Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

Discover financial services agreed to remove the late payments due to the hardships brought upon me by the pandemic, and have yet to do so. Under the CARES ACT, they agreed to apply a courtesy update removal as long as I set up a repayment plan. They have yet to do so and are in violation of CARES ACT and XXXX.
Complaint sub-issue: Debt was paid

I am in the process of purchasing a home. I had my credit pulled and was surprised to see a collection from ERC which dropped my score significantly. I have received no phone calls or contact via US Mail to  confirm this collection is mine. Due to this I did not & have not obtained the full statutory period in which to dispute the validity of this debt in question as I did not receive an initial notification regarding the debt. 

Debt information : Amount : {$350.00} Creditor : XXXX-already paid Collection Agency : XXXX XXXX XXXX ( ERC ) # XXXX phone for ERC XXXX Thank you
Complaint sub-issue: Their investigation did not fix an error on your report

I am in the process of applying for a mortgage. I was notified that I needed any disputed remarks removed from my credit report. I had disputed remarks on XXXX and XXXX accounts. I am NOT disputing those accounts, I simply need the remarks removed to proceed with a mortgage application. 

XXXX  and XXXX  removed them within 24 hours of my phone call. It has been almost four weeks and almost 10 phone calls, multiple " investigations '' ( that I didn't even ask for ) and Equifax still has NOT removed the remarks. Instead they have opened multiple investigations. 

The remarks were never removed. Called back numerous times and told the same thing, instead disputes were opened on my account. I called on XXXX and was told they'd be off by XXXX. Again, nope. Called again on XXXX and said they would cancel the dispute and remove the remarks. This morning, XXXX, I received an email saying the dispute was over and a PDF on the website states the remarks were removed. However the comment still says 'CONSUMER DISPUTES - REINVESTIGATION IN PROCESS '' I first called on XX/XX/XXXX, was told the remarks would be removed within 48 hours. In the dispute center on Equifax 's site, the first was opened and closed on XX/XX/XXXX. I am attaching screenshots for each account, you will note that on the XX/XX/XXXX report it says that 'The Explanation Previously Attached to this Account has been Deleted ' for both XXXX and XXXX . However below under 'Additional Comments ' it STILL says 'Consumer Disputes this Account Information ' ( under XXXX ) and 'Consumer Disputes After Resolution ' ( under XXXX ). On the XXXX report it says : 'The Explanation Previously Attached to this Account has been Deleted ' however below under 'Additional Comments ' it says 'Consumer Disputes - Reinvestigation in Process ' under both XXXX and XXXX .
Complaint sub-issue: Card was charged for something you did not purchase with the card

To Whom It May Concern : I am XXXX XXXX, a Citi Premier card holder. 

On XX/XX/XXXX, a fraudulent charge appeared on my credit card account ending in XXXX, appearing as " XXXX XXXX XXXX XXXX CA XXXX with an amount of {$210.00}. I called both the general customer service and the fraud department immediately, XXXX phone calls. Both people confirmed with me that my account has been blocked. However because my account is brand new they can not verify my information online so they would mail me a letter and I can only dispute the charge after I receive the letter and follow the instructions written on it. 

The next day I went to a XXXX and called the fraud department from there. I was told that my accounthas been blocked so I could rest assured for now. 
However, today when I checked my online banking I saw a new fraudulent chargeAPPEAR on my account. It was on XX/XX/XXXX, after I made the first XXXX phone calls and was told that my card was blocked already, in the name " XXXX XXXX XXXXXXXX CA '' with an amount of {$110.00}. I immediately made a phone call to the dispute center and the person who picked up the phone only told me to wait and refused to offer me any further information. 

I don't know how the scammer could still use my card when it has been blocked. Has it really been blocked? I feel disrespectful and very very anxious. A proper explanation is badly needed. Moreover, I need to submit disputes to both charges now and get reimbursed. 

Sincerely, XXXX XXXX
Complaint sub-issue: Other problem getting your report or credit score

On XX/XX/XXXX I spoke to equifax about removing my fraud alert after being a victim of identity theft. I spoke to a representative named XXXX XXXX who had me verify my identity by providing my social and id. We had an email interaction while doing this ( his email was XXXX ). He mentioned that there was an issue with my report but that he had successfully removed my alert and freeze but that he would call me in 1 hour to confirm. I never received the call during those times so I decided to check my account on equifax to see if it was resolved. I noticed that the report was not longer showing the alert/freeze HOWEVER, my report had complete incorrect information!!! - An account that I been an owner for XXXX XXXX XXXX # XXXX WAS NOW - SHOWING AS AUTHORIZED USER WHICH WAS INCORRECT. - An account that I had removed XXXXXXXX XXXX  XXXX was back in my report! - Total of 4 inquiries were now ADDED to my report from the past!! ( XXXX, XXXX, XXXX, XXXX XXXX ) EVEN THOUGH I ONLY HAD 1 AS OF XX/XX/XXXX!!! This means that whenever this representative corrected my information, he changed the account status of my account and also added these inquiries that did not belong to me and were no longer there as of XX/XX/XXXX. I called multiple times on XX/XX/XXXX but i could not get transferred to the same representantive! I also could not anyone to understand my issue and they all kept saying that it was correct however this was not the case. I have attached a report pulled from the equifax website as of XX/XX/XXXX which was showing the correct info. I also attached the CURRENT INCORRECT report which shows all of these incorrect changes! I demand an explanation of the miss handling of my report immediately and my account to be corrected. I demand these old inquiries to be removed XXXX, XXXX, XXXX XXXX  XXXX I demand the account XXXXXXXX XXXX to be corrected as OWNER and NOT Authorized user. I also demand compensation, I have spent countless of hours trying to recover myself from being a victim of identity theft and I have received nothing but inexperienced customer support. This is not affecting my financial situation and its not acceptable. It is clearly a violation of my FCRA RIGHTS.
Complaint sub-issue: Debt is not yours

On XX/XX/XXXX, a new collections account was report to XXXX  and XXXX  by Enhanced Recovery Company ( ERC ) showing a delinquent amount of {$640.00}. The original creditor is XXXX XXXX. I have no knowledge of this account and have never had any accounts with XXXX in my name. The date ERC is reporting the account to have been open is XX/XX/XXXX. However, XXXX  has disclosed that the item reported indicates the account was opened in XXXX. From XX/XX/XXXX - XX/XX/XXXX we had an account with XXXX XXXX ( now XXXX ), which was I my husbands name. We moved to Florida in XX/XX/XXXX and now have an account with XXXX. Therefore, no such account with XXXX could have been opened in my name during XXXX. 
I have never received a bill or any other written communication pertaining to this account and was very surprised to see it mysteriously show up on my credit at the same time that Im in the process of obtaining a new home loan. This derogatory mark on my credit could result in the loan being denied. 
I have not contacted ERC, as they have not initiated any sort of communication with me. ERC is known for their unethical collections practices and for violations of the Fair Credit Reporting Act. I feel they have placed this erroneous debt on my credit and will not remove it, regardless of whether or not I pay then in full. They have essentially hijacked my credit unjustly just as I am in the process of getting an FHA home loan.
Complaint sub-issue: Debt is not yours

This complaint is in response to the company 's response from complaint number XXXX. 
I disagree with the company 's response. They denied that any of my rights were violated and that is incorrect per 15 USC 1692e. If it is a debt that is owed like they " alleged '' all charges I owed should be shown in the negative per the LAW. Per my credit reports and the statements sent from the company the alleged debt is shown in the positive. If it is a debt and it is owed it should be shown in the negative. I have sent an Affidavit of Truth to the company in which they did not respond in the correct matter so per the law the debt should be removed from all of my credit reports and from their system. I also followed up with a Notice of Default and Opportunity to Cure on XX/XX/XXXX giving the company 10 days to respond and resolve the issue but have not received a response.
Complaint sub-issue: Didn't receive enough information to verify debt

A collection company by the name of XXXX XXXX XXXX XXXX XXXX is reporting a collection account for a XXXX account that I have never opened. I have asked them to provide me with a signed contract because I have no knowledge of this account when I disputed this with the credit bureau within 30 days they responded with a letter advising the account was verified but they have not provided me with anything that shows that I signed a contract. I have also contacted the collection company and asked for a signed contract which I have not received. After I disputed this with XXXX XXXX XXXX they sent me a letter stating " we have updated our records to show that this account is disputed and to call to discuss payment options '' but did not provide me with anything stating I still have a right to dispute further. I have followed up and sent another dispute letter recently because it was still within 30 days of receiving an initial response from them. After all of that I received a notice from the court stating they are suing me for the debt for an account that I have never opened and have yet to produce a signed contract for.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681 XXXX. XXXX XXXX  XXXX Account Number XXXX XXXX. XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX. XXXX XXXX Account Number XXXX XXXX. XXXX XXXX XXXX Account Number XXXX XXXX. XXXX Account Number XXXX XXXX. XXXX Account Number XXXX XXXX. XXXX XXXX Account Number XXXX XXXX. XXXX Account Number 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.

15 U.S.C 1681C ( 2 ) ( 5 ) Sections states. No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer to any consumer reporting agency if the person knows or has reasonable believe that the information is inaccurate.
Complaint sub-issue: Debt is not yours

Hunter Warfield Inc XXXX XXXX XXXX XXXX XXXX FL XXXX Tel : XXXX Alleged Debt Owed : {$4100.00} Original Creditor : XXXX XXXX XXXX  XXXX XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

My husband and I applied for a mortgage with XXXX XXXX XXXX XXXX XXXX XX/XX/2022. On the same day, our credit report was pulled with our permission. 

However, on XX/XX/2022, XXXX XXXX pulled our credit again WITHOUT our consent or awareness. The XXXX XXXX lender admitted to this error and agreed that it was an unauthorized pull. We were informed that they submitted a request to remove this hard inquiry on XX/XX/2022. Upon further investigation, we learned that they did not submit this request until we continued to follow-up and complain about their lack of response on XX/XX/2022 ( XXXX reference XXXX XXXX ). However, they only submitted it to Equifax ( not XXXX or XXXX ), and only for me, not for my husband. 

To date, and thanks to our own action, XXXX and Equifax have removed it from my credit history, but neither have removed it from not my husband 's. XXXX has not removed it from either of our credit histories. 

We are requesting that XXXX XXXX XXXX XXXX perform their due diligence in resolving their mistake and request removal of this hard inquiry pull from all three credit bureaus for BOTH my husband and me. 

Attached is the email communications with the XXXX representative admitting that this was in fact an UNAUTHORIZED hard inquiry pull.
Complaint sub-issue: Account status incorrect

In  XXXX  my student loan provider went from  XXXX   XXXX  to  XXXX . I was on auto pay with  XXXX   XXXX .  One day I re ceived a letter in the mail stating that  XXXX   XXXX  account was Closed and the new lender was   XXXX   therefore they were not going to charge me anymore and that i should wait Further instructions from  XXXX . First communication with  XXXX  happened 3 months after that and was to tell me that i was behind on my payments. Initially I was surprised since it was the first form of communication since  XXXX   XXXX . Not a problem I said, lets pay. The representative at  XXXX  walked me through on how to create my account on the website and pay, which i did. My first concerned was my credit reports so I asked him how does this affect me and he replied " that since the transition from  XXXX   XXXX  to  XXXX  was a missunderstanding because the mailing address they had did n't match mine he was going to make a note to correct any information sent to the bureaus . Two weeks ago i decide to check my credit reports and there was de 60-120 late payments on the  XXXX    XXXX    accounts. I wrote them a good will letter to remove the incorrect information and they de clined. They sure told me that they would review it if i sent them a bunch of stuff. This was  XXXX , is  XXXX  now I 've been on auto pay with them since the very beginning. I do n't have canceled checks, i do n't have that letter from  XXXX   XXXX . All I have is the word from that representative telling me that it was n't going to affect my credit and it is. I fin this unjust and abusive on  XXXX  's part. I still pay my loan to this day and i have never missed a payment.
Complaint sub-issue: Company closed your account

During Covid I was unable to make 6 payments. I then paid the card current plus XXXX  under the limit. I had never been late or over the limit before Covid. They closed my account. I went on chat with a rep that after reviewing my account said no problem they would reopen the account, I just needed to verify it was me so I needed to call. The rep on the phone said it could not be reopened because I had been late 3 times in a year. I then got back on chat and the rep said to call back and talk to a manager. The manager told me again I could not reopen the account. I then responded to the chat that the manager would not do it. At this time the rep on chat say 's I can't reopen the account because I was late 3 times in a year.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I had numerous defective orders from XXXX over XXXX. When I went to get a return and refund, XXXX wanted me to pay more than the price of the items in return shipping so I filled disputes. Citibank not only discriminated against me, they also allowed XXXX  to cause me fraud. I still have the defective and wrong merchandise they sent waiting on a prepaid return label or an address within the US to ship to. I never received that. 

So CItibank assisted XXXX and their merchants to defraud me, a XXXX individual nearly $ 1K! 

Case ids : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

I submitted a request to dispute a collections account on my credit report on XX/XX/XXXX expected to be completed on XXXX.The account is a XXXX XXXX account XXXX I never received a update that my dispute was complete only that it was in progress. Over the course of the last 2 months I have logged in and checked said dispute and it was showing still under investigation. As of XX/XX/XXXX, past the 30 day even 45 day mark the dispute was not complete. I logged in today just to check due to the fact my credit report through Equifax is still showing a Derogatory mark for this account. The dispute is now showing complete and the letter attached is stating the dispute was states it was completed on XX/XX/XXXX, but the last time I logged in was XX/XX/XXXX and it was not completed. Also the company continues to call me while the dispute was open. They only stopped calling once I left them a voicemail stating there was and open dispute that was past 30 days. 
The dispute report is stating that the information was updated and that is it. 
Based on the Fair Credit Reporting Act the company has 30 days to review the dispute and if they do not get back within 30 days the agency is obligated to remove the disputed report. Not only did they take over 30 days to submit their findings ( almost 60 days based on my records ) they also send a dispute letter that clearly does not have the correct date on it. There is no way the dispute was completed on XX/XX/XXXX seeing as I logged in on XX/XX/XXXX and it was still in process. They are lying about when it was completed. 
This needs to be removed from my report based on FCRA. 
This account has been disputed and removed off of all other agencies except for this one. 
The company called me again today. Not from their normal number, when called back the rep stated it was XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

I.c. system has a collection on my credit report for an account with XXXX I have never had. Through a BBB complaint I requested debt verification and they sent me an identity theft packet. No debt verification. I have been in contact with XXXX who has no idea what I 'm talking about. Today I received another letter from them regarding and XXXX XXXX XXXX Account I also never had I called XXXX XXXX XXXX and I 'm not in there system as well. I want this company to leave Me alone also they placed information on my credit report for XXXX and I never received anything stating they were going to do that which is in violation of the law. I 'm not doing anything with these ghost accounts until it is proven they are mine in which they are not until it can be proven otherwise which it will not be.
Complaint sub-issue: Account status incorrect

Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX/XXXX XXXX XXXX
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

Credit limit was first increased then they decreased it. No payments were missed and have never been late in all the years and never been over the credit card limit since doing business with them. Telephoned creditor to inquire why credit limit was decreased. They advised they needed to decrease it due to ability to repay. Advised them this made no sense as I have never been late or over the limit with them. Later they pushed to try and have me setup an automatic payment with them. I refused to do so as I stated that I have never been late or over the credit limit with my account. Since Discover card reduced my credit limit my credit score was negatively affected and decreased my credit score. This has had a domino affect now with my other creditors who have subsequently reduced my credit limits which has further reduced my credit scores. Again I have never been late or over the credit limit with Discover or XXXX. Because of Discover it has adversely affected my credit scores and credit limits with other creditors due to no fault of my own.