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

Hi I am submitting this XXXX XXXX XXXX this isn't 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 Bum. 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 21 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 XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now
Complaint sub-issue: Debt resulted from identity theft

checking account card was stolen. I issued to close account shortly after unauthorized activity on account. Company was sold to new party .... years later I have an unpaid balance Iam unfamiliar with, that 's now in collections.
Complaint sub-issue: Their investigation did not fix an error on your report

Credit score negatively impacted when a consumer voluntarily closes a credit card account. 

A few years ago I needed to build my credit and only qualified for some less-than-desirable cards with high annual fees or monthly fees. I have since rebuilt my credit and have maintained a {$0.00} balance for the past 2-3 years, but am still being charged high fees. I have not closed these accounts because I have been told this will severely impact my credit score. 

I am asking this to be changed. 

I would like to keep open the low- to no-fee cards I have now qualified for, but close the high-fee ones without hurting my credit score. 

Can this be done?
Complaint sub-issue: Other problem

I'm not entirely sure if my creditor is taking action against me because I maxed out my credit card but my payments have been on time thus far. I do believe my creditor may be using my balance to shut me down by saying I owe them.
Complaint sub-issue: Public record

I have a tax lien from many years ago showing on my credit report that lien was an audit from IRS as soon as I was told about the audit I paid in a payment plan and eventually paid off the owed taxes this has been satisfied and should be deleted. 

I have XXXX liens on my report XXXX listed as prince XXXX county and the other as XXXX county both were satisfied XXXX satisfied through wage garnishment ( was n't a valid debt but it went to court unbeknownst to me ) in any event both have been paid to get it resolved off of my report please deleted these old satisfied liens and stop listing them as current
Complaint sub-issue: Frequent or repeated calls

I have been getting a large amount of phones call from multiple numbers for wedt asset management ( only reason i know its them is i googled the number ) never leave a vm. When i answer the call it says please hold and transfers or is an automated system. Previously i have advised this company to stop call me on multiple occasions. I have no clue why they are calling as i have never reicived a notice in the mail from them. I want the harassing to stop!
Complaint sub-issue: Personal information incorrect

Need assistance to correct name, address as there is incorrect information on my report.
Complaint sub-issue: Received bad information about your loan

XXXX though American Education Services loan has a billing disgrepancy and an error reporting. According to the loan statement dated XX/XX/2018. Loan for original balance XXXX total principal satisfied XXXX showing this information on the monthly statement.

When principal is satisfied the loan is paid and no further interest should incur. They are still asking for payments of $ XXXXfor a total XXXX at the time.

Still making payments but this should be a paid off loan if the principal has been satisfied I feel like they are trying to get more money out of me. Please have my account looked over for accuracy. I called but was not given a reasonable explanation as to the billing presentation on the monthly statement.
Complaint sub-issue: Public record information inaccurate

I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. Equifax refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.
Complaint sub-issue: Reporting company used your report improperly

I've been denied several employment opportunities because Checkr and companies like them report that I was XXXX three times and Checkr doesn't only tell what my XXXX in XXXX actually were but the XXXX  in place before the XXXX got involved. I have XXXX my time and my XXXX XXXX to satisfy the government. Chekr should not legally be allowed to share my information Under Any Circumstance unless for XXXX XXXX  persuing XXXX XXXX  against me or by XXXX XXXX. OR, They should agree to put me on their payroll as they are actively working to keep me and others like me, unemployed.
Complaint sub-issue: Keep getting calls about my loan

I told Premier Credit on XXXX/XXXX/16 they called me at work and to stop calling me at work. They admitted on the phone that I told them this yet I have a log of them calling 13 more times at work. They are not allowed to do this and it is harassment. I will be filing a law suit against them
Complaint sub-issue: Account status incorrect

Submitted online XX/XX/XXXX, mailed XX/XX/XXXX " Dear Sir or Madam : I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received. 

These items by XXXX XXXX ( Account # # : XXXX ) are inaccurate because correspondence was continuously mailed to the wrong address, thus I was unaware of payments being due/delinquent. I am requesting that the items be deleted to correct the information. 

Enclosed are copies of correspondence/bills/letters mailed to the incorrect address, supporting my position. Please reinvestigate these matters and delete the disputed items as soon as possible. '' Responses received XX/XX/XXXX and XX/XX/XXXX that " ... investigation included the review of all relevant account history and documentation ... we determined the information reported is accurate ... .credit adjustment denied ''
Complaint sub-issue: Investigation took more than 30 days

I requested information on my credit report to be verified and they never got back to me and it's been well over 30 days.
Complaint sub-issue: Public record information inaccurate

I am divorced as of a year ago in XX/XX/XXXX, filed chapter XXXX  bankruptcy which was filed on XX/XX/19, loans against house through XXXX and XXXX were both taken off credit report, ex husband changed loans through another company for house and now my name is back on loan as joint account holder and it is on both Equifax and XXXX credit reports after having been removed from bankruptcy, talked with XXXX, not easy to get this task done, also emailed Equifax but forms are difficult to complete and although it was taken off credit report and put back on by them I have to jump through hoops to get this done, in a nutshell, XXXX XXXX XXXX has my name on account, cannot contact them or talk with anyone because I have no account info, so I am in need of assistance. bankruptcy lawyer more than willing to submit papers but no one even has a fax number, but tons of forms to fill out, I don't understand how it was taken off by them but placed  back on in error but not able to be fixed.
Complaint sub-issue: Problem with rewards from credit card

I had maintained two MasterCard Cash Reward accounts with Bank of the West, but did not receive the cash rewards stipulated by either one of them : 1. {$330.00} on one account, and 2. {$6.00} on the second account. I attempted three times to redeem these rewards, first by calling the bank call number, second by visiting the XXXX XXXX branch, and the third time writing a letter to the bank, but they have failed to provide my earned rewards.
Complaint sub-issue: Overdrafts and overdraft fees

I have contacted US bank several times now regarding me getting sick and being hospitalized, which makes me unable to work and get money into my accounts. I need to catch up with my bills, and it's impossible to clear the balance. I have gotten numerous overdrafts and or returned check fees and am looking for some assistance with the charges, please. I have XXXX children and I'm trying to make ends meet until I'm back at work. Customer service has not helped.
Complaint sub-issue: Investigation took more than 30 days

I have contacted LexisNexis mutiple times in order to get a bankruptcy account # XXXX removed from my LexisNexis report. The last dispute I sent to LexisNexis was on XX/XX/2020. LexisNexis did not reply back to my dispute until XX/XX/2020. Also when LexisNexis responded to my dispute they did not investigate the matter. Their response states that they were " unable to locate the disputed item in our database ''. LexisNexis should delete the bankruptcy account # XXXX because they did not investigate the account and they did not reply to my dispute within 30 days. 

I have attached copies of my dispute and their response.
Complaint sub-issue: Problem making or receiving payments

Hi XX/XX/23 I called us bank because I'm tried of them holding my money I Feel that like there are stolening my money. Honestly ever XXXX counts for me. And when I deposited money for the bank why should I have to wait for them to approve it or the mecherent. I get confused I don't know how to read my statement. In current thing so I was wondering if you guys can make sure I'm not getting robbed. Thank you
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

To whom it may concern : The following student loan accounts are all from over a decade ago, and the date of first delinquency is well over 10 years on each of them. The date of first delinquency shown on the credit report is INCORRECT!

These student loans must be removed from my credit report immediately.

U S DEPT OF ED/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX Date Opened XX/XX/XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

I recently sent letters over 60 days ago to this bureau and they are disregarding a regular consumer 's disputes. Iv'e been given the run a round and need this to be solved. I'm deeply stressed because this is effecting me heavily and as a single father to a XXXX XXXX, I am trying to better my future but this is holding it up. I have been sending letters before this and still no response.
Complaint sub-issue: Received unsolicited financial product or insurance offers after opting out

In XX/XX/2020 I completed the online process to request a security freeze with data reporting company SageStream , LLC. I also submitted a request for a copy of my consumer report that they have to be disclosed to me. I never received confirmation of my request. I never received a pin number for the security freeze I requested. I have called their number XXXX XXXX XXXX XXXX numerous times and no one has ever picked up the phone. The line instructs to leave a message and someone will get back to me. I left numerous messages and NO ONE EVER got back to me. SageStream , LLC is a for profit data reporting company that has information on consumers and it is unacceptable that they are evading responding to a consumer that they are reporting informaion on. I have not been able to review the report they have on me or confirm any inaccuracies in their report. I want SageStream , LLC to stop violating my rights and to produce a copy of my report and confirmation of the security freeze I originally requested.
Complaint sub-issue: Account information incorrect

I been a victim of fraud and identity theft i been trying to fix this for a while with the creditors and there crdit cards banks card and retail card that been open for years o been trying to resolve all this round a round i get from this companies that say theres nothing open. I done reports of this online abd still don't get resolved..
Complaint sub-issue: Reporting company used your report improperly

XX/XX/XXXX I had called XXXX XXXX to attempt setting up my own account. I was asked for my social security number so they could do a credit check. I specifically asked if it was a hard inquiry or a soft inquiry to determine if it would affect my credit report. I was told by the customer service agent it would be a soft inquiry, so I proceeded through the process to establish an account. Officially XX/XX/XXXX I had established my account with XXXX. XX/XX/XXXX I visited XXXX XXXX and noticed I had a hard inquiry from XXXX on my Equifax credit report. I immediately called XXXX and reported this false information, and they told me that there was nothing that they could do that they apologized for having been given the incorrect information. I also later called Equifax and they told me there was nothing they could do to investigate or remove the inquiry. Bottom line, the correct course of action was taken, XXXX 's process is actually to pull a hard inquiry to the credit report to be able to have an account. But I was directly misinformed when trying to establish my account.
Complaint sub-issue: Company closed your account

I am XXXX years old. I have been a Discover Credit Card customer for over XXXXyears. I have never missed a payment. Discover was one of the first credit cards I received that helped me build my credit. I started with a credit line of {$2000.00} and they slowly increased my credit line to {$4800.00} due to my good payment history. For some reason, during the pandemic, Discover closed my credit line. At the time, I had a XXXX balance so, I didn't realize it for a few months. This negatively impacted my credit given : ( 1 ) it closed an account that I had since I started to establish credit ( lowering my average length of credit ), ( 2 ) dramatically increased my credit utilization given the {$4800.00} credit line had a XXXX balance, however, it was one of my larger credit lines, and finally ( 3 ) it says that it was closed by my creditor which is another negative impact. As I stated, I have always paid all of my creditors on time since I first established credit at XXXX years old. My income has only increased over the past year and I have had a stellar payment history with Discover. There was no reason for Discover to close my account, particularly in the middle of a pandemic.
Complaint sub-issue: Threatened or suggested your credit would be damaged

My mortgage loan got sold and the servicing moved to a different servicer ( LoanCare/XXXX XXXX XXXX XXXX on or around the first week of XX/XX/2020. During the process and before this was communicated to me I made a payment ( {$3300.00} due + {$720.00} of extra payment ) to the previous servicer that is yet to be transferred to the new servicer. 

Since XX/XX/2020 and up to today XXXX XXXX XXXX XXXX I have been receiving daily harassing calls requesting payment of the allegedly missed amount, even if I called them multiple times explaining the situation. After receiving a call yesterday the XXXX telling me that the issue will be solved and making my due + principal payment for the month of XXXX XXXX {$3300.00} due + {$720.00} extra principal ), I have received a letter today XXXX XX/XX/XXXX ) notifying me that they will be reporting that I am late to the credit agencies. All this on violation of the 60 days moratory for this actions during a servicing transfer. 

To make matters worse, the agents at XXXX told me that they could not do anything to stop the harassment unless a payment was made over the phone and even suggested illegal approaches as returning the payment I made to the previous services and make an additional payment to them instead.
Complaint sub-issue: Information belongs to someone else

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XXXX. XXXX, 2020, XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX XXXX A add a hard inquiry on my credit reports. 
On XXXX. XXXX, 2020, XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, 2020, XXXX XXXX add a hard inquiry on my credit reports.
Complaint sub-issue: Reporting company used your report improperly

Equifax disclosed my personal data due to a security shortcoming.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax updated the XXXX XXXX account showing I have a balance of {$320.00} but that is incorrect. The last report from Equifax shows XX/XX/2022 on the credit report. The actual current balance is {$15.00} due to the interest and annual fees. Would you please assist?
Complaint sub-issue: Reporting company used your report improperly

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under. 

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 instruction. 

Also the Credit Bureaus took more than 30 days to complete my investigation here is my certified mail tracking XXXX
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX company, continues to maliciously, inaccurately, and illegally report this bogus collection to equifax. See attachment. 

The initial delinquent date is suppose to be XX/XX/2014 and they continue to report it a year later beyond the accurate date!
Complaint sub-issue: Information belongs to someone else

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have Items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 {$0.00}, XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX ) XXXX Balance : {$140.00}, XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX  ) XXXX  Balance : {$390.00}, XXXX XXXX XXXX  Inquiry XXXX XXXX XXXX, 2022, XXXX XXXX XXXX XXXX  Inquiry XXXX XXXX XXXX, 2022, XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022, XXXX XXXX XXXX  XXXX Inquiry XXXX XXXX XXXX XXXX, 2022, XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2022, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, 2022, XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2022, XXXX Inquiry : XXXX XXXX, 2022, XXXX XXXX XXXX XXXX : XXXX XXXX, 2022, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2022, XXXX  XXXX Inquiry : XXXX. XXXX, 2022, XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2022
Complaint sub-issue: Information belongs to someone else

i would like for equifax to remove all of my XXXX XXXX XXXX XXXX accounts. the accounts seem to be showing balance increases when they should be showing balance decreases on the credit reports through the credit bureaus.
Complaint sub-issue: Information belongs to someone else

Equifax was unable to help me with my concern so I decided to get in touch with you.. The accounts are not mine and shouldn't be reported on my credit file. They simply provide me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB in order that you remove the following accounts XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ,