Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt is not yours

After reviewing my credit profile on XX/XX/2020 I identified a discrepancy with an account listed under IQ Data International and validation was requested on XX/XX/2020. On XX/XX/2020 I reviewed my credit profile again as IQ Data International had not responded and a 2nd validation request for the account was sent out on XX/XX/2020. Credit report was reviewed again on XX/XX/2020 and the account was still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally attempt to collect on this account and the account continues to negatively affect me. Please strike and remove the account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and that all information is correct.
Complaint sub-issue: Charged too much interest

I have had my Sears/Citibank Mastercard for many years. The balance as of my XX/XX/2020 statement was {$9400.00}, consisting of {$6400.00} at the regular interest rate of 21.24 %, and {$3000.00} in interest-deferred promotions. On XX/XX/2020 I made an online payment of {$6400.00} to pay off the entire regular interest balance. The only remaining amount should then have been for the promotional items with the first expiring XX/XX/2020. On the Sears/Citi payment website, there is an option to choose to pay promo balances early, instead of paying regular balances with interest, if someone would like to do that. I did NOT choose this option, since it makes no sense to pay off a zero interest item before a 21 % interest item. Note that having an option to select to pay off promo balances first implies that if you do not select to do so, items with interest or higher interest would be paid first. After my payment posted, I noted that my account still showed {$400.00} in regular interest charges, and the XX/XX/2020 promo of {$400.00} paid off! I called Customer Service and was told there was nothing they could do, that it was already applied. I was further told that this was their standard policy to apply extra payments to the promo balances when it was expiring " within 2 or 3 billing cycles. '' My major objection to this practice is how then is the promo for 12 months? The effectively changed the promo to 9 or 10 months, which is NOT how it was marketed. When I challenged the phone representative I was told that " If you called to make the payment we could have applied it to the regular balances, oh, but you wouldn't have known to ask. '' What????? If I knew to ask for something that you never told me I should do, and would never expect to have to call since it should be your practice by default ... you would have done so??? AND since you have an option to choose to pay the promo balances first, but I did NOT select it ( nor did you state that I did ), I was supposed to know that you would do so anyway??? I have talked to several different representatives, asked for this to be escalated, etc. I keep getting responses that tell me what they did ( applied {$400.00} of my payment to promo balance ), which I already know! Two days ago I received an email from " XXXX XXXX XXXX, Account  Manager '' asking me to call him to discuss this. I have done so multiple times, leaving messages, and emails with NO reply. This is further complicated by the fact that I have additional promotional items coming due in the next few months. This means that no matter how hard I try to pay off my regular interest items Sears/Citi will keep applying my payments to the interest-deferred items, paying them off months before they are due, and continuing to charge me interest of 21.24 %. This is WRONG. Either they need to explain that there is no way to pay off regular interest/purchase balances if you also have a promo rate, or they need to explain that promo balances will be paid first, making the promo period two to three months shorter than advertised. Supporting documents will be attached if allowed.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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: Debt is not mine

Enhanced Recovery Company , LLC has reported a debt in collections that is not mine on my credit report. I had it removed 3 years ago by XXXX, and on XX/XX/XXXX they reported it on my credit report again. I attempted to contact them to remove the collections account and they informed me that I should email them with a copy of my credit report because they could not locate the account. I emailed them a copy of my credit report on XX/XX/XXXX. They responded on XX/XX/XXXX stating they could still not locate the account and to provide additional information. I provided this information and they responded again on XX/XX/XXXX stating that they located the account and provided payment details. I then telephoned their location and they stated that I did not send any emails and needed to send an email. After stating that I had already did this, they hung up on me. I called back and talked to another representative and she stated that they had no record of any of my emails and could not help me with the matter. In addition to only being able to tell me how to pay the debt that was n't mine, they also stated they could not discuss the debt with me since I was not the debtor.
Complaint sub-issue: Information belongs to someone else

My Name is XXXX XXXX Todays Date is XXXX XXXX And I Am The Only One Involved In This Complaint My Equifax Report Report Number XXXX And My FTC Report Number is XXXX I'm Writing This Complaint Because My personal Information Was Exposed In A Data Breach I Checked Online & Found Out About The Data Breach I Looked Up My Credit Report I Found Inaccurate, False And Fraudulent Information That Don't Belong To Me I Contacted My Local Police Made A Report They Also Told Me To Make A Report With FTC Because Of Jurisdictions Ive Listed As Many Fraudulent Accounts As I Could .Also Recently I Called Equifax Filed A Dispute Myself And Also I Went Online Submited A Dispute And That Wasn't Helpful At All These Fraudulent Debt Is Hindering My Ability To Apply For My New Home Loan I Don't Know Where To Start Or The Next Step To Take To Remedy This Situation Which Has Caused Financial And Emotional Stress Worst Part I Was Denied A Job Based On Negative Information On My Report, Due to Covd19 I Was Recently Laid Off My Last Employer Now Every Employment Job Opportunity Is Online Based With Background & Credit Check Which Ive Been Denied Due To False Information Reporting With Equifax ..I Have Been Subjected To Adverse Action Pertaining To The CRA 's Reporting Inaccurate Information As A Result Of Fraud Am A Victim Of Identify Theft And I Already Placed A FRAUD ALERT On My Credit Reports Here 's The List Of The Fraudulent I Even Called Equifax Today Waited 3 Hours Before Someone Answered The Phone Just To Hang Up In My Face I'm Very Disapointed With The Way Equifax Has Been Handling My Report 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, FTC Report Number XXXX 605 ( b ) Block. Item must be blocked in no less than ( 4 ) days
Complaint sub-issue: Report provided to employer without your written authorization

XXXX XXXX XXXX CREATE A PROFILE WITHOUT MY AUTORIZATION. AND LIE IN ALL THE INFORMATION
Complaint sub-issue: Reporting company used your report improperly

ENHANCED RECOVERY CO L has flagged your account as Collections on XX/XX/2020. 

Source : XXXX XXXX : ENHANCED RECOVERY CO L Address : XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/2020 Balance : {$310.00}
Complaint sub-issue: Deposits and withdrawals

On XX/XX/XXXX i received a personal loan into my MoneyLion checking account via direct deposit. On that day I also made a purchase of just under {$1000.00}. On XX/XX/XXXX my debit card was declined for a small XXXX transaction. When I checked my account there was a noticed that said were seeing slower than normal responses retrieving your balance. Dont worry, you can still use your debit card to make purchases or withdrawal cash. After seeing this message I contacted customer support who informed me that that account had actually been deactivated due to suspicious activity. I was never contacted asking if the transactions made were initiated by me, they just shut my account down leaving me without access to my account and all of my funds. When I asked how the matter could be resolved I was instructed to send a copy of my current ID, proof of address and an explanation of the charges to their resolutions department. they then told me it would be 3-5 business days to get back to me. I asked to speak with someone in resolutions to expedite the process and they said they could not contact them. I have now been without access to my checking account for 3 days with no access to money. This completely cut me off from all funds and there is the potential this will not be resolved until Friday. This is not a normal banking practice. I was never reached out to by them regarding this and I only discovered it by my card being declined. It is completely unacceptable for the to cut someone off from their account for potentially a week. I sent them all information requested early on Friday as well as several follow up emails with no response. This online bank Id backed by XXXX XXXXXXXX XXXX whom I will also be filling a complaint with through the FDIC.
Complaint sub-issue: Public record

In XX/XX/XXXX I noticed a Bankruptcy docket # XXXX that showed up on my credit that I was not aware of. Imediately, knowing it was not mine, disputed the account with equifax. I even called the court it was listed with and they did not have record of me. They also stated Equifax never notified them about me. It is obvious when looking at my credit file not one account has been listed under a bankruptcy. Please delete this public record.
Complaint sub-issue: Other problem getting your report or credit score

Starting around the beginning of XX/XX/2020 I needed to unlock the freeze on my Equifax account for a refi. However, I was not able to login to my account. I reset my password on the companys website, but when I try and login it would tell me my account has been temporarily locked out. I called Equifax to get them to unlock my account and they told me to fax them my drivers license, SSN, and a pay stub. Which I did a handful of times over the next 2 or 3 weeks. Finally, after about 5 weeks, after I started the process, I received a letter in the mail letting me know that they had lifted my credit freeze ( after my refi was done ) At which point I tried to logon only to find out my account is still locked. I then opened an online support ticket with Equifax, XXXX XXXX XXXX on XX/XX/XXXX. Equifax closed that case the next day, without resolving my issue. I then opened another case number : XXXX on XXXX XXXX to try and get my account unlocked. I have sent them 13 emails so far asking when they are going to unlock my account. I have received two responses from them stating that because of Covid-19 the are  busy.
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted the credit bureaus several times informing them that someone is using my personal information to open credit in my name without my permission.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My Equifax Credit report contains an unauthorized inquiry from XXXX XXXX XXXX, XX/XX/2022. I have been a victim of Identity theft, this has been reported to equifax and this needs to be taken off my credit report. I have called Equifax to dispute this and i am also reaching out to the consumer financial bureau.
Complaint sub-issue: Information belongs to someone else

I have got to the fact that I dont assume too much from you now because you sustained to report this fraudulent information in my file although I have shown over the documents required to defend my distress about being an identity theft victim. I dont have faith in you there at Equifax have no time to wrestle or analyze my complaints and Im sure you have gotten the FTC Ive sent. Im again attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

On XX/XX/2020 Macys Inc. reported that I was late 30 days ( {$8.00} ) on my credit account with them. i checked the last year and have not been late once. I would like this removed.
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. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  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. ( 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 U.S.C. 1681s-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: Personal information incorrect

I've tried several times to have my creditors update my current employer to Equifax. At this time it is reporting the wrong employer. My employer should report as : XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

The credit bureau allowed unverified and inaccurate information to be placed on my credit report after being notified on ( XXXX ) occasions of the inaccuracies. The credit bureau knowingly allowed creditors to report inaccurate information while being formally informed of the wrongful actions. After many attempts to rectify and work directly with the credit bureau to address the intentional acts to defame my financial character to potential business partners of whom use credit as a decision making factor in their offer determinations. I have been affected economically and mentally as a direct result of the inaccurate reporting of this credit bureau. The false reporting of this credit bureau during a pandemic prevented my qualification for assistance programs to provide relief during a severe hardship on the entire country.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2021, I sent formal complaints and an Identity Theft Report to XXXX, XXXX, and Equifax in regards to inaccurate reporting on my consumer report. 
It has been well over 30 days and I have not received a response and have not seen these items removed from my report.

As required by the Fair Credit Reporting Act, 15 U.S.C. 1681c-2, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

They are also fraudulently verifying information on my consumer report. Pursuant to 15 USC 1681d, an investigative consumer report can not be prepared on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living ( which is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information ), whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested, and ( B ) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section 1681g ( c ) of this title ; and ( 2 ) the person certifies or has certified to the consumer reporting agency that ( A ) the person has made the disclosures to the consumer required by paragraph ( 1 ) ; and ( B ) the person will comply with subsection ( b ).

They are violating the law.
Complaint sub-issue: Unexpected increase in interest rate

I have been using my Bestbuy store credit card to purchase all of my appliances at Bestbuy with promotional interest free offers. My earliest promotional balance expiration date is XX/XX/XXXX. 

On my XX/XX/XXXX statement it appears that I was charged {$6.00} for interest charge on an unknown amount of {$320.00}. 

On XX/XX/XXXX I called the customer service at XXXX to dispute the interest charge and inform the rep ( I don't know her name ) that I should not be charged any interest until XX/XX/XXXX ( on a balance of {$310.00} ). The rep claimed the interest charge was on a regular purchase balance and not on any promotional balance. I told her that I have never made any regular purchase. And if I had any regular purchase at all, I would have returned them back in XX/XX/XXXX. The rep still wanted to investigate to see if this interest charge was correct and I was informed I should receive a letter for determination of the dispute. 

In XXXX I did not make any purchase as shown in my XX/XX/XXXX statement transaction description section. It did showed that some returns were made. However, there was a " regular '' balance magically appeared on the " XXXX & XXXX XXXX '' section. 

In XX/XX/XXXX, I had made 1 purchase with promotional interest deferred offer ( expiration XX/XX/XXXX ). I returned this item in XX/XX/XXXX which showed in my XXXX statement. Besides that, I did not make any purchase, including any " regular '' purchase in XX/XX/XXXX. 

Therefore, I should not be charged any interest until XX/XX/XXXX. I feel that Best Buy Card Services is not keeping good record of customers transactions and trying to charge customers fee/ interests without proper receipt and explanation. Even when I informed them of the error in billing, they still wanted to believe it's valid charge as they want to investigate further if they should reverse the charge or not. 

I have attached my last 3 statements for your reference.
Complaint sub-issue: Personal information incorrect

This is my second complaint with XXXX and Equifax on why these addresses that do not belong to me are reporting on my credit report. XXXX is reporting the following addresses that have never belonged to me : XXXX XXXX XXXX XXXX, TN XXXX and Equifax is reporting the following address that does not belong to me and I have never lived at : XXXX XXXX XXXX XXXX, TN XXXX I have sent letters every month for the past three months and they have not sent me any update on removing these addresses.
Complaint sub-issue: Problem making or receiving payments

PNC will not allow me to connect to XXXX app.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Above-mentioned Accounts have 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 an account without my written instructions 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: Account information incorrect

I have a charged off account with   XXXX   XXXX   XXXX  .   XXXX   XXXX   XXXX   has been inaccurately reporting on my credit report as they have sold the account to  XXXX   XXXX   XXXX . I receive mail from   XXXX   XXXX   XXXX   attempting to collect on the debt as well as a letter from   XXXX   XXXX   XXXX   regarding my   XXXX   XXXX   XXXX   account dated  XXXX   XXXX .   When I contact   XXXX   XXXX   XXXX   they can not assist me with my account, so why are they still reporting on my credit report even though they no longer have my account to resolve.
Complaint sub-issue: Investigation took more than 30 days

I have received a copy of my credit report and it shows company DISCOVERBANK account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$5000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX, XXXX. Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX 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