Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Personal information incorrect

I live in XXXX, and my father, he had an home in XXXX ... ... we have the same name, the only difference will be XXXX ( him ) and XXXX ( Me ) ... ... .. 
they keep putting this " XXXX " address on my credit report and i call in, and they remove it, and it re-appears again a week later, i did call them again and they keep just deleting it, then it re-appears again, ugh, so frustrating. 
I request that they solve it and possibly block it from re-appearing ever again. 
please have them call me to discuss exact details ( to ensure the correct wrong address is deleted )
Complaint sub-issue: Unexpected increase in interest rate

Case XXXX In response to the written letter received by Discover : Discover card did not bother requesting updated information concerning the name discrepancies. I'm requesting that Discover change my name to XXXX XXXX on both accounts ending in XXXX opened XX/XX/XXXX and account ending in XXXX opened XX/XX/XXXX. 

Military Lending Act/SCRA - It is required that Discover charge a max rate of 6 % and requesting a refund of interest charges from XX/XX/XXXX - to date. 

XXXX  XXXX score - My social security number is the same under both names and Discover is required to provide accurate information therefore by engaging a third party to provide relevant information should be researched on their end not sending me back to the third party providing the inaccurate information. 

Please provide a written response to my mailing address
Complaint sub-issue: Threatened or suggested your credit would be damaged

I.C System inc. is in violation of USC 1692b. ( 5 ), violation of 15 USC 1692b. ( 2 ), violation of 15 USC 1692d and violation of 15 USC 1681.
Complaint sub-issue: Account status incorrect

I purchased vehicle in XXXX of 2017 through XXXX XXXX XXXX. I changed insurance company XX/XX/2017.and at the end of XXXX I cancelled my old policy with XXXX and backdated the end date to XX/XX/XXXX, the new policy was in effect but it shows the start date was XX/XX/2017, which is a two day discrepancy. XXXX XXXX XXXX contacted me and asked for proof of insurance. I inquired if the vehicle insurance card was acceptable and I was told yes. I sent the card and about a month later they contacted my a second time and asked for the declaration page. I sent that document to them also and they sent a letter stating that I owed them for two months of insurance because their record show I didn't have any so they place insurance on the vehicle. I provided them with insurance information and wrote a letter in an attempt to resolve this issue, they were rude on the phone and continuedly would tell me they didn't receive no letter or any information pertaining to proof of insurance. They are demanding {$710.00} for two months worth of forced insurance and are adding XXXX per month late fee even though I have proof that the vehicle was covered. Also they have adversely affected my credit by reporting late payments to all credit bureau causing my score to drop which has blocked my from acquiring new loans.
Complaint sub-issue: Their investigation did not fix an error on your report

I am writing to you for help regarding my Credit Report with EQUIFAX. I am launching a complaint due to the fact that Equifax is not adhering to the FCRA Rules and Guidelines. Their reporting is inaccurate. They are reporting inaccurate information from data furnishers. They are not even trying to investigate the inaccuracies, and this is unfair to the consumer ( me ). I had a XXXX XXXX and XXXX and was hospitalize. During this time, I was staying with other people and my belongings were thrown in the trash by mistake, I was told. There are accounts reporting on my credit report that I know are not mine. Ive reported ID Theft and disputed accounts with all three Bureaus. XXXX and XXXX both have blocked and/or deleted accounts after their investigation. How is it that Equifax is coming up with a very different outcome? I have spoken with a few of the data furnishers and was told that its not coming from their end. I am asking for Equifax to now prove to me how they are investigating and their evidence that these accounts are mine. I want this proof for when I file suit in court for punitive damages and whatever else I can sue for. Right now, I am recovering and trying to find a job. With my current Credit History, I dont qualify with the type of job I can do at my age and with my health issues. The accounts in dispute are : XXXX XXXX, XXXX, XXXX, XXXX/XXXX, XXXX XXXX XXXX, and XXXX. These accounts were opened around the same time ( XXXX ). I have tried to dispute this myself in XX/XX/XXXX, and I have paid for help from 2 other companies ; in XXXX and XXXXXX/XX/XXXX. Thank you in advance for any help you can give me.
Complaint sub-issue: Account status incorrect

XXXX # XXXX is reporting a late that I should not have. I was never late as I did not owe a payment at the time, the doctor who billed me decided he couldn't do the treatment and cancelled. I never received a bill and it was supposed to be 6 months with no payment or interest. I recently found a different doctor to do the treatments and started with them. No payment was due and they are in violation, I should not have a late.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : BBVA USA XXXX Balance : {$0.00} ; BBVA USA XXXX Balance : {$0.00}
Complaint sub-issue: Personal information incorrect

Consumer reporting agencies are reporting inaccurate address information on my consumer file. I've mailed in dispute letters. I'm not sure why their employees always mentioned to contact the creditor as if I the consumer control what information the creditor reports. FCRA gives me the right to dispute directly with the consumer reporting agencies by federal law to make sure the information is fair & accurate. My address should only show " XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX '' as it is correctly accurate. 

Delete XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX from my consumer report as it is inaccurate information reporting. You are all in violation FCRA under 15 U.S.C. 1681
Complaint sub-issue: Problem making or receiving payments

on XX/XX/XXXX i want to log in my online banking to make a payment XXXX dollars, after i type my password three time, everything is correct but the bank said is in correct then log my account .it make me late payment that ; s not the first time after i type the password it said is in correct, happen for more than 4to 5 time and i try to contact the customer service IN XX/XX/XXXX i contact customer service i wait more than hour until i hang up still no one answer my phone? than on XXXX XXXXi try again i wait for almost 2 hours same thing until i hang up still no one answering my phone today i call again still no one answering my phone .what kind of customer service they provide.up to today my online account still can not use it.
Complaint sub-issue: Trouble with how payments are being handled

I have been making payments towards my student loan under and income based repayment plan in an effort to qualify for the student loan forgiveness program. I would be finish with my 120 payments or close to it however Fed loan servicing is now telling me half of my payments did not qualify under the 120 payment.
Complaint sub-issue: Other problem

In XX/XX/XXXX I requested a refund of a credit balance of {$430.00}. The person on the phone asked for my address, I gave her my address and she said that I would get the refund in about 30 days. I asked if it was going to be a Citi or a non-descript envelope and she said Citi. 
After the 30 days had passed I called again and was told that they were going to re-issue the check. When I gave her my address she indicated that they still had my old address on file. She corrected my address and told me to expect a non-descript envelope in 30 days. 
On XX/XX/XXXX I called about the status of my reimbursement. XXXX told me that it had been processed and that it should arrive by Thursday ( XX/XX/XXXX ). 
On XX/XX/XXXX I called about the status of my reimbursement and to speak to a supervisor. XXXX told me that a supervisor would call me in 24 hours. 
On XX/XX/XXXX I received a call from a Citi supervisor and she assured me that the payment was going to be reissued. She told me that she was going to find out if the check could be XXXX and that she was going to call me back to let me know. She never called back. 
On XX/XX/XXXX I called again and XXXX said that the payment was arriving that week. 
I have checked the mailbox every single day for months now and I have received no check. I get Citi 's junk mail just fine. Today is XX/XX/XXXX.
Complaint sub-issue: Didn't receive notice of right to dispute

A collection just showed up on my credit, it is not my account. I do not owe this nor is this mine. Please help I got no notification from this company or I would have fought this. It just was reported on my credit file. Please help
Complaint sub-issue: Information belongs to someone else

Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Complaint sub-issue: Didn't receive advertised or promotional terms

Key Bank Rewards program is misleading by saying they are giving you XXXX points per XXXX spent. When you go to redeem you can only get {$1.00} for every XXXX points so in effect it is only XXXX point per {$1.00} spent. 
I have XXXX points with Key Bank. They say that is worth {$110.00}. 
Last year I had XXXX point with XXXX. They gave me {$500.00}. 
Key Bank is using rewards points terminology that all other credit card companies use but all other companies actually give you what they say they will. 
Key Bank is being misleading and dishonest with their rewards points advertising. 
I have spent too much time looking through Key Bank info for anything that says what the true point value is. It is not until you go to redeem that you find out.
Complaint sub-issue: Their investigation did not fix an error on your report

What is wrong with all of you? 

When XXXX thing is corrected on my XXXX account more false information is submitted by XXXX. 

There seems to be no credibility in the XXXX XXXX XXXX  reporting. 

XXXX is corrupt. 

How many times do I have to continue to report XXXX 's false information reporting to the XXXX Credit Bureaus? 

The student loan payments are current! XXXX has the correct information. Stop reporting the payment status on any month of any year is unknown. That is a XXXX lie. 

Stop reporting false information on my credit report and make XXXX report the truth! 

XXXX know the truth! 

See attached
Complaint sub-issue: Reporting company used your report improperly

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX SSN : XXXX | DOB : XX/XX/XXXX Equifax XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 
Thank You, XXXX XXXX XXXX
Complaint sub-issue: Problem with statement of dispute

I called all three consumer reporting agencies about an erroneously reported item on the public records portion of my credit report. The item concerns an incomplete and incorrectly reported judgment from when I filed a countersuit against a landlord ( actually I attempted to file first and she beat me to it ) for improper withholding of a depost and an improper lease. I won the judgment in XXXX Co Special Civil Part - I have a copy of the judgment and a copy of the credit invoice to the plaintiff - a realtor. I spoke with a XXXX in the XXXX Co. Post Judgment Team - who confirms that the court records reflect XXXX XXXX XXXX plaintiff as being held accountable for the judgment and that I won the judgment. Somehow the entity furnishing the information to XXXX, XXXX, and Equifax has not been accurate and is not being held to any accountability for the accuracy of this report. I contacted all XXXX credit agencies to include XXXX. The XXXX website wo n't let me enter data - keeps coming up with an error message ( I have a copy ). The transunion online automated reporting system keeps hanging up on me - two hours I 've spent out of a busy day. I am a physician - the reason I was even in the aforementioned rental property - and I am trying to run my own business. I applied for a loan. My credit is fairly good - and could be great if there was not this GLARING inaccuracy on the reports. The credit reporting agencies have a very flippant and avoidant attitude towards this issue and other ones like it. We are held accountable through financial penalties for processes and issues which may or may not be accurate- while it seems the the agencies and their clients who are paid to report the information to them ARE NOT. This is hurting my credit score and my credibility in general. These are very trying times to start a business of ANY sort in the US and this has been an incredible drain to try to get this recognized and reported correctly. Equifax just has noted the matter as " settled '' on the report - also reflecting that I LOST the judgment. Transunion is not even letting me report it. And Experian states it has to check with its private vendor of the information even though I sent in the statement of judgment from the court, from my lawyer, and a copy of the entire judgment received from XXXX County Special Civil Part for the docket in question.
Complaint sub-issue: Problem getting report or credit score

i applied for a car loan and was denied for a report from equifax.i tried using the website but it was unable to deliver the file online so it wanted to transfer me to an agent which instead promptly hung up i tried this auto system 3 times and all were terminated by its auto service.no where does not give you an option for a real person.
Complaint sub-issue: Was not notified of investigation status or results

After filing a dispute with XXXX about inquiries that are located on my credit report also supplying documentation from companies stating that the information on my credit report was incorrect and should be deleted all they did was update information instead of deleting the incorrect information. They receive documentation XX/XX/XXXX and updated the information the same date without verification
Complaint sub-issue: Information belongs to someone else

The following account ( s ) must be deleted from my credit report as a result of fraud : 1. Identity Theft XXXX  XXXX Account XXXX : XXXX This account is on my credit report as a result of fraud. Please remove this account on my credit report as I have already filed an identity theft affidavit to alert the proper authorities. 

2. Identity Theft XXXX  XXXX  Account Number : XXXX This account is on my credit report as a result of fraud. Please remove this account on my credit report as I have already filed an identity theft affidavit to alert the proper authorities. 

3. Identity Theft XXXX  XXXX  Account Number : XXXX This account is on my credit report as a result of fraud. I did not apply for this account and it does not belong to me. Please remove this account on my credit report as I have already filed an identity theft affidavit to alert the proper authorities.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

In early XXXX I filed a fraud charge for 3 separate transactions. I had bought digital currency online through XXXX with my debitcard. I called U.S. Banks customer service line and they submitted the fraud charge. The person had sold me something they stole from someone else and I had to return it the person it was stolen from. Multiple employees said over the phone that what happened to me was Fraud. My mother ended up passing away and I took off for 2 months because I didnt want to be around the house she was found in since I lived there to. When I returned I saw a letter saying they denied my Fraud claim because they were missing paperwork they sent out. The only paperwork I had in my stack of mail when I returned was a letter from them saying they denied my claims because they were missing paperwork I never received. I called them over the phone and spoke to someone who told me the same thing that was in the letter and they said they were going to mail out a replacement. They never mailed it out and the next thing I got was a collections notice. I called them again and they said a case supervisor would help me with in 24-48 hours and 5 days later no one has still reached out to me. I spoke to multiple people with the company who agreed that what happened was fraud then i spoke to one supervisor who said I was scammed and thats not the same thing as fraud. Even though multiple other employees admitted it was and it was their mistake I didnt receive any paperwork. I even read the definition of Fraud to this supervisor and she still would say I was scammed and say theres a difference between being scammed a defrauded... The supervisors name was XXXX and they can check the call logs for this and for everyone who was suppose to do what they said they were going to do.
Complaint sub-issue: Account information incorrect

I agreed to a payment arrangement with XXXX to pay {$350.00} per month via automatic payment in XX/XX/XXXX. This arrangement was made regarding a charged off second mortgage from XXXX XXXX that XXXX had purchased and collected on. XXXX stated that the payments would reflect on all three credit reports, XXXX, Equifax, and XXXX. I have sent multiple requests to XXXX, XXXX, and Equipfax to update the reporting of this account on the credit reports. I received multiple letters from XXXX that state the account was defaulted on in XX/XX/XXXX, charged off in XX/XX/XXXX, and a monthly payment of {$350.00} has been paid on time in XXXX, XXXX, and XXXX of XX/XX/XXXX, and XXXX through XX/XX/XXXX. I submitted these letters to Equifax and XXXX agencies for correction of my credit reports. I have received the same response from both XXXX and Equifax of adding a comment to the report that consumer disputes and payment arrangements made on charged off accounts.There has not been any change to the closed dates and the payment grid still states that no payment has been received during these months. Please see the attached copy of how this account is being reported by Equifax and XXXX. Experian lists all the above referenced months as FP which is translated to mean FAILED TO PAY and Equifax states no payment received. XXXX stated they would update and report the payments and have not reported these payments as was agreed. I feel that the collection practices XXXX used by stating the payment history would include the regular payments was unfair collection practices. Further, the credit reporting agencies Equifax and XXXX are not taking steps to ensure accuracy on my report or responding to my disputes.
Complaint sub-issue: Their investigation did not fix an error on your report

I am currently being billed by XXXX for the amount of {$970.00}. I had tried to book a trip on XX/XX/XXXX. When I used there website they said there was an error message and booking can not completed and try again. As of my current report the are billing me on XX/XX/XXXX for that price. I have spoken to XXXX XX/XX/XXXX to confirm that this didn't go thru and was an error. The customer rep said it was a cancelled charge and they would have it handled within XXXX XXXX but that never happened. I had called them again XX/XX/XXXX named XXXX and she said the charges get dropped in 3 days and apologized for the other customer rep. I waited those 3 days and still nothing was fixed. I got worried and called again because I didn't want this to be effect on XX/XX/XXXX the reps name was XXXX and he said he can see the charge was cancelled but can take 7-10 days to see the update. Now on XX/XX/XXXX they are saying I owe XXXX which is being charged on my XXXX XXXX  card. I had called today and they were saying conflicting things and basically implying I owed this money when I don't. XXXX also expressed I call XXXX which I did and they said to there knowledge XXXX took nothing off for there mistake.
Complaint sub-issue: Account information incorrect

The credit bureaus stated my account with XXXX XXXX and XXXX was properly investigated but it continues to display inaccurate information. The following errors are identified : The balance is incorrect The account status is incorrect The last reporting date is incorrect Remarks are incorrect This is a violation of 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 an account without my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent out numerous disputes trying to remove this account from my credit profile. 
This request has been denied and I would like this inaccurate information to be removed. 


XXXX XXXX XXXX EQUIFAX XXXX
Complaint sub-issue: Old information reappears or never goes away

My LexisNexis motor vehicle records are not correct. My driving record is clean and I have a Certified State of Illinois report to prove it. I have called LexisNexis numerous times to have this information removed from my file. They tell me they are filing a dispute but nothing ever comes of it. This is old in-accurate information that should be expunged or vacated from my file. Please feel free to fine them for the blatant attitude they display.