Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Other problem getting your report or credit score

I am unable to access my MyEquifax account and after speaking to someone from the Equifax customer service I was informed that I am not authorized to have a MyEquifax account. I asked the representative why I'm not allowed to have an account and she said that information was not available to her. I asked to escalate this issue or start an inquiry into why I am blocked from having an account and she said that is not possible. After Equifax handled all of our information so irresponsibly, I can't understand why they're allowed to block access to my own credit report online.
Complaint sub-issue: Their investigation did not fix an error on your report

I'm requesting that the following accounts be removed / blocked from my credit report, due to the fact that I DO NOT HAVE A CONTRACT with any of the following companies and according to the FCRA law these accounts shall be removed ... XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX
Complaint sub-issue: Trouble getting, activating, or registering a card

1. I have not had access to over {$15000.00} of my own funds since XX/XX/XXXX. I reported a fraudulent charge at that time, and US Bank put a security hold on my account. I tried for months to get the hold removed, and finally it was removed in XX/XX/XXXX after I filed a complaint. Since then, I have called twice to request a card so I can access my funds. US Bank claims they mailed me a card twice, most recently on XX/XX/XXXX, yet I received nothing. All my other mail comes with no issues. Clearly, they are just not mailing the card. I believe it is their intention to deny me access to my funds. 

2. The original fraudulent charge from XX/XX/XXXX was never investigated by US Bank. I filed a dispute in XXXX, and US Bank quickly closed it without investigating. I called back, and they said they needed a police report. I sent the police report, once by fax, once by mail. Still they have done nothing. The charge is still on my account.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, No Account #, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

I received 2 gift cards from Macys for items that were returned. Both cards had the amount of {$170.00}. The cards were issued in XX/XX/20 at XXXX. I tried using the cards and the cards had a XXXX   balance. I contacted customer service and they tell me that I used the cards already. This is not true
Complaint sub-issue: Debt was paid

Repeatedly tried to contact XXXX XXXX XXXX XXXX to no avail. The company is placing derogatory marks on my XXXX, XXXX  and XXXX reports. This information is completely wrong and needs to be corrected immediately.
Complaint sub-issue: Account status incorrect

Hello, XXXX XXXX XXXX has recently been involved in a $ XXXX Car loan settlement. I know that I am a part of this settlement and would like to move forward with receiving my title for my XXXX XXXX XXXX XXXX. I got this car back in XXXX when I was making {$12.00} an hour. My original loan amount was {$13000.00} at the time. Currently I have monthly payments of {$300.00}. Looking back I definitely was taking advantage of because I could not afford that loan at that moment. At that time I was making my payments on time and XXXX was reporting my loan as late and delinquent when I was not. I have a lot of late payment on my account that are not accurate and is causing my credit score to drop. I am not able to get approved for anything like a home loan because of these delinquent late payments that are on my account. To resolve this issue I would like XXXX to hand over my title and pay out my auto loan in full. Also delete completely of my credit report. I have had numerous issues with this company not reporting on time with my credit report. Also XXXX has deleted good on time payments dated back to XXXX and XXXX for no reason. I have called XXXX numerous of times and they have not done anything to resolve this issue. I have also sent out dispute letters to them and they always come back with telling me that everything is accurate when I know its not. I would really like this issue resolved as soon as possible.
Complaint sub-issue: Debt was discharged in bankruptcy

I contacted this office for the second time today, Friday, XXXX 2015. The time was XXXX. I advised the representative that they were reporting on my credit report for a debt that had been discharged in a chapter XXXX. He still advised that it was an attempt to collect a debt. I then explained that I was not to receive any more calls regarding the debt and proceeded to provide them with the filing attorney 's phone number. Her name is XXXX XXXX XXXX and her office in located in XXXX, MD.
Complaint sub-issue: Account terms

I have been disputing XXXX separate accounts with Equifax for more than 4 months. I have provided Equifax information from the original creditors validating my dispute and showing the accounts should be deleted and are being reported incorrectly. XXXX continues to claim they validate the accounts as being reported correctly. I even took XXXX XXXX to court in XXXX XXXX Missouri on XXXX XXXX, XXXX thinking that it was XXXX XXXX that was mistakenly reporting XXXX of the accounts but learned that Equifax is the only bureau that reports an open XXXX XXXX collection account. None of the other credit bureaus report a XXXX XXXX account at all. XXXX XXXX even sent me a certified letter from their legal department stating that I must quit contacting them to dispute the account because they have provided the credit bureaus with all information needed for the account to be removed and that I should direct all future disputes with the credit bureau reporting the account. I have provided the letter to Equifax and they claim to have investigated the account and determined that the account will remain on my record for 7 years even though it is not my account. 

The other account is a paid insurance settlement account that was paid in full XXXX XXXX. The original creditor was XXXX XXXX XXXX XXXX but later changed to XXXX XXXX XXXX. I spoke to the people at XXXX who provided me with a paid in full letter and said they would notify the bureaus that the account would be removed. Equifax has claimed multiple times to have verified this account as an open collection with a {$34000.00} balance and will remain on record until XXXX XXXX. I have disputed this account more than a dozen times. XXXX says that the dates and balance information must have been mixed up during the new ownership/name change. Again, Equifax is the only credit bureau reporting either of these XXXX accounts. XXXX, XXXX, and XXXX do not report a XXXX XXXX or XXXX XXXX XXXX XXXX account on my credit reports.
Complaint sub-issue: Investigation took more than 30 days

The Credit bureaus stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 
I haven't given these accounts written permission to furnish these accounts on
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting and XXXX  XXXX account ending with # XXXX, has violated my rights : 15 U.S.C 1681 Section 602 A. States that I have the right to privacy 15 U.S.C 1681 Section 604 A. Also states thats a consumer agency can not furnish a account without my written instructions
Complaint sub-issue: Debt was result of identity theft

I have a fraudulent account on my credit report that I have never heard of.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX is being reported on my XXXX, XXXX, and Equifax credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong to me.
Complaint sub-issue: Information belongs to someone else

THIS IS NOT A DISPUTE. I am a victim of identity theft and have tried extensively to rectify this issue with Equifax. Equifax has instructed me to submit a police report and FTC report and per section 605B of the Fair Reporting Act, the fraudulent items are to be blocked and deleted immediately. Equifax however, puts these accounts into dispute and never provide an updated report with the account deleted. They in turn keep the fraudulent accounts on my report and show no proof of verification and/or validation. I am attaching the police report, FTC report and proof of identity through this channel again in order for the fraudulent accounts to be deleted. I am also filing a report with the XXXX  and copying the CEO on all correspondence.
Complaint sub-issue: Problem making or receiving payments

Case # XXXX I have filed a complaint a month and half ago regarding a fraud transaction taken place on XX/XX/2021 in the amount of {$1000.00} and I am filing a complaint again today because the company ( MONEYLION ) still has not resolved my case and I can not get a hold of person in contact ( XXXX ) or anyone. I have filed for a dispute on XX/XX/2021 after having my identity stolen with my checking account / debit card from XXXX XXXX on XX/XX/2021. 
I have been trying to get my money back from this company for over two months now and have provided everything they have requested showing and proving XXXX XXXX has no record of chargeback or a reversal for the transaction amount of {$1000.00} which is a fraud transaction I did not authorize taken placed on XX/XX/2021. 
XXXX XXXX representative confirmed by phone and a letter that the funds was never received for the disputed amount from Money lion therefore, Money lion still owes me the money which I never received and still waiting for. I have tried contacting the company but no response or updates have been received regarding the status of my case.
Complaint sub-issue: Information belongs to someone else

Congress has made it clear that Equifax has ASSUMED this role of assembling and evaluating my consumer credit, I have never given Equifax permission to do this, not only does Equifax NOT have my permission they have also NOT been given my consent. Equifax has not exercised their GRAVE responsibility, Equifax has been unfair, and Equifax has not respected my right to privacy. I have already filed multiple CFPB complaints AND an attorney general complaint. I have never constructed Equifax to furnish a report and have never consented to any report in the first place. Equifax is in breach of Federal Privacy Laws as well as their own data sharing policy per their companies website. Equifax has been asked to provide me with their alleged consent which they should have on file but Equifax does not have on file that they have my consent.
Complaint sub-issue: No notice of investigation status/result

An account on my file is reporting inaccurately and Equifax has refused to properly investigate this or do any proper investigation. XXXX XXXX XXXX # XXXX is reporting incorrect status ', dates and balances. It is not correct and I have contacted the furnishers and they have informed me that no one from Equifax has called to conduct an investigation. I have repeatedly asked them to verify this account and show me why it is on my file in such a derogatory manner and they refuse to speak to me, give me absolutely any investigation results and paper work and they have not transferred any of the paper work i have submitted to the data furnishers on my behalf, which would have exonerated me. this account is inaccurately reporting and showing as open and it is badly affecting my life.
Complaint sub-issue: Their investigation did not fix an error on your report

DEPT OF ED/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX Its not possible that all four of my XXXX accounts could have gone from current to an immediate 90-days late. Im within my rights to ask a simple request for the removal of the late payment history. You can see that I make my payments on time and have done so since all of my student loans came off deferment status. 

REVOVE LATE PAYMENT STATUS FROM 2013 PERMANENTLY!!!
Complaint sub-issue: Personal information incorrect

1 ) I have lived at the same address since I was XXXX years old ... over 55 years ... and have never used any other address. The address listed on my credit report of XXXX XXXX XXXX XXXX, reported on XX/XX/XXXX, is totally fraudulent as no such address exists and I request that it be removed immediately. In fact, the U.S. Postal Service stopped using Rural Route addresses many years ago due to XX/XX/XXXX vehicles not being able to find the addresses. Therefore there are no longer any such addresses. 

2 ) The only employment I ever had was with the XXXX XXXX XXXX, where I retired as a XXXX, XXXX XXXX. 

3 ) The entry from XXXX XXXX XXXX was closed in good standing, in XX/XX/XXXX, almost 13 years ago, and it should have permanently been removed in XX/XX/XXXX. It WAS removed but is now back on my report. I am requesting that this entry be permanently removed immediately. 

I contacted Equifax by letter to dispute these entries on XX/XX/XXXX and my letter of dispute has been totally ignored.
Complaint sub-issue: Their investigation did not fix an error on your report

I had a debt with a car loan. The debt was sent to collection agency. I paid and settled with the collection agency to resolve the debt. This was almost 2 years ago. All 3 credit report bureaus removed the debt after I submitted a letter from the collection agency. They reported it as {$0.00} owed. 6 months ago ONLY Equifax showed there was still as amount of {$2900.00}. Everyone shows {$0.00}. I started a dispute. contacted the original company as well as the collection company to confirmed. Both agreed it was resolved. I submitted my letter to Equifax. It is now 2 months later and this STILL shows up. Ultimately, as of yesterday it cost me getting a car loan at 8 % to now 10 % ... .that {$70.00} more a month times 72 months for their in correct information. I am very frustrated and do not know where to turn to have this removed. Ironically, the added payment is more than even the original debt. This is not fair to consumers and I feel i have to accept this blemish on my report from equifax ... note : IT'S MY ONLY BLEMISH ... 
Original Debt : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX who totally botched : Equifax
Complaint sub-issue: Deposits and withdrawals

Company : LendingClub XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX Account : XXXX Issue : Unable to withdraw funds from account. Attempts to withdraw funds out of the platform have failed without any notice. Company 's site states that money must be withdrawn to the same account it was deposited with to comply with anti-money laundering regulations. Having used this account/service over a period of many years, it is reasonable that occasionally accounts must be opened/closed/changed. Regardless, I have tried to open support cases with the company to validate the external account for withdrawal is in fact my account, but attempts to get this resolved through their support have been unsuccessful. Support case was opened on XX/XX/2021. It was not even replied to until until I again followed up on XX/XX/2021, of which I immediately responded and uploaded the requested document to validate my account. I followed up again on XX/XX/XXXX, and XX/XX/XXXX, with no response from LendingClub in either case.
Complaint sub-issue: Account status incorrect

Closed and paid XXXX auto loan account is reporting late payments that are not actual. I would like the late payments removed or the entire trade line deleted from my credit reports with all 3 bureau 's
Complaint sub-issue: Account status incorrect

XXXX, Equifax and XXXX  are reporting an account on my credit report as a delinquent negative account. I settled the account in full and this account should completely be removed from my credit file or reflect " settled in full. The forementioned reporting agencies are reporting this debt as charged off debt when the debt has been settled in full.
Complaint sub-issue: Other problem getting your report or credit score

I attempted to update my report bc I disputed errors, which Equifax failed to legally verify, and my credit reporting file no longer exists. I signed up for their monitoring service. After my credit report failed to upload, I went to another reporting agency to obtain my Equifax report-NO REPORT. I spent over an hour on the phone with them and they could not find a report. So, they are charging me a fee without my ability to obtain an updated report. I also tried a third site. Suprise! NO REPORT!! I do not have time to spend on the phone resolving this. This is absolutely unbelievable!
Complaint sub-issue: Indicated committed crime not paying

This company is claiming taxes owed on a vehicle from over 10 years ago. I have never be contacted by the city of XXXX XXXX for any balance due and have n't lived in Connecticut for over 10 years. They demand supporting documentation but do so knowing no one keeps tax records from over 10 years ago. This is a blatant attempt at a money grab and they should be shut down. I do not owe them money and I do not owe XXXX XXXX any taxes.
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

Good afternoon, we have about 3 credits cards that refuse to wok with us due to the corona virus, I retract that 2 helped in the beginning but we are still not 100 % back to work as our governors has a mask mandate in place and my husband and I have a medical condition and can not wear a mask and most of our customers are requiring masks to be worn in their homes. At first some did postpone payments however the interest kept on being added and some late fees, which this brought us passed our credit limit, now that they have stopped and are wanting payments to resume they want $ XXXX to {$1700.00} up front which of course still not working 100 % it almost impossible to do, so now late fees are piling on, reporting to credit bureaus are still going on ( which they did even when they were not requiring payments ) My XXXX XXXX XXXX   MasterCard - XXXX XXXX  XXXX Costco - Citicards XXXX BestBuy Credit Services XXXX I also have credit companies that have reduced or closed my accounts even when there was no balances or was never late and still making payments i.e. The home depot card ( which we use for business ) XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX   and several others. 
I have no problem making payments to these companies but they have to be reasonable with payments as this is NOT something we caused, I have told them we can probably do $ XXXX {$150.00} per month and we even asked for them to reduce interest and stop late payments but they will not work with us. 
Thank you XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

On XX/XX/2021 I reached out to IQ Data International and requested they provide documentation that proves I willingly entered into a contract with them and to display the signatures of both parties involved. This company did not do that. Nor did they cease collection activities and reporting as federal law states until the requested proof can be provided. This company is harassing me and as mentioned in my first letter, I would seek assistance from CFPB & State Attorney should they continue to do so.
Complaint sub-issue: Information belongs to someone else

Idenity theft XXXX XXXX XXXX/XXXX/XXXX Amount XXXX
Complaint sub-issue: Unexpected increase in interest rate

Relationship started in XX/XX/XXXX when I was offered a " teaser rate '' of 0 % until XX/XX/XXXX as their " teaser term ''. I transferred {$5300.00} plus a transfer fee of {$150.00}, In XX/XX/XXXX, my statement was never received but despite that I continued to pay at least {$300.00} far beyond the minimum required payment as I was intending to payoff entire amount by XX/XX/XXXX. Since then monthly statements came as well but never on time and exceptionally worst in XX/XX/XXXX. They then started to charge fees and adjusted the interest rate to 28.99 % which I was constantly calling to correct. Frankly, this account has been so poorly handled by this company. As a matter of fact, in XX/XX/XXXX, I was sent an incorrect statement with incorrect balances not intended for me. 
After all this wrangling, going back and forth and wasting my time, I decided to close my account after paying in full principal amount of {$2900.00}, plus some fee for {$82.00} To date, this company continues to charge me fees and counting. As of XX/XX/XXXX, they reported {$250.00}. They always claimed non-receipt of timely payments. With all this pandemic and inefficient mailing system, it is certainly not my fault!! I am also attaching several letters I sent to them
Complaint sub-issue: Investigation took more than 30 days

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

I recently paid a {$200.00} deposit for my prepaid credit card on XX/XX/20. I am still getting emails stating that my application is incomplete and they need {$200.00} refundable deposit. I have already verified the payment has posted to my account and the money is gone. I spoke to two different representatives at this company who could not confirm if my payment was received or I why I am receiving emails asking for more money. At this point I want my money back the represent stated I would have to wait until my application completed processing and I get my card before this happens. I feel like this company is a FRAUDULENT and Scamming company. They have no contact information listed and the representatives have no idea how to help you!
Complaint sub-issue: Personal information incorrect

XXXX XXXX, Equifax or XXXX has n't updated my credit report with my new address and phone number. I want XXXX XXXX, Equifax and XXXX to update my credit report and public records with my new address and phone number which is : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX. I want a statement added to my credit report. I want the statement to read the following : Before creditors issue any credit in my name, they must call and verify it with me at : XXXX