Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Right to dispute notice not received

There are XXXX accounts that continue to show up on my credit report with a new collection agency every time I dispute the accounts but I 've yet to get any notification from any of the collection agencies reporting the information before they report it. I just recently reviewed my report to notice that Enhanced Recovery is now reporting the account and I 've never even heard of them. However, in the mail today I received a settlement offer from a different collection agency on one of the accounts that says nothing about enhanced recovery. When I dispute the items, I request validation on the accounts because I am completely unaware of where they accounts have come from. They get deleted and nothing is ever sent back to me so I am under the assumption they 've finally gone away. Then a month goes by and suddenly it shows up again but noone has ever informed me of the information before they just slap it on my credit report again. It 's my understanding that I am supposed to receive a letter giving me 30 days to dispute the validity of the debt prior to reporting it as well as send me this letter within 5 days of receiving the debt and none of this has ever taken place. If this is my account ( which it is not ) then why is it that when I request records, I ca n't get anyone to provide any documentation so they remove it then they just rereport it with a new collection agency without any warning? Also, one of the accounts ( XXXX ) lists an original balance of {$230.00} and on the letter I just received from the other collection agency it lists a balance of {$230.00} but then on my credit report it lists a balance for {$790.00}. None of this is legal and it 's a shame companies like this are even allowed to be in business. This is peoples lives they are messing with and they do n't care.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has not changed my credit score in 3 years. Ive received credit cards paid on new car and none of this is reflective on my credit report. Ive informed them of this and they told me its not their fault that creditors arent reporting positive credit, which is not true. However, they can report negative credit on my report but are refusing to put positive reports.
Complaint sub-issue: Right to dispute notice not received

This was a apartment complex called XXXX XXXX XXXX in which I did not receive a bill. I was expecting my deposit returned of {$350.00} but instead they say I owe around {$100.00} that now shows up on my credit report under a collection company called Hunter Warfield. I have sent a letter to XXXX XXXX XXXX either asking for my refund of a detail receipt of the bill in question. I have receive nothing from the company.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

Inquired about {$300.00} increase and did not receive a response to the request.
Complaint sub-issue: Information belongs to someone else

Someone had submitted multiple fraudulent applications with multiple banking institutions, including with XXXX XXXX XXXX XXXX, XXXX and XXXXXXXX XXXX ( all were reported to the credit bureaus around XX/XX/XXXX to XX/XX/2021 ). The credit inquiries resulted from filing credit applications with the above listed institutions have already been reported to all 3 credit bureaus and has already begun to have a negative impact on my credit score.
Complaint sub-issue: Information belongs to someone else

XXXX, EQUIFAX and XXXX are reporting The following alleged account in my credit file and is listed as a collection with a PAST DUE balance of {$3400.00}. REPORTING A PAST DUE BALANCE ON A COLLECTION ACCOUNT IS INACCURATE REPORTING ACCORDING TO FCRA. This account being reported does not belong to me. 

Account Name : XXXX XXXX XXXX XXXX  ACCOUNT # XXXX The account says opened XX/XX/2019. However the account also says date assigned is XX/XX/2019. The account also states date of first delinquency is XX/XX/2019. This is inaccurate reporting and are in violation with FCRA laws and guidelines. The 3 bureaus are reporting different information in which is considered inaccurate reporting under FCRA laws. THIS ACCOUNT BEING REPORTED IN MY CREDIT FILE IS A VIOLATION OF REQUISITE METO TO COMPLIANCE REPORTING STANDARDS. ACCORDING TO THE FAIR CREDIT REPORTING ACT, I HAVE THE RIGHT TO A FAIR AND ACCURATE CREDIT REPORT. THEREFORE ANY INFORMATION THAT IS NOT TRUE, ACCURATE AND VERIFIABLE IS REQUIRED TO BE REMOVED/DELETED.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/17 my credit was ran and I am now showing a hard inquiry on my credit report from this creditor. I did not authorize the creditor to run my credit and I d not have an account with them.
Complaint sub-issue: Their investigation did not fix an error on your report

previously have been trying to get an issue addressed regarding identity theft on my report .... I have had several addresses and accounts that were as a result of my identity being stolen ... the addresses and some information has been removed and corrected but the accounts have not, .... i have a past ftc affidavits and I have added the additional accounts that I left out on these ftc affidavits ... since I have reached out to the company and again sent all of my information XXXX has accepted the FTC affidavit and blocked all of the fraudulent items except the last one on the report ... it has been well over 4 days since this has been received and accepted by them and they have overlooked the account VW Credit acct # XXXX this account reporting is out of compliance with the FCRA and the statute regarding blocking fraudulent accounts .... I am thinking this is just an oversight seeing as this was the last one on the report but I am requesting that this is taken care of immediately and blocked from my credit file permanently
Complaint sub-issue: Account terms

On Friday XXXX XXXX I contacted equifax to dispute a duplicate charge from XXXX. I explained that there are XXXX accounts listed, XXXX closed and XXXX open with a balance of XXXX. I explained that the account was closed in XX/XX/XXXX and this account is a duplicate. Equifax reported on XXXX/XXXX/XXXX that they had completed the investigation and that they contacted XXXX and " the balance is being reported correctly ''. Equifax then changed the date of last reporting on my credit report to be XXXX/XXXX/XXXX. On XX/XX/XXXX I contacted XXXX and they stated that they have never been contacted by equifax and that I have no open accounts. They stated that there are no open accounts and They mailed me a paid in full letter. I have tried multiple times to file another dispute with equifax online, but their system states that the info I 'm inputting is not valid and it will not allow me sign in. This duplicate account has been on my credit report since XX/XX/XXXX and is currently prohibiting my ability to obtain a mortgage.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Due to my partner and I getting jobs in a new state, I was forced to terminate my lease at XXXX XXXX Apartments in XXXX, TX. XXXX XXXX is owned by XXXX XXXX. I vacated the property and turned in my keys on Sunday, XX/XX/2022. I received a bill for {$9600.00} in accelerated rent on Wednesday, XX/XX/2022. Per the terms of the lease, I had 30 days to pay the debt. 

On XX/XX/2022, I received a message from Hunter Warfield notifying me that XXXX XXXX had sent my debt to collections and I have been notified that my balance due is now {$9700.00}. However, it has neither been 30 days since I vacated the property nor since I received the final invoice. To my knowledge, it is not legal to send a debt to collections before 30 days. 

Furthermore, the debt that XXXX XXXX sent to collections was already under dispute. I have filed a XXXX XXXX XXXX complaint against XXXX XXXX, to which they have never responded. Consequently, I have begun working with an attorney in order to resolve XXXX XXXX failure to uphold their responsibilities according to the terms of the lease.
Complaint sub-issue: Reporting company used your report improperly

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with this company. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with this company for review or collection. 
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 
By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Complaint sub-issue: Trouble with how payments are handled

As a mother, I decided to make a positive change in my life and go to college so I could get away from government assistance and build a better future for my children. I started college XX/XX/XXXX and went to school at night. I graduated from my XXXX XX/XX/XXXX and decided to keep going and went to XXXX XXXX. I graduated from XXXX XXXX XX/XX/XXXX but could not find any employment until XX/XX/XXXX. My student loans were serviced by XXXX and had been in deferment since XXXX. Due to moving multiple times, I was unaware that my student loans had come out of deferment after I graduated. By the time I found out, my student loans were 150 days late. I had XXXX different student loans all being serviced by the same provider at the time. My student loans were not consolidated. Therefore, I suddenly had XXXX negative reports on my credit. I contacted Fedloan immediately and explained that I did not have employment sufficient to pay the loans at that time and that I had not received notification that they were out of deferment. Fedloan agreed to put the loans into forbearance and BACKDATE the forbearance so it would be as if the loans never came out of deferment. Fedloan backdated the forbearance to show that the account was in forbearance from XX/XX/XXXX - XX/XX/XXXX. I have had no issues since. Now, for the first time in my life, I am ready to buy a home. I have been turned down now by XXXX different banks for a mortgage because my credit report shows XXXX different accounts reporting that I was 150 days late XX/XX/XXXX - XX/XX/XXXX. I have sent XXXX proof that the forbearance was accepted and that my loan was considered in forbearance during the time period that my credit report is saying I was 150 days late. I have disputed this twice and they refuse to remove it from my report. After all of my hard work to make a better life for myself and my family, I am unable to purchase a home because of these negative reports. Why would Fedloan backdate my forbearance to show the loan as never late unless they wanted it to reflect as never late. I have provided proof of this forbearance and yet Fedloan and XXXX refuse to remove it from my report.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I am the co-signor on this auto loan that was purchased in XXXX. In XXXX, a payment was made on XX/XX/XXXX for {$850.00}, on XX/XX/XXXX for {$650.00} and I promise to pay on XX/XX/XXXX which will be XX/XX/XXXX payment. I have received phone calls XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX twice, XX/XX/XXXX, XX/XX/XXXX, Called my co-worker XX/XX/XXXX and XX/XX/XXXX ; called my neighbor XX/XX/XXXX ( 3 times ), I have asked the collection agency in XX/XX/XXXX to stop harassing me with the phone calls. I have asked the collection agency in XX/XX/XXXX to stop harassing me and my neighbor and my co-worker with the phone calls, and they stated that they would put in their notes to stop calling me and my neighbor and my co-worker, but they have Not Stopped the calls as of today XX/XX/XXXX. I am at work, and they continue to harass me about a payment while I am trying to do my job at work. I continue to tell them that this needs to Stop.
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/2021 we were at all inclusive club in XXXX XXXX, XXXX  XXXX XXXX- we attended a spa on the property and had massage that was a compensated service. 
When we arrived home in XXXX we noted a charge on Citicard for {$1200.00} that we did not make it was on the same date we were receiving massage. On the card statement is states " XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

We made a complaint to the credit card company and they responded to say they did not believe it was fraud. 
We appealed the credit card decision and appeal resulted in same response. 
The charge was in XXXX so we don't even know what was charged and we requested proof that they had my signature on the credit card receipt - card company did not produce any response. I have no knowledge of what was purchased or who purchased it. 

The same issue arose with another couple we were with - on the day before our charge but also around same time they were in the spa- ( we now suspect employees of the spa ). They had XXXX XXXX card and it was immediately removed from their card. 
They did cancel our card and issues us a new one to may sure no additional fraud occurred- which to me shows they knew it was fraud.
Complaint sub-issue: Account status incorrect

My complaint is about Equifax Credit monitoring. I'm experiencing some type of computer/technical scoring error on my credit file with them. Typically, if a decrease in the balance of an account happens and there are no other changes but the decrease, the credit score will increase because utilization goes down. In my case, since XX/XX/2022, whenever I pay a portion or even the full balance of an account, my score is dropping and it's dropping by the same each time of 75 points! I have spoken to several agents at Equifax and they have not been able to help and stated that there is no one there that can help with a credit score issue. I know that they have to have a department that can look into this, but no one is willing to assist, I really need help with this, because it is making my file unstable and unpredictable and I'm afraid to pay down balances or even apply for credit now.
Complaint sub-issue: Public record information inaccurate

my housing application was rejected based on derogatory notes on my credit report. On XX/XX/19 I Called Equifax to get a copy of my credit report. Their rep gave me a run around and after 30 min. when I asked to talk to a manager he put me on 10+minutes of hold and never returned. I needed copy of report because I was denied housing and needed the issue to be resolved quickly. So, next I went on Equifax website to " request free copy of your Equifax credit report : Online at Equifax.com/FCRA '' ( https : //aa.econsumer.equifax.com/aad/landing.ehtml ) I submitted my info, but at the end, instead of the report I got a message " we are unable to deliver your credit file online. You may call us to request your credit file be sent to you by contacting us at XXXX '' ( see attached ) I called the # but there was no one to talk to and that wasted another 15 minutes of my time. 
I called Equifax # again : XXXX, asked to talk to a manager. A supervisor came online and after getting all my private info told me I had to send more info by mail. I told him I had already applied online and I should be able to access the same info Equifax provided to 3rd party  about me, and I didn't have the luxury of another month or two to wait for the back and forth. Instead of providing the info they provided to 3rd parties about me so that I can contest it, the supervisor hung up on me! 

I am lodging this complaint against Equifax for 1-wasting more than an hour of my time on the phone and acting rudely by hanging up, 2-for deceiving me and others to input private info into website but once they got all that private info, refusing to release the credit report, 3- dragging the matter with no intention to resolve it, while they provided derogatory remarks about me to the landlord, as a result of which I was denied housing. 
Finally, since I already filled out their online application and did call XXXX but no one was available, and since I need this info soon to do damage control, I want Equifax to send me the credit report immediately, by email to ( XXXX )
Complaint sub-issue: Information belongs to someone else

I have been having an on-going problem with Equifax. This sub-standard company is violating Federal Law at will and does not care about customer service, proper conducting of investigations and continually reporting false information and undocumented information in violation of law. I had an ID theft ( prior  complaint filed XX/XX/19 ) back in XXXX of last year. ALL other credit bureaus removed the false accounts but not Equifax. They have been supplied with ALL documentation yet they keep reporting this account : XXXX XXXX and XXXX on my report. There is no reason to continue reporting this false information. I am really shocked a company like Equifax would do this. I have been denied employment as a result of this false information and I fully intent to sue them for damages if they do not remove this. Please help. Hold them accountable for this!!!!
Complaint sub-issue: Fraudulent loan

Please answer each Fact stated in the Affidavit of Truth attached hereto. These and all other attachments/ Exhibits were received by Ally Financial on XX/XX/XXXX.
Complaint sub-issue: Was not notified of investigation status or results

XXXX XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello, Last month I received notification on my Equifax report that my credit score dropped XXXX points from XXXX to XXXX. I checked my credit report and noticed an open account was listed under XXXX with a balance of over {$20000.00}. This is fraudulent and I conducted an online dispute with Equifax, but after their investigation they would not remove the fraudulent account, stating it was legitimate. I called the XXXX 's customer service number ( XXXX ) on XX/XX/XXXX and spoke with XXXX ( Operator ID XXXX ) and explained the problem. She confirmed that there were no active accounts currently open in my name with XXXX, with the only account listed was a closed account I had from XXXX. I told her that I have a pdf with the results from Equifax where they stated I had an open account and a {$20000.00} balance, and she informed me that I needed to mail this information along with a letter in writing to this address, which I did to the address below : XXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX Delaware XXXX I then called Equifax directly after that ( again on XX/XX/XXXX ) and was told that they only thing they could do was to dispute the dispute. So I opted for that route and was told it would take another 30 days ( dispute # XXXX confirmation # - XXXX ) I don't know where else to turn, but I have literally spent now over 13 hours between research, holding on the phone and talking with various people ( in addition to placing fraud alerts on my account ) and I have gotten no where. XXXX 's literally has stated they have no open account in my name in their system, yet Equifax refuses to do anything. Please remove this fraudulent activity from my credit report. The Equifax dispute report that shows the account information is attached, with a summary below. 

Last 4 of account number XXXX. 
Date Opened XX/XX/XXXX XXXX XXXX- {$20000.00} XXXX XXXX- {$21000.00}
Complaint sub-issue: Charged too much interest

1 ) Elan has been conducting predatory lending practices. Allowed spending to go well beyond the limit, then started penalizing with fees, higher interest rates for being over-the-limit and for being unable to pay the high minimum payment. The resulting interest rates were exorbitant, usury and gouging. 

2 ) Charing late fees when the payment was received on-time, however I was unable to pay the full minimum due, even though 2/3 of the minimum was interest. 

3 ) The total owed as part of the XX/XX/2019 hardship arrangement contains high interest charges for the past several years, which was based on incorrect information provided by XXXX. I have been unable to reach anyone at XXXX to help correct the information. When addressing the issue with Elan, they refused to work with me until I mention that I was filing a report with CFPB.
Complaint sub-issue: Problem getting your free annual credit report

I can not find a way to contact Equifax to access my online credit report and dispute a claim. Through XXXX XXXX, I have a claim that is my fathers debt, not mine. I can not access an online portal because they claim i tried to get a credit card in the past that i never tried to get. My complaint is their ineffective website and its lack of ability to assist my needs. I just want to be able to access my free report and dispute he claim. I can not do this because I am being accused of attempting a credit card and auto lease that I never signed up for ( identity theft ). I do not know the company these claims attempted to go through because i did not do it myself. I need a way to contact them and their customer service failed to assist me.
Complaint sub-issue: Information belongs to someone else

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX  XXXX  CONNS XXXX ... XXXX XXXX XXXX ... XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.