Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I contacted Equifax regarding 13 unauthorized hard inquiries I found on my report and asked them to take action to get these inquiries removed from their records and to erase any record of the inquiries with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue. It has been well over 45 days and not 1 hard inquiry has been removed. They are not cooperating ad it's getting really frustrating because these hard inquiries are affecting me. The hard inquiries listed and all unauthorized.XXXX  XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX. XXXX XXXX Inquiry : XXXX XXXX, XXXX. XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. XXXX XXXX Inquiry : XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX  XXXX  Inquiry : XXXX XXXX, XXXX. THE XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. XXXX XXXX Inquiry : XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Complaint sub-issue: Frequent or repeated calls

Discover calls me at least five and up to six times every single day for three months now They have changed the number they use to contact me multiple times so multiple numbers have been spam calling me and harassing me on the daily The numbers they have been literally harassing me with are ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX I am evidently a student as I have a student credit card, so they are XXXX calling me during times that are evidently inconvenient for me My voicemail is filled because of all of the voicemails they leave and I can not receive important phone calls because they spam call me This is literal harassment because they call me on multiple numbers, multiple times a day which is very illegal to do when collecting debt under the Fair Debt Collection Act
Complaint sub-issue: Sent card you never applied for

Somebody tried to put a credit card in my name I did not apply for the credit card and it is now on my credit bureau and affecting my credit score it is called first progress and several other credit companies have inquired about my credit and I did not authorize this to happen
Complaint sub-issue: Account information incorrect

Equifax and XXXX should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Complaint sub-issue: Problem getting your free annual credit report

I requested thru AnnualCreditReport.com my yearly FREE credit report on Equifax TWICE and NEVER received my FREE Report. When I was able to get an Equifax report by paying for a service elsewhere, then several times I tried to " Dispute Equifax '' on the Equifax website. Their " Dispute Equifax '' form opened up ( XXXX XXXX XXXX ) but unless you had a 10-Digit complaint number, The website form would never connect and it would get you no-where.
Complaint sub-issue: Billing dispute for services

Graduated and walked with graduating class at graduation and then received a letter a week later informing me of a mistake! Stating the school had me pay for and take a class unnecessarily taken to graduate! That I also still needed one other class to graduate and receive the degree I was told I had already completed requirements mandatory to complete! Was unable to return until the following semester to complete needed class and by that time I was informed I need 3x the amount I had previously needed! Never received degree and all the money and time that I spent my time putting into obtaining it!
Complaint sub-issue: Deposits and withdrawals

My attorney yet again recommended me to do this. I have been dealing with this company since XXXX XXXX. XXXX which was a dispute for an XXXX XXXX transaction on XXXX XXXX in the amount of {$380.00} that was taken from my card. So I contacted Albert via text and they said Hi, we reviewed the transaction issue you reported. The transaction was authorized at the time it was initiated, so it is not eligible for credit from Albert. Please work directly with the merchant to resolve the issue. Let us know if you have any further questions.

So after that I told them they cant limit the disputes. I requested for their legal team information but they refused.

So days later I file a XXXX  complaint against Albert and submitted a screenshot of the response I got from XXXX which XXXX said Based on the details you provided we recommended you to contact your financial institution and initiate a chargeback. 

We can not do anything once funds are taken from your card. Even if it is Unauthorized or the funds do not properly transfer. 

We are sorry we couldnt be more of assistance to you. 


Yet still after that Albert even refused through XXXX.

So now were up to this point t where Im filing this complaint in hopes to have Albert reimburse these funds that were removed.

There are many banking regulations they must follow and if after this complaint they dont give me a right to file my dispute and end up having my dispute to be rejected in a sense of time frame then they should know this complaint and as well the XXXX  complaint and all correspondence I had with them will be used in court when I give my attorney they green light to proceed further with litigation which not only will Albert have to give back my funds but they will be paying me back court fees, attorney fees and as well any damages that me occur even if that is on a financial level.
Complaint sub-issue: Personal information incorrect

date XX/XX/2020 inaccurate address : XXXX XXXX XXXX XXXX, XXXX, IL XXXX accurate address for that date to present is on report : XXXX XXXX XXXX, XXXX XXXX NY XXXX
Complaint sub-issue: Trouble with how payments are being handled

I have no contacted Nelnet twice about my loans. I went back to school in XXXX of this year, but have continued to make monthly payments. I select the accounts I want to pay towards, however my payments do not appear applied correctly. I understood that interest was suspended during COVID, but I continue to be charged interest on some accounts. When I access an account, the interest is not reflective of what I have been charged. The entire account and payment profile is confusing and not straight forward. When I call, I am unable to receive an explanation and/or answers to my questions.
Complaint sub-issue: Talked to a third-party about your debt

On XX/XX/2023, LJ Ross and Associates contacted a family member of mine on their home phone after repeatedly calling them for the past couple of weeks. When calling my relative, they asked their name and proceeded to tell them it was an attempt to collect a debt. After she told them that she was not myself ( they stated my name and asked if she was me ), they proceeded to tell her the company the collection was for and the exact dollar amount of the collection. She told them that she was not the person whose name was on the debt nor has she ever lived in the city or state they are collecting for. 

LJ Ross and Associates has never contacted me via my phone number or address to validate the debt that they are collecting.
Complaint sub-issue: Debt was paid

Grant & Weber inc Keeps trying to collect a debt from XXXX XXXX. I dont have any debt with this facility. Upon trying to reach out I determined the establishment is closed. The third party is attempting to collect a fraudulent debt.
Complaint sub-issue: Account status incorrect

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, KS XXXX ( XXXX ) XXXX I have disputed this collection account on numerous accusations with the debt collector as well as the 3 major Credit Bureaus, XXXX, Equifax, and XXXX. On XX/XX/2010, I sent in documentation to the 3 bureaus above explaining that the information that this company is reporting on my credit is inaccurate. This debt collector is insisting that the information is valid and reports as it is verified as accurate. 

On XXXX The first inaccuracy is the ACCOUNT NUMBER This company is reporting my account number as XXXX. How can this be a valid account number, if it is missing digits? 

The second inaccuracy is the Account Type. This company is reporting that this is an Open Account. How can a CLOSED COLLECTION account be an open account? That is not possible. 

The next inaccuracy is the PAST DUE AMOUNT. This company is reporting that there is a past due amount owed on a collection account. How can you report a past due on a collection account? 

This company is reporting this INACCURATE information to all 3 Credit Bureaus. 

I know I have rights and I feel that this company is violating them.
Complaint sub-issue: Information belongs to someone else

Having an issue with this XXXX XXXX XXXX XXXX Act. # XXXX on my credit profile. I have sent over multiple documents stating that the account doesnt belong to me & proof showing that the account is fraudulent. However I havent gotten any paperwork with my signature on it. After requesting numerous times. Please help me! This account should be blocked & removed from my credit report for it is inaccurate & its preventing me from progressing in my life.
Complaint sub-issue: Account status incorrect

Equifax is incorrectly reporting that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Problem with personal statement of dispute

I've been trying to fix my credit for the last couple of years I think I've been doing a good job about it now this suggestions that I get from XXXX XXXX is try to get loans every time I tried I don't succeed I also tries to apply for a credit card with low interest and to merge all my credit cards and pay a lower payment a month.and still get denied. Now I get punished for the next 2 years because that was considered a hard inquiry. My XXXX XXXX was XXXX when I started repairing it and now it's XXXX but everytime i try to do good you keep dragging me down. Likes it's impossible to get a head. 
Thank you XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Dear Sir or madam, I am looking for validation and verification of the alleged debt attached. I have tried to resolve this with the company and they have not helped me.
Complaint sub-issue: Debt was result of identity theft

I received a letter from Enhanced recovery services on XX/XX/22. 
A while back I mailed in a cease and desist they removed the debt from my consumer report. 
Fast forward back to XX/XX/22 I received a letter from ERC which they have a XXXX Enhanced Recovery company. 
So, I done my research on this fraudulent corporation and come to find out ENHANCED RECOVERY COMPANY can not collect a debt in Arkansas due to not being licensed for this state. 
This corporation is also in violation due to me not ever doing any business with this entity. 
This is a thirty-party attempting to collect a debt for their own personal reasons. I am currently going through arbitration with XXXX and the alleged debt is not mine. 
This corporation has violated my privacy. 
This corporation has ruined my reputation by reporting such information on my Consumer report. I've been denied left and right for my own credit due to this corporation. 
This is also identity theft due to not having my person to obtain my information and or contact me for this alleged debt.
Complaint sub-issue: Account status incorrect

On XX/XX/2020 my vehicle loan with XXXX XXXX XXXX was paid off in full, after the loan was paid off. XXXX XXXX XXXX decided in bad faith to charge off without any balance the loan and immediately reporting to XXXX, Equifax and XXXX  the Charge off. 
On XX/XX/2020 I contacted XXXX XXXX XXXX of this discrepancy and told them the account has been paid in full, to please correct the information. On XX/XX/2020 they reported on the credit bureaus the loan as paid in full/Charge off which is still false information because it is paid in full the was no amount charged off. 
On XX/XX/2020 XXXX XXXX XXXX again put false information on my file again they put the Charge off again in the amount of {$12000.00}. When they were paid {$12000.00} on XX/XX/2020. 
Another false reporting on my credit file is the date of the last payment was XX/XX/2020 when it was actually XX/XX/2020. 
The damage the was done I applied for a loan and was denied because of XXXX XXXX XXXX misrepresentation reported to the bureaus.
Complaint sub-issue: Reporting company used your report improperly

I have been informed that my personal data was compromised by the Equifax breach in the summer of 2017. I assert that this breach was a combination of the lack of proper security controls ( initial breach ), the lack of sufficient security response ( duration of breach ), and the lack of transparency ( duration between knowledge of breach and notification of potentially impacted individuals ). While I have yet to  verify any loss, I will now incur charges due to putting in place credit freezes, credit monitoring, and am exposed to the potential of income tax fraud.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act ( Account, XXXX XXXX  Account # XXXX ) 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: Information belongs to someone else

Ive been disputing information with Equifax for the past three months its coming back stating the accounts are found to be mine but Ive never opened a account with XXXX XXXX or had a XXXX vacuum from them. Ive got the police report as well as the FTC report now they are wanting affidavit thats notarized. This is such a inconvenience on my end with trying to apply for new things this is in the way of me having good credit as well. Jobs have turned me down from all this there is also inquires that XXXX has removed but Equifax has not. I need this information fixed as soon as possible.
Complaint sub-issue: Sent card you never applied for

I went to my local Best Buy store to purchase a tv. I found what I was looking for and I ask the associate to help me with the transaction and use my existing credit card to pay. Because I did not have my credit card handy, I asked him to pull my credit card using my social security and DL. While in the middle of the transaction, he asked me to validate my address and asked me to enter my income. It was wired, and I did ask why income was asked, and he stated it is normal. No disclosure was handed to me, and I did not doubt that he was applying additional credit card. He said it done, and he need to scan the item. I asked what was he doing all the time, and he said he was making sure I was approved. I stated that I did not ask to apply for credit card, I asked to use my existing card. He said, this should affect my credit and because they are not running my credit report. I stated that that is not the case, and I told him I did not need additional credit card, and he stated that he did not see the existing credit card the first time. But I did not give him permission to apply a new credit card. He said I can keep it, it wont affect my credit history. I told him I need to be removed, he handed a phone number and stated that to call Citibank and speak to them. I called not once but twice to complain what happened, and they all blamed me as it is my fault. How is possible that I get blamed, when I dont see the person applying credit card behind a screen that is not visible to me. I ask this credit card to be removed from credit report kindly.
Complaint sub-issue: Trouble with how payments are handled

Hello, I still have issues with complaint number XXXX. Now I received a statement from FedLoan Servicing stating the forbearance period is expiring and my next payment is over {$400.00} due XX/XX/XXXX! The whole point of this complaint was because I needed lower payments per month, not to be put in forbearance and they receive such a big bill I can not afford. Instead, they put me in forbearance and now I get hit with such a huge payment at once?? I still have no resolution on getting a lower payment per month and can not afford a payment of over {$400.00}. 




Please help?!?
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 

I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 

If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. 

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
Complaint sub-issue: Information belongs to someone else

I AM A VICTIM OF ID THEFT. I HAVE ENCLOSED ALL DOCUMENTS NECESSARY TO HAVE ALL ITEMS LISTED BE IMMEDIATELY BLOCKED PURSUANT THE FCRA
Complaint sub-issue: Their investigation did not fix an error on your report

I HAVE ACCOUNTS THAT I HAVE REPORTED AS FRAUD TO BE REMOVED FROM MY CREDIT REPORTS I WOULD LIKE THESE ACCOUNTS REMOVED IMMEDIATLY.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

I noticed a fraudulent charge on my Direct Express debit card last week on XX/XX/XXXX for {$4.00}. That card is where my Social Security payment is deposited each month. The store where the charge was made is one I knew I hadn't visited in about 6 months & my debit card has NEVER been out of my possession. So I knew it was fraudulent. I called the customer service number on the back of my Direct Express debit card & stayed on hold for way over an hour but finally got through & reported the charge. I asked whether the card should be canceled & was told that since the fraudulent charge was still pendingI needed to wait until it went through. A few days later, after this month 's SS payment was deposited on the XXXX, I got a low balance alert from Direct Express on the same day & discovered that someone had charged {$860.00} to my card in XXXX, AL, which is about 4 hours from where I live. The charge was made at a XXXX XXXX store. I was at the doctor 's office getting tests but within an hour was back home & began calling to report the fraudulent charge. I stayed on hold over & over again, only to get a recording saying they were experiencing heavy call volume & disconnected. Finally after almost two hours of calling & being on hold, I managed to reach customer service & reported the fraud. The rep canceled my card & I paid {$13.00} for expedited shipping of a new one. This was on Tuesday XX/XX/XXXX. I received the card today, Thursday XX/XX/XXXX & stayed on hold almost 90 minutes to get it activated. That agent told me to hold while he transferred me to " Level Two '' and I was on hold for an additional hour and 10 minutes. When I finally reached customer service, that person was incredibly rude, basically accused me of misusing the card myself and told me they would " try '' to get my money back but it would take 45 days. I was so upset I was having XXXX XXXX. I thought I had protection against fraud & that my money would be at least provisionally added back to my card while they investigated. But no. I am appalled that the SSA is using this shady outfit & recommending it to seniors like me who mostly live on a fixed income. This is a disaster for me. I've had some unexpected medical & other expenses recently & have literally no money now to pay my bills this month or even buy food. When I XXXX  the Direct Express card, I found dozens of horror stories identical to mine, of people being on hold for hours & hours, disconnected due to heavy call volume, unable to recover the money fraudulently charged to their debit card ... many people reported never getting their funds back at all. How are they getting away with this? I learned through XXXX that there is or has been a Class Action suit against Direct Express because of these incredible practices.
Complaint sub-issue: Frequent or repeated calls

I believe I am late on a payment with Home Depot - handled through Citi. So, about 35 days delinquent. I was called twice yesterday ( XXXX/XXXX/2015 ) and today ( XXXX/XXXX/2015 ) already 4 times on my mobile ( XXXX XXXX ) Call from ( XXXX ) XXXX XXXXCall from ( XXXX ) XXXX XXXXCall from ( XXXX ) XXXX XXXXCall from ( XXXX ) XXXX XXXXThis is excessive and abusive to call so much in one day. not once was a message left. i did not give them permission to call my mobile number.