Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

I have documents of my security freeze placed XX/XX/2021, with extended fraud protection. but still see inquiries on my account, as a Victim of fraud, Key bank, XXXX  and other institutions, used and complied incorrect information about mw with out letting me make corrections to these accounts that did not seem recognizable. these companies did not investigate this mater as I have a written letter to the data furnishers that the information I had got verified with notary did not match their records, there fore they are resorting to report the wrong information. this led to Injury to my credit report and credit score.

FCRA Section 604 ( A ) ( 3 ) was violated I can show all corresponding documentation for letters and how they have not changed the correct information for this I have been denied finical services in the pass and housing options. This creditor/Collection agency, failed to report a disputed debt to the credit bureaus. Protection under the FDCPA FDCPA Section 807 ( 8 ) I demand KeyBank complies or i will be using all documentation as evidence to show in court I have documents of my security freeze placed XX/XX/2021, with extended fraud protection. but still see inquiries on my account, as a Vitim of fraud, Key bank did not investigate this mater as I have a written letter from the data furnishers that the information I had got verified notary did not match their records, there fore they are presorting to report the wrong information. this led to Injury to my credit report and credit score.

FCRA Section 604 ( A ) ( 3 ) was violated I can show all corresponding documentation for letters and how they have not changed the correct information for this I have been denied finical services in the pass and housing options. This creditor/Collection agency, failed to report a disputed debt to the credit bureaus. Protection under the FDCPA FDCPA Section 807 ( 8 ) I
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have contacted Equifax 7 times in the last 8 months to clear up a collection on my record. The collection was cleared. Equifax has not responded to my letters, emails and they have their online dispute system locked. Equifax has other misleading information on my account and they have not responded to anything.
Complaint sub-issue: Was not notified of investigation status or results

Sir, I am XXXX years old and a Veteran. For the last several years I have paid ALL of my bills with the Bank 's ( XXXX XXXX XXXX ) " Auto Pay '' system. I have always set the Auto Pay at 2 to 3 times larger than the minimum amount of the bill. Recently I notice that one of my two bank credit cards had 5 fraud charges on it. This card has never been out of my possession. I confronted my Bank and they checked and found that all XXXX charges were frauds. They said they would retrieve my money from 4 of the 5 fraud charges. However, they told me that because I didn't spot them giving my money away for 85 days on the 5th fraud that they would not do anything about it. They said that it was their policy to not do anything about a fraud that was over 85 days old. So I changed Banks to XXXX XXXX XXXX. I paid off the balance on both credit cars from XXXX  XXXX XXXX. 
I tried to get one credit card from the new bank. They turned me down saying that Equifax had told them that I had " Multiple Seriously Delinquent Accounts '' so I contacted Equifax to see this report and got no response in a couple of weeks. So I called them and they sent a report to me in a week but two reports arrived on the same day. In the report was only one company claiming past due payments. ( $ 60+ ). This company was XXXX XXXX. I had canceled their service due to them changing my phone service several times without my approval so I talked to an attorney and he advised me to pay with a check, not a credit card, and to write on the check " Paid in Full '' after their agent at their outlet store told me the total of my bill as I cancel the service.. This $ 60+ bill was put on my account AFTER I had canceled the service and paid it in full. I have sent letters to Equifax about this and they will not respond.
Complaint sub-issue: Debt is not yours

Civil case hearing on XXXX XXXX, XXXX in XXXX XXXX court resulted in the case dismissal. 
The case was dismissed in Civil Court by the judge due to fraud. There is no responsibility/liability for the auto loan in the amount of {$25000.00}. 
Also, an answer & affirmative letter written by myself was submitted to the court and sent on XXXX XXXX, XXXX to the attorney which represented XXXX XXXX XXXX demanding that the loan is removed from the XXXX credit report. The letter included detail information which was presented to the court at the time of the hearing. 
This fraudulent auto loan was also disputed 3 times directly with XXXX to no avail. 
Prior to the civil hearing the same complaint was also submitted to the consumer protection bureua ( XXXX ) for investigation on XXXX XXXX, XXXX. 

Reporting information that XXXX XXXX XXXX knows to be inaccurate violates the Fair Credit Reporting Act. Reporting invalidated information to any credit reporting agency, said action might constitute fraud under both Federal and State laws.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/XXXX, I received a e-mail, stating that the loan I applied for ( on line ) on XX/XX/XXXX, was denied. There was no name or amount given. They indicated that they accessed my credit report. I Did Not Apply for a loan from this Organization. My Social Security Number and Identity were Stolen around XXXX. I Suspect, this attempt to obtain a loan, is from one of the Thieves, that stole my Social Security Number. I want this Organization to know that they Fraudulent obtained my Credit Report. This better not impact my Credit Report, or I will Sue them for Identity Theft. I did ask them to send me a copy of my application, they refused. Please address this matter, as soon as possible. I'm not sure if this Organization are the Scammers, Themselves.
Complaint sub-issue: Their investigation did not fix an error on your report

I have tried disputing XXXX XXXX XXXX  with 2 of the credit bureau and they are not listening to my concerns. XXXX XXXX XXXX will not send me the detail of the charges or the contract or lease. They have also put 2 accounts on my credit report which is unfair and making my credit suffer. XXXX and XXXX how can I have 2 accounts. 

When I contacted XXXX XXXX XXXX XXXX stated I only owed XXXX so how did XXXX XXXX come up with so much. I want these accounts delete.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX  XXXX XXXX # 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: Trouble with how payments are being handled

Hello, My complaint is with regards to my payments on 3 of 6 accounts I have with Great Lakes loan services. I am currently on deferment and I am aggressively paying towards decreasing the interest and principal on 3 unsubsidized loans I have with Great Lakes. These loans are named XXXX  XXXX, XXXX XXXXXXXX and XXXX   XXXX. 

Unfortunately, I do not have a record of the amounts owed for each of these accounts prior to making my first payment on XX/XX/XXXX ( below ), so I do not know if the money was allocated as I had authorized. 

On XX/XX/XXXX I authorized the following payment with clear acknowledgement from the representative of how the money was to be allocated with verbal read back : XX/XX/XXXX payment confirmation # XXXX of total payment of {$1000.00}. {$960.00} towards interest on tXXXX XXXX with {$34.00} towards principal on XXXX XXXX 

As of XX/XX/XXXX the balances for each account was as follows : XXXX XXXXXXXX Total Balance : {$6000.00} [ Principal Balance ( {$5400.00} ) + Interest Balance ( {$610.00} ) ]. 

XXXX XXXX Total Balance : {$8700.00} [ Principal Balance ( {$8700.00} ) + Interest Balance ( {$12.00} ) ]. 

XXXX XXXXXXXX Total Balance : {$4100.00} [ Principal Balance ( {$3800.00} ) + Interest Balance ( {$240.00} ) ]. 

OnXX/XX/XXXX I authorized the following payments with clear acknowledgement from the representative of how the money was to be allocated with verbal read back : XX/XX/XXXX payment confirmation # XXXX of total payment {$1100.00}. {$870.00} towards interest ( XXXX XXXX : {$610.00}, XXXX XXXX : {$12.00}, XXXX XXXX : {$240.00} ). {$320.00} towards principal ( XXXX XXXXXXXX : {$200.00}, XXXX  XXXX : {$120.00} ). 

OnXX/XX/XXXX I logged on to my account to see if the authorized payments had processed and found that the allocation of money was arbitrarily allocated. 

As ofXX/XX/XXXX the balances for each account was as follows : XXXX XXXXXXXX Total Balance : {$5600.00} [ Principal Balance ( {$5400.00} ) + Interest Balance ( {$190.00} ) ]. 

XXXX XXXXXXXX Total Balance : {$8200.00} [ Principal Balance ( {$8200.00} ) + Interest Balance ( {$12.00} ) ]. 

XXXX XXXXXXXX Total Balance : {$3800.00} [ Principal Balance ( {$3800.00} ) + Interest Balance ( {$3.00} ) ]. 

Nothing was paid towards principal on XXXX XXXX, which should have been {$120.00} as I requested as well as my request to completely pay off in full all interest ( {$610.00} ) on XXXX XXXX as of XX/XX/XXXX. 

Instead, {$470.00} was allocated to XXXX XXXX, which is not what I requested and {$40.00} was allocated to XXXX XXXX, which was also not requested. 

I was told over the phone that there would not be a problem fulfilling my request because there were no restrictions on the way I chose to allocate my payments. I purposely requested to pay the total interest accrued on the three accounts ( XXXXs XXXX, XXXX and XXXX ) in order to avoid any underlying complications. 

The way Great Lakes has distributed the money was unauthorized and causes confusion and frustration in determining the progress towards repaying my school loans.
Complaint sub-issue: Not given enough info to verify debt

On XXXX XXXX, 2016 I received a call from a XXXX XXXX, with XXXX XXXX @ XXXX stating that my student loan from American Education Services, AES is now in Default and that Transword System have my student loan. XXXX XXXX went on to say that I owe {$15.00}, XXXX on my loan and that National Collegiate, NCT Trust is offering me a settlement to pay only {$11000.00}. XXXX XXXX went on to break it down that if I ca n't pay {$11000.00} I could pay {$2500.00} down and pay the remaining balance each month until paid in full. I tried on several attempts to get National Collegiate Trust 's contact number so that I can confirm XXXX XXXX 's conversation. As of XXXX XXXX, 2016 I have yet to receive that information. In fact, I spoke with XXXX XXXX 's supervisor on XXXX XXXX, 2016 and ask for NCT 's contact number he gave me an account number that included my social. On XXXX XXXX, 2016 I contacted AES to see what was going on with my account, AES informed me that my account had a $ XXXX balance and that they do not have any other information on my account. I asked if AES had a contact number on NCT, they provided me with XXXX XXXX 's contact which is XXXX. I have research and google NCT and found nothing. At this point, I 'm not sure who is NCT and why is XXXX XXXX trying to collect {$11000.00} from me. XXXX XXXX XXXX provide me with a " Note Disclosure Statement '' which included my husband and I signature. They have not provided us with any proof of ownership of my XXXX XXXX account. I never received anything from NCT stating ownership of my student loan. Also, NCT has not provided me anything in writing stating that they transfer the account to XXXX XXXX. I truly believe that me and my husband are a victim of fraud and identity theft. My husband and I have never dealt with NCT in the past or XXXX XXXX. In addition, we have no knowledge of these companies and if they are legitimate. My original student loan was with XXXX XXXX and payments were submitted America Education Services. I 'm requesting a full investigation on this matter as I strongly feel that my rights as a consumer has been violated with these people. This has caused a XXXX in my life. Thank you
Complaint sub-issue: Was not notified of investigation status or results

on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I dehand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I applied for a vehicule loan i was informed by the dealer that my credit would be shared with one credit company Unfortunately I never verified my credit score to realize that my credit was ran multiple time.
Complaint sub-issue: Account information incorrect

XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, VA XXXX is reporting two accounts for the same auto loan which is a violation of the FCRA. They have the responsibility of reporting the correct information to the Bureaus. I have sent them letters and they refuse to correct this misinformation which is hurting my credit rating. 

The first alleged account states that it was opened XX/XX/XXXX with no recent balance reported. Status Transferred closed XX/XX/XXXX. 

The second alleged account states that it was opened XX/XX/XXXX with a recent balance reported of {$9200.00}. Status {$8600.00} was Charged off XX/XX/XXXX. 

None of the information reported makes any sense.
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax continue to violate the FCRA with XXXX account XXXX. Date last active has been Re-aged. This account has been Re-aged from XXXX to XXXX. Re-aged account is a very serious violation of the Fair Credit Reporting Act requirements. This account also has multiple inconsistency reported by Equifax. Inconsistent reporting is a violation of the FCRA. I have circled and highlighted the R-aged account and multiple inconsistent reporting by Equifax. This violation Re-aged account and inconsistent reporting by Equifax has injury and harm my ability to obtain financing.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX, there was a charge of {$81.00} from a hotel named XXXX XXXX in XXXX, XXXX that was charged on to my Citi credit card. After I saw the charge, I contacted the Citi customer service for a dispute on the charge, and they gave me a temporary credit. After 2 months, on XX/XX/XXXX, the dispute charge was reversed back in to my account, saying that the person who used my credit card number said I gave them my credit card number for them to book for the hotel on XXXX. When I saw the documents that Citi provided me, it showed that the credit card number was entered manually by the hotel, and the signature that was on the receipts were not of mine. I have contacted the fraud department of Citi, but have not heard back from them about this issue.
Complaint sub-issue: Card opened as result of identity theft or fraud

I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2020 with a balance of {$15000.00} which I did not make. I have filed this police report where I stated that I lost my bag with my cards & IDs inside, they advised me to submit a dispute to prevent fraud from happening again.
Complaint sub-issue: Account status incorrect

Customer representatives from XXXX from the XXXX number that collect credit card payments told me that if I make the payments in the XXXX and XXXX is that what keep the account up to date and I wouldn't fall behind. Turns out that was wrong advice and I was very surprised when the account ran XXXX  days past due because it's never done that because I've kept up with it. Customer service gave me wrong advice as far as the minimum payments That's why the account fell behind or I would have made sure I kept it as current as possible. Please remove the negative information from the credit report as I'm in the process of trying to purchase a home and it could be detrimental to the credit report. Thank you for your time and consideration.
Complaint sub-issue: Was not notified of investigation status or results

I sent a letter on XX/XX/2021 about my credit report and I have not heard anything back. I don't understand how the bureaus can break law and do anything they want. It has been over 40 days and still have no response from them. They have 30 days to respond. This outrageous. Doesn't make any sense.
Complaint sub-issue: Old information reappears or never goes away

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - I sent Equifax a dispute concerning inaccurate items on my credit report. Specifically XXXX XXXX, XXXX, XXXX, and XXXX XXXX . XXXX XXXX is reporting inaccurately because a collection can not list a past due amount or terms. Equifax has failed to do a proper investigation in an attempt to leave inaccurate and outdated information on my credit report. XXXX is also a collection account that is reporting inaccurate information because it is also reporting a past due amount and terms. This is a violation of FCRA and I will seek legal action if this complaint does not yield deletion of this negative information. I think it is ridiculous that the credit bureaus are allowed to report inaccurate information and just believe anything furnished by the creditors. Furthermore, neither XXXX or XXXX funding never validated the debt as required by law and as they would be instructed to do in a court of law ( they would be required to prove they own the debt ). I sent debt validation letters and they never responded. You can not just claim to own debt without proof. Lastly, Equifax is reporting two outdated accounts which should have been deleted XX/XX/XXXX based on the First date of last delinquencies. However, Equifax continues to allow XXXX and XXXX XXXX to report inaccurate late payments, different lates for years and they are reporting this inaccurate information across all credit bureaus. Both of these accounts are OUTDATED and a violation of my rights under the FCRA. THE CREDIT REPORTING TIME LIMIT HAS BEEN EXCEEDED! Stop using that XXXX  system and follow the law! XXXX versus XXXX is case law that states the burden of proof is upon the CRA 's and not the consumer! They have exceeded the 7 year period and I demand deletion! My next letter to Equifax will be from an attorney with an intent to sue if this inaccurate information is not deleted.
Complaint sub-issue: Charged too much interest

I took advantage of a 0 % balance transfer offer. I have been making my monthly payments as required. I have continued to use the card for miscellaneous monthly expenses. My monthly payments have been enough to cover the minimum payment due in addition to the monthly misc. charges and a large chunk of the balance transfer. The credit card company has been charging me interest every month on the miscellaneous monthly charges. It was my understanding that my payment amount would be applied first to the monthly minimum, then to the monthly charges, and than to the balance transfer. I should not be charged interest if I am paying those monthly charges in full each month. However, The bank will not credit me those interest fees.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX I requested in writing about the fraudulent inquiries that are appearing on my XXXX   report as several duplicates and I requested for them to be removed and or verified. Equifax and XXXX  have accounts that I have to them they are related to my Social number I demand they are removed it been over the allotment time and Equifax has 145 inquiries that was put on my report from who knows were please help me get this information corrected.
Complaint sub-issue: Problem with customer service

On XX/XX/XXXX, I called and spoke to My Great Lakes representative. I requested all my XXXX & XXXX optional loan payments to be refunded ( 22 payments totaling {$11000.00} ). I was told 30 days. ( 30 business days would have been Friday - XX/XX/XXXX. ) I have waited over 44 days ( 30 business days ). The servicer is not providing my refund within a reasonable timeframe. The servicer is not fulfilling refund requests in the order that they have been received.
Complaint sub-issue: Reporting company used your report improperly

Im accordance with the fair Credit Reporting Act # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a Credit Card under an open end consumer credit plan as late for any purpose.