then. HOA has also sent emails showing both companies had a way to reach me and chose not to do so. Collection company also noticed " duplicate charges '' on the original balance sheet, further highlighting incompetence. I should not be penalized upwards to {$2000.00} because both companies, especially collections, did not do their due dillegence to contact me. Especially because collection companies are notorious for excessive phone calls/contact, it seems this was a tactic to let the fees stack up before reaching out. 

When explaining what had happened, collections responded with " it is the responsibility of the homeowner to pay their debts '', I asked how am I supposed to pay when I received nothing about what I am paying, who I am paying and where to pay it, the representative interrupted me saying that if I continue to be angry she is going to hang up on me. When I asked " you are going to hang up on me while I am explaining that you are ignoring everything I am saying? ", again she interrupted, said " yes '', and hung up.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have written to Equifax about my credit report on several occasions ( XX/XX/XXXX, XX/XX/XXXX and called them a few times ). The first problem is that they have listed on their a XXXX bankruptcy from public records. I told them this is incorrect, and they still have it listed on there and show me no proof of where they received this information. I asked them to remove it. Still nothing to date. 

Second, I wrote to them and sent proof about XXXX XXXX c/o XXXX that my insurance paid the amount they are contracted. They still didn't accept this, and won't remove the inaccurate findings. 

Third, I have a XXXX XXXX c/o XXXX Account and asked for proof the debt from them and the proposed debtor as I don't recognize, nor did I ever have this account. To date, no information was provided and it still remains on my account. 

Lastly, XXXX is another health provider issue where my insurance paid the contracted amount, and I sent proof and they still have the information on my account. 

When I call them, they say they can't talk to me because of my identity issue. However, they can send me a letter stating that they completed the investigation and they state its accurate although I sent them proof. 

In addition, I have a student loan that is closed/written-off. Just in XXXX, they state that the loan monthly payment went up XXXX and my credit score went down 54 points because of this. Is this even legal.
Complaint sub-issue: Reinserted previously deleted info

on XX/XX/2016 I checked my credit report and all my inquires was deleted, when I log on today all of my inquires were back on my report
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Multiple hard credit inquiries from multiple sources. 

Sources as listed on XXXX XXXX from Equifax : XXXX - Auto Finance ( XXXX XXXX 2020 XXXX XXXX, XXXX XXXX XXXX XXXX, 2020 XXXX XXXX XXXX Dealer XXXX XXXX XXXX XXXX, 2020 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 2020 XXXX Sources as listed on XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2020 XXXX XXXX XXXX XXXX XXXX, 2020 XXXX XXXX XXXX XXXX XXXX XXXX, 2020 ) I suspect I am a victim of identity fraud.
Complaint sub-issue: Debt was paid

Upon looking into my credit report I discovered I had a debt for Home Depot " THD/CBNA '' with a debt of {$370.00} from XX/XX/2005 and I still have the account and my account is up to date.
Complaint sub-issue: Threatened to take legal action

XXXX XXXX of XXXX and XXXX has sent me a letter with an attached example of the lawsuit he will file if I do n't make payment arrangements on a debt from XXXX/XXXX/2011, which is out of the statute of limitations. I 've responded numerous times to settle the debt and no response but further treat of legal action.
Complaint sub-issue: Reporting company used your report improperly

Recently, i requested an investigation from all three bureaus of my credit report, and they all said the accounts were verified and 100 % accurate. So I ordered my credit report and found alot of inaccurate, mis dated, invalidated, unverifable and questionable items that your agency didnt make sure it was reporting 100 % accurate. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

The credit bureaus reporting agencies stated that these accounts were properly investigated and came back verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C 1681 ( 7 ) method of verification- Description of reinvestigated procedure
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX XXXX. 
XXXX, OH XXXX ACCOUNT # XXXX This account never went to a charge off status, which for unsecured credit is 180-days late. This is the law that pertains to the FDIC Act, Code 5000. It takes 180-days late, or a total of 210 days from last payment before an unsecure credit trade line can be values as sub-standard. Accordingly, even though XXXX XXXX was satisfied in full, there is no exception on a charge off tradeline unless the 180-day late timeline has materialized. Therefore, the Charge-Off status is outside the legal guidelines, and must be deleted permanently. 

THIS CHARGE OFF TRADELINE MUST BE DELETED PERMANENTLY!!!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have inquiries on my credit report that I didn't authorized and unaware of. 

XXXX XXXX XXXX Finance XXXX XX/XX/XXXX XXXX XXXX Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX BANK XXXX XXXXXXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Complaint sub-issue: Debt is not yours

Acima credit has placed an account on my credit report that is not mine it is from a furniture company the furniture was delivered to an address that is not mine nor have I ever lived there I had previously had an account with Acima that I paid in full this address is now on my credit report since this happen I have asked for it to be removed and also the collection and late payments.aAnd when I notified Acima for info on the store I was told it was gone out of business.
Complaint sub-issue: Problem getting your free annual credit report

I have been trying to get a copy of my free annual consumer report from equifax and am unable to do so because  XXXX  only has automated options there is no option to talk to a  XXXX  rep at all very frustrating
Complaint sub-issue: Reporting company used your report improperly

I've tried reaching out to Nelnet about the violations that they committed as far as my rights are concerned, 15 US Code 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, It clearly states ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( 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 ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I never received a Form or anything about this company sharing the information that i submitted to them. and I would have thought out of all companies that this company would know not to just report anything on my consumer report. Because 15 US Code 1681 ( a ) ( 2 ) ( Exclusions ) -Things that aren't supposed to be included on a consumer report. Information solely as to transactions or experiences between the consume and the person making the report, this does not include Consumer- is an individual ( Me ), Person- Any individual partnership, corporation, Trust estate , cooperative association , government, or governmental subdivision or agency, or other entity. Experiences & Transactions-Applying for a loan, credit cards, late payments, high utilization, charge off ( s ) collection accounts, Judgements, Repos, Bankruptcy. Any authorization or approval of a specific extension of credit directly or indirectly by the issuer or of a credit card or similar device. You don't have permissible purpose to be on my consumer report by law you have no permissible purpose to contact third parties with my private or personal information 15 USC 1681a speaks on a consumer right to privacy.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. I am not happy to see that my credit report contains accounts that are fraudulent.
Complaint sub-issue: Reporting company used your report improperly

I have over 90 unknown/fraudulent inquiries on my Equifax credit report. I recently read an article that mentioned how Equifax failed to provide accurate scores for consumers. After careful review of my report, I notice DOZENS of inquiries that I never even authorized. Any recommendations would be greatly appreciated. My credit score has already caused me a great deal of financial loss. Monetary compensation has not been offered, so I am simply requesting a clean report as a result of the multiple violations that will go unpunished. Delete all information shared on my report. This ordeal has almost ruined my life!
Complaint sub-issue: Talked to a third party about my debt

On Monday, XXXX XXXX, 2015, My next door neighbor received a voicemail message from a XXXX XXXX, Sallie Mae Student Loans, who left a phone number XXXX, ext. XXXX, asking my neighbor to contact me about someone I am related to, regarding time sensitive information she had for him. 
This is very disturbing and a clear violation of privacy.
Complaint sub-issue: Didn't receive notice of right to dispute

IQ DATA INTERNATIONAL {$4200.00} XXXX XXXX. 
UNDER 15 U.S. Code 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I, XXXX XXXX XXXX never gave IQ DATE INTERNATIONAL any written consent to report anything on my consumer report. No consent is Identity Theft.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX, Equifax and XXXX are reporting 2 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Complaint sub-issue: Account information incorrect

Hunter Warfield Collection Agency is continuing to report a debt on my credit reports that has been settled. On XX/XX/2020 XXXX XXXX XXXX XXXX, who is representing Hwarfield on this debt, received a certified letter from me that included a settlement letter and settlement check. The letter clearly stated the terms of the agreement that if they accept the settlement check and cash it, they agree to remove the collection fully from my three credit bureau reports. On XX/XX/2020 XXXX XXXX cashed the check. As of XX/XX/2020 the collection is still appearing on my three credit bureau reports. The balance owed, however, has been reduced by the amount of the settlement check. On multiple occasions I have attempted to reach them on the phone and keep getting the run around.
Complaint sub-issue: Their investigation did not fix an error on your report

I am very distressed due to the fact that I have been contacting Equifax since XX/XX/2021 about the incorrect information on my credit report. They have been sending me stall tactics and they have violated my consumer laws. 

Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice, congress said ANY card, The Credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should alb removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that they remove this transaction from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 

This is the account that is incorrect and needs to be deleted and blocked XXXX XXXX XXXX This inaccurate information is causing me distress and it is going to continue to cause me stress until they remove this account. It has been over 4 months they have been violating me and wasting my time. XXXX  deleted the account because they violated my consumer rights!
Complaint sub-issue: Account information incorrect

I filed a complaint about this already ; however, the information is on all XXXX credit reports. On XXXX XXXX, XXXX I looked at my credit report from XXXX XXXX it showed a payday loan from XXXX XXXX XXXX. 
I do not recall ever taking out a payday loan from them or the XXXX the alleged original creditor. 
I called all the numbers for XXXX XXXX XXXX found on the internet and provided on the credit report, none are good working numbers. 
I have never received a collection agency call or letter, a validation letter, a chain of title showing this collection agency owns this debt, nor a balance, it is fraudulent. 
On XXXX XXXX, XXXX I found that all XXXX major credit reports show this debt. 
XXXX violated the XXXX XXXX XXXX XXXX by reporting a debt without sending me notice and verifying that in fact it is mine and the balance is correct and the statute of limitations has not run. This collection agency is operating in the shadows and does not seem to really want to resolve debt nor operate within the law. The company should be fined and this debt taken off all credit reports immediately.
Complaint sub-issue: Debt is not yours

PROCOLLECT , INC has placed a negative item back on my credit report after 7 years has past.
Complaint sub-issue: Was not notified of investigation status or results

Ive tried contiously over and over again but the credit bureaus have yet to respond to my investigation. THIS NEEDS TO BE HANDLED IMMEDIATLEY! I need these accounts that arent mine to be removed from my credit report NOW! It has been over 30 days and they still havent been removed. So, I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The item I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.
Complaint sub-issue: Reporting company used your report improperly

My account is impacted by the equifax data breach.
Complaint sub-issue: Account status incorrect

This account contains a finance charge, which is the sum of all charges. Upon using my Credit Card ( social security card ) this account was paid in full and shall not ever been late. These payments need to be updated to paid as agreed because the payments were received.
Complaint sub-issue: Transaction was not authorized

In early XXXX US Bank stopped sending me bank statements. Initially I was alarmed because I thought they had been taken from my mailbox. Later I noticed that emails were being sent directing me to statements on line ; I do NOT want this information sent electronically. XX/XX/XXXX I applied for a mortgage and needed statements which I couldn't get from the on line link. Drove to the bank in XXXX XXXX, MN, where I noticed 4 employees in the teller area ; I was the only customer. Requested my statements from the teller. Couldn't do that- the teller called another person, a Mr XXXX XXXX who told me to make an appointment to get statements. I said I'd been banking at US Bank for 40 years, was a former employee ( top production person and helped establish the mortgage company now US Bank XXXX XXXX XXXX and I had never asked for my paper statements to be discontinue and wanted to get them. XXXX replied that was of no consequence, make an appointment and pay {$6.00} per statement per month. REALLY? I never felt getting an accounting of what was going on with my money was a favor or that I needed to pay to get that information. Although I didn't demand immediate results, I found this alarming in that there was no apparent reason I couldn't obtain this information being outnumber XXXX to XXXX by employees. Now I am going to be taking more time off work to go back to the bank obtain information that should be readily available to me. Was told to bring in my computer ( I actually did make an appointment regarding bank bill paying, took time off work and dragged my computer to the bank in the middle of the pandemic and was stood up for the appointment. Not doing that again. ) Don't want statements on line anyhow. This problem is unresolved.
Complaint sub-issue: Reporting company used your report improperly

To whom it may concern, This serves as written notice that I have rights under 15 USC 1681.

15 USC 1681 section 604A section 2 states A consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

My consumer rights have been violated Numerous times and dismissed despite prior written request to update records. 

On XX/XX/2022 certified letters were sent to Equifax, XXXX and XXXX to update my personal information which was not done. Also on the same date I requested the following accounts be removed
Complaint sub-issue: Information belongs to someone else

Please see identity theft report. I have consistently disputer fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Complaint sub-issue: Personal information incorrect

Incorrect personal information reported on my credit file. These names, phone number and addresses are not associated to me. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Trouble with how payments are being handled

My IDR was denied and no reason was given other than they would send me a letter. Naturally, I tried calling as soon as I got the email but they were already closed for the holiday ... my loan replayment plan ends XXXX. Last year with my repayment recertification, they made me go into forbearance for more than a month while they reviewed my application. This year, I made sure to recertify in a timely manner. My job and income have not changed yet for some reason my IDR was denied. I strongly dislike XXXX XXXX. I feel they intentionally place obstacles in the way to cause your loans to back up and need to go into forbearance.
Complaint sub-issue: Information belongs to someone else

I have attched letter and FTC report.
Complaint sub-issue: Problem accessing account

TCF is failing to report my banking information to a company that I use to access funds in a timely manner. The delay in providing information is creating a delay I need to access funds.
Complaint sub-issue: Personal information

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX is not my address. I 've never lived in XXXX. 

My current address is XXXX XXXX XXXX XXXX, XXXX XXXX. I 've lived at this address for 10 yrs. please remove the XXXX address from my credit report. Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX IS REPORTING XXXX XXXX ON MY CREDIT REPORT. I HAVE ASKED FOR VALIDATION OF THIS DEBT IN WRITING TO ME FROM XXXX. THIS ACCOUNT IS PAID IN FULL AS A TITLE LOAN.