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

I have been unable to retrieve credit report from Equifax due too their product XXXX  offered free of charge since I was affected by the Equifax breach. XXXX  locks your Equifax credit report so lenders can not run your report. I signed up for XXXX XXXX because it was recommended by Equifax after their breach. Unfortunately the product has put a permanent lock on my credit file that I can not unlock. The XXXX website does not work to unlock my file and says to contact customer Support. I have been in contact with them and was told to Fax information to verify Identity, which I completed and confirmed they received it. For the last 2 months I've been told the credit file is now unlocked but the website will still be broken and needs to be escalated with internal systems team for repair. I asked for a ticket number or confirmation of the repair but XXXX could not provide me this info. They said to run the credit again as it should be fixed for the lender to get report. Since then my lender ran credit 3 times with no results and its been 2 months since I started the process. I'm stuck in this cycle with no results and Im trying to move forward in life with Reality investments that are getting stalled due to Equifax neglect. I feel hopeless and have worked hard to achieve goals in life that are being stopped by this negligent company. Please help!
Complaint sub-issue: Trouble with how payments are handled

I spoke with someone on the phone at FedLoan Servicing a few weeks ago in order to have the maximum amount of a recent payment first directed toward my loan with the highest interest rate. The payment amount was more than sufficient to pay this loan off in full. The request also asked that the remaining amount of the payment go toward my loan with the second highest interest rate. 

I submitted this same request via email prior to my phone call, but received no response from FedLoan Servicing in return. 

After my phone call, I was told to wait 20 days. Now that 20 days has passed and the payment has finally been re-allocated, I see that my directions were not followed correctly. I wanted to pay off the high interest loan IN FULL, which is exactly what I discussed with the representative on the phone a few weeks ago. Instead, the money was re-allocated in some random way between all my loans. I am getting concerned that interest is accruing despite the fact that the check has been cashed for some time now and my request for a full loan payoff has been made numerous times and is still not implemented.
Complaint sub-issue: Their investigation did not fix an error on your report

non XX/XX/2020 i disputed three incorrect items on my credit report and sent in payment history and a court order .the disputes came back as correct. even after i sent every thing in to show the report was incorrect .payment with checks that cleared my bank and a court order that says i am not be hide on child support
Complaint sub-issue: Debt is not yours

XXXX pharmacy in XXXX store in XXXX XXXX submitted approval for prescriptions to my previous insurance carrier, not current. They XXXX XXXX approved it in error, I paid my co-pay and had no idea until I got a collection letter to reimburse them. Called them and said they need to talk to the pharmacy, they and you made the mistake, I was hung up on. I called the pharmacy and was told they would not fix their mistake, but rather I would need to submit a claim to the correct insurance carrier. They gave me print outs of the labels for the prescriptions and sent a completed claim form to XXXX XXXX. XXXX XXXX has never responded, other than rejecting the claim form saying it didn't have all the information from the pharmacy label. I sent it in to them twice. I also advised XXXX XXXX that a claim for had been submitted. I was told that was all I needed to do. I have not received the reimbursement from XXXX XXXX and now XXXX XXXX has turned this over to XXXX XXXX for collections. The pharmacy won't help and no one at either insurance carrier will work it out between them. This is not my debt!
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

On XX/XX/XXXX I called back XXXX XXXX  XXXX XXXX and spoke to XXXX XXXX, She asked me why I stopped paying a credit card in XX/XX/XXXX, I explained to her that I had lost my job, I agreed to set up payments for XXXX a month for 4 months, she asked me for my credit card number gave it to her and we hung up. About an hour later checked my account and they had took out XXXX, which I had told her I was on a fixed income and could not afford anymore than XXXX every two weeks. So I called back and she was at lunch and talked to her so called boss XXXX XXXX who proceeded to talk over me and I tell me that service charge was not his fault, and he said did she tell you would could take it out of your banking account for a XXXX charge instead and I said no she never gave me a choice. I said I will just resend my offer and stop the card and he said go ahead and you will get in a lot more trouble, He said that it was my problem I couldn't pay my bills, He kept talking over me and was very hateful, I did call him 2 cuss words, I hung up and called back and the next operator said that he hated to hear a women cry but, people like me just didn't understand and I said people like who, he said we don't have time to deal with this everyday on the phone. Well isn't that his job? I was very nice when I spoke to XXXX and agreed to pay the bill, but no one gave me a choice of how to pay it, No one told me there was a XXXX service charge. XXXX XXXX is a problem and needs to be reprimanded, but you know what no body cares?
Complaint sub-issue: Debt is not mine

I had a baby at XXXX in XXXX, CO, in XX/XX/2015 and XXXX. The XXXX helped me arrange for XXXX to cover the labor and delivery, but the doctors requested that the baby stay in the hospital an extra day before leaving with the XXXX. XXXX did not agree to pay for that extra day. The XXXX and I tried to work with the hospital and XXXX, but the bill is still unpaid, and now a collection agency hired by XXXX ( Global Receivables Solutions Inc. ) is hounding me, ruining my credit and threatening to garnish my ( very low ) wages. The outstanding charge is {$2900.00} and there is no way I can pay that. The collection agency sent someone to my workplace threatening legal action against me.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

i am 1 month behind on my credit card ; they call multiple times a day starting at XXXX till XXXX XXXX. I've asked them to stop and they dont. They are supposed to stop when i ask.
Complaint sub-issue: Reporting company used your report improperly

Possible victim of the 2017 hack against Equifax. Need to update all security and rebuild my security from scratch. This has taken me hours of work and used up a full holiday weekend.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I was the victim of a scammer in XX/XX/2020. The scammer asked for a cash advance from my Discover card in the amount of {$10000.00}. Discover never asked me if this was legitimate and went right ahead disbursing it. I didn't find out about it right away. 
My lawyer wrote to them asking for an explanation. They did not reply. They earlier claimed they had investigated this and held me responsible. I have never, ever, asked for a cash advance from any credit card, and certainly should have been asked to approve the transaction. I am a senior citizen and this is a lot of money they expect me to pay. 
This transaction occurred on XX/XX/2020. I will be glad to answer any questions you have.
Complaint sub-issue: Debt is not mine

Enhanced Recovery has added a collection from XXXX XXXX to my credit report. The debt is not mine. 

In addition, I have received no correspondence from Enhanced Recovery validating any debt I owe to XXXX XXXX XXXX or verifying that this is my debt.
Complaint sub-issue: Account status incorrect

I have reached out to XXXX, Equifax and XXXX about accounts reporting delinquent when they are indeed not. These reporting agencies will verify without any actual verification. I have requested proof of verification but each company refuses to send verification. I legally have the right to be shown proof of verification. I require full disclosure and documentary evidence pursuant to 15 USC 44, that this information has been properly verified in the event of further legal proceedings. I demand to have full verifiable information. They are required by federal law to provide physical evidence which they have not and Im demanding for all of the inaccuracies being reported be removed immediately.
Complaint sub-issue: Can't temporarily delay making payments

I am current student finishing up my XXXX XXXX. In XX/XX/XXXXdue to family issues I had to take off some time from school. I have been attending part time since last year and returning full time in fall. 

But in XX/XX/XXXX during my transition period of XX/XX/XXXX to XX/XX/XXXX I wasn't able to make payments, but since then have caught up and am in good standing. 

I think its goodwill for the XXXX XXXX to understand that only for a brief time is any able to make payments. This should not count against me because I am in good standing now and at the time circumstances were out of my control.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ).

I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION.

FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 

INQUIRIES 1. XXXX XXXX- XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX- XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX- XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

TEK-Collect has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Complaint sub-issue: Reporting company used your report improperly

this is related to the Equifax breach that occurred
Complaint sub-issue: Problem with statement of dispute

I recently sent Equifax a certified letter requesting an update to my current address. With the certified letter, I included a copy of my drivers license and soc sec card. I just received a conformation letter from them letting me know that they had completed the changes. The problem is they made the changes to someone else 's credit file. My name is XXXX. The person who 's file they updated is XXXX. How does this happen, considering I included two forms of ID with my letter. I can assure you that I do not and have never gone by the name XXXX. Also, the former addresses which were removed are not, and have never been associated with me or my name or social security number.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this 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 XXXX. 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.with no help.
Complaint sub-issue: Information belongs to someone else

XX/XX/2022, A fraudulent unauthorized hard inquiry from XXXX XXXX  was reported on my equifax Credit report.
Complaint sub-issue: Personal information

My XXXX report lists an address I 've never lived at.
Complaint sub-issue: Old information reappears or never goes away

I n 2001,   XXXX   XXXX   XXXX  issued to me a  XXXX  ending in   XXXX    XXXX .  <P/> Their 30-day late payment notice is still on my credit report.  <P/> I believe the statute of limitations has passed.  <P/> So I have tried to have this late payment removed. My lawyers have also filed numerous credit bureau appeals.  XXXX    XXXX   and their new credit card department in  XXXX   XXXX  (  XXXX  was acquired by  XXXX  ) refuse to remove this damaging statement from my credit report.
Complaint sub-issue: Was not notified of investigation status or results

I have errors and inaccurate information on my Equifax Consumer Credit Report. I have disputed these accounts as being inaccurate, and Equifax had responded by stating they were able to verify these accounts. I requested information about these accounts specifically I requested physical proof to verify account information. Never received requested information.
Complaint sub-issue: Information belongs to someone else

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below.

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.
Complaint sub-issue: Their investigation did not fix an error on your report

I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Remove the late payment from this account : XXXX XXXX  XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The 3 major credit reporting agencies are listing numerous Credit Inquities which are not linked to any accounts that I am a holder of. I am Im the process of trying to purchase a home and these Inquiries are an issue. I understand that an inquiry should not be on my file unless I have authorized it so I am kindly requesting that these be removed from my credit because it is making it difficult for me to proceed with home ownership.
The FCRA states that the only permissible purpose for pulling someones credit is for : 1. Firm offer of credit.
2. Insurance.
3. Court Order.
4. Employments.
The following Inquiries are not related to any of the aforementioned permissible and I would like them to be removed. Some of these Inquiries are so closely dated that I am certain they are unauthorized.
1. XXXX XXXX Dated XX/XX/XXXX ( 3 Bureaus ) 2. XXXX XXXX Dated XX/XX/XXXX( 3 Bureaus ) 3. XXXX XXXX XXXX DatedXX/XX/XXXX ( Equifax ) 4. XXXX XXXX Dated XX/XX/XXXX ( XXXX and Equifax ) 5. XXXX XXXX  Dated XX/XX/XXXX ( XXXX ) 6. XXXX XXXX Dated XX/XX/XXXX ( 3 Bureaus ) 7. XXXX XXXX DatedXX/XX/XXXX ( 3 Bureaus ) 8. XXXX Dated XX/XX/XXXX ( XXXX ) 9. XXXX Dated XX/XX/XXXX ( Equifax ) 10. XXXX Dated XX/XX/XXXX ( XXXX  ) 11. XXXX Dated XX/XX/XXXX( XXXX ) Please do not hesitate to correspond with me if you need further information and I am grateful for your kind assistance.
Complaint sub-issue: Unexpected increase in interest rate

Re : Increased Interest Rates I have contacted US Bank four ( 4 ) time concerning increased interest rates on past purchases. Requesting they reduce these rates. My request is based on the regulations by CFPB and the Credit Card Act passed into law ( XXXX XXXX thru XX/XX/XXXX ). I have never received any information from CFPB or the Credit Card Act making changes or canceling these regulations, or they are no longer effective. ( There is a ban on arbitrary interest rate increase, including retroactive rate increases. The Act states that banks can not raise rates on your existing past balances, unless you have failed to make payments for 60 days or more ). I feel US Bank has not adhered to these regulations. 

US Bam stated they have the authority to raise the rates based on the Federal Reserve increasing the Prime Rate. These increased started before the Prime Rate was increased. 

US Bank has been increasing my interest rates for a long time, sometimes every month. ( Beginning XX/XX/XXXX, interest rates for purchases was 7.24 %. Rates have increased monthly/yearly to XXXX to 17.24 % and 21.24 % for purchases ). I have contacted them other times concerning the rates. They have never reduced rates. I have had this account for many years. I have always made on time and before due date. ( Was late one time for 2 days, because I had not received my statement ). 

I have requested they review and re-evaluate the increased interest rates, based on the valid regulations, and apply a rate deduction. This request was denied. 

I received a Platinum Card Agreement letter from US Bank state the interest rate for the APR will be effective XX/XX/XXXX. This letter was received 5 to 10 days after my contact with US Bank. This is the first time I have received a letter re interest rate increases. 

I am filing this complaint for review, based on the valid regulations. I want to be treated fairly as a loyal customer. 

RESOLUTION : Lower/reduce past retroactive interest rates applied to past purchases, based on valid regulations. Credit account, and adhere to regulations. 

THANK YOU I
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft, these accounts I had nothing to do with that are showing incorrectly on my credit report
Complaint sub-issue: Information belongs to someone else

I contacted the police and FTC for assistance with this issue, now I'm contacting you all for your help as well. I'm looking to buy a new car in the next few months. So I had my credit report pulled just to see what I qualify for. Unfortunately, I discovered items on my report that are absolutely NOT MINE. Please remove these accounts listed. XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX. 
INQUIRIES TOO : 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  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
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Name : XXXX XXXX XXXXXXXX XXXX  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. section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Complaint sub-issue: Problem with product or service terms changing

The security breach of Equifax is unacceptable.
XXXX and other such companies make profits by requiring access to our personal information as a condition as our being able to engage in financial transactions, yet they do not take adequate steps to protect our information. Then when there is a breakdown in their security they try to place the cost on the consumer. All financial costs for these breaches should be put on the responsible parties - these companies.
All of these companies should allow citizens to securely lock their data without charges or fees for locking and unlocking / freezing and unfreezing their credit files.
Significant fines should be imposed when companies like Equifax fail to maintain security of information. There should be regular audits of these companies to make sure they are secure. Thank you.
Complaint sub-issue: Account terms and changes

Challenge an unfavorable section or oversight on my credit report. I am for the most part unsatisfied with CRAs reporting mistaken information, and other. XXXX archives/attach.