Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have been battling with Equifax for well over 5 months trying to get these inquiries that I do not recognize removed. I was notified that I first was part of the Target information breach and then XX/XX/XXXX I was part of the 2nd Equifax Breach over and over I get some one that does not speak English being condecinding and rude when I am trying to resolve the issue that was not my fault in the first place it was their system since someone hacked it I am now just trying to remove what I did not initiate. Not all Inquiries are false I have provided the ones below that I do not recognize. You can definitely admit 40 is excessive that is crazy my other reports dont have 42 and i do not have that many accounts and if they check their records i have faxed multiple dispute requests, called multiple times and I have also attempted their protocol and reached out to each of the 21 of the Inquiries are not mine. When I called the creditors like Equifax told me to do they have no record of my initiation of requesting credit on the dates the inquiries are on my credit and they atre on my credit ran multiple times sometimes 2 times with in the same day. So going back and fourth is getting me no where I can 't dispute something nobody has record of yet Equifax considers it factual yet never validated any part of that record.

27 Inquiries I have no Knowledge of : 1. XXXX XXXX on XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4.XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX 14. XXXX XXXX XX/XX/XXXX 15. XXXX XXXX  XX/XX/XXXX 16. XXXX XX/XX/XXXX 17. XXXX XX/XX/XXXX 18. XXXX XXXX  XX/XX/XXXX XXXX 19. XXXX XXXX  XX/XX/XXXX 20. XXXX XXXX XX/XX/XXXX 21. XXXX XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX  are reporting incorrectly on the XXXX XXXX XXXX/XXXX   account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I do not now, nor have I in the past, had a credit card with XXXX. This account is being reported in error and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Complaint sub-issue: Account status incorrect

The collection agency has re-aged 6 accounts according to the original creditors date of first delinquency. I asked them to delete the accounts immediately but have yet to do so.
Complaint sub-issue: Didn't receive enough information to verify debt

AESXXXX student loan is reporting I open as XXXX they are reporting this information to XXXX XXXX, and XXXX. I disputed with all three credit bureaus in writing ( three times ) My demand is to remove the debt off my credit reports it has been on my report for the last 10 years. I have called AESXXXX as recent as XXXX asking why is it still reporting. They explained it was not still reporting. They informed the credit bureau on XXXX that the information was paid in full and to be removed after seven years. 

I have expressed my concerns to all three credit bureaus about their reporting is a direct violation of the Fair Credit Consumer Protection law. All debt by law should be removed within Seven Years. They refused to remove the debt their explanation is that it is correct information under the Consumer Fair Reporting Act. 

This is my last attempt before taking all three credit bureaus to court. I would like for you to reach out and advise AESXXXX is a violation of Federal law. I am also going to sue for damages with lost of job opportunities. I have sent at least six letter with proof of the information being 10 years old.
Complaint sub-issue: Information belongs to someone else

I was a victim of identity theft. Per FCRA section 605 you are required to BLOCK any account listed on an IDTheftReport # XXXX. Ive already included this report in a previous letter & I have included it again. This letter is to notify you if you do not block the listed account on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. This is your final warning. Please remove the following items listed on my fraud report. Please re-investigate this matter and correct the disputed item as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Complaint sub-issue: Account status incorrect

I have lease a vehicle in XXXX of XXXX from XXXX XXXX XXXX. I never had any single late payment on this account. I have decided purchased this vehicle in XXXX of XXXX. After completely paying off this car loan it has started to report repossession on my credit report. I have contacted this creditor and they said it was reported by a system error and they will make a correction. 
It has been XXXX months after my last request and it has never been corrected. I have called them again and been told that because the account is already closed and they dont report it every month it can take a long time for an update. 
Also with this request I am sending you copy of the Payoff letter from XXXX XXXX, XXXX XXXX XXXX letter and Title Release letter. 
At the current moment I have this car at my possession which I am driving. 
Because their incorrect reporting my credit scores came down about 100 points. Right now I have to refinance my house but I am not able because my scores are suffering because of this issue.
Complaint sub-issue: Debt is not yours

On XX/XX/XXXX, a company named TekCollect sent me a threatening letter falsely stating I owe {$13000.00} to XXXX XXXX. 

While XXXX XXXX did perform work for me, all amounts owed by me were paid. There has been no presentation of invoices for the {$13000.00} claim. Nothing regarding any work, all of which was brought to a close in XX/XX/XXXX. 

Also, the TekCollect letter is titled " Final Notice '' when no notice whatsoever was received prior to this letter. And, the letter includes no supporting evidence, such as invoices, for any amount owed. 

TekCollect is threatening to ruin my credit record. I called the phone number on the TekCollect letter, and a very young person answered, with " Hello? '' I had to ask if I had reached the TekCollect office -- and it was never made clear if TekCollect actually has an office. 

Thank you for any assistance you can provide with this false claim. 

The TekCollect address is XXXX. XXXX XXXX XXXX, OH XXXX TekCollect phone number = XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I SPOKE WITH A REPRESENTIVE AT XXXX XXXX XXXX XXXX ACCT XXXX .... REGARDING THE WAY THAT MY ACCOUNT IS BEING REPORTED. I'VE BEEN PAYING IT AND THEY ARE REPORTING IT AS A CHARGE OFF WHICH IS NOT ACCURATE AND NEEDS TO BE CORRECTED OR DELETED FROM MY CREDIT FILE BECAUSE IT'S HURTING MY CREDIT. THEY AGREED THAT IT'S NOT REPORTING CORRECTLY AND TOLD ME TO DISPUTE THE ACCOUNT.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX ; Experian and XXXX are reporting incorrectly that I am XXXX XXXX XXXX days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Complaint sub-issue: Reporting company used your report improperly

Equifax has on confirmation # XXXX my exchange report was used to generate an XXXX score which was resold by Equifax then Equifax states on page 9 of 24 in which pages are missing 7 of 24 pages and information missing of the so call claim of 1 of 24 pages. page 9 of 24 alerts File block Promotional Purposes but Equifax resold as page 14 of 24 It is clear that Equifax is selling information for Promotional Purposes as XXXX it's been worded I fact to make valid what there doing but on the other hand make money of the consumer. Errors updating correct accounts for 5 months like XXXX XXXX XXXX that Equifax just updated. Paid payment 3 months in advance as attach copy but Equifax just updated after 4 months. It is clear Equifax has error after error and goes months to clear up there errors but your credit score is not adjusted to there error or incorrect information with no base.
Complaint sub-issue: Confusing or missing disclosures

Check sent me was fake deposited and sent them money check came back
Complaint sub-issue: Account terms

I have a student loan serviced through XXXX XXXX XXXX. The High Credit is reporting incorrectly. My balance is {$720000.00} and my High Credit should be equal to that as this is the amount I was approved for. Instead my High Credit is listed on my credit report for this account as {$590000.00}. It is causing a significant decline in my credit score because it looks as though I owe more than I was approved for.
Complaint sub-issue: Charged too much interest

As of XX/XX/XXXX we ran our credit card bill up. We owed {$1400.00} on the XX/XX/XXXX statement. During XX/XX/XXXX I made these payments : XX/XX/XXXX {$2000.00} XX/XX/XXXX {$240.00} and XX/XX/XXXX $ XXXX.The payment date for the XXXX statement was XX/XX/XXXX. The new balance for XXXX was {$4300.00} with a payment due date of XX/XX/XXXX. I made a payment on XX/XX/XXXX for {$2500.00} that is not showing on this statement because no payments were showing but I paid the {$2500.00} before the due date. I did not pay this month in full and accrued interest of {$45.00} which I do not debate. Then in XXXX my amount owed was {$370.00} with a due date of XX/XX/XXXX. I paid XX/XX/XXXX {$130.00} XX/XX/XXXX {$2500.00} and XX/XX/XXXX {$5700.00}. I paid all purchases besides the pending purchases which were the {$370.00} before the credit card close date. I accrued interest which I disputed of {$75.00}. I was told by TWO citi representatives if I pay the credit card off full in two consecutive months, then the interest would stop accruing. So on XX/XX/XXXX I paid XXXX, XX/XX/XXXX XXXX and XX/XX/XXXX XXXX as the purchases posted. Then on XX/XX/XXXX I paid the remaining posted purchases of {$820.00} before the credit card close date and YET they still charged me interest of {$6.00}. I contacted them again and because my XXXX has a remaining statement balance it was not considered " paid in full. '' I have never had a credit card company that required me pay two consecutive months to stop interest or have I ever had a credit card charge me interest when I have paid the credit card down to a XXXX balance beside pending purchases. I am a XXXX member and when they switched from XXXX XXXX, we had no say. There was no paperwork we signed. To get a copy of the card agreement you have to request it. This is by far the worst credit card I have ever had. Citi does not allow customers to pay pending purchases online and XXXX XXXX allowed me to. I could eliminate some stress if it allowed me to pay pending purchases but they are using this as leverage to charge interest to customers.I don't see how a credit card company can charge interest when the card was paid in full.
Complaint sub-issue: Debt is not mine

Either a Macy 's customer used my phone number or their debt collector randomly selected mine and attached to delinquent account. I asked not to be called again. Called again less than a day after I requested for the harassment to cease. I called the XXXX number left on voicemail by XXXX XXXX. She verified by last XXXX of the SSN that I am not the account holder.
Complaint sub-issue: Information belongs to someone else

I am one of the victims of Equifax 's XXXX XXXX and also a victim in there recent " INACCURATE '' scores given this year XXXX and caused severe financial hardship. Furthermore, Equifax has ignored my FTC Identity Theft report and has failed to block the fraudulent accounts under The Fairs Credit Act 605b. They have caused severe financial hardship for myself and my family. I have attached the certified letter sent to Equifax on XX/XX/XXXX with evidence including Identity Theft Report, My SSN Card/Drivers Licenses, and Utility bill for verification.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2018 I submitted a dispute to all 3 major Credit Buraus Agencies in regards to identity theft. I have yet to have my dispute resolve or any feed back regarding this matter and its been well over 60 days.
Complaint sub-issue: Attempted to collect wrong amount

I sent a letter certified mail to XXXX to valid debt in about of {$740.00}, XXXX responded with the original debtor " XXXX XXXX XXXX '' ledger with an excessive carpet fee for {$320.00}. I responded back to XXXX certified mail with pictures taken from Move Out of the entire apartment with no carpet stains. I also sent a copy of a letter from my Lawyer that was forwarded to original client XXXX XXXX stating that the debt was incorrect. As stated in the legal document, the silence was taken as a confirmation that the amount was incorrect. Yesterday, I spoke with a representative to follow up on the status of my response. The representative stated that " he received the pictures of the apartment. Apartment companies can add fees if you do n't have a move out inspection and next time have an inspection to avoid false fees. '' He then went on to explain how he would delete the debt from my file for a settlement of {$420.00} however he could not put it in writing. I have to pay first then he will delete from my file.
Complaint sub-issue: Account status incorrect

I had a regular checking account with XXXX XXXX XXXX. I was made aware that there were some overdrafts on the account due to some minor charges and bank fees being charged several times. I got a holed of my credit report in XX/XX/2019 and notice that XXXX XXXX XXXX had report the account as a charged off from revolving account, this after the account was paid full. I've had overdrafts at other banks and financial institution and was able settle them with no farther actions being takin. With no calls or any written notice to collect a debt XXXX reported this collection account as account charged with late payments to all three major credit bureaus agencies. I have written to XXXX XXXX XXXX to validate the debt as required by the Federal Trade Commission under Fair Debt Collection Practices Act. The letter was received on by XXXX on XXXX as shown on the returned U.S.P.S. receipt. XXXX XXXX XXXX as not respond to letter and continues to furnish inaccurate and misleading information on my credit report for over five year causing harm to my credit worthiness.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax credit reporting agency has a Bankruptcy ChXXXX from XX/XX/XXXX listed on my credit report. This Bankruptcy was a Ch-XXXX and should have been removed from my credit report last year after 7 years. I have disputed it twice with Equifax on XX/XX/XXXX & XX/XX/XXXX. They have refused to correct this error and I was denied a new car loan.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

THE XXXX XXXX XXXX XXXX A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Complaint sub-issue: Received bad information about my loan

I am a public defender and am going for pslf forgiveness. I am in my fourth year and I have had numerous issues with fedloan. This year, I did not submit my XXXX and and my IDR plan request in time according to my loan holder. I submitted it XXXX because XX/XX/XXXX is the first month in my yearly cycle. Fedloan stated that they needed {$1100.00} because the paperwork was untimely. I told them I did not have XXXX and told them not to withdraw. My loans were defaulted and interest was capitalized. On XX/XX/XXXX I called fedloan to see if the paperwork would be completed in time for me to make a XX/XX/XXXX payment. At this time I was told that the paperwork was incorrect because I had not skipped step 2, like I was supposed to. I mistakenly checked a box in step 2 requesting to be put on the cheapest payment plan. The fedloan rep had me upload another request to my digital inbox. The second request was uploaded. I did not modify this doc as it was generated from the dept of Ed site and had my name, signature, and request to have ibr recalculated all prepopulated. I was assured that this would be satisfactory. I called fedloan a week later because my loans were still in default and another XXXX was being requested for XX/XX/XXXX. This rep expressed concern that the request that I uploaded did not have identifying numbers on it. I explained that a rep walked me through the process and these were forms directly from the dept of Ed that were prepopulated. Eventually he agreed and said call next week. Yesterday I logged into my account. My account no longer shows default but shows that I am on a standard repayment plan and XXXX is due XX/XX/XXXX. I then called fedloan and talked to XXXX, XXXX. She told me that I filled out the request incorrectly. I explained that she must not be seeing the correct request. She then advised me to get on a repaye plan without ever explaining why I am on a standard plan and not on an ibr. She then told me that the second request wo n't work because it did not have a wet signature. She then told me that if I do not get a valid request submitted by XX/XX/XXXX That my XXXX would need to be resubmitted. I could not determine why the same XXXX doc would need to be resubmitted. Every time I call, I get a different answer. I asked to speak to a superior but was told that they all had left.
Complaint sub-issue: Can't close your account

I received 3 letters in the end of XXXX stating that I had opened 3 new checking accounts in my maiden name. I tried calling their customer service multiple times, sitting on hold for over XXXX minutes each time, and never got ahold of anybody. A week later I received 3 letters in the mail saying that I had successfully signed up for overdraft protection on all 3 checking accounts, on XX/XX/XXXX. I have never done business with this company before. I called their customer service again and waited on hold for over an hour this time. Finally I reached someone and told them the situation, they assured me they would close all three accounts, and notify their fraud department to research it. Today I received 2 letters in the mail saying that as of XX/XX/XXXX, 2 of those 3 accounts are overdrawn. I tried calling customer service again and waited on hold for over XXXX minutes, but did not get to speak to anyone. I do not want to be held responsible for these fees and loss to the bank since they did not cancel the accounts as I had directed weeks ago. Can you please help me?
Complaint sub-issue: Information belongs to someone else

Inquires on account do not belong to me
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX and Equifax are still reporting unauthorized inquiries on my credit report, as I have requested that this information be removed from my credit report. I did not give consent to these companies to access my consumer file. I received letters in the mail describing the items to be factual record of file and verified as accurate and reporting correctly. Who Verified these items? they 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 giving consent to those creditors to access my file to do a hard pull on my credit file ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to delete all information which I did not give consent to.
Complaint sub-issue: Problem with fees

I attempted to close out my Discover credit card account in XX/XX/XXXX and as I was reviewing the balance, the representative mentioned interest on a cash advance. Knowing I rarely make cash advances, I questioned it and after speaking with a second person I was told it would be reviewed and I would get a call back. I never did so I called again XX/XX/XXXX and was told that there were 2 cash advances for {$40.00} each XXXX in XX/XX/XXXX and 1 in XX/XX/XXXX and that the interest on them is $ 23.8 % and that none of my minimum payment was applied towards this and that it is their practice to apply the minimum payment towards the lower interest charges and only additional payments are applied to the cash advance purchases and if no additional payment is made then the cash advance just collects interest. 
I questioned how they can allow a customer to collect 23.8 % interest on {$40.00} for 7 years with no reduction and 23.8 % interest on another {$40.00} for almost 5 years with no reduction. The lady just apologized and said she would note my concern but what they can offer is 3 months of credit on the interest. 
I feel Discover is very misleading and the practice makes it difficult for people to pay down their debt especially not knowing this is how the payments get applied.
Complaint sub-issue: Reporting company used your report improperly

Equifax is being false and deceptive. They removed an account from my report then reinserted the account without my consent. I did not authorize them to furnish this account XXXX XXXXXXXX XXXX XXXXXXXX on my report.