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

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my tXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE
Complaint sub-issue: Information belongs to someone else

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Late payments - XXXX XXXX - XXXX XXXX XXXX Inquiries XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX, XXXX XXXX XXXX. ) XXXX XXXX TO XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX AUTO FIN XXXX. ) XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX AUTO FIN XXXX. ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax credit bureau/equifax stated they updated an address. I did not contact them about an address. They are not reading my complaints and sending templates once again. I reached out to delete the accounts that the investigation was pasted 30 days.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2022 at approximately XXXX XXXX, I accompanied a friend and XXXX military veteran to look at cars at XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. We were assisted by XXXX XXXX and test-drove two automobiles. We asked XXXX XXXX if she could guarantee that any inquiry would not exceed a two-point loss to our credit and that no other companies would have our information shared and/or allowed to inquire about our credit and she stated that only XXXX would have permission to inquire and they would only review the information authorized by one inquiry from XXXX we agreed to XXXX The unauthorized inquiries were from XXXX XXXX XXXX, XX/XX/2022 XXXXL XXXX, XX/XX/2022, XXXX XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XX/XX/2022.
Complaint sub-issue: Card was charged for something you did not purchase with the card

My Citi-bank card was used without my authorization. I contacted Citi-bank after not receiving my bill and they connected me to the fraud department. Beginning on XX/XX/2021 they reported numerous charges or attempted charges through XX/XX/2021. The person 's name that used my card is listed as XXXX XXXX. I have reported this to XXXX. 
The person that used my card changed my address, phone number and email address. I don't understand how this was done without my permission, I used this card at XXXX XXXX group and they reported that they were hacked and patient 's information was exposed.
Complaint sub-issue: Trouble with how payments are being handled

I submitted a re-certification of income based payments with my spouse information on X/XX/17, Fedloan Servicing states I " did not request spousal loan debt until X/XX/17 Income Driven Repayment Plan Application. '' Since they did not receive it and/or process the paper work until X/XX/17, I had to pay {$520.00} compared to my payment in XXXX 2017 of {$290.00} and my payment in XXXX of {$390.00}. I asked for a review of this payment. My " over-ride was denied and their reason is the aforementioned quote. The did offer to refund my payment of {$520.00} and stated it would not count toward my 120 qualifying payments for the Public Service Loan Forgiveness program. Fedloan Servicing overcharged me {$120.00} for my XXXX payment.
Complaint sub-issue: Billing problem

I contacted MotoLease on friday XX/XX/XXXX. i advsd them that a payment has come out of my acct that was not authorized by them. they stated it was due to my lease agreement but I also had my payments deferred for two months which means i would of been due until XXXX. I advsd them of that and they said it was an error on they end. I told them that i wanted it refunded and the bank fees refunded. it is now XX/XX/XXXX and ive received two overdraft fees from my bank and also they have taken another payment out. Due to covid i was relying on that money for food thats why i deferred the payments for a couple months. Now i have XXXX $ of overdraft fees on my bank acct along with negative XXXX $ balance. I want my money back and my overdraft fees credited that continue to get added with the negative balance.
Complaint sub-issue: Personal information incorrect

I have sent multiple request to all XXXX  and Equifax regarding the removal of addresses that do not belong to me, I have asked them to refer to my Drivers license as well as my local XXXX bill in order to request that all addresses that do not belong to me be removed and permanently deleted from my report. They continue to answer that creditor ( unverified creditors at that ) are reporting this address and thus the will not remove it. How is it possible that an unverified creditor be reporting an address on my report, isn't that a direct violation of my civil rights under the FCRA? Why are credit bureaus allowed to electronically receive this information without proper verification and why are those unverified accounts still there? Who will hold bureaus accountable for their errors? Their loyalty seems to be geared more towards the creditor than towards the consumer and that isn't fair at all.
Complaint sub-issue: Debt is not yours

There was a Notice and Demand for Payment opened XX/XX/2014 to recoup the exact value of the illegally collected debt in the amount of {$900.00}. It is accepted that Puget sound Collections, by not validating the alleged debt, are the illegal collectors of this debt and are personally liable for this amount of debt in this Notice and Demand for Payment. Though validation of this debt was attempted through mail, no validation occurred and the debt is being collected illegally.
Complaint sub-issue: Denied request to lower payments

In accordance with the Fair Credit Reporting act XXXX Account # 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: Problem with paying off the loan

I totaled my used XXXX XXXX on XX/XX/XXXX which was/is financed through Carmax Auto Finance XXXX My car insurance is through XXXX. 

The vehicle was declared a total loss and after contacting Carmax for the payoff on XXXX XXXX issued Carmax the full payoff for {$34000.00} and XXXX issued me the remaining {$20000.00} for my loss settlement. 

Carmax claimed they never got the check so we sent it again on XX/XX/XXXX for {$34000.00}. 

In the mean time I paid CARMAX for XXXX and XXXX payments of {$680.00}. 

Both XXXX and myself has called carmax a plethora of times between XXXX, XXXX and XXXX as I want this loan/credit trade line removed from my credit report so my score updates. 

Throughout multiple conversations with multiple representatives they told me I'd be getting a refund for my warranty and GAP insurance and advised me to turn off auto pay since they are not reporting to the credit agencies anymore. 

They did not cash the second check sent to them all of XXXX so XXXX contacted them and they told us we had overpaid that's why the checks kept not going through from XXXX to Carmax. After XXXX received the updated payoff from Carmax ... a third check was cut to Carmax Auto Finance from XXXX on XX/XX/XXXX for {$30000.00}. XXXX on XX/XX/XXXX then issued me the difference of {$4300.00}. 

Carmax Auto Finance then mailed ME a check for XXXX in the middle of XX/XX/XXXX?? 

The last time I called them was on XX/XX/XXXX where none of the representatives still have an answer. They claim they are still trying to reconcile the account and something was looking off where it shows I still owe roughly XXXX. There is NO REASON there should be this many money exchanges ... or this account still hasn't been fully closed. No one at Carmax ever has an answer and earlier this month they said they are " still working on it '' and someone would call me. Carmax has not called me at all. My insurance claim and account with Carmax are both still open and what is possibly taking them 4 months to close a simple account we have tried to close correctly?
Complaint sub-issue: Their investigation did not fix an error on your report

THE ACCOUNTS THAT ARE LISTED DO NOT BELONG TO ME AND NEED TO BE REMOVE
Complaint sub-issue: Frequent or repeated calls

Conns has called me no less tha n 15 ti mes a day from various local numbers. These calls start at   XXXX   XXXX   and continue all day. Oftentimes, these calls are placed a few minutes apart. I 've called  Conns  and requested a payment plan, which they said was granted. They collected a good faith payment and then began calling right away again. I can supply phone records if needed.
Complaint sub-issue: Other problem getting your report or credit score

I am member of the Equifax credit monitoring service and have been for a while now. I have been able to update my score whenever possible. When I tried to update my score on XXXX XXXX, I was unable to. It gave me an error message. I have been trying everyday after that to update my score and get a new credit score. To this day I have still been unsuccessful. I contacted Equifax about this situation on XXXX XXXX and they can not tell me the reason why this is happening. Only XXXX XXXX, I applied for a mortgage loan and my lender was unable to get an equifax score to pre-approve me for a mortgage loan. Again, I called equifax and they were still unable to tell me why this is going on. They offered me a reduce rate on my credit monitoring service but that still does not fix my issue of not seeing a score. This has place a burden on me because the companies I have been applying for credit all use equifax and because they are unable to get a score, I am denied credit. Also, another issue I have having is Equifax reporting incorrect information. My credit card company removed all of my lates off my account and equifax is the only bureau that has not updated that information and its going on 2 months since this has happened. They are also reporting that I am over the limit on a credit card that I only owe {$4.00} on which has raised my utilization to 98 % and dropped my score tremendously. I have also spoke with them about this issue and have not received any satisfaction. The last issue I having with them is they refuse to remove my hard inquiries after I explained to them I have spoken with each company and they agreed to remove the inquiries.
Complaint sub-issue: Company closed your account

Staring in XXXX 2017, I disputed multiple fraudulent charges on my account. PNC bank refused to return my calls or respond to emails for 2 months. After many follow up calls and visits to my local branch, the disputes were found to be valid and the merchants refunded those transactions however PNC bank closed my account and refused an explanation. I have banked with PNC for many years. This has caused undue stress and work for me during the holidays. Having to open a new account, set up new bill auto payments and have my funds on a hold where I could not access them for many days has been stressful.
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 15 USC 1681. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 168s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Information belongs to someone else

I've been having an issue with Equifax to get XXXX XXXX XXXX  XXXX XXXX  XXXX off my report. This is in Lousiana. I don't live in Louisana. I live in New Mexico. I have XXXX as my internet service in New Mexico. This is not me! I also want to know who put this in my name if possible.
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

Today, XX/XX/XXXX is my first time hearing of this debt. The guy stated he is a compliance officer and he was sending my information to have me arrested for grand theft if I didnt pay for a debt. He wouldnt tell me what the debt was for. And continues to hang up in my face. Then After the third call he forward me to processing saying that he already sent my file to have me picked up in 24 hours. This was so humiliating as I didnt even know what this was for.
Complaint sub-issue: Reporting company used your report improperly

Equifax information breach. I checked the impact of my personal information and received this response : " Based on the information provided, we believe that your personal information may have been impacted by this incident. ''
Complaint sub-issue: Banking errors

On XX/XX/XXXX, A fraudulent check was written to XXXX & XXXX XXXX Trucking in the amount of $ XXXX bank debited my account for this amount. I logged into my account on XX/XX/XXXX and saw the funds were gone. I immediately contacted my bank and reported the problem. A fraud case was opened. US bank case # XXXX. The fraud department informed me the investigation could take up to two months and there was no guarantee the funds would be restored. I contacted the XXXX 's XXXX and files a complaint. XXXX XXXX was assigned to the case and he informed me most of these cases are not solved. I am reaching out to the CFPB for help. This was almost all of my savings and have had to get a loan to pay my bills.
Complaint sub-issue: Debt was paid

I was offered a settlement with Citibank who uses XXXX XXXX XXXX XXXX. I made all my payments that were required on the account. I called the agent and told them that the checking account was closed and not to send any future automatic payments. 
I mailed a check to them in lieu of automatic payment. They cashed the check. I called them and they said my debt was paid in full. In the first letter I received it states I still owe them XXXX. I can pay this. Prior to this letter I received, I was not aware of this. 

Then all of a sudden, I get sold to some NEW COLLECTION AGENCY which is making me a new offer, which is crazy because I only owe them XXXX. I need help in resolving this issue.
Complaint sub-issue: Reporting company used your report improperly

Equifax leaked my sensitive personal information to hackers by utilizing subpar security.
Complaint sub-issue: Information is not mine

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX To Whom it May Concern : XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX, GA XXXX XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XX/XX/XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX
Complaint sub-issue: Problem with customer service

My billing emails arrive a day after the bill is due. For example, I received an email on XX/XX/2019 when the bill was due on XX/XX/2019. I find this unacceptable.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX charged off {$620.00} XXXX XXXX XXXX XXXX  charged off {$1500.00} XXXX  XXXX XXXX paid in full XXXX XXXX XXXX XXXX  charged off paid in full XXXX XXXX XXXXXXXX {$1800.00} charged off XXXX XXXX XXXX, I missed payments due to Covid XXXX I am current now
Complaint sub-issue: Account information incorrect

In XX/XX/2018, Tek-Collect , Inc. ( on behalf of XXXX XXXX ) reported a negative collections account on my credit reports. I paid this balance in full months before in XX/XX/2018 before it was sent to the collection agency. I tried working with the XXXX XXXX several times on this matter - at one point they confirmed that the amount was paid in full and that they would contact the collections agency to confirm that the account should be closed. I even tried calling Tek-Collect, Inc. and left several messages but never received a response. Eleven months later, I am still dealing with this as it continues to show up in my credit history. I would like this removed entirely from my credit reports and want confirmation from XXXX XXXX and Tek-Collect, Inc. that this matter is settled in full.
Complaint sub-issue: Their investigation did not fix an error on your report

Mortgage account was mistakenly reported in XXXX of 2019 on my equifax credit reporting resulting in the removal of the tradeline. Have contacted XXXX  and equifax to have this account verified as accurate. Several complaints and Months later, XXXX  states it's been reported to the credit bureau while equifax is stating it has not been reported. Below are both letters to indicate someone isn't being truthful or accurate in they're statements. This missing information on my credit report is resulting in a loss of credit score by 21 points, damaging my credit worthiness.
Complaint sub-issue: Reporting company used your report improperly

Update my personal info, delete the accounts violating the FCRA and delete all the inquiries that I did not authorize
Complaint sub-issue: Account information incorrect

Hello, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, there are two companies that I have sent letters for several times with no answer at all. I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I just noticed that there have been several inquires that have been added by someone that have stolen information. THIS IS FRAUD.
Complaint sub-issue: Their investigation did not fix an error on your report

DISPUTED A BANKRUPCTY WITH EQUIFAX ON VERIFIED BUT I ALSO ATTACHED A LETTER I GOT FROM THE BANKRUPCTY COURTS AND IT STATES THE COURTS DOES NOT PROVIDE THAT INFORMATION TO ANY OF THE THREE CREDIT REPORTING AGENCIES EQUIFAX IS GETTING  INFORMATION FROM A THIRD PARTY VENDOR AS IN THE FAIR CREDIT ACT IT STATES THAT INFORMATION HAS TO BE VERIFIED THREW THE DATA FURNISHER AND THAT WOULD HAVE TO BE THE BANKRUPCTY COURTS .BUT THE COURTS DON'T RELEASE THAT INFORMATION I ALSO ASK EQUIFAX TO PROVIDE ME WITH THE NAMES OF PERSON WHO THEY CONTACTED TO VERIFY THIS INFORMATION THEY FAILED TO DO SO .BECAUSE NO ONE FROM THE BANKRUPCTY COURTS WOULD RELEASE THAT INFORMATION.THEY ARE GETTING THAT INFORMATION FROM XXXX XXXX EQUIFAX HAS TO PROVE THE ACCURACY OF THE INFORMATION THEY ARE REPORTING ON MY CREDIT FILE I ALSO HAVE DOUMENTS FROM XXXX DELETING THIS FROM MY CREDIT REPORT AS OF XX/XX/2018
Complaint sub-issue: Information belongs to someone else

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$7500.00}.
Complaint sub-issue: Was not notified of investigation status or results

I recently checked my credit report and noticed several inaccurate items. After researching how to dispute these inaccurate items I learned a lot from the FCRA. In keeping with the law I submitted a dispute letter over 60 days ago and still have not heard any response. I feel like Im being ignored and being taken advantage of. These items are injurious to my credit report.