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

I am been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. I will also file with the CFPB and FTC! This is unacceptable!
Complaint sub-issue: Card was charged for something you did not purchase with the card

This started in XX/XX/XXXX when Sears alerted me to high value charges. Since then there has been multiple communication with Sears Credit Card Fraud Department since this date both in writing and over the phone including Today. Sears Cred Card Company currently claims I owe over {$3800.00} in fraudulent charges to them that I never made and have reported this to the credit bureaus even though according to my records Sears Credit Card Company owes me money since I have paid off everything that I charged to the account. They are trying to claim these charges are mine when the paperwork that they sent to me from XXXX showed an XXXX XXXX made these purchases and was shipping them to my address but was taking the packages off of my porch prior to me getting home since this XXXX XXXX knew I am gone at least 10 - 11 hours a day. This XXXX XXXX and not me is the one responsible for these charges. Despite alerting me to these fraudulent charges, Sears Credit Card Company was doing nothing but giving me the run around by saying different things such as the investigation is still open then it is closed then it is still open. Sears Credit Card Company has failed to give me a detailed explanation as to why I am responsible for  these charges when an XXXX XXXX made these purchases and swiping the items from my porch area prior to me getting home. I was not aware of these charges until after Sears notified me. Starting prior to this time period and up until XX/XX/XXXX, when this XXXX XXXX was shot to death due to him stealing from a XXXX in XXXX, AZ, he has a long history of theft. XXXX XXXX took advantage of my kindness, took my credit card number and wrote it down, possibly while I was asleep since I am hard of hearing and do not always have my hearing aides on, and recorded this information on his XXXX, XXXX, and XXXX accounts. Sears has failed to remove these fraudulent charges and is trying to get me to pay the $ 3800+ balance and reporting this information to the credit bureaus when it is clearly evident this XXXX XXXX was the one who made the purchases. I expect Sears Credit Card Company to remove these fraudulent charges from my account along with paying me back the money that I have overpaid to them. I have included what is my charges and the amount that I paid. Everything is not me.
Complaint sub-issue: Problem when attempting to purchase vehicle at the end of the lease

On XX/XX/XXXX, I contacted XXXX XXXX to inquire about paying off my lease. I was advised that they would be able to asisst me and we scheduled an appointment for XX/XX/XXXX. On XX/XX/XXXX, i was advised via text message that i would have to get the car inspected for safety reasons. I was not advised of any fees associated with this inspection. Upon my arrival at the dealership, my car was taken back for the inspection. A while later, i was given the final payoff amount which included a {$990.00} dealer fee, and a {$190.00} inspection fee. These fees were never disclosed to me prior to my appointment. I informed the representative and the general manager that these should not be charged as they were not legal nor in my lease contract. The dealer would not budge and refused to waive the fees. After going back and forth for a while, the general manager refused to complete the transaction and I was asked to leave. According to the federal consumer lease act, the only fees that may be charges on the backend are fees disclosed in the original lease agreement. In my contract, it states there will be a {$390.00} disposition fee. No other fees are indicated. I contacted two other XXXX dealers in the area and both indicated that there would be no dealer fees charges. One dealer even indicated that they would not complete the buyout due to the fact they could not legally charge such fees.
Complaint sub-issue: Problem getting my free annual report

I have been a victim of identity theft. I requested my free report from www.annualcreditreport.com but was denied as they said I had requested one in the last 30 days which I have not. I need a copy in order to determine if any other accounts have been opened in my name illegally.
Complaint sub-issue: Information belongs to someone else

ID theft victim, unknown acct, police report filed
Complaint sub-issue: Information belongs to someone else

As I was checking my credit report I have noticed I had 31 hard inquires filed on my credit report that I have not applied for. My info was used multiple times for things I haven't applied for on my XXXX and XXXX  credit report. 
Here 's a list of inquiries that were used under my name and was not from me. Victim of identity theft. 
************************************* 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 XX/XX/XXXX 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  XX/XX/XXXX 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX All inquiries were listed more than once none of these were sent over by me
Complaint sub-issue: Keep getting calls about my loan

Sallie Mae, I have received upwards of XXXX calls per day from Sallie Mae through automated call systems despite explaining my situation and conditions to Sallie Mae. These phone calls are harassing and threatening the viability of my cell number. I ca n't leave my phone on and may miss important calls due to this harassment.
Complaint sub-issue: Attempted to collect wrong amount

I paid a debt that was not verified. I just needed be removed from my credit. I never received a letter from Procollect showing a breakdown of the charges. The apartment community was under new management Each time I called and tried to express the reason why the debt was invalid, the representative stated that they would update my report with a refusal to pay. This was incorrect. I have documents noting the apartment was experiencing heating issues. 

Now that I have paid they have refuesed to deleted the debt as promised. Their responses are always different 1 ) We have reported it to the credit Bureaus, contact them for their timeline 2 ) I must wait 90 days for the debt to be removed from my credit. This is unreasonable. If you are instantly able to report a refusal to pay, you should be able to remove the debt in a more timely fashion Additionally, I have contacted the Credit Bureaus, they have repeatedly stated that you have not responded to their dispute letter. I believe your tactics are not in accordance with the Fair Credit Reporting practices
Complaint sub-issue: Information belongs to someone else

They are continuously reporting fraudulant accounts on my credit report and I'm about tired of it this was reported to my local police station and according to FTC should be blocked from showing on my credit profile because this doesn't belong to me
Complaint sub-issue: Didn't receive terms that were advertised

Continued CFPB case NO.XXXX Participated in Second Quater Promotion of Citi Bank in XX/XX/XXXX. Citi Bank refused to credit the bonus and required a W-8 form from me. I sent a W-8 form on XX/XX/XXXX and was declined due to missing information. On XX/XX/XXXX, A staff of Citi bank from New York contacted me directly regarding my case and asked me to send the W-8 form as well as a supplement form of W-8 form to him directly. I sent out the package on XXXX XXXX by XXXX ( tracking number : XXXX ). It was delivered on XX/XX/XXXX, I try to call the number provided on the letter : XXXX ( XXXX XXXX ) several times on a different date. It seems Mr.XXXX is with the clients or out of the office every time. Today is XX/XX/XXXX and I called Citi bank earlier today. Citi Bank started a review of my account and asked about my parents ' information. NOTHING ABOUT MY BONUS BACK TO XX/XX/XXXX. I try to chat with a representative and he said nothing was updated so far.
Complaint sub-issue: Their investigation did not fix an error on your report

Hi, I am writing this complaint because I recently looked at my credit report and seen accounts that I have no recollection of. I tried contacting the credit reporting agencies about these errors but nothing is being done and no proof is being shown about the validity of these accounts. I know there are credit reporting act procedures that should be taken when identifying inaccurate accounts of someone's credit report, specifically Section 611 in the FCRA where I have the right to request the method of verification. Also Section 607 in the FCRA that states all accounts should report as accurate as possible. The date last active and the date of last payment do not match. Please investigate and delete the accounts I have listed that do not represent verifiable accuracy. Thank You.
Complaint sub-issue: Trouble with how payments are handled

I 've been paying {$400.00} to great lakes higher education to assist my son, XXXX XXXX, in paying his student loan. I 've made XXXX $ 400 monthly payments since XXXX 2016 thru my XXXX XXXX XXXX online bill pay account. XXXX XXXX XXXX has sent the funs electronically to Great Lakes after we provided an account number. The XXXX payment was never credited to my sons account. After multiple inquiries, Great Lakes told my son that they ca n't credit XXXX payment because it was sent to wrong address - even tho the funds were sent electronically. Great lakes was selected from XXXX website list of payees - there is no address or Great Lakes account to select or that could be selected incorrectly. Furthermore, great lakes says it will take 30-45 days to return the money. I canceled the XXXX payment on XXXX XXXX XXXX website but it was paid anyway ( I have no documentation that I canceled it, but remember doing so ). XXXX XXXX XXXX has made feeble attempts at solving issue, even though it appears they paid wrong account. XXXX XXXX XXXX essentially made one phone call in which great lakes refused to speak with them without me. I was never contacted to be on that call, but I 'm not even the loan account holder. I would like immediate return of XXXX and XXXX {$400.00} payments - {$800.00} total. And I would like some action taken that prevents companies from Great Lakes and XXXX XXXX XXXX from this fraudulent activity - namely, Great Lakes for taking my money and holding onto it for an unreasonable ( and probably illegal ) amount of time ; and XXXX XXXX XXXX for not restoring funds to my account after they incorrectly paid a payee. 

thank you XXXX XXXX
Complaint sub-issue: Information belongs to someone else

This credit card has nothing to do with me. Never asked for have or used this credit card. Not mine. Yet they say its been verified. NOT. I HAVE NO IDEA WHAT THIS BANK IS. AND HAVE NEVER received ANY information or card from them
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX, XXXX, XXXX and Equifax continues to report in accurate information on my credit report and refuses to correct the problems and conduct a proper investigation. Please review the screen shots from my most current XXXX report ( not a third party ) That shows my account status is Closed. I have also included the email thread from XXXX XXXX Who is a Sr. Level manager in the customer advocacy department . Who refuses to fix the problem despite the screen shots that clearly show the account status closed. They are reporting the account in XXXX and Equifax as being late when they should be reporting current and they are reporting the accounts 90 days past due when the account was suppose to be in approved forbearance. This company and the credit reporting agency have failed to do proper investigation and correct the my reports, despite my disputes. Even the president of the company was emailed about the problems and totally ignored my emails. Problems with this company have been reported to the state attorney generals office, CFPB and XXXX  and no one will listen or fix the problem.
Complaint sub-issue: Was not notified of investigation status or results

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g
Complaint sub-issue: Transaction was not authorized

My son was cyber hacked some how and charges started showing up on his credit cards and when we got those to stop the hit his bank account several times for thousands of dollars over the next week and a half
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX Balance : {$180.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$8800.00} XXXX XXXX XXXX XXXX : {$4900.00} XXXX XXXX XXXX Balance XXXX {$4300.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX Balance : {$6200.00} XXXX XXXX XXXX Balance : {$8500.00} XXXX XXXX XXXX Balance : {$6200.00} XXXX XXXX XXXX : {$150.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXXXXXX XXXX XXXX : {$380.00} XXXX XXXXXXXX Balance XXXX {$0.00}
Complaint sub-issue: Threatened or suggested your credit would be damaged

Hello, I am having issues with the company ProCollect ( XXXX. XXXX XXXX XXXX, TX XXXX ) regarding an alleged debt from an apartment complex I moved out of on XX/XX/XXXX. In XX/XX/XXXX I received a call from ProCollect claiming that I owe {$820.00} stemming from a supposedly outstanding balance from XXXX XXXX XXXX XXXX XXXX XXXX, TX. Upon moving out from the aforementioned complex, I confirmed with the Lessor that my balance was paid in full. I was not contacted until almost 6 months later regarding the alleged debt. Since that time, I have submitted written & verbal requests that collection attempts be ceased based on my dispute of the alleged debt 's validity. I was instructed by the company to send proof via email, which I did. However, I received a letter today stating that my credit, ability to obtain employment, purchase a car or home, or qualify for further apartment rental may be " significantly '' affected if I do not remit payment to the collection agency. In my estimation, the continued attempts to collect after verbal & written demands to cease & desist have been made stands in violation of my rights under the FDCPA. This company appears to be incredibly unscrupulous and has continued to harass me via phone calls from various phone numbers with repeated calls, despite my formal request to cease collection attempts.
Complaint sub-issue: Reporting company used your report improperly

Equifax have violated my consumer rights by violating my right to privacy. 
Per 15 USC 1681b prior to the release of my personal information my written consent is needed, which I didn't not provide to them. 

Also, according to The Gramm-Leach-Bliley Act, any and all financial institutes are prohibited from disclosing personal information to third parties.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I purchased 3 mattresses with XXXX XXXX in XXXX Texas for {$1200.00} on XX/XX/XXXX. I just finished making last payment of {$100.00}. When I finished paying XXXX XXXX, the total amount ended up being {$2500.00} ( which is totally outrageous ). Never received any emails or calls from the until today. I got a phone call onXX/XX/XXXX and then a email followed shortly, stating that my account was past due and they had attempted to contact me several times. In the email, it also stated that if a payment was returned the fee would be XXXX and I will definitely admit to my account was overdrawn from XXXX. But logging on to to the website and speaking with two different Reps with Acima they started I was being charged XXXX since my payment was returned and that since my payment was due on XX/XX/XXXXXXXX. I was being charged XXXX and that I had 4 days to pay that amount before my credit would be affected. I do n't think it 's fair that they are able to overcharge me for the returned payment which I planned on taking care if but the extra fees on top of I paid XXXX extra ... .please help me.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I contacted the creditor, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.
Complaint sub-issue: Investigation took more than 30 days

Since I have disputed all of and any payments, agreements, wet ink signature, balances and debts of false info no response of lawful investigation.
Also There is recorded conversation call that supports the no lawful proof of verification claim by the Equifax rep.
Account #  XXXX ,   XXXX   XXXX    XXXX  Dates provided upon request my phone number and Email listed.
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX XXXX. My identity was compromised and used to open a credit account at Conn 's Home Plus through Conn 's Credit Corporation ( collectively, " Conn 's '' ). When I received notification that there was a past due account under my name in excess {$9000.00}, I immediately contacted Conn 's to notify them that this was identity theft and I disputed the charges. I also filed a FTC identity theft report. Conn 's initially responded with a letter from XXXX XXXX, Fraud Investigator for Conn 's Credit Corporation, requesting a sworn affidavit along with other supporting documentation, which I provided. Ever since then I have not been able to establish any communication with Ms. XXXX or anyone at Conn 's to confirm that they have taken any action to close the fraudulent account or remove adverse information reported to the credit bureaus. I have tried all means of communication including phone calls, e-mails, and finally a letter to Conn 's dated XX/XX/2020. To date my messages and communications have been ignored and I am unable to resolve this problem, or even establish communication with anyone at Conn 's who can address my problem.
Complaint sub-issue: Investigation took more than 30 days

Hello. Last month I disputed some accounts that were on my credit report to all the credit reporting agencies. The accounts disputed were very old. They were all more than seven years old. The letters I used to dispute these accounts were sent out to the bureaus on XX/XX/XXXX. We are on XX/XX/XXXX and I haven't received a response from any of the three bureaus. Don't get me wrong, I know we are living in a CO-VID 19 world, but I would have assumed at least one of the credit bureaus would have responded by now. I even checked my credit monitoring account to see if any changes have been made and my responses somehow got lost in the mail. Nothing has changed or updated. 

Considering I am still getting letters from several other companies leads me to believe that its not a mail problem but the credit bureaus not doing what they are supposed to be doing. Can you please help me in having the credit bureaus remove these accounts from my report and actually send me something to show me they did the work?
Complaint sub-issue: Their investigation did not fix an error on your report

My credit report with Equifax has not been updated since XX/XX/2018. This has caused me to be unable to apply for loans and have been unable to receive a decrease in insurance premiums. I have submitted my concerns to Equifax on numerous occasions ; the being in XX/XX/XXXX. They have only replied to me that I ha e multiple credit files that they are unable to merge. They further stated, in writing, they can not merge them due to the amount of data in each file. 
I have attached to this complaint my documentation to support my efforts to resolve this issue.
Complaint sub-issue: Other problem getting your report or credit score

Due to the pandemic, the public is entitled to free WEEKLY credit reports from Equifax, XXXX, and XXXX. At the site recommended by the CFPB, XXXX XXXX XXXX, I am unable to obtain an Equifax credit report online. This is due to the " security questions '' that are posed -- Equifax must have erroneous answers to some of these questions. This forces me to request my credit reports through the mail, and I send my requests certified with return receipt due to the confidential nature of the request form 's contents. This costs {$7.00}. I am at risk for identity theft due to a transgression by XXXX, and I need to request my credit reports frequently. 

On XX/XX/2021 I sent ( via certified, return receipt mail ) a complaint letter to Equifax concerning this matter, as my pandemic budget did not originally include {$7.00} every time I want to check my credit report. Equifax never acknowledged the screening question issue, instead sending two copies of my credit report that I'd requested previously through certified, return receipt mail. This did not solve the problem of the company 's online screening questions having erroneous answers and serving as a barrier. I am still stuck having to pay {$7.00} to obtain what I should be able to get online for free.