Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Old information reappears or never goes away

A few weeks ago i checked my credit score, and accounts via   XXXX   XXXX  , i had disputed some accounts that should have been removed from my Equifax Credit report, Equifax removed following accounts :   XXXX / XXXX ,   XXXX   XXXX   and  a second   XXXX   XXXX   account, about 10 days later when i check my score those accounts were added back to my credit report without notifying me at all. this is clearly an violation. I called Equifax, but they would not help me with this issue  . 15. U.S. Code 1681i FCRA 611 ( a ) ( 5 ) ( B ) ( ii ) Notice to consumer, if any information that has been deleted froma consumers file pursuant to subparagraph ( A ) is reinserted in the file, the Consumer reporting Agency shall notify the consumer of the reinsertion in writing no later than 5 business days after the reinsertion, or, if authorized by the consumer by any other means available to the agency.
I was not notified in any kind of way that those accounts were reinserted or why. those 5 days have long passed
Complaint sub-issue: Debt is not yours

This company is continuing to report a false, erroneous account on my credit reports for years now. I notified this company on several occasions that this was not a correct debt and requested that they contact the original creditor to get the matter sorted. They did not. Instead, they continued to report this information on my credit reports and ignore all of the letters I sent to them. Each month they continue to update this incorrect information on my credit reports.In addition, they are NOT even licensed to collect or conduct business in the state of Connecticut, where I reside, and have resided for over 20 years. Yet they are claiming to be attempting to collect a debt from FL. After reading the thousands and thousands of complaints about this organization, I am not one bit surprised. They need to remove this incorrect information from my credit reports once and for all!!!!
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX I filed dispute with XXXX  and Equifax that collection agency XXXX XXXX XXXX ( XXXX ) with account number XXXX {$3400.00} is not my account and failed to send me validation and they refuse to removed collection from my account that was not opened by me. However XXXX  deleted the item from my credit report back on XX/XX/XXXX. I will like to have negative item removed from my report and I also attach a document showing XXXX deleted the account.
Complaint sub-issue: Problem with customer service

It all started in XXXX XXXX. I had been paying my student loans on timely since XXXX, I had never missed a payment. I had not missed a payment because I had my student loan setup through XXXX as an automatic reoccurring payment. Sometime in XXXX I logged in through my AES account and saw that I could save an additional .25 % on my loan if I setup the automatic debit through AES. That XXXX I went ahead and tried setting up the automatic debit. As to not pay the loan twice in one month, I cancelled my reoccurring payments through XXXX. The payment was not accepted in XXXX. When I got the email alert I called and spoke with AES customer service. They told me to try again, that there must have been an error. I set this up again and tried again the following month. The same thing happened, some sort of error. Again I called AES and they told me the same thing, to try again, to make sure the account numbers were correct and to try for the next month. I specifically asked if I needed to make a payment, I also asked if there would be a penalty and both questions were answered with a no. Finally I believe in the third month we linked the accounts. Before the success, I spoke with AES on the phone about 4-5 times, every time I was assured that my account was in good standing. After the first automatic debit I logged into my AES account, and I noticed that instead of my rate dropping .25 %, it had increased by over 1 full percentage point. I was horrified. I called AES and they told me I was part of a benefit borrowers program for paying timely. I lost that benefit when I missed a payment. I told them my story, specifically asking them to listen to the recorded conversations I had with their agents. I have not missed a payment since. My husband and I exchanged an email after getting off the phone with AES telling each other that we were, as per the agent, in good standing with no penalties? This email exchange is time stamped from XX/XX/XXXX. When I sent an email to AES, they said I could not talk to the lending bank, that I could only send an email with my concerns. I tried on two occasions, both times I was not awarded my original fixed rate. I feel like I was setup. I had a great fixed rate of 3.5 % and was trying to reduce this to 3.25 %, instead I was setup, told misinformation from their representatives all while trying to link my account and instead ended up with a 4.75 % rate and with the awarded .25 % for the automatic debit I am now at a fixed 4.5 %.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX is reporting late payments for the months of XXXX, XXXX & XXXX XXXX when in fact the payments were made as agreed. 

Here is a summary of the documentation and reason for dispute. 

In XXXX of XXXX I contacted XXXX XXXX to refinance my home but could not because our home value is still too low and I was advised to contact the Home Preservation Dept about a modification to reduce the interest rate. I began working with the representative of XXXX who approved a trial period of 3 months which would lead to an interest rate reduction. 

I received a payment agreement on XXXX XXXX XXXX with an arrangement of 3 payments of {$2600.00} for the months of XXXX, XXXX & XXXX XXXX. Upon completion a loan modification would be completed. Complete copy of the Mortgage Trial Plan Notice Document included. 

For the months of XXXX, XXXX & XXXX of XXXX payments were phoned in as directed and on time. A copy of the account payment history has been included in the file. Also included in the file is a copy of personal bank statements to substantiate the payments made on time. 

Payments for the trial period were made on time and the modification to rate reduction was approved. Its worth noting that we have never been late on our payment and would not have qualified for the modification had we missed a payment during the process. 

Because the payments for XXXX, XXXX & XXXX XXXX were set by XXXX XXXX that is the amount paid. Therefore there is no justification to consider any payments late. 

When I found out about the late payment reporting in XXXX XXXX I contacted XXXX XXXX customer service. They reviewed my information but informed me they were reporting the payment history correctly. I made several attempts at several levels since XXXX to resolve this issue but have been told the payments made in XXXX, XXXX & XXXX dont count because they were not the amount on my original note even though it was the payment they established for the trial period of the modification. 

The last representative I spoke to insisted to me the dated XXXX XXXX, XXXX stated that they would report my payments late. We went over this document together but she was unable to point out to me where it stated that making the agreed payments to the trial period would result in a 30 day late payment to the credit bureaus. 

Because it was never explicitly disclosed that making the trial period payment as set forth by the mortgage company would in turn cause a late payment, the late payment history should be removed from my personal credit report. 

Please remove the late payments being reported to my credit report for the months of XXXX, XXXX & XXXX XXXX Thank you for your time and consideration in resolving this error XXXX XXXX
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. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 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 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: Account status incorrect

XXXX reported 5 late payments on seven accounts with a total of 35 payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, even though I was in Administrative Forbearance from XX/XX/XXXX, to XX/XX/XXXX. 

I have submitted multiple disputes with a copy of the letter, and they keep denying my correction approval stating I'm not submitting any information.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I received notification through a credit monitoring service that I had a past due balance of {$70.00} for a medical appointment several months prior. At no point in time did I receive notification ( written or verbal ) from either the medical office involved or the collections agency. The debt collector fraudulently reported the total amount owed as 4 separate past due balances totaling {$70.00} to the credit bureau, seriously affecting my creditmoreso than one derogatory mark. Since I first discovered the debt through my credit monitoring service, I should not be expected to have paid earlier, nor penalized with derogatory marks. Upon discovering it, I did verify it, and paid it as soon as possible. The CFPB needs to step in here to prevent this company from fraudulently and viciously trashing my credit, and reach out to XXXX to remove these marks ASAP.
Complaint sub-issue: Can't stop withdrawals from your account

Moneylion has been constantly withdrawing money from my account! I spoke with a fraud department representative for Moneylion on XX/XX/XXXX and after talking for almost XXXX hrs we were told that my Moneylion account would be frozen and suspended while the investigation is launched, meaning no transactions or anything can be done with my account. At the end of the call with the fraud department, I was told that I would receive a case number in my email for my account investigation, I even have a voicemail that was left on my mobile device confirming that the case number would be sent to my email. Here I am today with no case number, and no representative answering the fraud department line even after being on hold for over XXXX. 
I first noticed my Moneylion account was breached on XX/XX/XXXX after receiving notifications of unauthorized transactions being processed from my primary bank account through Moneylion. Also, on XX/XX/XXXX there was another big breach into my account after noticing more unauthorized transactions being processed, these transactions totaled more than {$1500.00}! Today XX/XX/XXXX I have had a total of over {$2500.00} withdrawn from my primary external bank account for Moneylion payments and deposits even after reporting this account to the fraud department.

I havent used my Moneylion account in over 6 months in XXXX since I began working my new position with the United States Postal service, so it was mind blowing that so many transactions as well as loans and withdrawals from my external bank account was being processed by Moneylion. I CAN NOT GET THEM TO STOP TAKING MY MONEY and it is getting in the way of my real bills and paycheck deposits. Im seeking help in this case because this company obviously doesnt care about the claims and complaints from customers. THIS IS NOT ME USING THIS MONEYLION ACCOUNT and I refuse to keep losing money over a careless company! I will be taking all steps necessary to pursue legal actions against this company in hopes to stop the fraud and to receive my hard earned money back. 
( I also have photos of all the unauthorized transactions Moneylion have processed in less than a month totaling more than {$2500.00} )
Complaint sub-issue: Information belongs to someone else

This happen in XX/XX/XXXX I notice in XXXX theres was inaccurate accounts on my credit report. So I spoke with a representative at equifax it was a supervisor I spoke with they told me to get a police report or a ftc report about the fraudulent accounts that was showing on m credit report. So I provided equifax with a ftc report sent it by mail they received it they told me the ftc was invalid that they couldnt process it because I didnt have the fraudulent account number on the report. Equifax have been sending me on a goose chase I call them they lie like one representative told me she was gne have the fraudulent accounts removed and I feel like I been a victim of fraud for three years and it seem to me I provided Equifax proof of a Ftc report which is what the head person of Equifax told me to do and they still not helping me with this matter okay so since they want me to provide a valid ftc report which the representative told me to do if I want to get those fraudulent accounts thats on my credit report removed I have print out a ftc report with the account number of the fraudulent accounts and Im attached a copy of my photo Id lets see what the problem is now I will like those fraudulent accounts to be removed from my credit report immediately a supervisor from Equifax said provided them with a valid Ftc report and make sure I add the account numbers from the fraudulent accounts that are showing on my credit report and once I do that they will removed them so please remove those accounts from my credit report and I also fax in this Ftc report on XX/XX/XXXX and this time its valid with the account number so yall shouldnt have any problems getting these removed thank you
Complaint sub-issue: Old information reappears or never goes away

On XX/XX/XXXX I sent a dispute letter to XXXX XXXX XXXX XXXX for a account that is {$0.00} and was open XX/XX/XXXX to come off my credit report. The letter was returned mail. So I sent Equifax on XX/XX/XXXX a returned mail letter stating that the address they use to report on my credit report is false information and should be delete off my credit report. They send me a update of the address but the old address is still the same on my credit report.
Complaint sub-issue: Information belongs to someone else

I was denied a loan and received a copy of my credit report. I realized I was a victim of identity theft so I contacted the police department. I disputed the information with the credit bureaus but they refuse to remove the items even though I have received letters from the creditors stating it was a mistake and will be removed.
Complaint sub-issue: Debt is not yours

XXXX XXXX XXXX in XXXX Florida could not provide me accurate information to verify I was the individual that obtained the debt they had showcased on my three credit reports. With that being said, ERC has removed the debt ( XXXX Phone Bill ) from my XXXX credit report but has yet to remove it from my XXXX and XXXX. Every time I try to call ERC, I am transferred to a handful of different departments and then place on hold because no one seems to want to help me.
Complaint sub-issue: Debt is not yours

I received a collections account mark on my credit report by a company XXXX XXXX XXXX  They claimed that I owed a debt by XXXX  from years ago. I did not owe this debt. I filed a complaint to have it removed from my credit report. It was removed, about a week after it was removed another company by the name of AFNI is now trying to collect on the same exact debt that I had just disputed. I do not owe this money and I 'm not sure why its allowed to be transferred when I already proved it was not mine. I would like it removed from my credit report and I want this company to stop trying to collect.
Complaint sub-issue: Other problem

Hello, I am writing to file a complaint against Discover credit card company.

I have been a Discover card member holder since at least XXXX, XXXX. My account has always been in good standing with Discover over the years. Just recently, on XX/XX/XXXX, I made a payment of {$8000.00} on my account.

In recent weeks, my family and I have been negatively impacted by COVID-19 like all Americans have. During this time of uncertainty, it was peace of mind knowing that we had some available credit for emergencies ( grocery, doctor visits etc. ). Suddenly, Discover decided to run a check resulting in my credit line being lowered significantly from {$11000.00} to {$7900.00}. This leaves me with {$200.00} available credit and this has also negatively impacted my credit score and reports across the board. 

It is so unprofessional to be taking this kind of action during this crisis. XXXX, my credit score may have taken a short-term 'hit ' due to the circumstances we are currently in, but just like everything else, it will bounce back once we recover. In the meantime, I ask at the very LEAST to not lower my available credit leaving my family with hardly any safety net. It is a scary and shocking action that was taken. I spent 30 minutes on the phone with a Discover CS agent on Monday, XX/XX/XXXX. She was unable to revert the change and sited a contractual agreement. I am certain that my 'contractual agreement ' does not include a worldwide crisis and how customers should be treated during this time. 

Thank you for your time, Concerned customer
Complaint sub-issue: Information belongs to someone else

I have an account and personal account information on my account that isnt mine. Ive tried to dispute it- I have even had it removed, paid to have it removed and its back on two out of three credit reports. I am on my second social security number because of ID theft and another person with same name And birthday in a different state- her info has shown up on my report for YEARS! I also can not contact the XXXX XXXX which Im trying to dispute. Because i cant confirm the adress and ssn. Doesnt match up with mine.
Complaint sub-issue: Information belongs to someone else

My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX {$7400.00} XXXX XXXX {$3100.00} XXXX XXXX XXXX {$2100.00} XXXX  XXXX {$110000.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$350.00} XXXX XXXX   XXXX {$1700.00}
Complaint sub-issue: Account status incorrect

I have five closed accounts in which is reporting derogatory on my report. it is closed but they report my account as late and i have made on time payments and they don't accurately note when i was supposedly late. XXXX forced borrowers in payment options that caused borrowers to fall behind and those issues get reported as late on the credit report. i have notified " Equifax '' of this problem but they ignored it and refused to correct the problem
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX XXXX and under the penalty of perjury I attest that all facts to be stated are true. Predatory credit reporting agency equifax refuses to follow my written instruction for the permissible purpose of the credit report and FILE that this company is furnishing on me which violates 15 USC 1681b ( 2 ) which states " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I have submitted written instructions to equifax on a number of occasions over the last year and this company refuses to abide by federal law and remove the fraudulent and inaccurate personal information, accounts and inquiries which stemmed from identity theft. I have reported this identity theft and misuse of my information by all the major credit reporting agencies including XXXX, XXXX, and XXXX as well as all the issuers of the fraudulent reported accounts. Equifax has also failed on a number of occasions to share with me how they have been able to validate these alleged debts that they are reporting on my credit file. What personal interviews did they conduct? What system did they use to validate the debt? Did they submit a form or use electronic means? What was the name and contact information of the people they spoke with to validate the debt? This is fraud and totally violates the fair credit reporting act. The fraudulent inquiries that appear on my account are a clear display of how equifax is violating my consumer rights by selling and sharing my personal information and credit file with third parties that I did not initiate or authorize. Can equifax explain why these companies were able to access my credit file without my prior consent? This is a blatant act of identity theft which is punishable by law both civilly and criminally. Furthermore, the FCRA was created for the purpose of enforcing credit reporting agencies to report accurate and fair information and equifax is doing the complete opposite. I have attached a 3-credit bureau report which clearly shows that experian, equifax, and transunion are all reporting different, inaccurate, and fraudulent information on all 3 credit files pertaining to the same consumer, accounts, and inquiries. This is illegal! This is theft! This is punishable by law and will be pursued in a court of law if these unauthorized accounts are not immediately blocked and removed, if authorized accounts are not updated with accurate payment history, incorrect personal information should be deleted immediately, and inquiries are not removed upon the receipt of this complaint. Please see all attached documents to support my complaint. I have faxed this information to equifax but have yet to receive a response. Please find all proof attached below.
Complaint sub-issue: Account status incorrect

I closed this account and it is still showing open and reporting to credit bureau as open. This account is closed because they kept lowering my credit limit using false information.
Complaint sub-issue: Their investigation did not fix an error on your report

Regardless of the multiple written requests, the public record listed below is still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with ( XXXX, EQUIFAX, XXXX ), they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the public records below. 

( Bankruptcy chapter XXXX-discharged Filed Date XX/XX/2012 XXXX )