Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX  XXXX, XXXX, XXXX, XXXX, XXXX, 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 XXXXXXXX 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: Debt was result of identity theft

This is an unauthorized account popping up on my credit report. This account was opened without my consent or knowledge I would like to have it removed immediately. This has caused a stagnation for my financial goals.
Complaint sub-issue: Information belongs to someone else

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response.In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Complaint sub-issue: Problem getting your free annual credit report

This listed complaint ( XXXX ) was just closed and I have attached the Feedback. In the listed complaint I list out four ( 4 ) previous complaints previously filed on the same matter that Equifax refuse to address and for some reason they send non relevant emails that are suppose to contain a solution, but never contain anything relevant of worthwhile. 

The 5 total complaints are asking Equifax to allow us to download credit reports from XXXX XXXX XXXX, but when trying to download our reports using XXXX the process is blocked at Equifax. Where we are then told that a report can not be acquired or accessed from that portal. WE ( both my wife and I ) would instead need to mail in various pieces of personal data and they will then provide to report by mail. The question is why is the process for both my wife and I so different for the millions of other consumers who are only trying to gain the most accurate credit data that the creditors are allowed to see. We already know and it is well known at the CFPB and by others that there are different reporting in place at Equifax concerning consumer credit reporting. We have also asked in those complaints to be able to use the PAID Equifax XXXX accounts, which we are also restricted from using. So when asking WHY these restrictions are in place that prevent us from seeing what the lenders and banks see, they refuse to answer those questions.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

From Macys Furniture on my Macys American Express card. Original purchase of XXXX XXXX XXXX XXXX XXXX set including Queen size bed, nightstand and dresser. Sales check # XXXX for a total of {$2100.00} on XX/XX/2021. On XX/XX/XXXX, Macys had XXXX of XXXX sale on this bedroom set and the price was adjusted to {$1300.00} for the queen bed, nightstand and dresser plus tax and s/h. Currently Macys is charging me {$790.00} for a dresser {$1200.00} for a bed, and {$920.00} for a chest which I did not receive. Furniture delivered Around XX/XX/XXXX. I have spent hours on the phone with Macys and each time they have assured me that this situation was resolved. I just received my new Macys statement and they are still overcharging me by {$1500.00}. I just spent another 45 doing a chat and he then dropped my chat.
Complaint sub-issue: Debt was paid

In XXXX XXXX, I learned from the IRS that my XXXX Income Tax return had been confiscated in the amount of {$1000.00} by a debt collection agency - ECMC working with Premiere Credit in XXXX, Indiana. Prior to this event, I had not been contacted by either agency, ECMC or Premiere Credit. After learning of this event, I contacted ECMC/Premiere and asked for proof of the debt, when the debt was submitted, and who submitted the debt. 

I was informed by ECMC/Premiere Credit that the debt was submitted to them by XXXX XXXX in XXXX XXXX with total outstanding balance of {$17000.00}. I immediately contacted XXXX XXXX Default Recovery Department and it was confirmed by XXXX that no information had been submitted to ECMC for collection and in fact, XXXX does not use that agency for their collection process. 

In XXXX XXXX, I worked with XXXX XXXX Recovery to settle the same debt in which ECMC/Premiere Credit is attempting to collect, based on the information ECMC/Premiere Credit supplied to me. A letter regarding the settlement of the account with XXXX was submitted to ECMC/Premiere Credit. ECMC/Premiere Credit immediately discounted my letter and my  contention that XXXX denies submitting a debt claim to their agency/ My concern, and complaint is that ECMC/Premiere Credit never attempted to contact me, via phone or mail, regarding this alleged debt prior to taking punitive actions. Upon being informed by me that the debt had been settled in XXXX XXXX, I was immediately threatened with a garnishment as their next recourse of action. 

It is my contention that this debt is not owed and the proof ECMC/Premiere Credit provided is a duplicate of a debt that was previously settled with XXXX XXXX Recovery Department in XXXX. XXXX Recover can verify that the debt was settled and satisfied within their recovery process. In addition, XXXX denies submitting any debt owed or information to ECMC/Premiere Credit for collection on their behalf.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XX/XX/2022 - I recieved my credit report and noticed XXXX inquiries that I do not recognize. I did not fill not applications for these companies to check my credit. I have a security alert on my credit and was not notified about these companies pulling my credit. I have highlighted the companies and attached my most recent consumer credit report. The company names are : XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX, XXXX.
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/22 to XXXX, XXXX, and LexisNexis to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any item or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Reference XXXX : XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reference # : XXXX
Complaint sub-issue: Account status incorrect

My name is  XXXX   XXXX  I have a mortgage with  XXXX   XXXX   Loan  #  XXXX .  Property Address :   XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX . I have recently completed a trial period loan modification and my account has never been past due even prior to me going in to the trial period plan.   According to FHA 's servicing guide servicers are not supposed to report you as being past due if you were current going into the trial period plan. However  XXXX  continues to report me as delinquent. They reported me as being 90 days past due in  XXXX  and 60 days past due in  XXXX . This despite a letter I received from them in  XXXX  apologizing for any past discrepancies and promising to correct my credit report. They suppressed reporting for  XXXX   XXXX   XXXX   XXXX  but then started erroneously reporting again in  XXXX . This has been going on since  XXXX   XXXX . How many times can a servicer wrongly submit info before it becomes negligent and should be punished.
Complaint sub-issue: Information belongs to someone else

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
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 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 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
Complaint sub-issue: Trouble with how payments are being handled

I get loans and every time a stipend comes they " the school '' have a problem giving it to me. It will take over the 14 days and I always have paperwork that needs to be filled out. I do n't understand why, and also when I call the school they tell me that one of my advisers do n't work there or the other do n't take phone calls. Then they keep telling me that I 'm not getting a refund or they tell me that they need to review it. They get their money and no review is needed. Also i 'm being charged for 2 classes and am taking just one class. I am not getting my refund like they say. When I call I have to talk to people who answer phones, not my advisers. And they give me the run around and are very rude. But it 's my money and I work hard for it.
Complaint sub-issue: Debt is not yours

ERC XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Account number XXXX Recent balance {$410.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$410.00} past due as of XXXX XXXX THIS IS NOT MY ACCOUNT AND SHOULD NOT BE ON MY CREDIT REPORT TO BEGIN WITH. ERC IS AGGRESSIVELY ATTEMPTING TO COLLECT THIS DEBT THAT I DON'T OWE AND DOES NOT BELONG TO BE IN FIRST PLACE. I CONTACTED THEM SEVERAL TIMES WITH NO LACK, RESPONCE THEY PROVIDED ZERO VALIDATION OF THIS ACCOUNT, I ALSO CONTACTED XXXX WHO DID NOT FIND AND PAST DU EACCOUNTS IN MY NAME AND UNDER MY SOCIAL #. I COMPLAINT WITH BUREAUS WHO STATE THAT ERC HAS VALIDATED THIS ACCOUNT. ERC IS CALLING MY WORK, MY PARENTS HOUSE AND THREATENING TO ARREST ME OR LIEN MY HOUSE IF I DIDN'T PAY THIS AMOUNT IMMEDIATELY, THIS SHOULD NOT BE ALLOWED!!! PLEASE HELP
Complaint sub-issue: Investigation took more than 30 days

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REOPRTING ON MY CREDIT REPOTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIONGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INTIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax refused to allow me to obtain my credit report through XXXX. Equifax refused to explain why I can not use the online method to receive said report made the consumer wait 14 day to send said report via regular mail. After receiving said report I tried to dispute inaccurate information via telephone. Equifax demanded I provide a telephone and email address to file a dispute then sent a text link via mobile phone and said the consumer had to upload a copy of their driver license and social security card via unsecured mobile lines to dispute inaccuracies on credit report. No where in the FRCA act does it say consumer must download person information i.e. drivers license and social security card via mobile telephone to dispute inaccuracies. Equifax is illegally requiring consumer to turn over private and sensitive data via mobile phone without guarantee security and the mobile telephones are not tracking and keeping this sensitive information. In addition telling consumer it's a requirement to dispute inaccuracies via telephone. I want CFBP to investigate this illegal practice of demanding consumers upload personal information to dispute inaccuracies on credit files and how many consumers has been impacted or denied the opportunities to file dispute via telephone. I want CFBP to enact and enforce laws stopping this illegal practice of demanding consumers risk security of releasing personal information to mobile telephone companies to dispute inaccuracies on credit report and hold Equifax accountable for this illegal practice.
Complaint sub-issue: Can't close your account

Both of my parents died in XXXX. They were Citibank customers for decades and had XXXX checking accounts and a savings account at the time of their deaths. I called the bank and was forwarded to the estates department where I was told what papers to submit to be able to close the accounts and collect the remaining funds. 
Closing the checking accounts was not an issue but, 4 months after submitting my paperwork, the savings account is still open and I havent been able to collect the money held in it. 
I sent the first package containing the death certificates, proof of executorship, etc. in XXXX ( XXXX ) via certified mail. It was received on XX/XX/XXXX and I have the return receipt to prove it. After hearing nothing for XXXX weeks, I called and was told the packet was lost and Id have to submit it again. The second time I faxed it and was told the information had been entered into the system by XX/XX/XXXX and it would take XXXX weeks to receive a check. Its been almost XXXX weeks and no check has arrived. 
This is maddening! I have no complaint against the representatives who answer the phone. The problem is structural. The phone reps are polite but powerless to do anything. They keep saying the back office is behind and they dont know when the check will be written. Asking to speak to a supervisor or someone from the back office gets me nowhere. Apparently, they dont talk directly to the public.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

I HAD RECIVED A COLLECTION NOTICE DATED XX/XX/2018 FROM XXXX XXXX XXXX XXXX, FOR THE AMOUNT OF {$1200.00} AND IS OFFERING A HALF PRICE TO SETTLE WITH THEM. 

I DO NOT RECONIZED SUCH OUTSTANDING DEBT. 

WHEN I CALLED THE COLLECTOR, A LADY FROM XXXX PICK UP FROM THE OTHER END KNOWS MY NAME AND STARS TO ASK PERSONAL DATA FROM ME. AFTER I CONFRONTED HER I DO NOT RECOGNIZE SUCH ACCUSATION AND THAT I WILL ALSO MAKE A COMPLAINT TO FDCPA, THE LADY THEN CHANGE HER STORY AND JUST HUNG UP.
Complaint sub-issue: Reporting company used your report improperly

This Complaint was completed by XXXX XXXX XXXX The Consumer no third party etc involved. I XXXX XXXX The " CONSUMER NATURAL PERSON '' under 15 USC 1692 a ( 3 ) The term consumer means any natural person. These companies stated that they do not have to follow any of the TILA, FDCPA, FCRA, or USC, UCC, FAR, regulations codes and laws. These companies committed Identity theft, misleading and unfair practices, harassment and abuse I never gave them or any company written consent to exchange, give, report or falsely 15 USC1692 j furnish any deceptive reports or forms. I was denied a home, vehicle transportation to get to work, unable to receive services, and turned down a job offer due to defamation of character due to their inaccurate reporting and false reporting I have severe injury. They have also sold my information to other 3rd party companies and branches without my written consent as well. I the Consumer XXXX XXXX Natural person advise that XXXX, XXXX, and Equifax, XXXX out all accounts on the or in the credit file or consumer report whatever their specific terminology proceeds as I advise the company to follow such instructions or pay remedy at {$1000.00} per minute on every account that is not corrected by my instructions and kept on my consumer report paid in good standing.

15 USC 6821 Privacy protection for customer information 15 USC 1692 f Unfair Practices 15 USC 1692 e False and misleading information
Complaint sub-issue: Problem with balance transfer

I received an offer from XXXX XXXX XXXX of a balance transfer request with a zero percent APR. I accepted this offer from XXXX and requested a balance transfer from two credit cards on XX/XX/2022 : first amount was for {$400.00} from XXXX XXXX XXXX credit card ( ending in XXXX ), and second amount was for {$1000.00} from Upgrade , Inc. credit card ( ending in XXXX ). The problem is with the Upgrade , IncXXXX credit card. XXXX has completed the transfer from both credit cards, but the balance is still shown on the Upgrade , Inc. credit account. I tried reaching out to Upgrade , IncXXXX on XX/XX/2022 to ask why the balance was still showing on my account and informed them that the balance was showing on the XXXX account. The balance transfer request from XXXX asked for the address of the Credit Card Company for XXXXpgrade, so I submitted the only address that was shown on their home page, which was XXXX XXXX XXXX, XXXX XXXX, CA XXXX. When I told this to the customer representative at Upgrade, they said " XXXX XXXX? '' I informed him that this was the only address shown on their website. Another statement majically appeared on their home page a few days later ( underneath the XXXX XXXX address, stating : Not for payments, address can be found here. I was also told by this representative that since the payment from XXXX was sent to the Corporate address, that it may take up to three weeks to reach the correct address. The next payment on this credit card is due XX/XX/XXXX and I was hoping this transfer would be processed before this date so I could close this card before another automatic draft comes out of my account.
Complaint sub-issue: Didn't receive notice of right to dispute

Having gotten furniture with an ex significant other, the relationship did not last. All payments were made on time up until the split. When the split happened i was the on who moved out and my ex kept the furniture. 
I contacted the company after this ordeal and informed them to come get their product as i was no longer going to be in need of it. I gave Conns the address and contact info for my ex. 
They did not go collect product nor attempt to contact the other involved. 
They continued to bill me and sent contract into collections where they made some sketchy changes to the payments made/received on my account before sending to collections. Odd payment amounts for interest bearing and longevity. not professional. 
the fact they did not contact me or the ex to set up time to retrieve product and continued to charge/bill is bad business practice.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I rented a car with XXXX rental car on promotion as a traveling XXXX worker the promotion was 400.00 for a total of 493.00 I had the car for 2 months after doing a extension it equal out the I had it for 2 months and like 4 days. The car was returned in brand new condition with a full tank of gas. The company charged my card for over 3500.00 and submitted falsified information to discover as my total shouldve been about 1175.00 at my daily rate per my signed contract that I thankfully took a picture of I have sent a complaint over to the XXXX and they agreed to take off about 1000.00 which is still a inflated price as they over charged without giving me my discount that I agreed upon. Discover has closed my account as i refused to pay those inflated rates that not what I signed for. My credit score plummeted and I have a bad outlook now because of it. Discover has refused to accept my signed contract and faxes stating they dont see it on the attached photo.
Complaint sub-issue: Account status incorrect

After reviewing my credit with XXXX, XXXX and XXXX XXXX I noticed the following : XX/XX/2021 my credit report shows Conn 's reported my account 30 days late. The account was paid off on XX/XX/2021, before the due date. The due date for payments were on the XXXX of every month. 
I have disputed this with the credit agencies and Conns mailed a letter to my residence stating clearly stating no errors have been located on their end ( letter attached ). 
I made a second attempt to Conn 's providing documentation of the account being paid off and according to the FCRA & FDCPA I exercised my lawful right to question validity of this debt and requested any negative inaccurate item ( s ) be removed within 30 days. 
Conn 's mailed a letter stating conflicting information from the first notice I received. 
The account was not 30days late.
Complaint sub-issue: Reporting company used your report improperly

I am a victim of the Equifax hack of 2017 where mishandling of my sensitive information and lack of proper security have led to my information being leaked to the public.