Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was paid

I am submitting this complaint because I am being extremely affected by ENHANCED RECOVERY COMPANY , LLC. They are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

This company has been reporting wrong information, re-aging the account, they have failed to mark account as disputed, they have also reported multiple billing errors by XXXX  XXXX XXXX original creditor ) and unfair business practices. 

The account information is the following : ENHANCED RECOVERY COMPANY , LLC Opened Date : XXXX XXXX, 2019 Balance : {$140.00} Original Creditor Name : XXXX XXXX XXXX XXXX  My demand is based on many damages and all the violations that they have committed : I WANT THIS ITEM REMOVED FROM MY CREDIT REPORT ASAP. 

Thank you.
Complaint sub-issue: Application denied

I applied to a credit card with Citibank. Citibank denied me the card, stating my information on the my XXXX  credit report is does not have enough history. I actually do have plenty of history, it is just that my accounts have been closed. Before I applied, i verified with Citibank for this particular credit card I applied to, and they told me that they are accepting and approving applications this year and last year due to the Pandemic even if applicants do not have much information on credit file. However, Citibank did not keep their promise and denied my application. I am requesting an explanation as to why. 

Application ID : XXXX.
Complaint sub-issue: Debt is not yours

This is the fourth trial that ProCollect INC. made to collect the debt that I did not owe. 

Procollect Inc. contacted me first time in XX/XX/2015 to collect a debt that I did not owe. It was resolved throughout credit bureau by verifying the person who Procollect tried to contact was not me. 
The same company tried to collect the same debt that I did not owe a few more time for the past. 
Today I got a letter about the same debt from ProCollect. The amount is {$360.00} and the creditor is XXXX XXXX XXXX/XXXX. 
I want ProCollect recognize that I am not the person who owes the debt described in the letter and will not contact me any more.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX, XXXX CFPB : Due to the hacking of the XXXX XXXX XXXX XXXX XXXX at Equifax, XXXX, XXXX, and subsequently, I want XXXX to use the Highest Credit Score that it has calculated for me, rather than any Middle Score, for my recent, XXXX, Mortgage Loan Pre-Qualification. 
XXXX XXXX, XXXX, I applied for XXXX Mortgage Refinancing for my XXXX ARM Loan XXXX, for which my XXXX-calculated Credit Score was about XXXX. 
XXXX XXXX, XXXX, XXXX represented to my XXXX XXXX XXXX XXXXXXXX, that it had Closed on my Refinancing Package for my XXXX ARM Loan XXXX on XXXX XXXX XXXX, XXXX, IL XXXX, XXXX ( XXXX ) days BEFORE my scheduled XXXX XXXX, XXXX, XXXX PM, Closing at XXXX XXXX. 
XXXX XXXX, XXXX, XXXX XXXX XXXX conducted a Walk-Through Appraisal. He entered his determinations into his laptop computer and said that his Appraisal was for {$260000.00}. He then transmitted his computer 's information to XXXX. That day, XXXX represented to my XXXX XXXX XXXX XXXXXXXX, that it had Closed on my Refinancing Package. XXXX sent me Revised Declarations for my Homeowner 's Policy XXXX, with XXXX as XXXX XXXX, for my {$120000.00} First Mortgage, and as XXXX XXXX, for my {$50000.00} HELOC ( Application # XXXX ) Second Mortgage. I received the Revised Declarations, via XXXX XXXX Mail, by XXXX XXXX, XXXX. XXXX would not have sent them merely upon the Refinancing Package Approval, but, only after the Closing, that is, after my Refinancing Package had been legally FINALIZED. 
XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX e-mailed me a reminder of the Scheduled Closing at XXXX XXXX the following day, XXXX XXXX, XXXX, XXXX PM. I arrived there by XXXX XXXX, XXXX XXXX, XXXX. 
I continue to assert my federal civil right to review my XXXX for my XXXX XXXX, XXXX, Refinancing Application. 
I want XXXX to use the Highest Credit Score that it has calculated for me, for my recent, XXXX, Mortgage Loan Pre-Qualification. 


Sincerely, XXXX XXXX XXXX, XXXXXXXXXXXX XXXX Box XXXX XXXX, IL XXXX
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX, I noticed there was a balance on my credit report from XXXX. The loan was cancelled and I was trying to remove this from my report due to there still being a balance and my inability to negotiate to pay and remove this issue from my credit report. Also, the loan is listed in as a student loan. This was private loan for a coding bootcamp called XXXX XXXX ( XXXX ), which did not satisfactorily land me a job, nor were they even officially accredited at the time.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is failing to remove the accounts involved in fraud from the credit reporting with the multiple police reports they have in their possession. The problem is they are using a FAILED XXXX system in converting legal police reports into numeric code which then sent to the debt collectors. The debt collectors have no knowledge of the police investigation details from Detective XXXX XXXX, XXXX XXXX XXXX Police, instead these accounts are fraudulent coming back as verified. Which in itself is a crime. Detective XXXX XXXX, has stated the police reports below are final and no further police reports are needed for the police report cases. 

Police report numbers : XX/XX/XXXX-REPORT NUMBER : XXXX XX/XX/XXXX-REPORT NUMBER : XXXX XX/XX/XXXX-REPORT NUMBER : XXXX
Complaint sub-issue: Can't close your account

My mother, XXXX XXXX XXXXXXXX passed away XX/XX/2022. She had a checking account with US Bank which I attempted to close starting on XX/XX/2022 when I sent the requested death certificate, power of attorney and my identification to XXXX XXXX XXXXXXXX ( XXXX ) I received an auto reply directing my to make any further requests to US Bank Life Events. I have sent additional emails and left phone messages with US Bank Life Events throughout XXXX with absolutely no response other than 1 generic email sent XX/XX/XXXX stating that someone from US bank would contact me which no one has.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the fair credit reporting act i believe XXXX XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Complaint sub-issue: Information belongs to someone else

Not my information reporting on my Equifax Credit report
Complaint sub-issue: Their investigation did not fix an error on your report

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The ACCOUNTS I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the ACCOUNTS be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) showing on my credit report. I, therefore, request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the ACCOUNTS as soon as possible.
Complaint sub-issue: Was not notified of investigation status or results

This complaint to Equifax result of their non-compliance to my request and for their refusal of getting the accounts and inquiry, listed below, to be removed or corrected from my credit reports. However, that complaint was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these accounts and inquiry or have Equifax get back to me with regards to the issue. Here are the accounts and inquiry that concern me : XXXX XXXX CRE XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$16000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance {$14000.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Inquired on XX/XX/2020 XXXX
Complaint sub-issue: Reporting company used your report improperly

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 In accordance with fair credit reporting act XXXX XXXX XXXX  has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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 instruction.
Complaint sub-issue: Debt is not yours

Company Hunter Warfield harrasing with phone calls and letters about debt that does not belong to me for total of {$940.00} reporting and affecting credit report and preventing me from obtaining credit
Complaint sub-issue: Didn't receive notice of right to dispute

Collection Account was added to my credit report and I have not received any writtten notification, which violates my right to dispute and request debt be validated.
Complaint sub-issue: Reporting company used your report improperly

It 's been recently reported that equifax was hacked and personal information leaked. Through their provided site it shows that I am impacted by this
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX Account number XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Investigation took more than 30 days

I have received a copy of my credit report and it shows company XXXX  XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$640.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Complaint sub-issue: Their investigation did not fix an error on your report

I have had a few installment accounts with XXXX and now a revolving account. I have been a loyal customer and have tried to rectify this to no solution with XXXX. I ended up submitting a complaint to the BBB and have still had no solution. This actually lead to even worse and completely inaccurate information being reported on my credit reports. They are reporting that I was 60 days late in XXXX of XXXX, and another report states I was 60 days late in XXXX. I had automatic payments set up and they claim my payment on XXXX was denied by my bank. My bank states there was never a charge attempted by XXXX in XXXX of XXXX. Regardless if they attempted or not, I never received notification of this and when I logged in to make a purchase noticed and immediately paid in XXXX. Even despite the error in the payment system I could not have been 60 days late in XXXX nor XXXX if the XXXX payment didn't come out correctly. The XXXX payment was processed correctly and paid. So in XXXX it wouldn't have even been past due more than 4 days as they state it was due the XXXX and reported on the XXXX. So this information being reported is inaccurate. They have since now reported a late payment on this account in XXXX of XXXX, 3 months after this account was paid in full and closed. 

In addition to these NEW reporting errors they also opened a dispute on my credit report on their revolving account which has nothing to do with the complaint or any others I have made. I didn't open the dispute and now it's on my report affecting my credit and possibly my mortgage underwriting. So not only are they incorrectly reporting now they have opened a dispute on a completely different account! It's sad this is how good customers are treated.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I attempted to make a purchase of {$1900.00} on XX/XX/22 at about XXXX for an airplane ticket for my husband. I immediately received a text message from the credit card company asking me if I had attempted to make the purchase. I said yes by texting # 1 but the credit card company declined the purchase. I called the credit card company, they informed me I was free to use my credit card now, since they wanted to make sure I was the one using the credit card, and not someone else. So then I found a better offer and bought a different airplane ticket. My husband flew out on XX/XX/22 to XXXX with the different airplane ticket I purchased and I was surprised to receive a bill for the amount of {$1900.00} that the credit card had declined. 

I called the credit card immediately to tell them that I was wrongly charged and they initiated a dispute with XXXX, the company I had attempted to buy the {$1900.00} airplane ticket. The credit card company made it a dispute between kiwi.com and I, but I made it clear from the beginning that this is an error from the credit card company. The credit card company declined the purchase and after I understood it was declined, the credit card company authorized the purchase without my authorization, of something that I no longer needed and that was never used by my husband or I.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2022 I submitted a dispute for 16 accounts US DEPARTMENT OF EDUCATION XXXX. The confirmation number for this dispute is XXXX. Pursuant to 15 USC 1681i ( 6 ) ( A ) the consumer reporting agency is suppose to send written results no later than 5 business days after the reinvestigation.
Complaint sub-issue: Debt is not yours

I received a collection letter from Afni, Inc. ( see attached ) attempting to collect {$1200.00} Creditor XXXX XXXX. We have not done business with XXXX XXXX for over two years, and all equipment was returned and no balance was due. We have not received any notices from XXXX XXXX, and this account has not showed up in any Credit Reports. I'm starting to think I'm on some sort of scammer list, and these collection companies are sending letters just to see if I will " bite '', and send them money. I will also attempt to file a complaint with the Wisconsin Attorney General Office. Any assistance would be greatly appreciated. Thank you. 

XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

The Account I am disputing does not relate to any transactions that I have made or authorized. Please remove this account at the earliest possible time. I have doubts about its accuracy and the reported payment history on this account is a mystery to me, I dont remember if I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the account be removed to correct the information. 
XXXXXXXX XXXX XXXXXXXX I XXXX Balance : {$99.00}
Complaint sub-issue: Old information reappears or never goes away

My wife and I applied for an auto loan at the dealership and with our credit union. The loan was finalized with the dealer using XXXX XXXX XXXX, but there are three hard credit inquiries listed on the credit report. Given the loan inquiries are supposed to be grouped when taking an auto loan, how do I resolve this so there aren't so many inquiries listed on our credit reports?
Complaint sub-issue: Public record

I attempted to send my documents and dispute online. with Equifax. I was unable to because the security questions did not match my information. When speaking to an agent on the phone, the agent became confused and switched my name, so that my last name is now my first name and my first name is now my last name. I am also now married with a different last name, which has only added to the confusion. I have gotten several emails indicating that my dispute is completed and I can check the status. All my attempts to check the status of my dispute have been unsuccessful, I believe because of these discrepancies of information. I only have until XXXX/XXXX/16 to check the status. I have checked my credit score through XXXX XXXX. Equifax is the only bureau still showing that my XXXX judgements have not been removed. I have legal documents to support that the judgements were paid off.
Complaint sub-issue: Their investigation did not fix an error on your report

I had previously requested a payment history of our closed account from the provider and have attached the that part of the payment history that covers the period that our loan was with XXXXXXXX XXXX XXXX. This payment history is being attached to have the credit bureaus correct the inaccurate and incomplete data that they are reporting. 

At present our closed XXXX  account is only showing XXXX ( XXXX ) of the XXXX consecutive payments that was made from XX/XX/XXXX to XX/XX/XXXX. The account is also not showing the correct monthly balances, considering the account started at {$190000.00} and should have been descending based on the consecutive monthly payments that were paid each of those XXXX months to a closing balance of {$180000.00}
Complaint sub-issue: Account status

XXXX XXXX is reporting a collection account for XXXX XXXX XXXX in error. This account was paid by XXXX XXXX XXXX XXXX XXXX, and should not have gone to Collections. 
XXXX XXXX NEVER validated this debt with XXXX XXXX, nor did they validate that it was paid by XXXX XXXX XXXX XXXX. I have never received nor authorized anyone from XXXX to validate with XXXX XXXX so I know they never have. 

Per the FCRA Section 809 they have not properly validated the debt, and it should be removed from my Equifax Credit Report.
Complaint sub-issue: Debt was paid

XX/XX/XXXX I completely paid off Discover Card pursuant to an agreement ( attached herein ) from XX/XX/XXXX - XX/XX/XXXX ( as agreed ). Approximately four years later I found out ( in XX/XX/XXXX ) that they filed a judgment against me in XX/XX/XXXX even though I have proof of payment ( see attached copies of checks ). I have been trying to get them to talk to me since XXXX, but to no avail. I have sent by certified mail letters to all of the CRA 's and they failed to remove this debt even though I sent them copies of the checks and agreement. They ( Discover ) refuse to remove the judgment from my credit report ; they can not find my file ; they can not prove I owe the debt. I sent them the agreement and copies of the checks and they have never responded or sent any documentation they have on file to show I owe this debt. Apparently this debt has changed hands several times between debt collectors and they can not show that I have not paid. They did not even have my SS # until I sent it to their representative 3 weeks ago. Still no response. I feel they have violated UDAAP and the FCRA.
Complaint sub-issue: Investigation took too long

THE CREDIT REPORTING CONFRIMATION NUMBER IS # XXXX. I HAVE HAD CONTINUOUS ISSUES WITH EQUIFAX REPORTING MISLEADING INFORMATION PERTAINING TO DEFAMATION OF MY CHARACTER. THEY HAVE HAD NEW ACCOUNT IN MY CREDIT REPORT UNDER INVESTIGATION FOR OVER 6 MONTHS AND HAVE REFUSED TO UPDATE THE ACCOUNT THE STATUS OF THE INVESTIGATION AT ALL. THEY HAVE ALSO ADDED AN ADDITIONAL ACCOUNT TO MY CREDIT REPORT FROM THE SAME COMPANY AND HAVE MADE UP ACCOUNT OPENING DATES AS WELL AS MAJOR DELINQUENCY DATES. THE ACCOUNT THAT HAS BEEN UNDER INVESTIGATION FOR OVER 6 MONTHS IS ACCT # XXXX.
Complaint sub-issue: Account information incorrect

On XX/XX/2021, I was denied a personal loan by my XXXX XXXX, XXXX XXXX XXXX XXXX. The primary reason for the denial was that my reported monthly student loan payment amount to the credit bureaus ( they use XXXX  ) was incorrect. I double-checked and verified this information as well. I am on the income-based repayment plan. As such, my last income-based payment plan amount was changed to a XXXX dollar monthly payment plan. Prior this change, my income-based payment plan was {$280.00} a month. This is not the first time Nelnet ( or the student loan industry for that matter ), has reported incorrect information on my credit report. Update my credit reports with all three bureaus within the next 10 days. I do not want to be forced to take legal action against Nelnet for violations of the Fair Credit Reporting Act
Complaint sub-issue: Problem with fees

Despite paying off my balance in ful l, Macy 's  has charged a {$2.00} " minimum interest fee '' to my account every single month. In  XXXX , I got fed up and initiated a complaint with a  Macy 's repres entative,  XXXX . Within that communication,  XXXX  confirms that I paid my balance in full and that he will close my account, which he subsequently did. Despite that, on my next statement in  XXXX   ( after my account had already been paid in full and closed down ), I was char ged another {$2.00} fee. This is incredibly frustrating, and quite frankly dishonest, to keep charging interest on customers who have already paid off their balance, especially since it was confirmed by the issuing company. I doubt that I am the only  one imp acted by this and I encourage others to submit complaints as well.
Complaint sub-issue: Banking errors

Before XXXX ( around XXXX ) my employer switched Payroll company from XXXX  to ADP. 
Accrued funds ( up to the moment of transition ) were transferred accurately on XXXX BUT just the employee contributions for XXXX and XXXX ( and not XXXX ) were allocated to my 401k account. 
I wrote to the plan administrator ( in my company ) and he asked me for more time as he knew the transition had not been fully reconciled. 
Time passed and the rest of the contributions from XXXX on ( both employer and mine ) were posting with no issues. 
In XXXX I decided to leave the company and contacted my plan admin again to have the account reconciled as I was leaving in XXXX. He told me it has been fully reconciled and I explained to him there were still differences, missing contributions. He asked me to contact ADP. I tried, they refused to talk to me and asked me to do it through the plan admin. Finally I was able to put us all three together in the same call. In which they realized it was not only me but almost all the employees were missing contributions allocated ( about XXXX USD ) so they started the investigation and fix. 
To make the story short, in XXXX, after NEVER replied to my emails asking for updates on the fix, they credited the missing employer matching contributions for XXXX and XXXX, but still the never posted the missing contributions ( employer / empoyee ) for XXXX. 
In early XXXX, after left the company in XXXX, I was able to be transferred to a supervisor who listen to my complaints and was able to contact the person who was supposed to fix this mess, he asked me for patience and I told him about my decission to file a complain with you if they dont have this addressed before year end. 
Still, XXXX contributions are missing for almost all employers @ XXXX XXXX. In my case is XXXX USD, but for around 60 people in the company, some of them putting higher amounts towards their retirement is considerable. For not to mention the possible dividends they may have lost in 6 months according to their investments.