Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Investigation took more than 30 days

On XXXX I sent a letter to XXXX  regarding inaccurate and negative information on my credit report. 

It has currently been 55 days and I have yet to receive a response. 

I feel like I'm being taken advantage of, and my disputes are being ignored. It has been over 55 days, so they be deleted promptly. 

I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. 

Please see attachment.
Complaint sub-issue: Information is missing that should be on the report

The months of XXXX, XXXX, and XX/XX/XXXX have been excluded from calculation of my score. Due to this the score erroneously dropped from XXXX to XXXX in XXXX and has remained XXXX each month since. It is now XX/XX/XXXX. My score has remained XXXX in spite of on time payments on all accounts.
Complaint sub-issue: Their investigation did not fix an error on your report

Problem with XXXX, Equifax, and XXXX XXXX. There is a credit account with XXXX XXXX with Account Number XXXX. This Account says 'closed by credit grantor. ' I sent a dispute letter and two other letters disputing their actions. This account can not be mine because an account I had was resolved ( years ago. I do not evidence ) because fraud was detected. The company allowed someone else to use my card and the account was closed. I never had a card with {$3300.00} at any time. My complaint with the three agencies is ; they refused to give or produce information that was submit that made them place a negative mark on my credit report. In other words, XXXX gave the three companies information/documentation in which they believed this to be my account and the information give was true as to the account amount owed. They need to show that information or delete the false information. If, the company ( XXXX ) does not want to deal with this false information, why is the three agencies dealing with false information. At this point I am only asking for a deletion. This negative effect and affect needs to stop.
Complaint sub-issue: Personal information incorrect

REPORTING WRONG ADDRESS. 

To Whom it May Concern : XXXX XXXX I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, XXXX  XXXX Please update my name to : XXXX XXXX XXXX My only Social Security Number is : XXXX My only and correct date of birth is : XX/XX/2001 Please remove all other addresses off my report as they are not deliverable to me by the U.S. post office , and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

As a US service  member I had froze my  XXXX   XXXX  Account when I received orders to be stationed overseas in  XXXX   XXXX . When I returned to th e U.S.  in  XXXX  I re-activated my  XXXX   XXXX  Account, and a few months later I purchased a new cell phone with them. When I purchased my new phone in  XXXX  I updated my billing/address information with the sales attendant in  XXXX  's  XXXX , CO store. In  XXXX  I switched carriers to  XXXX , taking my  XXXX  phone number with me.     Unknown to me, I had a {$73.00} balance left on my  XXXX   XXXX  account.  XXXX  only attempted to notify me of this balance by mail and they used my old overseas mailing address. The only time I was called about this balance was when it had already gone to collections and subsequently it ended up on my credit report.  XXXX  did not use my updated    U.S. ad dress nor did they attempt to call me on the phone number that they knew  I took with me to reach me about this balance. Only the collections agency ( IC System ) used my phone  number to reach me.
Complaint sub-issue: Not given enough info to verify debt

I was contacted by CKS and they were attempting to collect a debt from XXXX XXXX. A company with a history of using illegal practices to take advantage of consumers. I explained that I do not owe this debt and the account was paid in full as part of a debt consolidation. They are reporting this debt with a false original creditor. I have attempted do dispute this and they will not put up the correct original creditor. I only assume because they know XXXX XXXX was sued by the CFPB and want to use deceiving tactics to not allow me to dispute the information on my report correctly. Upon research I found that XXXX XXXX was ordered to pay all effected consumers of the illegal practice by direct payment or account credit including credit to collection accounts. If I have a valid debt CKS would have applied this credit to my account. They basically did n't acknowledge my dispute and they continue to report this on my credit report as an original loan from " XXXX XXXX XXXX '' this is not even a real company I have researched and XXXX XXXX XXXX said they are not the same XXXX XXXX and they habve no affiliation with CKS Financial for debt collection. CKS seems to be wanting to tarnish my credit by keeping this on my report as a different lender.I do believe XXXX XXXX is not allowed to effect consumers reports do to the illegal practices. I only asked that they give me more detail in order for me to pay this debt CKS will not give me anything validating this debt and they told me that they did not and do not have to pay for detailed account information in order to attempt to collect on the debt. Basically I am a name on a list with social and and contact info. They also said my account number was changed from a XXXX to XXXX which is the reason I do now have records of it.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  I have listed the following : Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A Section 1 States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 States consumer reporting agency can not furnish without my written instructions
Complaint sub-issue: Debt was paid

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, I received a bill from a XXXX XXXX who says that he interpreted ( 2 ) venous duplex while I was admitted. He was paid by the insurance what they allow for that type of service. He called me and asked my to ask my insurance company to pay more and I told him that is what they allow for that service. He then sends it to a collection agency Remex ( XXXX ) XXXX. When they contacted me I told them that he was already paid for his services and that I don't owe him anything. He was not a providing physician for me all he did was interpret the venous duplex he did not perform it. He trying to charge me as if I went to his private office and he used his private equipment and performed the venous duplex which he didn't. The reason I need help is because Remex has put this on my credit report, what can I do to remedy this?
Complaint sub-issue: Information belongs to someone else

Loancare Home Mortgage. Name attached to mortgage history that is not responsible for the debt. 

Contacted and wrote the company.
Complaint sub-issue: Public record information inaccurate

ON XX/XX/2020 AT XXXX XXXX  RECEIVED MY DISPUTE PACKET AND AFFIDAVIT FROM THE FEDERAL TRADE COMMISSION . I NEVER RECEIVED A RESPONSE FROM XXXX. ON XX/XX/2020 I CALLED AND FILLED A DISPUTE OVER THE PHONE. TO DISPUTE 2 BANKRUPTCIES, ADDRESSES, AND ACCOUNTS. ON XX/XX/2020 I UPLOADED MY DRIVER LICENSES, FTC COMPLAINT, FTC AFFIDAVIT, AND POLICE REPORT TO XXXXXXXX. ON XX/XX/2020 I RECEIVED AN UPDATE FROM XXXX  THAT MY DISPUTE HAS BEEN COMPLETED. UPON CHECKING THE RESULTS THE 2 BANKRUPTCIES REMAINED ANS 2 INACCURATE ADDRESSES REMAINED. I THEN CALLED ( XXXX XXXX @ XXXX ) I SPOKE WITH XXXX IN THE SPECIALIST DISPUTE DEPARTMENT. XXXX SAID THE CREDITORS CONFIRMED MY IDENTITY, WHICH I DON'T UNDERSTAND BECAUSE ITS NOT MY ACCOUNTS IM A VICTIM OF IDENTITY THEFT. XXXX REENTERED A DISPUTE FOR THE 2 BANKRUPTCIES. I NEED ASSISTANCE WITH GETTING THESE INACCURATE ACCOUNTS BEING ILLEGALLY ON MY CREDIT REPORT. THIS IS AFFECT ME FROM OBTAIN EMPLOYMENT AND PROVIDING SHELTER FOR MY FAMILY.
Complaint sub-issue: Information belongs to someone else

I have been in contact with Equifax about inaccurate information on my credit report. Even after notifying them many times about these errors, they continue to report this inaccurate information on my file.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Consumer complaint narrative I received a letter from the Trellis Company on XX/XX/XXXX claiming that I owe { {$18000.00} }. They went on further to say that I defaulted on this obligation ( I dont owe them ) I saw no other information about who the original lender was, and what the terms and agreements were for the loan. They simply stated that I owe { {$18000.00} ) and they will garnish my wages to resolve the issue, which is Not right. I had my loan From Virginia Bankruptcy Court XXXX Dischrged, XX/XX/XXXX which The company was XXXX. Plus XXXX  did not show up in court in XX/XX/XXXXfor the {$10000.00} loan so Judge GRANTED me FULL DISCHARGE OF CHAPTER XXXX liquidation of Assets to me. 

Now, 5 years later I get letter from these Trellis Company and wage garnishment to XXXX XXXX in XXXX Va to garnish my wages and didnt say what date the loan was I had with them Trellis ( I have no loan with them ). This money laundering and target consumers of bankruptcy is illegal. I am a single mom and have no money, to go after these thugs,. Please help. Virginia Bankruptcy Court of XXXX said loan was discharged and trellis isnt named on court papers so they are threatening me and my company. 

What Trellis sent to XXXX is some made up number, and There was no other specific information as to the account number, the initial date the loan was started or which financial institution loaned me the funds.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have contact XXXX  in regards to a 30 days late in XX/XX/XXXX being reported after I was granted an extension due to natural disaster here in Fl ( hurricane ), I also informed them of my diagnosis of XXXX and have always called and paid on my loan. I recently spoke with an XXXX  agent on XX/XX/XXXX as I had just gotten out of the hospital, and my XXXXyo son attempted to take care of some Bill 's for me but was not aware o didnt use the checking info on file with XXXX  so that payment did not go thru. I usually pay them with my card due to them pulling payments days early when not authorized. I explained that to her and informed her I will be making that XX/XX/XXXX payment soon she advise that I make it by XX/XX/XXXX to avoid a neg reporting on my credit report. Then today XX/XX/XXXX I get an alert from XXXX  stating my account was reported as 30days late, when I attempted to dispute ( per XXXX  advise ) it tells me I cant dispute because I have already disputed the in accurate info from XX/XX/XXXX that was never updated/ changed as well. I would like my report to reflect accurate information as it drops my score when they do this and there is no accountability just the run around. Also I have paid over {$10000.00} on my loan since XX/XX/XXXX and my report only reflects {$2000.00} has been paid over the course of 3 years.
Complaint sub-issue: Debt was paid

This complaint involves a medical bill listed as a collections account on my credit report for which I had insurance coverage, both primary and secondary insurance companies. It is for services rendered on XX/XX/XXXX at XXXX XXXX XXXX in XXXX XXXX, CA, from the provider, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This bill is now with a debt collection agency, Grant & Weber, at XXXX XXXX XXXX XXXX, XXXXt XXXX, XXXX, CA, XXXX, ( XXXX ) XXXX listed on my credit report with an account number XXXX, and a file opened XX/XX/XXXX. The agency is attempting to collect payment for this medical bill that neither the provider or agency will collect from the insurance carriers. The provider claims they never submitted it to XXXX and are unable to do so now. The agency claims I owe this debt and they continue to increase the amount. The provider claims it has no details on the original amount, but it appears it is far less than what the debt collection agency is submitting to the credit bureaus. The agency lists the amount due as {$4000.00} and lists an " original loan amount '' as {$3000.00}. Moreover, this is not a loan. This is a misrepresentation. Further, I have disputed the amount with the credit bureaus to no avail, as the agency continues to respond back to the bureaus that it is a verified debt after I have made several pleas to the provider and agency to cease reporting it as so as it is a medical bill covered by insurance. My XXXX XXXX XXXX XXXX is primary and XXXX XXXX is secondary. This collection account continues to bring my credit score down causing me a great deal of financial distress.
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

On XX/XX/20 I was laid off due to covid-19. I contacted XXXX credit card, they waived my payment. I then tried to contact citibank via the messenger in the app. They told me I would have to call. I called and explained that I was seeking help due to covid-19. The customer service representative came off as very rude. His response was " OK so do you want a payment plan or something? ''. I was a little surprised by how he was talking to me. He looked up one of my cards and said there's no late fees ever on that card so don't worry about it. Then he looked into my other card, and just said that he was gon na waive the late fees. I explained that my other credit card waive the payment for me, but he wouldn't do anything. I asked if my payment would double up since hes telling me I don't have to pay it and he couldn't give me a for sure answer. I logged into my account yesterday and noticed that I do have a double payment on the on account. I have sent several messages to citi bank via their app And sometimes they just cut my conversation off and end the conversation without any resolution. Yesterday, I notice that you could apply for assistance via their website so I went ahead and did that. This morning, I woke up to emails advising me that both my cards credit limits had been decreased and pretty much maxed out. One of the cards they took away {$5000.00} worth of credit. I thought the whole point of the assistance programs were to help you maintain your credit scores during this time. Now my credit score is going to drop significantly. Terrible customer service
Complaint sub-issue: Threatened or suggested your credit would be damaged

On XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and Equiant Financial Services Inc timeshare developers attempted to collect a debt using egregious conduct referring to debtor 's race forcing payment using prior court dismissals. As a result, compliant/debtor sought federal court action ( Edwards et al v. Flagship et al., 1:22-cv-05386-KMW-AMD ) in violation of 42 U.S.C. Section 1983 Civil Rights violation and under the Fair Debt Collection Practices Act, 15 U.S.C. Section 1692, which prohibit debt collectors from engaging in abusive, deceptive and unfair practices. 
In addition, debtor filed in XXXX XXXX ( Edwards et al v. Flagship et al, ATL L-002502 22 ) against the above mentioned companies in violation of New Jersey Consumer Fraud Act, N.J.S.A. 56:8-1, which prohibits activities of " unconscionable commercial practice '' " deception '' " false promise '' and " misrepresentation. '' When called, the timeshare was never available for use under the timeshare agreement of odd year usage nor during alleged peak seasons. But, when called back minutes later there was availability at owners discounted rates. In XXXX, on top of the monthly payments there additional per night visit cost of {$45.00} dollars and one night {$100.00} dollars exercising a " double-dipping cost policy as a matter of practice and custom with deliberate indifference. We stop paying for something we has no access too.
Complaint sub-issue: Problem making or receiving payments

FRIDAY XX/XX/2020. TRIED TO LINK CHECKING TO XXXX XXXX AND PNC WON'T ALLOW. XXXX SENT ME THIS LINK
Complaint sub-issue: Account information incorrect

Creditors are not reporting correct information to XXXX, XXXX, XXXX. On XX/XX/2020 I contact XXXX XXXX XXXX XXXX via telephone ( XXXX ) in reference to a correspondence received deliver to my mailbox offering a settlement to resolve my Citibank CBNA Best Buy Account. The offer was accepted and the payment was made to fully resolve the account. I immediately request proof of payment, as well as, proof that the account was settled in full. They requested I send a email to request the verification that the account was fully settled. On XX/XX/2020, I received a call from their unit manager requesting a fax # for them to fax the proof of resolution. She stated the information would be reported to the the credit reporting agency and updated by end of month XX/XX/2020. As of date XX/XX/2020, the negative information is still showing on ALL 3 credit bureaus and has been disputed.
Complaint sub-issue: Sent card you never applied for

I received two pieces of mail to my home. One claiming a potentially fraudulent card was applied for in my name for a Home Depot store card provided by CitiBank. Looks very real. The second letter, arriving one day later claims I am approved for this card. Both of these letters look real. At no point did I apply for a Home Depot card.
Complaint sub-issue: Information belongs to someone else

The following fraudulent accounts are still appearing on my Equifax credit profile : ( no name ) Account number XXXX {$92.00} ( no name ) Account number XXXX {$83.00} ( no name ) Account number XXXX {$58.00} ( no name ) Account number XXXX {$0.00} ( no name ) Account number XXXX {$0.00} I disputed these accounts on the following dates : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 The fraudulent accounts are still on my Equifax profile.
Complaint sub-issue: Their investigation did not fix an error on your report

I just want the company to respond to me via FCRA guidelines. Thanks for your help.
Complaint sub-issue: Trouble with how payments are handled

I have been attempting to make payments to my private loans with Sallie Mae since XXXX/XXXX/XX/XX/XXXX and in each instance the payment I had submitted has been reversed, therefore incomplete. the total payment amounts have been amassing to ridiculous totals since no payments have been processed by Sallie Mae, and because of this, in XXXX XX/XX/XXXX I was forced into forbearance as this was the only solution they could offer me. Now, in XXXX XX/XX/XXXX I am STILL experiencing the same issue after many hours spent dealing with Sallie Mae customer service and reaching no solution. I do not wish to enter forbearance again, I simply wish to be able to make my payments in good faith as I have been trying to do so for quite some time. My interest continues to increase while Sallie Mae can not resolve the issue. Insufficient funds on the payment card is NOT the reason for this. I am a military wife living overseas with my husband and I can not afford to pay thousands of dollars towards my loans each month with building interest because Sallie Mae is unfit to handle and process my loans on time.
Complaint sub-issue: Public record

I filled for bankruptcy in 2008. After negotiating with my creditors we were able to come to an agreement and I paid my creditors and requested the bankruptcy to be dismissed. After 7 years I requested to Equifax to remove the bankruptcy and they refused stating its there company policy to leave it on my credit report for 10 years. The Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. When I spoke to Equifax they stated there following the law of the FCRA with regard to the 10 year policy, I have read the FCRA section 1681c and I can not find anything in any of the sections or subsections regarding dismissed bankruptcy being reported for 10 years.
Complaint sub-issue: Company closed your account

I went to store to make purchase and found out account was closed XX/XX/17. I called up to ask if they can reopen and they stated no and for me to re-apply. It did n't make sense to open a new account when I already had an account but they closed it without any notice.
Complaint sub-issue: Information belongs to someone else

This is my countless endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX Date Opened : XX/XX/2021 Balance : {$54.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I've send numerus letters to each credit burial and they keep telling me the same things over and over again. I've asked for my credit report and for them to change my address and name, there still reporting incorrect information. I've also sent them letters on unauthorize inquires that have been made to my credit. I'm really having a difficult time on obtaining credit. I'm in need of a vehicle and now I cant get one due to many incorrect inquires that have been made on my credit reports.
Complaint sub-issue: Account status incorrect

My fidelity rewards visa credit card is reporting closed and showing 30 days late. I repeatedly reached out to the fraud and verification department to fix account status. The 30 day late is incorrect and severely impacting me on ALL 3 credit report. I am trying to close on my mortgage with all the crisis happening right now this misinformation is damaging my home buying closing process.
Complaint sub-issue: Billing problem

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Complaint sub-issue: Having problems with customer service

Submitted request for IBR. When contacting via phone to receive status I was placed in the call back queue with a promised call back that never occurred. Additionally, have sent email asking about status and indicting a response would be sent within 48 which never occurred.
Complaint sub-issue: Information is incorrect

My personal information should read as follows on all consumer reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX