Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On XX/XX/XXXX I contacted XXXX  to dispute several inquiries I have on my credit report from various car dealerships. These dealerships ran my credit without my knowledge to several lenders thus resulting in a surplus of inquiries on my report. The inquiries under dispute are : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ). I attempted to have XXXX look into these inquiries and they informed me that they would not initiate an investigation until I had letters from these lenders.
Complaint sub-issue: Investigation took more than 30 days

I reached out to the creditor to dispute incorrect information and they claim they can't verify this account since the account is with a third party. This is a violation.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX 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: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/2021 XXXX
Complaint sub-issue: Debt was paid

Account was paid off and settled XXXX, The account is now being reported on my credit report as a collection account with a balance of {$3.00}. This is a violation of FDCPA and FCRA.
Complaint sub-issue: Problem with personal statement of dispute

Please research my credit history. You can see that it was great until XXXX of XXXX. My Mortgage company ( XXXX ) has ruined my credit. Ive argued with them for over 6 months. XXXX management is adamant they are right, and more importantly, I am wrong. I filed a XXXX claim against them back in XXXX and my account has been flagged. I cant speak to customer service about my account without having to go straight to a manager. This is retaliatory and unfortunate because customer service seams competent and helpful. 

XXXX, in ERROR, added escrow to my account in XXXX. They later corrected it in XXXX. However, they credited escrow for most of my XXXX payment. I found out in XXXX that they sent me a check in XXXX for the amount that was sent to escrow. I never received it, nor was I expecting a payment. I never received, cashed, or was wired any money from XXXX. Every month we are on the phone trying to figure out why they are sending us delinquency notices and why they say our account doesnt balance. On our end, we show that the amounts we paid equal the amounts we owe as of XX/XX/XXXX '. Customer Service saw our issue and promised a returned call by a manager. Finally, in XXXX a customer service rep tells me in mid XXXX that a check was sent back in XXXX. XXXX puts a stop on the check and reissues. So, in XXXX I receive a check, I deposit and send back to XXXX. Now they show my balance as resolved. Meanwhile, to the rest of the world, Im late paying for XXXX, XXXX, XXXX, XXXX, XXXX and maybe XXXX. 

If Im delinquent, why are they sending me money. Why couldnt they just keep it and not ruin my credit? A XXXX manager that I was forwarded to insisted that as soon as they wrote me a check for the escrow reimbursement back in XXXX, I was delinquent. If I havent received the money, XXXX still has the money. I didnt get the money until XXXX. XXXX management is not going to research anything. If their screen reads late. It is late. PERIOD. 

This all began by a XXXX error. My account should have never been thrown into escrow. My payments should have always been {$1200.00}. If Im late, it is just for XXXX and XXXX. That is when my wife was on the phone with them trying to figure out why they applied escrow to our account in the first place. Im not doing this because of the $ XXXX late fees. Im doing this because my credit that I spent 30 years building has been trashed in 6 months by a payment misunderstanding. 


Please help,
Complaint sub-issue: Reporting company used your report improperly

Equifax violated my rights also compromised my personal identity that stim from Equifax data breach. I been fighting fraudulent charges and disputing fraudulent accounts that's on my report for over XXXX year now. Come to find out it's because of Equifax data breach. I reached out to equifax sent them supporting documents My police report and my ftc report about the fraudulent accounts on my report. Equifax did nothing. Below is couple of accounts. XXXX already agreed that I am not responsible for the account and so did XXXX XXXX admitted it not my account also. Equifax ignored they decision and now equifax has caused me to get denied for a equity loan threw my credit union ATTENTION : EQUIFAX FRAUD DEPARTMENT CONFIRMATION # XXXX XXXX # XXXX XXXX CREDIT CARD CONFIRMATION # XXXX
Complaint sub-issue: Account information incorrect

Today ( XX/XX/22 ) at approximately XXXX ( XXXX  ) I requested a small credit limit increase of {$400.00} on my XXXX XXXX account. At no time in the process leading up to, during or even after was I notified there would be a hard pull on my credit. There wasn't so much as a small hyperlink to skip over. It wasn't until I got an email from a credit monitoring service that I was aware of the hard inquiry at all. I never would've requested the increase had I known about the impending damage to my credit nor did I consent to the pull at any time in the process. When I called to speak to XXXX about this I was transferred to a supervisor who then did nothing but gaslight me, XXXX and eventually landed on ( essentially ) " Well it's our policy, you should've just known and I'll forward your concern to the tech team. They'll review it and see about making it more clear online. '' I have never had a hard inquiry on my credit due to a limit increase, whether offered by a company or requested on my part. How was I to anticipate XXXX ( parent company of Citibanks ) would be different, especially as my Citi card is one of those who have never done a hard pull after the initial to first get the account? When I asked how they could do a hard inquiry without my request I was told that " you consented by requesting an increase '' but again, this " policy '' was not given anywhere in the process. 

I'm so upset that such a minimal increase is going to negatively impact my credit for years, especially as I didn't consent to this. In no way is this small increase worth a ding to my credit and I would've never done thus had XXXX been forthright or actively asked for consent to pull it. 

I do hope someone can look into this and hopefully protect anyone else from ending up here as well. I'm hoping also to find a way to remedy this with the credit bureaus. 

Thank you for your time, XXXX.
Complaint sub-issue: Personal information incorrect

My name is XXXX XXXX XXXX. I am having issues with inaccurate addresses on my credit file. I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Credit Act, you are required to comply. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX  XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX   XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX Please delete remove these incorrect numbers below. 
The following numbers are not mine XXXX, XXXX,XXXX,XXXX,XXXX,XXXX
Complaint sub-issue: Deposits and withdrawals

I bank with Ally ( an online bank ). I made a {$500.00} deposit on XX/XX/XXXX. The check was written from a XXXX XXXX account. 
It was an electronic deposit. I have made many over the course of 3 years. The process has always been a portion of the funds are available the next day, the balance in 2 days. For this deposit, I was told by Ally that they had " confidential information that indicates the check may not be paid. '' I have never deposited a check that wasn't paid. I want to know what confidential information they have. The funds from the XXXX XXXX account were withdrawn on XX/XX/XXXX. The hold on my checking account is until XX/XX/XXXX. This does not make sense to me and I feel targeted.
Complaint sub-issue: Information belongs to someone else

FRCA Violation credit card XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation names and address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 8 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/20XXXX XXXX
Complaint sub-issue: Information belongs to someone else

To whom it may concern ; I check my credit and notice some fraud accounts on my credit that I did not Authorize. I have no Knowledge or have I open any of these Accounts This is fraud, and I want to put a fraud Alert on my credit so that this will not happen again.
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted Equifax the lovely company that put my information out to fraudulent people plus dealing with personal fraud on my credit that Equifax refuses to block according to FCRA. I sent a police report and identity theft.gov report to Equifax back in XXXX XXXX XXXX find me they received it and each month they would re-investigate according to what they say clearly they didnt and theyre not complying with blocking when you have been a victim of identity theft.
Complaint sub-issue: Attempted to collect wrong amount

I had a rental unit with XXXX for over 4 years, paid every month. My wife and I got it when we moved out of state with the plan being to come back for our stuff. 4 years later we realized we did n't really need the stuff anymore so we called XXXX XXXX and asked them what our options were to get rid of the storage. They told us the only way without us coming to get the stuff was to let them auction it, so we did. This was in XXXX XXXX, auction was in XXXX XXXX. The deal was they would auction it then send us a bill for XXXX, XXXX and then a couple fees minus whatever it had got at auction, estimated to be {$540.00}. In XXXX XXXX I receive a letter in the mail from a collection agency saying that I owe NOT ONLY the XXXX that the storage came out to be but also {$160.00} additionally for them to collect this fee from me. That is extortion, charging me extra money on top of my actual debt or else reporting it to my credit. I NEVER EVEN RECEIVED A BILL FROM XXXX! Never! And not only did I not receive a bill but also the letter from the collection agency came within a couple weeks of my unit 's auction! So immediately I contacted XXXX via their " contact us '' web page. I have been back and forth with XXXX trying to sort this out since then and finally now XXXX XXXX, a manager from XXXX XXXX said he can sort it out for me and get my bill to be XXXX dollars as it should be. So today I call XXXX XXXX from the collection agency as XXXX XXXX told me to and the agency will not put me in contact with her. They wont let me talk to explain the situation. They are extremely rude and threatening. They tried to demand my phone number and other information and of course they wont just let me pay the XXXX as I owe. Hopefully XXXX XXXX can at least sort out the payment for me, but either way a complaint needs to be filed on these guys.
Complaint sub-issue: Information belongs to someone else

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX 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: Account information incorrect

A medical collection account keep reappearing on my credit report. I have no knowledge of this account and I did not sign a contract nor did I give anyone permission to give out my personal information. My only conclusion is this account may be from a workers comp claim from my employer, which I am not liable for, also all claims and bills for that claim was satisfied by workers compensation.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and need to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX
Complaint sub-issue: Debt is not yours

XX/XX/20 @ XXXX called Capital Systems  XXXX no answer 47-second call XX/XX/XXXX @ XXXX called Capital Systems  XXXX no answer 54-second call XX/XX/XXXX @ XXXX called Capital Systems XXXX 1 minute 42-second call-representative informed me account # XXXX was sold and to call XXXX. No company name was given to me. 

XX/XX/20 @ XXXX called Capital Systems  XXXX no answer 47-seconds call-tried to call and get the name of the complaint that account was sold to. 

XX/XX/XXXX XXXX called XXXX to see why {$560.00} is being reported on my credit. The representative would not give me the company name and after asking 3 times she disconnected the call. 

XX/XX/XXXX @ XXXX called XXXX 1 minute 42-second call - this time I didn't ask for the company name I tried to talk to her about the original company that sold this account, its called XXXX. She kept wanting my full social security number. I only would furnish my name and date of birth. I stated to her several times that I have never had or even knew what that company was, I did inform her that they ( whatever business she was with ) falsely reported a debt of {$560.00} on my credit report. Also, they are falsely and knowingly reporting a monthly payment of {$560.00} on my credit report. I told the representative that her company is in violation of the fair and accurate credit reporting act and I needed this matter to be resolved ASAP od I will be reporting this to the consumer financial protection bureau. The representative hung up on me. 

So it's nowXX/XX/2020 and this is my formal complaint. PLEASE HELP ME TO GET RESOLUTION ON THIS MATTER CAUSE THIS IS CLEARLY TO ME THAT THIS INFORMATION IS NOT CORRECT AND ALL I KEEP GETTING IS SOME SHADY BUSINESS BEING REPORTED ON MY CREDIT AND NO HELP WITH AN EXPLANATION. THEY CAN NOT EXPLAIN ANY INFORMATION THAT I ASK FOR, ALL I HAVE GOTTEN WAS THEY WANT ME TO SETTLE WITH A LOW PMT FOR SOMETHING I HAVE NEVER HEARD OF.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax will not remove a medical debt that is under {$500.00} from my report. XXXX and XXXX have already completed this request without issue. I have sent another request for this to be removed from Equifax again. First dispute was sent on XXXX XXXX, 2023 and another dispute was sent on XXXX XXXX, 2023.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Keep getting calls about my loan

I cosigned a loan for a family member back in XX/XX/2014, am XXXX and ca n't pay ( my income was noted on the original application. Said student dropped out of college, took the money and is now in hiding and is unreachable. Got original loan through XXXX ( predatory loan approval ) Now I am being harassed by auto-dialer through Sallie Mae, who the loan went to for the college attended. They call 3+ times per day, fill up my voicemail inbox with robot messages. I recently had to put an app on my cell phone so that when they call, it hangs up and does n't go to voicemail. I SORT OF got peace of mind back, but the app makes a call log so I still have proof they are still calling, even on Saturdays and Sundays! I feel they have no right to do this to me. They have also told me there are " other accounts '' open in my name ( which I found out they lied to me ) and also have been threatening to take things from me ( I have no car or house so not worried about that ), threatening me with jail time, and saying they will take me to court every 6 months to prove my XXXX/income exemptions. They are also letting me know that I will go into charge off at the end of the month. They REFUSE to let me off the phone until EVERY PENNY of exempt income is accounted for, even food stamps! I tried to let them know I was taken advantage of at every step, and that since they ca n't get a hold of the student, they come after me. Student is refusing to take responsibility and at least try to pay {$10.00} a month to show good faith, but is refusing any responsibility for the lies of being able to pay this all back and I have nothing to worry about. THE WORST HAPPENED that was promised not to happen.
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

This bank is crazy their recovery office has been closed for weeks they dont bother to help I lost my job and cant pay my Macys card bill
Complaint sub-issue: Reporting company used your report improperly

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX # XXXX is violated my rights XXXX  XXXX  XXXX  # XXXX is violated my rights XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights
Complaint sub-issue: Problem with fees

I have been charged a late fee for the last three months, even though I made my payments of the due date. Your bank has changed the time, or began to enforce the time the payment was due to XXXX. I was never notified of this change and I made the payments on the date they were due. Three months of late fees were incurred, damaging my otherwise good credit. I want U.S. Bank and the C.P.F.B. that this is a predatory action. The date the payment is due is the date that it is. I do not believe the day ends at the time that U.S. Bank states. I do not get out of work until XXXX and it is still the same day as when I went to work. If I had known that at XXXX it became the next day, I would have made the payment the day before. Why would I want to pay a late fee for three months in a row when making the payment on the day it was due? I have been a good customer to U.S. Bank for many years through the XXXX card and these actions make me question the good intentions on U.S. Bank.
Complaint sub-issue: Didn't receive advertised or promotional terms

Credit karma provided me with pre-approval options for credit cards as well as excellent eligibility for applying for a list of specific credit cards. I was then denied the credit card for the ones that credit karma had told me I was pre-approved for. I then was given marks on my credit score and credit report and decreases in my credit score for the hard inquiries. I would like to issue a complaint directly to credit karma XXXX in this case and have additional documentation I can provide based on these credit karma allegations