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

The company XXXX has been asked to give the following : Original Contract with my signature Pay off Disclosure Interest Rate Disclosure Balance history Payment history Credit Insurance A check / payment from myself I have received none of the above. This debt has gone from XXXX to XXXX XXXX XXXX To the Bureaus. Take a look at the attached letter from XXXX XXXX XXXXXXXX XXXX. They claim they dont know the interest rate. Dont know the Last payment if assignee ( if any???. They have no contract, And to boot at the bottom of the letter is says : This is not an attempt to collect a debt???? WHY WHY WHY XXXX/Equifax are they on my credit report. And as of XX/XX/XXXX it is 4 years and that is the Statue of Limitation in my State of Pennsylvania ... ... soooooo REMOVE NOW!!!! On XXXX XXXX and XXXX it says the debt started XX/XX/XXXX, so thats 4 years, they have no payment history as you can see from their letter, and no checks, contracts anything. So you must remove by law, because im not being sued, this is not my debt and you must remove by law.
Complaint sub-issue: Problem getting my free annual report

I requested my free annual credit report through XXXX. All of the credit reporting agencies provided me with my report except Equifax. When I got to the Equifax site, their website crashed. I called the following day, XXXX/XXXX/XXXX and explained what happened. They tried to sell me a credit report. I refused, insisting that they must provide me one free of charge. The representative took my information and said I would be mailed a credit report within 30 days. I never received this. I called again on XXXX XXXX, XXXX and was again denied my free credit report because their system shows that they gave me one in XXXX of XXXX. This is a scam designed to force consumers to pay for the credit report that by law they are entitled to once per year.
Complaint sub-issue: Their investigation did not fix an error on your report

I have 4 accounts from appearing on my Equifax Credit Report that are reporting incorrectly. The accounts were deleted from my report initially upon filing a dispute, but the 4 tradelines have been reinserted without proper notice from the creditor or the bureau that is legally required. This is a clear FCRA violation of section 611 ( a ) ( 5 ) ( B ). I have also requested method of verification from the bureau to which no response was received in the legally allotted 15 day timeline. If this is not resolved, I will pursue litigation. I have confirmation of receipt and copies of all original communications with this bureau.
Complaint sub-issue: Debt was result of identity theft

Contacted both companies on XX/XX/2018 and several times before this. I have try many times to explained to them that I have been a victim of identity theft for many years and this account those not belong to me. I have submitted police reports and much information need and it's still being charged to me and place on all 3 credit report agencies.
Complaint sub-issue: Reporting company used your report improperly

Equifax Hack I am a victim of the widely reported Equifax hack in which personal identification information such as my name, SSN, DOB and home addresses were likely stolen from the company. 

Consequences I have already suffered as a result of this theft - Incurred personal costs to safeguard my credit including paying for credit freezes, credit reports and credit monitoring services - Lost of time and productivity as a result of researching implications of such hack and implementing what measures I can to protect myself - Lost of time and productivity educating friends and family on potential impact of such hack - Ongoing worry and concerns over potential impact of such hack as the information stolen is irreplaceable Other potential consequences as a result of such hack - Likelihood of identity being stolen is dramatically increased - As of right now, perpetual credit freeze greatly inconveniences me and will cause me to incur future costs as a result of freezing/unfreezing actions Actions the company has taken to rectify problem - As widely reported, the company 's initial response has been has been widely seen as completely inappropriate as insufficient - Website offers inaccurate and incompletely information to consumers on whether their information was stolen - Company, on social media, advertised an incorrect website as a result of a white hat phishing exercise - Company attempted to limit liability from potential lawsuits by making consumers sign away their right when signing up for credit monitoring services - Company offered insufficient protection for their credit monitoring services - Company initially charged consumers for credit freezes - Company 's customer response effort is so poor that their website is still unresponsive and efforts to reach customer service via phone takes multiple calls - Company failed to inform customers in a timely manner as widely reported
Complaint sub-issue: Their investigation did not fix an error on your report

Hello and thank you for your assistance. 
Last XXXX, a Collection Agency I have never dealt with in the past, " XXXX XXXX, '' somehow sourced an old debt of mine that was settled in XXXX and started pursuing me about it. They also added this [ time-barred and Settled ] debt to my XXXX Report, which is causing me a great deal of XXXX since I am applying for student loans for my XXXX. 

I originally Settled via FMS Incorporated, which was working on behalf of XXXX to recover the debt back in XXXX I promptly supplied them with a copy of my original Settlement Letter from FMS, confirming my Settlement as of XX/XX/2012. This letter did not convince them. I also Contacted FMS to ask what they can do to assist and they said they can do nothing. All they would be able to do is issue me a copy of the same settlement letter that I have. I contact XXXX multiple times to explain and disputed multiple times with the Settlement letter and told them that this matter keeps bouncing around like a hot potato. 

I've kept my documentation and do not understand why ; despite hours of conversation, this debt is still on my credit report. I've also been harassed by other collectors, some I am sure are scams, about this debt over the last several years. Not only have I shared the Settlement letter, but I've contacted XXXX XXXX XXXX at XXXX, to confirm and they were able to pull up the account and certify for me that there is a {$0.00} balance due on that account and it is settled. I asked them for a letter I could share with XXXX XXXX and FMS, but XXXX said they " can not print one because it is so old, but if XXXX, XXXX XXXX or FMS want to call them they can certify it for them verbally. '' Since the housing crisis, I've worked very hard to repair my credit -- and this is the worst possible time for this to happen. No one is willing to accept the proof I have or seek certification from the original creditor. I believe this is a breach of the Fair Credit Reporting Act. What recourse does a consumer have in a situation like this? It seems, none.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

The XXXX XXXX XXXX XXXXXXXX XXXX granted me a {$77.00} credit on my Fidelity CC that is serviced by U.S. Banks Elan Financial Services. The vendor processed the credit on XX/XX/2023 and has provided me with the credit slip and authorization # XXXX. I contact Elan at XXXX and they tell me the vendor has not sent the credit through. When I provide them with the authorization # they do not provide an answer as to why the credit has not been added to my account and they say it's a problem with XXXX XXXX credit card services provider. XXXX has been very helpful and they too are wondering what is going on. This appears on their online platform : XX/XX/2023 XXXX XXXX : XXXX XXXX XXXX - {$77.00} Pending XX/XX/2023 Amount {$77.00} Last 4 of card XXXX Type DEFAULTCREDIT
Complaint sub-issue: Public record

I contacted Equifax to dispute Chapter 7 bankruptcy since bankruptcy is not reported by Federal Courts, I requested a signature to verify and received letter stating : " A discharged chapter 7 bankruptcy remains on the credit file for ten years from the date filed, this information was verified via XXXX '' However, no form of validation was received. 
XXXX and XXXX have both removed this item. 
Thanks!
Complaint sub-issue: Was not notified of investigation status or results

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information is not mine

This account was removed off my credit report on XXXX XXXX, 2016 and it was put back on my credit report, I have requested to removed this off my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. If your company, fails to comply with federal regulations by credit reporting agencies you will be required to appear in a court venue local to me, in order to formally defend yourself. I will also have your company investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am also maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and CFPB the Attorney Generals office, should you continue in your noncompliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D. Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 

I have already disputed the items below on XX/XX/XXXX, and the bureaus did not remove them. 

Sec. 602 State, I have a right to privacy. 

XXXXXXXX XXXX  Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXXXXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX
Complaint sub-issue: Public record information inaccurate

I have repeatedly contacted XXXX XXXX, XXXX, EQUIFAX AND XXXX, regarding this erroneous and fraudulent Bankruptcy that they continue to report on my credit file. I have sent in evidence that this bankruptcy - case # XXXX does not belong to me. Can your company please help me resolve this matter ASAP. Thanks.
Complaint sub-issue: Account information incorrect

I have a 30 and 60 day late that show in my personal Credit Report, but this was a Business Credit Card, the problem is that due to the Covid 19 situation, I was not able to comply with my credit obligations at that moment, but never before or after the Balance liquidation program stars, I really hope this can help me to remove this negatives that are the only ones affecting my personal credit, my name is XXXX XXXX XXXX XXXX XXXX, this happened last year 2021, XXXX and XXXX. I was also XXXX  and hospitalized with XXXX  XXXX severe complications including XXXX.
Complaint sub-issue: Report improperly shared by CRC

EQUIFAX is illegally and unlawfully reporting information on my credit file. I 'm asking for the following information : a ) Federal Reserve form XXXX registration statement, XXXX Federal Reserve form XXXX XXXX XXXX XXXX prospectus, XXXX XXXX Federal Reserve form FR XXXX balance sheet XXXX XXXX XXXX, XXXX XXXX Federal Reserve form FR XXXX balance sheet ( XXXX ), XXXX XXXX XXXX Federal Reserve form XXXX balance sheet ( XXXX XXXX, XXXX The Deed of Trust. XXXX XXXX XXXX Chain of custody and They need to responded to my request within 30 days from today. EQUIFAX also needs to present me with a certified final forensic audit in accordance with XXXX in accordance with basel XXXX accord and XXXX conventions. I 'm also requesting them to present the same documents from the following vendors/creditors : XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, and XXXX XXXX acct # XXXX.
Complaint sub-issue: Personal information incorrect

Hello! My girlfriend and I recently applied for an apartment and after running my credit score it was determined that we would be approved with " condition ''. My social security number seems to be what the issue was and it seems like the company may have run my wrong one. I know i have a clean record and I have my social security card to prove that it is correct. My apartment complex is saying because of the flag on my social security they are charging us {$220.00} extra. So I am trying to get this fixed so that we aren't liable for the fees.
Complaint sub-issue: Information belongs to someone else

I have made so many attempts to have the fraudulent XXXX XXXX XXXX hard inquiry on my Equifax removed. I became aware that I was a victim of identity theft after seeing a hard inquiry on my Equifax credit report on XXXX XXXX, XXXX. I immediately called Equifax to get more information on the inquiry on that day. I was told that I would need to contact XXXX XXXX XXXX to get more information. I called XXXX XXXX XXXX and was transferred to their Fraud Unit. I spoke with XXXX with XXXX XXXX XXXX XXXX XXXX ( XXXX ) and he confirmed that indeed someone tried to not only call in but also use my information online over six times to get cell phone service with them. XXXX XXXX XXXX became suspicious and did not mail out the phones to the criminals trying to use my information. It was too late and an hard inquiry had already been placed on my report. XXXX XXXX XXXX worked with me and even sent out a letter to Equifax and the other bureaus to help combat this problem. After speaking with XXXX XXXX XXXX, I made several calls to Equifax from XXXX XXXX, XXXX to XXXX XXXX, XXXX asking for this information to be removed. I even sent in a letter and attached the letter that XXXX XXXX XXXX sent to Equifax asking that the fraudulent inquiry on my report be removed. I have attached the certified return postcard that proves that Equifax received my request for removal. This is the second time I sent a request to them by certified mail. The first being on XXXX XXXX, XXXX. 

It is my feeling that Equifax is the reason that my personal information was compromised in the first place as I letter received a letter from XXXX. XXXX became suspicious on XXXX XXXX, XXXX that cyber hackers were trying to use my personal information as they tried multiple times via the internet to use my information to get cell phone service. I called Equifax again after receiving the letter from XXXX in early XXXX about this incident. Still Equifax dragged their feet, I feel like a victim twice.I recently became aware by checking Equifax website about their security breach, that my personal information was indeed compromised. 

I feel robbed and I ca n't trust that this wo n't happen again
Complaint sub-issue: Their investigation did not fix an error on your report

Sallie Mae sold my student loans to XXXX XXXX AND I paid them in full with a 1099A which finances the loan for pay off and set off. Since the loans are off Sallie Mae Books they should not be reported like they are still owning the loan themselves. What i want for them to do is stop reporting the loan and remove the items from my credit report becuase they sold the debt to XXXX XXXX and no own it. 


XXXX  XXXX was paid with a 1099A and is committing trust fraud bank fraud and money laudering etc which i will be reporting to other companies as well.
Complaint sub-issue: Account information incorrect

To whom it may concern, My complaint is regarding my credit card account with First Progress Select. They are reporting a late payment for the month of XX/XX/2021. The payment was made on time in good faith per First Progress payment protocol. First Progress unlike most Card Issuers do not have a payment portal on their website. You are directed to pay the monthly bill through your banks bill payer service or other third party services. 

This is where the problem arises. Once I make the payment through my bill payer service I have no control from that point when the payment will be actually made. My bank mails the payment on some occasions. As a result of my bill payer service not routing the payment on time it has resulted in a late payment being reported in my credit report when the payment was initiated on time. 

Please provide whatever assistance you can with this matter. My credit score was reduced 15 points because of this issue.
Complaint sub-issue: Information belongs to someone else

In XXXX I got a call from XXXX XXXXalking about a credit card that I had opened up. I told them that this must have been a mistake. 

In XXXX I started getting calls from them asking about payments, I asked them what I supposedly received, they said a couch. I have never received any kind of furniture from them. 

I submitted a fraud report in the middle of XXXX because an account with XXXX keeps showing on my credit report. XXXX keeps verifying the account as mine when I told them that I had not received anything at all. I dont know what to do anymore
Complaint sub-issue: Card was charged for something you did not purchase with the card

My identity theft was last year XX/XX/2022. 
I files complaint at local police department & also files complaint to XXXX about charges. 
My XXXX Credit Card last XXXX # XXXX charged was not authorized by me. 
Its a fraud transaction Credit cards sent statements about my account charges. 
Credit cards company trying collect charges from me but its totally fraudulent transactions.
Complaint sub-issue: Other problem getting your report or credit score

In XX/XX/XXXX, my fiancee and I began the process of building a house. The loan company pulled our credit to get the loan process started. Mine pulled successfully on all credit bureaus except for Equifax, which showed an XXXX XXXX code. I called Equifax, thinking perhaps my credit was frozen. I called to find out that my credit was not frozen, and that there should be no error reporting. Equifax was clueless as to what error may have been happening. 

I got divorced and XX/XX/XXXX, and changed back to my maiden name in XX/XX/XXXX. Due to the fact that I was pulling the report in XX/XX/XXXX, I had the loan agency try to pull my information from my previous married name. It was successful at that time. Now, five months later in XX/XX/XXXX, we are to the point where our house is almost finished and the loan agency had to pull my credit a second time, and it HAS to be under my current maiden name for the loan to be finalized. Same error again. Equifax has no idea why it is happening and has been unwilling to help. This is threatening to hold up the closing of my house and the authenticity of my documents ( of being the right name ). I am at a loss for what to do.
Complaint sub-issue: Threatened or suggested your credit would be damaged

We were scammed by a contracting company in XX/XX/XXXX for services not received and unsafe/poor workmanship ( XXXX XXXX ). They financed through their lending partner, Aqua Finance. We were never provided a contract stating terms, APR, loan term. We signed nothing with them. They claim the contractors contract with us was also a binding loan contract with them yet nothing is mentioned in that contract regarding a loan or terms of any sort and this was not stated to us by XXXX XXXX  which we would not have accepted. Also, only I signed the contractors contract, not my husband. Aqua Finance also placed a lien on our home which we found out on our own and the only reason we continue making payments. We purchased this home XX/XX/XXXX. We were conned by XXXX XXXX for the incomplete work and our loan was for {$34000.00}. We have made 25 payments to Aqua Finance, and to date, our bill is still {$34000.00}. Monthly payments are {$380.00}. Out of over {$9600.00} we've paid Aqua Finance, only {$270.00} has been applied to our loan. We've learned this is a 9 year loan@ XXXX XXXX daily compounded interest which was told to us verbally by Aqua Finance... again, nothing in writing. 
In XXXX of this year, my husband and I both contracted XXXX placing me in the hospital with a XXXX XXXX and him out of work for 4 months with no income other than social security. We paid for the month of XXXX and XXXX and explained to Aqua Finance we are working to catch up on ALL bills once my husband returns to work on XX/XX/XXXX. I've explained this twice to Aqua Finance and they rudely stated they have no record of my calls and now want proof of hardship and have threatened to foreclose on our home. I've tried reaching XXXX XXXX, the account manager, since mid XXXX and shes yet to return my calls or respond to emails. I want to make a settlement agreement as I believe we have paid well beyond the incompetent project supplied by XXXX XXXX ( the contractor ) and that XXXX XXXX should return the remaining amount of this loan to Aqua Finance. I also do not believe this to be a binding contract as we've signed nothing with loan terms and nothing with Aqua Finance. The contract with XXXX XXXX  is also invalid as we both did not sign nor did they live up to their contractual agreement. We would also like to know where all of the 25 payments @ {$380.00} have gone since only {$270.00} has been applied to this loan. We are seeking your assistance in removing the remaining balance of this loan to Aqua Finance as we do not see how this can be a valid loan, and also, they are reaping our payments unlawfully, threatening to take our home, harassing us during a time of hardship and illnesses, and just plain scamming us for money we should not owe them. Over {$9000.00} unaccounted for to them. They should be in jail and put out of business. Thank you so much for your time and efforts in assisting us to resolve this nightmare.
Complaint sub-issue: Information belongs to someone else

lending club is reporting false and innaccurate date to my credit report. on my credit report they are appearing as a loan with late payments and a loan that needs repaid with a {$20000.00} balance. First of all I NEVER OPENED THIS LOAN IN XXXX. This is a FRUAD account that was opened by someone who stole my identity. I never recieved any money from lending club, I never applied for a loan with lending club and I am DEMANDING LENDING CLUB REMOVE THIS FRAUD ACCOUNT FROM MY CREDIT FILE IMMEDIATLY. I AM ALSO DEMANDING LENDING CLUB STOP REPORTING THIS TO THE CREDIT AGENCIES. REMOVE THIS ACCOUNT FROM MY NAME AND SOCIAL SECURITY NUMBER IMMEDIATLY.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I have a citibank XXXX XXXX credit card. I filed a restraining order against my spouse on XXXX XXXX after she became XXXX with me and XXXX to XXXX me. The Police served her with the restraining order and removed her from my apartment. Since then I have not had contact with my sponse. On XXXX XXXX, my spouse charged {$5000.00} to my citibank tXXXX premier credit card. I informed the credit card company the same day that the charge is fraudulent and requested to cancel the charge. They asked me to call the merchant to cancel the charge, which I did, but the merchant refused to cancel the charge. I then sent an email to Citibank credit card on XXXX XXXX, again informing them that this is a fraudulent charge and asked them to cancel the charge with the merchant. Since then Citibank has said " they are investigating '', but have provided no information. I have called them about 5 times in the past month, and they are now refusing to refund despite the difficult circumstances that I am going through. Citibank has failed in their responsibility to put a stop payment on the charge on the same day that I informed them. Further they have caused me a huge loss and failed in their responsibility to cancel the charge with the merchant despite being informed of the circumstances. I seek redress from CFPB. Please help. Kind Regards