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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Public Records : Chapter XXXX Bankruptcy XXXX Inquiries : XXXXXXXX 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 XXXXXX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name XXXX XXXX XXXX XXXX Employer : XXXX XXXX Addresses : XXXX XXXX XXXX XXXX  IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, IL XXXX XXXX Records : XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX Records : XXXX XXXX XXXX XXXXXXXX Inquiries : 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: Credit inquiries on your report that you don't recognize

Recognize a few inquiries on my XXXX Recognize a few inquiries on my XXXX Equifax and XXXX report that I have not authorized. 
Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX INQURIES XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I had a girlfriend for 6 months, I moved back home, out of state and the primary card holder, order credit cards and also requested authorized user cards in my name. I have never seen or used the cards and had no knowledge of the cards being ordered. This was done in a attempt to get me, to come back, from out of state. She used both credit cards. And she became late, on her payments. I spoke with her and she had settled the debt and paid them off. The XXXX card account number XXXX and a XXXX card number XXXX, was opened s well, with me as a authorized user. As a authorized user, I was never responsible for any debt, charged to these accounts. I have never enter into a signed or verbal card holder agreement as a responsible party. In addition I have never spoke with anyone for either of the creditors, with regards to receiving cards. These cards were issued by the creditors, without my permission and to date they have my personal information, without my consent and are reporting negative items, on my credit report illegally, as I have never entered into a agreement with either party..In addition, to that fact, when the primary card holder, became late on the payments, I never received any notice of me, being a authorized user or that the payments were late and/or past due. This is do to the fact, that the creditor, had no phone number or mailing address, because I never had any contact with them. 
The credit bureau has report these items on my credit report with a having any documentation or signed agreements, by all parties in hand as required by law. In addition, Equifax has reported items om my credit report, without verifying that the debt was actually my debt and placed the items on my report, from the creditor, on face value, because both parties a gaining enrichment from the negative items on my report. The credit bureaus is being paid to report the negative items and the creditor are party of a system, where each member ( s ) of the banking/credit system. Gain higher interest off of the negative items, place by their counter part, by charging higher interest. This is a conspiracy between the bank/creditor and the credit reporting bureaus.If there is no resolve with this matter, it is my intent to take this matter, to federal court and criminal court, to the fullest, extent of the law. Including damages.
Complaint sub-issue: Changes in terms mid-deal or after closing

1. Purchased a XXXX XXXX on XX/XX/XXXX. There were numerous issues getting the car delivered and I ended up having to trailer it from XXXX Texas to XXXX XXXX at my own time and expense. 
2. the inspection was not properly performed by Carvana before delivery and this held up the registration for several months. 
3. We were short a key they told us was with the car and they agreed to provide one at no cost. 
4. XXXX dealer would not provide a key without a current registration. 
5. By the time we had a valid registration ( months of delays by Carvana ), Carvana and their captive warranty company - XXXX  - refused to pay for the key. 
6. They owe me {$1200.00} as a result. 
7. They are trying to claim that the 120 day warranty that comes with any new carvana purchase had expired. THIS WAS NOT A WARRANTY ITEM!!!! THEY REPRESENTED THE CAR HAD TWO KEYS AND THEY AGREED TO PROVIDE THEM!!!!! 

Most recent '' : They are claiming they contacted us in XXXX. However, when we tried to make good on their promise with the XXXX dealer in XXXX, they said Carvana/XXXX told them it was too late. They defrauded us on the sale of the car and are now insisting we continue to make payments even though they have not upheld their end of the agreement.
Complaint sub-issue: Problem with rewards from credit card

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1687 section 602 A. States I have the right to privacy.

15 U.S.C 1687 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 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
Complaint sub-issue: Received bad information about your loan

I got a call from a " representative '' who verified who I was and then transferred me to another person, XXXX XXXX. She told me I could pay my loan off at just pennies on the dollar by signing up. She referred to the William D Ford Act for loan forgiveness. She pressed me for access to my Mohela account. I told her I didn't have the information at hand and she gave me a phone number to call her back on, XXXX. I didn't do it but thought you should know.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX, I wrote to the credit bureaus and asked them to investigate errors on my credit report. They have not yet responded, and were supposed to respond within 30 days.
Complaint sub-issue: Trouble with how payments are being handled

My name is XXXX XXXX. My maiden name and name on my loan is XXXX XXXX. My account # is XXXX ( XXXX ) and XXXX XXXX XXXX ( AES ). I began my loan replayments in XXXX. I consolidated my student loans. I was with the lender XXXX XXXX XXXX XXXX XXXX. My monthly payment was set at {$140.00} and I was paying ahead. In I believe XXXX, my account was moved to servicing at XXXX. My monthly payments remained at {$140.00}. On XX/XX/XXXX, my loan was transferred again per a letter. This time to American Education Services ( AES - XXXX # XXXX ). I set up direct deposit, but had to cancel it shortly after I was notified that I had to make the remained of my loan payments in 3 installments with the first payment of {$2000.00} being due on XX/XX/XXXX and it had outstanding interest even though I was paid ahead from when it was at XXXX XXXX had never missed a payment with XXXX. My payoff amount is set at {$5600.00} as of XX/XX/XXXX. I called on XX/XX/XXXX and was told a review would be completed. I was never contacted about the review. On XX/XX/XXXX, I called again and was told my loan term was 15 years and there was nothing to do about the balloon payment. The agent did not look into anything or offer any options. She told me I had to pay. I contacted XXXX via their chat system after to ask about my loan after. The agent said they would send me details about my loan, did not know why my account was transferred, and suggested AES contact them to update their information. I called back and the agent looked up the review and said they determined the loan was a 15 year with a balloon. So no one was reaching out to XXXX further, because of their review. I asked for a copy of my Note. She said it would be sent to me. She offered to put my account in forbearance for 3 months with an option of another 12 months being something to look into after. I am trying to figure out the breakdown on my account. I never opted for an income based loan set up on my original loan and when I consolidated I never opted for that either. How did my fixed loan with a payment suddenly become a 15 year balloon? I feel there is some type of miscommunication or there was some type of fraud done. I feel blindsided and duped with a very convenient servicing transfer that made it so none of the companies are talking to each other.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have been a Discover credit card customer for several months. I am currently serving in the XXXX and am stationed in XXXX. Recently there have been many fraudulent charges on my credit card that have raised concern. I have notified Discover several times of the transactions and they have filed disputes on my behalf. While in XXXX, they sent out a new card to the address on file, that I do not live anymore, and has created a problem because somehow there become more fraudulent transactions. As a service member and as an american overseas, I do not have the luxury of being able to call Discover and be on hold for a long time or explain the situation to them completely because my carrier will charge me dollars per minute. One day in XXXX I had enough when I logged into my account and saw it was over the limit and I called not caring about the phone charge. I notified them that i was not in america and they should freeze my account. They then stated that my account is on hold and they would need to call my cellular phone to verify it was me first. Discover has allowed my account to be fraudulently used over and over again even though I have followed the FCRA rules to report on time and have done my best. Discover has now closed my account and has stated that it is due to fraud they feel that I present a risk to do business with, just because I am a service member in the XXXX  serving overseas. My current balance is an outstanding {$4900.00} which is extremely ridiculous because my credit card with them is a simple {$300.00} secured credit card, meaning my balance should never go beyond the {$300.00} that i deposited in the first place.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I contacted the credit reporting agencies in XXXX, XXXX and XX/XX/XXXX about unauthorized inquired on my report from XXXX and XXXX. They told me that it was accurate and verified. I also spoke with an US Rep early XXXX and he stated that they received certified mail and that it was validated. I asked for a copy and I never received it.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Citi app shows for dispute XXXX that a conditional credit of {$1500.00} has been issued while Citi continues to investigate issue. However, it has been many weeks and the credit still has not posted on my account.
Complaint sub-issue: Account information incorrect

I recently received a copy of my credit report from each of the three major bureaus, and it lists each of my eight student loans from  FedLoan Servicing as having a 90-day late payment in XX/XX/2019. In XX/XX/2019, I contacted FedLoan Servicing and requested a forbearance, which was subsequently approved and backdated to show effective as of XX/XX/2019. Upon noticing the late payments reported on my credit reports, I called FedLoan Servicing in order to remedy the situation. I was told by " XXXX '' that even though the forbearance had been approved and backdated, they would not reflect that on my credit report since it had already reported as late. I asked him if FedLoan Servicing no longer considers my payment late for that period of time, why they won't make that consistent, and update that on my credit report. He apologized and told me that it wasn't their practice to do so. I feel this is unfair. The company themselves forgave the payment for the month of XX/XX/2019, but I have EIGHT 90-day late payments on my credit report that they refuse to update. Aren't credit reports supposed to be accurate? To me this shows a clear discrepancy between what was reported and the actual status of my account.
Complaint sub-issue: Transaction was not authorized

I have been charged numerous times throughout 2021 with fraud charges that I have not authorized. I have had to have my debit cards closed and replaced 4 times in the year. Most recently XX/XX/XXXX for XXXX different charges equalling {$130.00} The provisional credit was reversed with explanation that the companies provided proof, however, I can not get through to these companies as I do not have accounts with them. This is a constant issue I have with keybank and have never had with my other banking institutions. My accounts never seem to be secure and not getting the protection from Key
Complaint sub-issue: Information is missing that should be on the report

They are different name and different address on my Credit Reports and are incorrect
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX, Reference # XXXX U.S. Bankruptcy Court, 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: Their investigation did not fix an error on your report

Nelnet student loan reported one late payment to the credit bureau that completely ruined my credit that I had been building over the past 5 years with them. I have continuously made payments every single month on all of my accounts for over the allotted amount, and they have always accepted my money. However, they still reported me making my credit score fall from an A to D. I had no idea they had even reported me until my bank ran my credit and notified me. They were unforgiving and would not reverse it saying I had made one of the payments to the wrong group. They said the payment should have been made by XX/XX/XXXX but was not made until XX/XX/XXXX and even after my payment was made on XX/XX/XXXX and up to date, they still reported me on XX/XX/XXXX which led to ruining my credit. Beware of Nelnet they are very unforgiving!
Complaint sub-issue: Information belongs to someone else

Last XXXX I've sent disputes about inaccurate and unknown accounts I found on my credit report. But it's almost 90 days since I've sent it and I don't received any response. I was so stress and feel I was being ignored. I demand to immediately DELETE those unknown and inaccurate accounts or I will file a litigation.
Complaint sub-issue: Right to dispute notice not received

This Mortgage debt with Selene Finance has been discharged in a bankruptcy filed legally and document with U.S. Bankruptcy Court XXXX XXXX of Missouri. Currently on my credit reports it shows that the listed account for Selene Finance, a real estate mortgage account as having a closed as " derogatory '' status as of the date of XXXX XXXX, 2012 which happens to be the same date of the Chapter XXXX Bankruptcy filing which included this creditor. The creditor seems to insist on reporting incorrect information on my behalf.
Complaint sub-issue: Account status incorrect

I have filed several reports including contacting other regulators such as SEC, OIG, FBI, State ATTY 's etc.. to get fair reporting treatment in which has been denied, accounts show closed but have missed payments, accounts discharge show charged off, and also comments that are not valid, alerts that have no contractual reason to be there, third-party accounts that have no contract or obligation to contract with. this is all violation to FCRA I have disputed my whole record nothing is valid. I don't live at previous addresses, some have never lived reported on file. Only address should be on my report is XXXX XXXX XXXX XXXX XXXX, FL XXXX I certify that this address is correct an only address to be used for mailing purposes or domicile I have provided below insurance policy to assist in identity
Complaint sub-issue: Their investigation did not fix an error on your report

I have been trying to fix my credit report information with Equifax and XXXX all the necessary supporting document was provided to correct the problem but its seems like they can not provide and accurate information every time I called a information provided its always been different Ive been trying to fix my report since XXXX but until now information is still not fix Ive missed a lot of opportunity to get the House we wanted for our family and Im into the point of contact a lawyer and help me fixing this matter Ive wasted a lot of hours and time to give a very detailed information to make the process faster but until now its not being fix and the worse part is my credit score kept on getting lower because of all the inaccurate information
Complaint sub-issue: Transaction was not authorized

On XX/XX/XXXX I authorized a charge with XXXX shoe store. Shortly after I received a confirmation email I noticed the email was from a bogus company claiming to be XXXX. In addition, the company charged me more for the order than I originally authorized. Immediately I contacted Citi to advise of the issue and cancel my card and requested a replacement. Citi sent me documents I was to fill out and return to them which I did. I contacted Citi numerous times requesting status update on the dispute case which representatives advised they received my correspondence and were investigating. Mid XXXX I received a letter from Citi claiming they did not receive my documents. By this point I was irate after my many conversations that led nowhere and much wasted time. Today is XX/XX/XXXX and I have spoken to Citi too many times. I spoke to a very nice representative today who instructed me to write Citi and request an appeal as he was able to confirm I indeed sent ALL information requested and the dispute team overlooked it. I also wrote to the XXXX  which I have yet to hear back from after someone from the executive office called me and told me they work in the credit card section and would forward my concern to the banking side. I am truly beginning to lose all faith and confidence in Citi. This is the first time I raise a dispute and I am extremely disappointed as the company was bogus and while I authorized the charge I shall add I never received any goods or services from this company. Not only was the company bogus which I understand Citi should not take the loss as again I authorized the charge ( mistakenly ) BUT I never received good from the company therefore Citi should dispute this accordingly. I am looking for resolution of the funds being refunded to my account as this fake company does not deserve to keep my money and Citi has dropped the ball all around on this matter.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my credit file, incorrect information was found in my reports. The Equifax and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : EQUIFAX : 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: Investigation took more than 30 days

My social security number was involved in the Equifax data breach earlier this year or last year. When I found out that my social security number was involved, I went about the steps to claim compensation. Since I already have credit monitoring Services I opted for the cash settlement of {$120.00}. This occurred in early XX/XX/2019. I followed all the directions of their subsequent emails after filing my claim and have met all their criteria to receive the settlement. However it has been 6 months and I have not received any confirmation any settlement or anything regarding my claim. Equifax offered either 10 years of credit monitoring or the compensation and since I already have credit monitoring I opted to get the compensation of {$120.00}.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX -- Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX/XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX-Highest Balance {$1700.00} XXXX/XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX-Highest Balance {$1700.00} XXXX/XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX/XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXXXXXX XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXXXX/XX/XXXX