Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

My information was compromised via data breech. Someone got a hold of my information and tried to apply for an auto Loan. Car loan and credit cards. These inquiries are due to Fraud. I have spoke to XXXX Equifax and XXXX  about this issue but they refuse to fix it. I should not be held liable for identity thief information. I am seeking your assistance in having the credit bureaus remove these information. 
XXXX XXXX Ran XX/XX/2018 XXXX/XXXX Ran XX/XX/2018 XXXX XXXX XXXX Ran XX/XX/2018 XXXX XXXX Ran XX/XX/2018 XXXX Ran XX/XX/2018 2018
Complaint sub-issue: Information belongs to someone else

{$15000.00} XX/XX/2020 ( around ) My Wife/I originally did business with this company and took out a personal loan, that I paid off in full. I never applied nor requested a second loan. 

My Spouse, later reapplied with the company, on her own. However, Lendingclub took It upon themselves to use previous loan information including me in the loan, without my consent, After we both contacted the company to tell them this was not the case, the person told us that it was too late the loan was funded in both of our names, every chance to correct the problem, was shot down.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX COLLECTION, XXXX XXXX, XXXX, EQUIFAX, XXXX, AND CREDIT REPORTING BUREAUS ARE ALL REPORTING FRAUDULENT CHECKING AND A CREDIT CARD IN MY GOOD NAME. 
I NEVER AUTHORIZED ANYONE TO OPEN THESE ACCOUNTS. 
I DON'T HAVE ANY KNOWLEDGE OF THESE ACCOUNTS REPORTING IN MY NAME. 
I HAVE DISPUTED WITH THESE COMPANIES WITH NO RESPONSE, AS WELL AS REPORTED THIS TO THE FEDERAL TRADE COMMISSION.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

To Whoever It May Concern XXXX Received Check from merchant as a full refund. Called Citi Disputes dept. and asked a supervisor to withdraw the dispute. 

The supervisor did not withdraw the dispute. I did not see the transaction reversed in my transaction list. 

On XXXX I made numerous calls to CitiBank to confirm that. The first supervisor confirmed the dispute was not withdrawn on XXXX. 

Next supervisor gave some different story stating the merchant sent Citi paperwork on XXXX. 

The next supervisor XXXX said something different, he said dispute was withdrawn on XXXX, but the merchant received the money back on XXXX because on XXXX XXXX the merchant responded with paperwork. And apparently the bank sent me all the paperwork via email, which I never received. This all information from XXXX was completely misleading and false. 

What happened in between all these phone calls, one of these supervisors noticed that the first supervisor from XXXX actually failed to withdraw the dispute, so he/she sneaked into my account and quietly withdrew the dispute on XXXX. 

When I went online on XXXX I noticed it says the merchant responded on XXXX and the dispute was withdrawn on XXXX ( strangely a date in future because XXXX comes after XXXX ). 

I called Citi again and the supervisor said the dispute was actually withdrawn on XXXX XX/XX/2022, not on XXXX. 

I withdrew the dispute on XXXX primarily because I received a check in full amount from the merchant 's corporate office ( and I don't double dip because I am not a thief ). However, on XXXX my bank account says the merchant has placed a stop on the check, and I don't know why. As a result, my bank has also charged me a {$20.00} fee for a returned check. 

If I find out that the reason for the refund check getting stopped by the merchant due to the CitiBank dispute not being withdrawn at the right time, make no mistake I will bring a lawsuit against CitiBank in the small claims court for the amount of XXXX + {$20.00} check reversal fee + court costs + interest + punitive damages as applicable under the law. 

Technically most people here will complain about the service standards only, but I won't do that because .... I must say I don't trust your executive department either because last time when I raised a concern about a suspicious phone call, I received from a Citi branch one of your XXXX  executive team members called me, I asked her to call me back because I was on another call, she refused to call me back. I could never find out what happened to that suspicious phone call I reported. That's the standard of your executive staff member, so I can only imagine how far this issue can go. I am sick and tired of your call center people giving misleading contradictory information all the time and not doing their job on time... I like most of your customers would accept your XXXX  phone operator service at most times, but I am not going to sit back and lose money for their disservice.
Complaint sub-issue: Information belongs to someone else

I have reviewed my credit report and have found several inquires that I did not authorize. i understand that anything on my report needs to be authorized by me to report otherwise it is identity theft.
Complaint sub-issue: Reporting company used your report improperly

Equifax has divulged my information to hackers through their poor security. I used their website to verify whether or not my information may or may not have been compromised. The results of the investigation is that my personal information may impacted.
DATE : XX/XX/2017
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have about six accounts that were charged off in late XXXX, early XXXX. These accounts were closed and sent to collections and debt collection law firms. In XXXX, XXXX, I settled and paid all of these accounts. My credit payment history for the last year and a half has been perfect. 

While trying to apply for a mortgage to secure housing for me and my family, a tri-merge credit report from XXXX XXXX was obtained. Those six accounts which all have the status of " closed '', in fact two years ago, are showing current reporting status of " late payments ''. There was not an option to pay the creditor directly, as I was working with the debt collectors. 

However, I created credit monitoring accounts with XXXX, XXXX and Equifax to monitor the progress of my credit finally being cleared up. 

On each of my personal accounts with those three reporting agencies, it does not show the late payments, in particular in the 12 months. It does show they were closed and listed as collections. So, how can there be this difference between the tri-merge report from XXXX XXXX and the viewing of my credit reports from these three agencies. A credit report monitoring account has cost me money. 

I have denied a mortgage loan, because it is a federally guaranteed loan ( Section 184 for Native Americans ), the guidelines are strict, I know how it works, I work for XXXX XXXX  XXXX - XXXX XXXX  myself. 

How can the reports differ? How can I get this cleared up? In my opinion, reporting late on closed accounts that were sent to collections years ago is punitive. 

What to do?
Complaint sub-issue: Their investigation did not fix an error on your report

There was a collection account that was added to my credit report for a item that was included in a chapter XXXX bankruptcy, that should now be on my account and after I disputed it it still shows that it is accurate. the bankruptcy was filed in XXXX of XXXX an discharged in XXXX of XXXX and the original debt that they are putting on my credit record is from XXXX which was well before the bankruptcy
Complaint sub-issue: Account status incorrect

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.
Complaint sub-issue: Reporting company used your report improperly

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND XXXX 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 
Today on XX/XX/XXXX, I contacted XXXX via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Complaint sub-issue: Old information reappears or never goes away

In XX/XX/XXXX, a credit intervention letter was sent to Equifax in relation to derogatory item on my credits report. The first late payment was in XXXX and under the advice of a law firm, this account is past the statue of limitations. In addition to this, upon further investigation, I found that the co-signer on this account has assumed the responsibility and does not consider me liable. For these two reasons, I find that the information displayed on my report is inaccurate. I hope that there is a good faith understanding that I have confirmed this information both with XXXX XXXX and the co-signer. I have attempted to address this to the extent in which I am liable but I do not think it is fair at this point.
Complaint sub-issue: Report improperly shared by CRC

You and they have multiple reports on file concerning the continued abuse of the LAW. Businesses continue to respond to inquiries even though there is and has been fraud alerts on the file. Also even though they have been advised I do not want queries they resist and say tough! To date I have been advised I have over XXXX inquiries on my account!! All of this has caused me sever financial harm! My credit score is lower by a major number increasing my loan rates and terms! What good is the faade of a LAW?
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX/XXXX/XXXX Ally Financial XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX
Complaint sub-issue: Didn't receive notice of right to dispute

I.C. SYSTEM, INC XXXX XXXX XXXX XXXX XXXX, MN XXXX Has been sending me collection notices in the amount of {$100.00}. 
The collection has been reported as a past due balance. I do not know this company, I have never done any business with the company. I do not recognize this debt. 
This company does not have any contract with my signature
Complaint sub-issue: Their investigation did not fix an error on your report

Have written to XXXX, Equifax and XXXX 3 times in regards to XXXX XXXX   XXXX ( as well as several other issues on my credit report ). XXXX took over 2 months to reply. Have not received much communication from Equifax nor XXXX. IN regards to XXXX XXXX, above, this item was responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT was HIS responsibility as he was fully responsible for my medical bills until final divorce, which was XXXX XXXX, ( proof attached ). This operation was preformed XXXX XXXX. i was not employed then, nor am I currently. I was unable to pay the bill, it was sent to ( ex ) husband, who said he paid, yet did not. I was unfairly sent to collection. I would request this be DELETED from my credit report as it is INACCURATE
Complaint sub-issue: Debt is not yours

I made a purchase at The Home Depot at XXXX XXXX XXXX, XXXX Fl. on XX/XX/2019 and at the same time applied for a Credit Card. I made it clear that I was paying for the product with my Debit Card and was not charging anything on the credit card. I paid with my debit card and the cashier also put the same purchase on the credit card. I have called Home Depot corporate office, been to the store twice, called the credit department twice, written the credit department but to this day, The Home Depot will not remove the charge from the credit card. The purchase was for {$82.00} and now with late fees the balance on the card is {$150.00} and they continue to send me a bill in the mail.
Complaint sub-issue: Reporting company used your report improperly

Identity theft occurred because of my job through a breach of security with the Federal Government. Received a letter from OMB XXXX XXXXXXXX stating my ID along with other information had been compromised. Someone has been testing trying to get credit or some other use of my ID. I have tried to contact both the creditors & the credit Bureaus without any result. it has affected my credit score greatly. I have on several occasions sent letters to no avail to fix this problem. The bureaus refuse to help & say that has been verified. I would like to know how? Equifax, XXXX, XXXX will do nothing to help.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I was contacted by XXXX XX/XX/XXXX to look at my chimney for cleaning. When the representative came out on XX/XX/18 it was discussed what was needed and I signed a contract and gave payment in full prior to any work because they have been scammed in the past by customers not paying. The representative was suppose to come out 2 days later to do the job but did not show, I called the company and they reassured me someone would come out the next day. Again, no call no show. After multiple chances of the contractor not coming out, I called my credit card company Citi to dispute the charge and initially the removed the charge from my bill while they investigated. During the investigation they asked for documentation and even an estimate from another company which I had to pay for to show the work was not completed by the first contacted company, XXXX XXXX XXXX XXXX. XX/XX/XXXX, receive an email from Citi that my case is resolved and to reach out to the merchant to resolve. I called Citis disputes department and the representative tells me there is nothing for me to do and the investigators are working to retrieve funds from the merchant and that I should wait for 5-7 business days for resolution. I call Citi back on the XXXX of XXXX for the status on my dispute and they state its for me to contact the merchant for reimbursement and that it. I was totally shocked, the card I have used for millions of purchases threw the it on me to resolve with a company I can not contact and Im stuck with a {$1800.00} and my chimney still not fixed. Never use XXXX XXXX XXXX   XXXX/ XXXX XXXX  XXXX XXXX NY ( parent company ) because they are scammers. In addition, Citi Card is  terrible in customer service in resolving disputes, I have other cards and I have never been treated this way in resolving disputes. I will definitely cancel this card and would encourage to use any these businesses.
Complaint sub-issue: Account opened as a result of fraud

I received 3 email from Money Lion on Saturday evening that a checking account had been opened and a debit card had been ordered. I did not open an account with this bank. I tried to contact the bank but was unable to and could not close the account via the app or website.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent Equifax XXXX separate certified letters on XX/XX/2021 and XX/XX/2021 that were signed for and received on XX/XX/2021 and XX/XX/2021 ( and I have proof ) regarding the negative and incorrect reporting of a {$2400.00} charge off on my credit report regarding an account from XXXX XXXX. In my XXXX dispute letter I let them know they failed to comply with the law and they must now remove the item from my credit report, yet is still being reported. They have responded both times within XXXX  days but failed to provide me with copies of any documentation associated with this account, bearing my signature which is a violation of federal law. Therefor they were supposed to immediately delete that information off my credit report. I clearly also stated I did not consent to XXXXr or any other automated means of verification. Attached you will find proof of both of my letters sent via certified mail and proof of being signed for via certified mail receipt.
Complaint sub-issue: Reporting company used your report improperly

Good evening, Ive tried to settle my debt with XXXX XXXX XXXX to settle debt to improve my credit but instead of me being able to pay they informed me I no longer owed them they had sold my account to XXXX XXXXt, account number # XXXX. Also, the debt amount owed by XXXX XXXX XXXXXXXX XXXX and amount owed by XXXX XXXX  which is on my credit report are two different amounts. I did not receive any kind of notice nor give consent to share my personal information. On XXXX XXXX the Account name is named is XXXX XXXX XXXX and on XXXX XXXX XXXX  which is another inconsistency with my credit report. 

In accordance with fair credit reporting act XXXX  XXXX Account, account number # XXXX has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 


Thank you, XXXX XXXX XXXX
Complaint sub-issue: Threatened to sue you for very old debt

I tried contacted the collector after being overwhelmed with being harassed by them to settle debt. I gave them a offer they refuse it told me they would sue me and I had to start a payment plan and pay it in full. They have threatened me with interest if I was to not pay. The debt is very old I have been XXXX  for 5 years due to it. I am asking them to remove it and show me documentation where I agreed to pay interest if broke the lease also I was an XXXX XXXX XXXX at the time.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXX  XXXX XXXX Balance : {$19000.00} ; XXXX XXXX XXXX XXXX Balance : {$930.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$330.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} ; DXXXX XXXX XXXX XXXX XXXX : {$450.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Can you please remove inquiry
Complaint sub-issue: Credit inquiries on your report that you don't recognize

According with the Fair Credit Reporting this company has violated my rights.

section 15 USC 1681 section 602 A states I have the right for privacy.

15 USC section 604 A states it also states consumer reporting agency can not furnish account with out my written instruction. 

XXXX XXXX XXXX account XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX acct. # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XX/XX/XXXX and XX/XX/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: Don't agree with fees charged

In XXXX XXXXXXXX advised I had XXXX open accounts, XXXX accounts that ECMC claims they represent XXXX on XXXX represented by XXXX. Ecmc garnished wage w/out notification, said they mailed letter but had no proof, told me I was not eligible to contest garnishment at all, later found out I could contest but it would not have stopped the garnishment at that point. ECMC sent a breakdown of my XXXX loans to me. Shortly after contacting ombudsman and getting response in writing regarding ECMC 's XXXX debts, I received another letter from ECMC of my XXXX loans and this additional loan was now on my credit report and XXXX. How did this extra debt get added 5-6 years after I left school?
Complaint sub-issue: Threatened to sue on too old debt

Received a phone call from a man claiming to be in the same county as I. He said he had legal paperwork to deliver, and that I was being sued by a company called Northwind Associates for an unpaid debt from 4 years ago. I asked what the debt was and he told me I had to call the company. He gave me a case number and I called. The man who I spoke with asked me to confirm my identity by giving my date of birth. He had my correct address, phone number, and email address. He proceeded to tell me that the debt needed to be paid otherwise I 'd be required to go to court. He offered me a settlement of {$670.00}. I paid it. I had remembered taking out a payday loan, but now that I 've done my research ( too late but I was TERRIFIED of having a man stalk me to hand me court paperwork and be sent to court or jail! ) I 've found that Northwind Associates is a scam company and they 're not legitimate at all. 

I just gave birth XXXX months early to a baby boy XXXX until XXXX, if not later. These people contacted me XXXX. I lost my job due to going into XXXX. I can no longer work because I 'm on maternity leave and once my leave is up, the XXXX is over ( I worked at a XXXX ). The income of relied on to save up and be able to buy my baby his necessities for life has disappeared due to giving birth XXXX. And then these jerks come along and scam me?! Now I 'm out {$670.00} and with our XXXX income completely gone ( my husband is military so we have that ) and a baby in the hospital over XXXX, we 've been cheated and done wrong. I am so heartbroken and sick over this.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX