Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

Equifax ; XXXX  and XXXX  should not be reporting that I am ( 120-150 ) days late on XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was in the middle of a child custody case and was instructed by my attorney not to continue to pay child support until after the court made its final decision as to who was to receive full custody of my child. I won sole, legal custody and therefore there are no child support payments to be disbursed. I have attached a copy of the Cancellation of Wage Garnishment Order along with a copy of the Final Custody and Support Orders for reference. The lates that are reporting are false and are seriously harming my credit score. These lates need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Complaint sub-issue: Their investigation did not fix an error on your report

I purchased a vehicle from XXXX, the vehicle was repossessed they said they sent a delinquency letter to me within 10 days which in s the law in Georgia. They did not send a letter I submitted it to the credit bureaus they have not fully investigated the problem. There is no bill of sale where they say they sold the vehicle for {$1500.00}. They sold my account to a collection agency without my knowledge. I have a $ XXXX debt with XXXX and they can't provide me with a copy of a bill of sale that I have requested to show proof that the car was sold for the amount they are telling me it was sold for.
Complaint sub-issue: Information belongs to someone else

Every time I get a quote for insurance either I was ineligible, or it was too high. I would always ask what the reason for this and I was always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Please remove these items from my report. XXXX  XXXX {$500.00} XXXX XXXX  XXXX {$660.00} XXXX XXXX XXXX {$1200.00}
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX, I am contacting you regarding accounts on my XXXX, XXXX and EQUIFAX credit report. 

I have already contacted THEM but they have done nothing to resolve the issue. There are 6 student loans accounts that not belong to me.

I would like them removed because they are fraud and do not belong to me.

Please make THEM delete these fraudulent accounts ; this inaccurate information has directly affected my chances of getting approved for any type of loan or job or ability to get a license which requires a good credit rating.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax refused after I sent them proof to remove a revolving " business '' account from my " personal '' credit report..
Complaint sub-issue: Information is missing that should be on the report

I had a Car Loan with XXXX XXXX car financing. I never missed a payment and I recently paid the loan off after 5 years. A great accomplishment. XXXX XXXX Credit Bureau called it a closed account. As if it was a credit card and not a Car Loan and dropped my score drastically.I believe that they are quick to throw numbers around when people lives are determined by a decent Credit Score. I am ashamed of XXXX XXXX and how flip they were in ruining my score when it was not a closed credit card but a Closed Auto Loan which should have boosted my credit score way up.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., XXXX days ). Please let me know if you require anything else. Please remove the following items off my Credit File as soon as possible : XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX , NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} Date Opened : XX/XX/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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/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 XXXXXX/XX/XXXX. I have read that under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft, please comply with the law.
Complaint sub-issue: Account opened as a result of fraud

A checking account was opened in my name with Comerica Bank. I received a welcome package with starter checks. I called Comerica, spoke with the fraud dept. and they closed the account.
Complaint sub-issue: Debt was result of identity theft

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account, I.C. SYSTEM, INC Acct. No. XXXX, is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to The Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Complaint sub-issue: Was not notified of investigation status or results

My personal information seems to have been mishandled which puts me and other consumers at risk ( XXXX XXXX XXXX ) .I am listed as a potential victim according to their equifaxsecurity2017.com website. Furthermore, according to the above article, the breach was discovered on XX/XX/XXXX, and several Equifax executives sold their stock in the next few days ( although indicating this had nothing to do with the information breach ). However, I was not notified until this point through my own investigation ( XX/XX/XXXX ).
Complaint sub-issue: Debt was paid

This is my THIRD complaint filed against this company. 

This debt has been paid in full for almost a month. However, this company continues to violate our rights, and specifically refuses to have the wage garnishment removed. As a result, I have overpaid by over {$1000.00} and my wages will be garnished a 3rd time in 2 days. 

Both myself, and my employer have attempted to reach out to this fraudulent company to have this wage garnishment removed. However, everyone has been unsuccessful in doing so. 

Please, I am begging you please stop this company from continuing to ruin other people 's lives. This has gone on for far too long and until this company is stopped they will continue to operate in dishonest fashions.
Complaint sub-issue: No notice of investigation status/result

I demand to see Verifiable proof of the account they listed on my file
Complaint sub-issue: Keep getting calls about your loan

I receive upwards of AT LEAST 10-15 phone calls/voicemails every single day from Sallie Mae, in regards to my student loan bills. Due to the high volume of my medical bills that I am juggling as well, occasionally my payments to Sallie Mae are a TAD late ( tad as in a couple days to a week ), but they are always paid. I am tired of the round-the-clock harassment that I receive from Sallie Mae. My health concerns/disability are my top priority, which unfortunately is not necessarily affordable in America, and the last thing I need is constant XXXX phone calls reminding me to pay what I already am well aware of. Even if I DIDNT have a debilitating disability, the amount of times that good ol Miss Sallie Mae calls would STILL be deemed unacceptable, excessive, and extremely unnecessary. My own grandmother cant even leave me loving voicemails sometimes because XXXX keeps blowing up my voicemail box, and its extremely tedious to repetitively delete all of XXXX hundreds upon hundreds of voicemails that shes left for me. I have wasted MINUTES, I repeat MINUTES, of my life deleting voicemails from Sallie Mae. Wasted seconds I could maybe deal with, but minutes? That just crosses the line. I feel as if I am being stalked and violated by a crazy ex gf that I never had, and quite frankly, I am sick of it. XXXX XXXX. RANT OVER, and thank you for coming to my XXXX Talk.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Keybank Card Fraud Service XXXX, XX/XX/2022 Received {$190.00} charge on my credit card transaction dated XX/XX/2022, I have 0 description of what this charge purchased and I did not authorize this. I did not authorize anyone to order anything using my credit card number. I stopped in the local Keybank branch, talk to branch manager and filed disputed transaction. Bank sent me a new credit card with new account number. KeyBank also credited me a disputed amount of {$190.00}. Fine. But after few days I was charged again XXXX on new XXXX XXXX  XXXX. 
Received mail from KeyBank with explanation bank says they found conflicting information and have reason to believe that the transaction in questions were in fact authorized. Consequently, the credit amount of {$190.00} to my account on XX/XX/XXXX has been reversed. I DID NOT AUTHORIZE ANYONE TO ORDER ANYTHING USING MY CREDIT CARD NUMBER. I Dont USE XXXX XXXX  XXXX in last 13 months .No activities on this account. That card we keep in our safety deposit box in our house. According to advice local bank branch manager, called the listed merchant phone number and just got strange recorded message, and guy from merchant company told me they can offer me a reward 50 % of amount {$190.00}. Search internet and found XXXX. This is a HAIR SUPLEMENT product they sell. 
For old men like me XXXX XXXX XXXX I dont need anything like that hair supplement for young girls we never received any package and never ordered it. 
Seriously this needs to stop because if someone is taking this money or its taking my hard earned money and Im tired of it. I did not authorize this charge and I dont even know that it this. Called again for credit card company fraud dept. and lady promised me reopen case and she suppose send me email with new complain form. Last few days I check my email box and nothing heard from them.

I have business with KeyBank almost 40 years, Im retired 4 years and looks Im easy target of scammers because my old age and broken language. Im afraid will be charged this month again.
Complaint sub-issue: Other problem getting your report or credit score

Im in the process of trying to get a house. I noticed on my identityiq account that some information was different on my Equifax report then XXXX  & XXXX  report. After a failed attempt of not being able to log into my account I called Equifax to report it.The security questions the representative asked me I couldnt answer the questions because I kept explaining that I have no knowledge of those accounts so someone must have stolen my identity. The rep said because I couldnt answer the questions he couldnt grant me access. This situation went on for a month. Last month I think it was XX/XX/XXXX, spoke with another representative. This representative did the same thing with the security questions Im explaining the same thing to her. She stated that I needed to send a copy of a form of ID, social security number, & a letter stating why I was sending the papers. I faxed the copies like she said. A few days later I still couldnt get into my account. I kept being told the same thing over and over. I called this morning explained to a representative name XXXX the situation. He then asked me two security questions. The first question was about me having a credit card and the credit limit. I explained to him the credit card I had years ago. He asked for the name of card so Im trying to scroll up phone to find it. So I told him the name. Then he became rude and started raising his voice saying NO WHAT IS THE ORIGINAL CREDITOR NAME? I said well you didnt say whats the original creditor name. I gave him the original creditor name. He then asked for my place of employment. I gave the name. He then said Ok Ms.unfortunately I will not be able to grant you access to the account because the answer for your job isnt up here. He then stated that I would to mail in a letter to request a copy of my credit report. I said sir I just told you at the beginning of the conversation that I had already done that. He looked it up and said O yea you sent it in but it was shredded because it wasnt legible. I stated that Ive feel like Im being sent all over the world just to get access to my account. I know that that their making sure they have the right person but like I kept explaining to them that someone has probably have stolen my identity because I have absolutely no knowledge of those questions that they were asking me. Everyone expect the representative XXXX was nice, but he was rude. This is very aggravating because I need access to my account because I am in the process of cleaning my credit and I need to know if someone has stolen my identity. 
Thanks
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX I mailed the credit bureaus a dispute of the following information with no response. Per the fair credit reporting act section 609 they must remove the following information or be in direct violation of my consumer rights as a result of non compliance with the 30 day statue of limitation stated in the fair credit reporting act.
Complaint sub-issue: Reporting company used your report improperly

Equifax leaked my credit report and other personal information ( as reported by their website https : //www.equifaxsecurity2017.com/ ), along with that of 143 million other Americans. It is readily apparent that for such a significant breach to occur, Equifax does not take information security seriously enough. 

Other concerning aspects of this breach include the lack of timely disclosure by Equifax ( over 5 weeks )  and the above website reporting whether consumers were impacted by the leak that appears to yield random responses ( I visited the site several times and got alternating answers each time ). 

I contacted Equifax 's call center with my concerns about the leak and the website and was encouraged to sign up for fraud monitoring. This response does not address the root of the problem, that Equifax does not take my, and other Americans ', personal information and identity protectional seriously.
Complaint sub-issue: Received bad information about your loan

I attempted to get a deferment for a month. I was advised I still need to make payments during the deferment process. I was told my deferment would be applied to the month I requested over the phone. Now I am being denied because they said I kept making my payments. They have also reported my loan to the credit bureau for the month I requested a deferment for.
Complaint sub-issue: Information belongs to someone else

I previously filed a complaint on the fact that i did not recognize accounts and inquiries on my credit report. I have asked that the company investigate and furnish me with how they investigated and through whom, i still have not recieved a response.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. I have been a victim of identity theft since 2018. I have filed numerous police reports and complaints with the FTC. I am submitting this complaint to your agency to submit to the CRA 's. Please help me expedite the removal of the fraudulent accounts on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

In my most recent complain response ( XXXX ) there have been a lot of changes made, but none addressed or solved my main complaint, unless removing the XXXX XXXX account was done to solve the impossibilities that have been to get the multitude of errors on it corrected. But if it was removed as what should be done when errors not corrected. I would just like to mention, that removal of the account has happened in the past, but it soon gets added back to the reporting in its same corrupt state. Another change was the XXXX XXXX reporting. It is now reporting under dispute. Not sure how that happened, because there was not a dispute opened anywhere. Plus and a bigger problem, why was it changed where it shows missed payment history and that there was actions beyond the XX/XX/2021 closing date. Why does Equifax continue to allow mortgage operations access to consumer credit reporting. Deleting the account can be acceptable, but we know now that its not going to be permanent. And unlike in the past, now they are modifying the closed XXXX reporting to show recent and negative changes. 

Also on a newer car reporting by XXXX XXXX. It has been modified where it is not showing the payment history, which is also on another open complaint. How do you just remove the payment history.
Complaint sub-issue: Information belongs to someone else

I have been the victim of identity theft and have been in the process of removing all fraudulent items. Here is a list of the remaining fraudulent inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX CARD XX/XX/XXXX XXXX  XXXX  XXXX   XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX CARD XX/XX/XXXX XXXX XXXX CARD XX/XX/XXXX Equifax XXXX CARD XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Ive disputed multiple times with Equifax informing them that the account is not mine but Equifax is triple reporting the same collection. I am requesting they send me the method of verification on any calls, letter, names of associates they contacted during the previous investigation to support the outcome they provided.
Complaint sub-issue: Information belongs to someone else

I dispute an account with XXXX and they correct the error ( account open fraudulently ). I send all the information needed to XXXX, and they send me my credit report corrected. XXXX correct the account too but EQUIFAX have the information all wrong. I try to dispute this account in Equifax with no results. And all my information is wrong in Equifax, i have a mortgage and they delete the account and the account on dispute its still in my report. I been checking my credit report in XXXX XXXX almost everyday to see any change on it. I dont know if the 3 credit agencies are supose to have the same information. I can give you my XXXX report number for easy access to my info : XXXX I live in puerto rico and the account was open in united state. I been trying to deleted this account since XXXX  2015 and Equifax still have this account. Also the address still in my account. The account in dispute is XXXX XXXX # XXXX they use this address : XXXX XXXX XXXX XXXX VA XXXX ( fake )
Complaint sub-issue: Account status incorrect

CRA is direct violation of Metro 2 compliance, FCRA section 609, also Michigan consumer laws.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been working on my credit since XXXX of 2020, I realized there were accounts on my report that I did not authorize or approve of. I did lose my purse almost 10 years ago. I didn't think anyone was using my information till I started looking over my credit. I filed a police report and identity theft report. I then went to dispute the accounts through the credit bureau and they have not erased them from my credit report.
Complaint sub-issue: Deposits and withdrawals

HELLO I'M HAVING PROBLEMS WITH THE BANK CITI BANK THE DAY XX/XX/2019 A PAYMENT OF {$1000.00} WAS ALLOWED TO THE COMPANY XXXX BUT THE MONEY NEVER RECEIVED THE {$1000.00} DOLLARS ALREADY CALLED MULTIPLE TIMES TO CITI BANK BUSINESS ONLY I CAN ANSWER THAT THEY ALREADY DELIVERED THE MONEY BUT THAT IS LIE XXXX STILL DOES NOT RECEIVE THE PAYMENT THE {$1000.00} WAS PAID TO THIS COMPANY FOR THE FINANCING OF MY VEHICLE THE COMPANY GAVE ME A CHARGE OF {$100.00} FOR LATE PAYMENTS BUT I NEVER PAY LATE IT WAS CITI BANK BUSINESS THAT I DO NOT DELIVER THE FUNDS AND I DO NOT KNOW WHERE THEY WANT THIS COMPANY TO PAY ME ALL CHARGES THAT I GAVE FOR CITIZEN OF CITI BANK ..
Complaint sub-issue: Information belongs to someone else

Noticed a few accounts on my credit I do not recognize
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX, 2017 I was talking to a representative ( XXXX ) about an account that was duplicate. I also have a fraud alert on my credit and lenders are still able to pull my credit without my consent. I called the company to dispute the inquiry. The company told me to contact Equifax. I spoke to the company that has duplicate account on my Equifax report told me they sent Equifax a letter for removal. They sent me the same letter. Equifax still has not removed it. When I was on the phone with Equifax the lady hung up in my face.