Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt is not yours

In XXXX of 2021 a collection with L J ROSS ASSOC XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Was deleted from my credit report because it was not mine. Information provided says it was for a XXXX XXXX account which I never had in my name. I was just alerted by XXXX XXXX that this scavanger debt collector says this account was opened 1 month ago which is a lie as I went through this a year ago and it was removed because LJ ROSS could not validate this debt. My credit score went down XXXX points because they just decided to erroneously and illegally put this on my credit like a new collection account. When you call this office, they attempt to threaten, harass and berate you into collecting money. Please have them remove this from my credit. I do not even liv ein NY
Complaint sub-issue: Their investigation did not fix an error on your report

There is a hard Inquiry from XXXX XXXX aka XXXX that is on my reported XXXX told me they would do a soft Inquiry for a credit line increase but they processed a hard Inquiry I contacted them about this they stated they would inform Equifax to remove it it would take 30-60 days that was back in XX/XX/XXXX up until this day it has not been removed and equifax refuses to remove it I will attach documentation and proof There is also another unauthorized Inquiry on my equifax file from XXXX XXXX  aka XXXX that should not be on there I have no account with this creditor
Complaint sub-issue: Their investigation did not fix an error on your report

My granddaughter moved into a college apartment. I had to put that apartment in my name. She had some of her own furniture so the college apartment managers moved out a few items so that she could put her own furniture there. Now that she has moved out, they are trying to bill me more than {$400.00} for that furniture. When we tried to resolve it theres a different management company there and different people there so they dont want to hear what we have to say. Equifax has put miss information on my credit report. And they have me in collections. I have witness statements from the other people who stayed in the apartment that the management moved those items out of the room but they dont want to hear it. Equifax refuses to remove that information from my credit report.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still 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 are the accounts that are still reporting on my Credit Reports : 1. XXXX XXXXBalance $ XXXX-Date Opened : XX/XX/2020 XXXX. XXXX XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/2020 2020
Complaint sub-issue: Personal information incorrect

I tried to dispute with Equifax XXXX XXXX XXXX XXXX on many occasions trying to get my personal information removed & they refused to remove it. And account to 15usc1681 I didnt give anyone written permission to furnish anything on my credit report.
Complaint sub-issue: Reporting company used your report improperly

The following companies have violated my rights : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} 15 U.S.C . 1681 Section 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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: Didn't receive enough information to verify debt

I was using my moms car because my car was not working. And forgot to transfer my XXXX tag to her car. Then I have received XXXX violation and I replied to them each time they sent it to me. Then couple of months later I received a letter from alliance one saying i owe {$700.00}. So I called XXXX  to understand why they are asking me to pay this. They told me you never replied to our violation. So I told them I did. They asked me which way. I told them by mail. Then they told me I should of called it in because we dont always receive all by mail. So now Im stuck between alliance one asking me to pay {$700.00} and XXXX. So I called alliance to find out how much the tolls were and they told me its around {$200.00} so I paid the tolls. And now they want me to pay for the fees. But I dont owe them that because Im an XXXX customer.
Complaint sub-issue: Trouble with how payments are being handled

XXXX XXXX XXXX offers income-driven repayment ( IDR ) plans that offer loan forgiveness after either 240 or 300 qualifying payments have been made. My federal loan servicer is FedLoan Servicing. When you go on their website, they only offer information and loan tracking for 'Public Service Loan Forgiveness ( PSLF ) ' which is completely different from the loan forgiveness offered to individuals that have made 240-300 qualifying payments under IDR plans. Their website only provides the option to track and apply for PSLF loan forgiveness. I have contacted FedLoan Servicing on several occasions to determine how many qualifying payments I have made under the IDR plan and it does not appear that this is tracked in their system. FedLoan Servicing acquired my account in 2014 and based on the response I was given by a customer service agent, it does not appear that payments made with the previous servicer was carried over and tracked in their system. Each time I inquire about my qualifying payments, I'm met with confusion by the customer service agents who eventually wind up manually calculating only the qualifying payments I've made with them.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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
Complaint sub-issue: Problem accessing account

I started banking through credit karma when they introduced their instant karma feature. On XX/XX/XXXX at approximately XXXX I received an email stating, " We noticed some new activity on your profile and are reaching out to ensure the security of your account. Please provide a front and back copy of a valid government issued photo ID along with a statement copy of the external linked account ending in XXXX. Please ensure the statement of the external linked account shows the account owner 's Name. 
We apologize for any inconvenience but this is necessary to maintain the security of your account I submitted the proofs that day. It is now XX/XX/XXXX and Everytime I call their customer service all they say is it's been escalated and being reviewed. Our specialized team is reviewing everything. When I ask to speak the the specialized team they say they only communicate through email. I still 12 days later have not heard a single word from this so called specialized department. They will not give me any information as to why my account was locked or when it could be released.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX and XXXX, XXXXI sent letters all three credit bureaus asking for them to remove bankruptcy off my report. They somehow claimed they verified accurate information yet, failed to respond to my questions of their methods of verification. On XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to any credit bureaus and they immediately sent me correspondence stating that US Bankruptcy XXXX do not report or provide information to credit bureaus or any other agencies. So, if thats the case, how did the credit bureau verify a bankruptcy as 100 % accurate? They never did a fair investigation according to the 15 U.S.C. 1681.

15 U.S.C. 1681 section 603 ( 3 ) ( E ) States ; the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit report obtained directly from a creditor of the consumer or from a consumer reporting agency. When was such information obtained? You have violated my rights numerous times. 

You have violated my given rights under 15 U.S.C. 1681.

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

According to 15 U.S.C.1681 section604 A. Section 2 : A consumer reporting agency can not furnish an account without written instructions.

According to 15 U.S.C. 1681 s-2 ( A ) ( 10 A person shall not furnish any information relating to a consumer to any consumer reporting agency. If the person knows has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello, my name is XXXX XXXX and this is my second attempt to mediate this current dilemma. I have attached my exhibits and identification for your review. 

I look forward to your prompt attention.
Complaint sub-issue: Personal information incorrect

Some how my address was changed to an unknown address and is now reported to my credit report. Company could not tell me who or how my info was changed. I have absolutely no connection with the address. 

Loancare.com. They recently bought my mortgage from XXXX XXXX added that I have no connection with is .... 
XXXX XXXX XXXX unit XXXX XXXX XXXX XXXX mi XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a letter requesting that you reinvestigate the disputed accounts from my credit report as well as update these accounts from my report during the investigation period. As of this date, you have failed to respond to my request. Here are the accounts that I wanted to fix. 
OFFICE OF THE ATTY GEN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OAG CHILD SUPPORT ENFORE XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATTORNEY GENERALXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

A XXXX XXXX credit card account was opened in my name in XXXX. In XXXX wells fargo closed the account without my prior knowledge. I was unaware of any remaining balance. Since they closed this account in XXXX, they have been continuously reporting late payments each month to the credit bureau. I recently checked my credit report and have noticed 40+ late payment notifications on a closed account!!! It has damaged my credit very badly. I had no prior knowledge of these late payments that were reporting to my account each month for the past 4-5 years. I have filed a dispute with XXXX, Equifax and XXXX and they have failed to remove this from my credit report. I am making a formal complaint with XXXX, Equifax and XXXX for failing to due there due diligence to respond to me and correct my reports.
Complaint sub-issue: Information belongs to someone else

I have a XXXX XXXX XXXX revolving account on my report that does not belong to me neither am i responsible for it. 

i contacted XXXX XXXX XXXXXXXX on XX/XX/2019 and they couldn't help me.
Complaint sub-issue: Problem using a debit or ATM card

To Whom it May Concern, On XXXX XXXX I made a purchase from XXXX using my Citibank debit card in the amount of {$1600.00}. I did not use XXXX. I was only supposed to spend {$1600.00}, but somehow I was double charged the same amount of money. Two transactions in the amount of {$1600.00} were deducted from my citibank checking account immediately and at the same exact time. I called ebay customer service right away and I also spoke with the seller. They assured me that there was only one transaction and purchase in the amount of {$1600.00} in their records. Then, I called citibank convinced that they would not have a problem reversing the duplicate transaction. In the past, any other bank would have done that with a duplicate transaction. Not citibank. I spoke to a supervisor who told me that most likely the double transaction would be voided within 3 days, but just in case he suggested to open a dispute. When I heard that the soonest I could see my money back in my bank account would be between XXXX to 120 days, I wanted to cry. I waited 3 days, but my money was not refunded. I called back citibank and demanded to speak to a manager. I was denied the courtesy to speak with a manager. I was transferred to a supervisor who told me in a recorded call that my money was set to be deposited in my account as soonest as XXXX that night or the latest first thing in the morning because citibank decided to reverse the duplicate transaction. I was pleased with the results until the next morning when I found out that no money was refunded to my bank account. I called citibank again and this time they asked me to disregard the phone call I made to a supervisor the night before. I kept asking the supervisor to play the recorded call from the night before, but he refused. Citibank is refusing to reverse the duplicate transaction in the amount of {$1600.00} and they are asking me to wait between XXXX to 120 days for them to complete their dispute. Citibank is keeping my money for XXXX to 120 days for a duplicate transaction that should have been reversed. They are keeping my money for their personal interest and use.
Complaint sub-issue: Information belongs to someone else

I the consumer Demand you cease and desist pursuant to federal law 15 usc 1692c ( c ) I demanded the debt collector cease and desist reporting inaccurate information on my credit report I have 20 accounts 18 open and 2 closed also hard inquiries on my account and its fraudulent you are in violation if you continue to report anything without my consent you do not have a permissible purpose to report this info pursuant to 15 usc 1681b. After Ive sent you a letter and filed a complaint stating this.
Complaint sub-issue: Information belongs to someone else

I am still fighting this student loan mess in my credit reports it started in XX/XX/XXXX and I was born XX/XX/XXXX ; the CBs have my d.o.b. however that dont seem to help stop them from allowing this type of stuff to happen. I am frustrated to the max I am trying to buy a home for my family and this is stopping me. Something need to be done immediately and these student loans need to be removed from all 3 CBs XXXX, Equifax and XXXX  ... I need this taken care of from the day I first filed my dispute and they keep saying this stuff is verified JUST HOW IS IT VERIFIED I WAS BORN XX/XX/XXXX was not thought about in XX/XX/XXXX my parents had was only XXXX going on XXXX years old at this time and this is frustrating me too the max!!!!! I need HELP and need it NOW ... It look like the wrong social security number and incorrect names along with addresses I sent on my report and these people is doing nothing to get this cleared/removed when it shouldve NEVER been on my report from day 1!!!
Complaint sub-issue: Can't use card to make purchases

Im using cash app which is run by square inc . The account was locked because of a transfer to myself an account to account transaction. Its been locked since XX/XX/XXXX I believe I completed every step required all for no reply. The support means of contact was placed to make sure you dont get any help. Its a pandemic my moneys needed for rent, medicine as my XXXXyr old has XXXX and this is all my money in this account. Please help they are not replying and its almost like a major scam check the XXXX  website and did a complaint there. Apparently this is a tactic they use Help.
Complaint sub-issue: Problem with statement of dispute

I have disputed information on my report and am unable to validate this information because Equifax has not provided the correct address for these accounts on my credit report. Attached copy of my credit report shows the address they provided. Also attached is a copy of the letter I sent to this account attempting to validate this debt. The letter has been 'returned to sender ' so I am unable to confirm this account is actually mine.
Complaint sub-issue: Problem with balance transfer

I requested a balance transfer from my Discover card to one of my XXXX XXXX  cards of {$2400.00}. On XX/XX/2022, XXXX XXXX paid Discover for the balance transfer. Discover claims they can not find the funds. I have provided documentation from XXXX XXXX. Discover has yet to remove the balance transfer from my account and it has been XXXX months. I filed a separate complaint regarding another balance transfer of {$1300.00} done on the same day.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 45 days later, I have not received a response yet. I feel like I am being taken advantage of and being ignored in reference to my disputes. Section 611 ( a ), it is plainly stated that a failure to dispute these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 45 days and everything mentioned should be removed promptly. I demand these accounts be deleted immediately, or I will file for litigation for the stress you have caused me.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax online dispute portal has been undergoing " maintenance '' for over a week, this i unacceptable under fair credit standards. it is a simple portal and they have an in-house IT department.
Complaint sub-issue: Account status incorrect

Discover Card as of XX/XX/2018 is showing on my credit report as charged off with a high balance of {$11000.00}. However this account has been sold to a collection agency which is attempting to collect on debt. I understand there is a balance owed on this account but I have not come to an agreement with the collection agency until its clarified what it is that I owe. I don't recall me ever reaching my credit limit
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account 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
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have contacted EQUIFAX bc I recently have gotten a few credit inquiries that I did not authorize It has been unusually back to back requests for credit. I have a business and recently let go my partner, so I am not sure if this was them seeking business credit on my behave, I deal with a lot of foreigners so I 'm not sure if this is fraud or : I should only have  XXXX  KNOWN CREDIT INQUIRIES THAT I AUTHORIZED MYSELF!!!!
IT IS CURRENTLY  XXXX  TOTAL SO  XXXX  ARE NOT AUTHORIZED OR KNOWN!!! Which is ridiculous bc I did not do these!!
BELOW ARE THE INQUIRIES I DID NOT AUTHORIZE AND I HAVE CHECK MY RECORDS AND LOOKED UP COMPANIES TO SEE IF THEY ARE MINES, IT IS NOT I HAVE ALSO CONTACTED EQUIFAX AS WELL AS THE COMPANIES AND EVERY REPLY STATES THAT I HAVE MADE WHICH ANYONE CAN REQUEST A LOAN ONLINE :  XXXX  XX/XX/XXXX   XXXX  XX/XX/XXXX   XXXX  XX/XX/XXXX   XXXX  XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX   XXXX  XX/XX/XXXX   XXXX  XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX   XXXX  XX/XX/XXXX   XXXX  XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XX/XX/XXXX
Complaint sub-issue: Frequent or repeated calls

Over the last XXXX days I have received a minimum of XXXX calls from Allied Interstate. When I answer the calls I get hung up on. My longest " conversation '' has been XXXX which consisted of them telling me who they were and that the call can be monitored. I am unable to find out exactly what debt this is in regards to since they hang up.
Complaint sub-issue: Information belongs to someone else

These are not my accounts, nor did I live at these addresses. I also didn't authorize these companies to run my credit.
Complaint sub-issue: Problem with statement of dispute

I believe that the XXXX credit bureaus are grading my credit report in a discriminatory fashion and allowing companies to add negative items that are inaccurate and are not being properly varified by the credit bureaus. Which has caused my credit score and report to suffer as a result. And, cause me hardship in my personal finances. Which has allowed lenders to disqualify me for different loan products, such as credit cards and home loans. So basically, it 's not lenders being discriminatory, it 's the credit bureaus. Because the are not making companies report adequate evidence to prove the the validity of the claims, which they would not do to other Americans consumers.
Complaint sub-issue: Personal information incorrect

My Name on my Equifax Credit Report is spelled and reporting incorrectly
Complaint sub-issue: Funds not handled or disbursed as instructed

On XX/XX/XXXX, I opened a Citi XXXX Account with a deposit amount of {$50000.00} based on a 60-Day promotional offer to earn {$700.00}. After 60 days passed, I contacted Citi to ask the status of the bonus deposit and was told that the bonus would be deposited within 90 days. In XXXX I was also told that I had met the requirements for the bonus on XX/XX/XXXX. Additionally, Citi told me that the bonus would be deposited by XX/XX/XXXX, at the latest - taking the full 90 days after qualifying for the initial 60 days. 

Still by XX/XX/XXXX, Citi did not deposit the bonus. I called Citi on XX/XX/XXXX and it was confirmed a second time that I had met the requirements of the bonus offer and was instructed to file a promotional dispute, which I did. I was told Citi would reply in XXXX business days. They did not. On XX/XX/XXXX, I called again and was told a letter had been mailed to my home address, saying " wait for the letter. '' On XX/XX/XXXX, I called Citi to request the entire account funds be transferred to another bank and instructed Citi to close the account. I still have not received a letter from Citi. 

Where is the {$700.00} bonus?