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

On  XX/XX/XXXX     I checked my credit report and noticed an address addition and a charge off debt which are not mine! I put a fraud alert to all credit reports. I contacted the company that sent the charged off debt  XXXX   XXXX , they stated that they sent the information to Equifax but it was for a different  XXXX   XXXX  and Equifax put the information of that person on my report it was supposed to go to a different  XXXX   XXXX  who also lives in  XXXX . I contacted Equifax over  20  times yesterday trying to solve this issue I even did a dispute on line. I do n't feel I should have to wait 30 days to get this resolved since it was Equifax, employee incompetence. They left me on hold and never came back to help me with my issue and now I have to send them information to prove its not me when they should do the research. The consumer that the information should go on is  XXXX   (  with  one  L )  XXXX  who lives at  XXXX   XXXX   XXXX   XXXX   ,   XXXX  MA  XXXX  they need to  contact   XXXX  XX/XX/XXXX  and  XXXX   XXXX  and verify also check social security numbers  two  different people. Remove from my Credit Report I will file a lawsuit.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I don't recognize this inquiries, i never applied for this. I believe that i was victim of Identity Theft, somebody used my personal information and applied for this companies.
Complaint sub-issue: Account information incorrect

My account was paid in full. I have been unable to get this removed or updated on my credit report. I was told that it would be removed. That has yet to happen and its been over a month. They also have told the credit bureau that the account is reported accurately and thats not the case. I spoke with XXXX XXXX and paid in full on XX/XX/18. As of today theres still a balance showing.
Complaint sub-issue: Trouble with how payments are handled

I am the cosigner parent of a loan with XXXX XXXX XXXX XX/XX/XXXX. Loan agreement terms ended XX/XX/XXXX. Payments began XX/XX/XXXX to current. XX/XX/XXXX I requested consideration for cosigner release. Request denied for insufficient payments. 48 are required. XX/XX/XXXX I applied again. Request denied for forbearance applied. I submitted proof to AES of all payments from XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and 18 month pay history for XX/XX/XXXX. I sent all these bank statements which has only my name on the account and a copy of my loan agreement that i signed in XXXX with XXXX. No one requested a forebearance. I made the payments from my account. I identified my daughter had worked while attending college all of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and current. The forebearance could not apply in this case. AES forwarded a account transaction summary showing 3 cosigner payments applied in XX/XX/XXXX, 4 cosigner payments in XX/XX/XXXX, 10 cosigner payments in XX/XX/XXXX. I handled these transactions from my account to ensure AES would receive payments while my daughter was building steady employment history. The payments came from one account, all. Checks. My contract with XXXX was sold to AES in XX/XX/XXXX. My contract does not say loan servicing agency reserves the rights to misleading cosigner release advertising.. Close to XXXX has been credited to this account. I asked how can I accomplish cosigner release benefits. The account transaction summary was the reply. This must me illegal to apply payments this way without terms and conditions consent from AES to us to agree or decline. I found out the loan was sold when AES falsely denied my request for release. I spoke to a local XXXX branch about this. I learned that XXXX does not make cosigner release decisions because the loans were sold. The AES representative told me XXXX decides because I challenged the incorrect forebearance denial & payment schedule denial. I 'm concerned both myself and daughter will be a financial hostage to AES. I forwarded my appeal to the VP of Compliance and VP of Loan Operations. The account transaction summary was the answer. I need a referral for consumer protection. Please advise. Thank you. 
XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have tried to gain immediate information from Equifax about the data breach. Their toll free number does not work and when I inserted my name and last 6 of my SS they a message says " you are liked impacted '' by this event! 
Where are the regulators for this, I am at work and ca n't hunt this down. 

Please help the consumer! 

Sincerely, US citizen
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not a treat a payment on a credit card account under an open end consumer credit plan as later for any purpose.
Complaint sub-issue: Information belongs to someone else

I have notified all 3 credit reporting bureaus of my formal dispute of the same account appearing on my reports 10 different times totaling {$570000.00}. These accounts do not belong to me. I notified XXXX XXXXXXXX 3 different time through signature required service receipts separately attached. Disputes were sent on XX/XX/2016, XX/XX/2016, XX/XX/2016 all requesting for required verification and supporting documentation under the rule and guidelines of both the FDCPA and the FCRA. All 3 times XXXX  XXXX violated Federal law. Further none of the information meets the required standard of Section 609 ( a ) ( 1 ) : Information to be disclosed. Advisory opinion to XXXX XXXX stating, " In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide " accurate '' ( and perhaps not " clear '' ) disclosure of " all information '' in the file ''.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX Last reported XX/XX/2021 {$480.00} Open balance XXXX Original creditor Is not my account. I have no knowledge of this account please remove.
Complaint sub-issue: Account opened as a result of fraud

A Key Bank employee opened accounts and a prepaid card in my name. I was notified by mail on XX/XX/2021, that an account and card existed under my name. It notified me that there were recurring payments on the card in question. I want the accounts and cards at their bank closed immediately as they are the result of fraud at their bank. I would prefer someone contact me to confirm they were closed.
Complaint sub-issue: Debt was result of identity theft

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. This account was already PAID. I am no longer indebted to this company or its practices. Please investigate and remove it from my personal credit file. Thank you.
Complaint sub-issue: Information belongs to someone else

The following accounts were added to my credit report fraudulently and I've never given consent to even run my credit. I need these accounts removed immediately. 

1 ) XXXX XXXX ( XXXX XXXX ) {$1100.00} 2 ) XXXX XXXX XXXX XXXX ( XXXX )
Complaint sub-issue: Problem getting your free annual credit report

On XXXX I mailed Equifax a dispute letter with all IDs included. No reponse? I attempt to get an Equifax annual credit report, impossible. 

I contact Equifax, I am told to fax a letter with all my IDs and explanation. I do exactly that, and I call Equifax, I am told that everything is fine and an Equifax report is being mailed. 

I receive a letter from Equifax saying I need to send IDs again to get my Equifax report? 

My XXXX year old daughter, XXXX XXXX, is reported as primary name on MyEquifax account? 

I again submit electronically a dispute letter XX/XX/2020. Still, nothing is fixed?
Complaint sub-issue: Reporting company used your report improperly

accordance with the Fair Credit Reporting act XXXX  Account # XXXX for XXXX XXXX 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 my written instructions
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I purchased two items using Klarna, I was unhappy with both items as they were not as described, however unused. I was told by Klarna and the seller I would be responsible for shipping costs. Upon shipment, I took videos of me shipping the item after hearing multiple stories of poor Klarna experiences. I wanted to ensure I received my refund. I shipped these items in early XXXX, waiting for the seller to receive them. They unfortunately got lost in the mail and the items have not updated through tracking for over a month and a half. Tracking number : XXXX. I explained this to both the seller and Klarna and after two months still have not fully refunded me. I explained to Klarna that the seller blocked my email and stopped responding to my messages, despite this they said there was nothing they could do and eventually if the seller did not send a refund I would have to continue paying. Klarna was aware that I returned the items using my personal funds and followed all instructions they gave and still refused to refund me. In addition, Klarna has poor customer service. All communication regarding these matters have been initiated by me. Klarna has done nothing to contact the seller despite the general understanding that the seller is a scammer and has blocked all communication with me, the customer. Deeply disappointed, however I can happily say I will no longer be working with them. Klarna also states they do not do hard credit checks, yet Klarna only negatively effects your credit. They lie, and do do credit checks and especially prey on youth with little to no knowledge regarding credit.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

I received an unsolicited text message from ( XXXX XXXX XXXX. The sender represented themselves as being from MVBA and working with several cities and courts in the State of Texas. I am attaching a copy of the text message which appears to be attempting to contact a XXXX XXXX XXXX. That is not me and I have no idea who it is. I do use ID protection software, and have received notifications that associate my phone number with this individual in XXXX VA. 

I called the XXXX number listed in the text message, but no one answers.
Complaint sub-issue: Reporting company used your report improperly

I sent a letter off on XX/XX/2022. To remove personal information that I do not want on my report. According to the fair credit reporting act 12 USC 1681, I have the right to privacy. Also according to 15 USC 6802, No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Complaint sub-issue: Reporting company used your report improperly

XXXX used inadequate security countermeasures to protect my most sensitive personal information. As a result of their lackadaisical attitude to online security, my most secure personal information has been compromised. 

Now I must pay to put a credit freeze on my account -- this is unacceptable. Almost half the citizens of the United States have had their most sensitive information compromised. 

This is a clear example of the need for more government safeguards on Equifax and other financial reporting agencies. They have collected my personal information without my consent, safeguarded it improperly, compromised and distributed all my information, and now are attempting to profit off their own failings. 

This is as wrong as it gets.
Complaint sub-issue: Account status incorrect

On XX/XX/XXXX I mailed Equifax a dispute letter pertaining to incorrect information they were reporting on my credit file. [ copy of said letter is enclosed ] On XX/XX/XXXX, I sent an additional letter pertaining to the same XXXX XXXX  they reported as 120 days late and still active. None of this was accurate. I also requested they send documentation of this erroneous info bearing my signature and any other documentation that would corroborate this falsehood. 
I also pointed out that failure to provide this information within 30 days as required by the Fair Credit Reporting Act would be a violation of Federal Law. After allowing adequate time for their response I sent a follow-up letter on XX/XX/XXXX [ copy enclosed ] On or about the XX/XX/XXXX they sent an email response, although I did not provide one. It has been fruitless to attempt email communication with them as their system denies me access to their response. That is exactly what happened again as always. Hence I telephoned them on Monday the XX/XX/XXXX, the first time their offices would be open since I received their email response that I could not access. 
This was well after the 30 days permitted to respond by Federal Law. In my conversation with their personnel earlier today he lied and denied receiving the XX/XX/XXXX letters. He would only admit to responding to my XX/XX/XXXX follow-up letter. 
I still have not received any of the verification documents required in my XX/XX/XXXX letters. Therefore, I am demanding the deletion of this negative information from my file as required by The Fair Credit Reporting Act. If required I will be happy to supply proof of the certified letters sent via U.S. Mail. 
The other reporting agencies, XXXX  and XXXX, have long deleted this damaging information.
Complaint sub-issue: Their investigation did not fix an error on your report

DISCOVERBANK XXXXI requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Complaint sub-issue: Seized or attempted to seize your property

I satisfied my debt on XX/XX/XXXX.  The law office that handled the collection placed a lien on my home and as of XX/XX/XXXX, the lien has not been removed.  This has prevented me from obtaining title insurance and prevented me from selling my home.My county recorders office informed me that the law office had improperly completed an Acknowledgement of Satisfaction of Judgement and therefore, the lien cannot be removed.I contacted the law office on XX/XX/XXXX and informed me of the problem.  They told me to have the title company send them a "demand in escrow" which they did immediately.  The law office never responded to this demand.  I have contacted the law office numerous times but they will not respond to any of my e-mails.  I finally received a response on XX/XX/XXXX where XXXX XXXX, director of operations stated that they would re-file the proper documentation but only after their notary returns the following week but to date, nothing has been filed and the law office won't return e-mails or give me any updates.  I reported the lawyer to the  California State Bar for misconduct and I sent a copy of the complaint to the lawyer.  I received an e-mail from the lawyer in 11 minutes stating that they intended to file the correct paperwork however, this has not been done as of this date.  This is holding up the sale of my home and I have now lost the pending sale.  My debt was satisfied 3 years ago and the Lawyer has the obligation to remove the lien from my property.  California law requires the lien to be removed within 15 days of the debt being paid off.
Complaint sub-issue: Their investigation did not fix an error on your report

I provided proper notice and moved out of my apartment at XXXX XXXX at the end of my lease. I cleaned the apartment and took and provided photos of the apartment for my protection. 

The apartment complex ( as many of these management concerns do ) fabricated fees that I owed and sued me for them. The judge dismissed the case " WITHOUT PREJUDICE '' because I provided all of the backup of a proper notice and the pictures of my apartment. 

I disputed this collection with XXXX XXXX XXXX ( which can not be collected by law ) and the bureau left the item on my file. The account number is XXXX and the amount listed is {$1700.00} I have provided a copy of the court decision
Complaint sub-issue: Account status incorrect

The furnisher credit card company ( " Macy 's American Express '' or " AMEX/XXXX '' or " Macy 's '' ) reported my account as 30 days and 60 days late in XX/XX/XXXX and XX/XX/XXXX, respectively. 

As of XX/XX/XXXX, I was out of state to quarantine and billing statements were not received. On our around XX/XX/XXXX XXXX 's contacted me regarding the late payments and I immediately brought the account current by making an automated clearing house payment to Macy 's via telephone and, despite having been partially laid off due to the pandemic and informing Macy 's of this fact, during the same telephone call entered into a statutory accommodation pursuant to the CARES Act amendments to the FCRA -- a payment plan of {$200.00} per month over 36 months, and closing the account in exchange for a lower interest rate. Macy 's agreed to report the delinquent amounts for the months of XX/XX/XXXX and XX/XX/XXXX as current, but instead reported the account as 30 and 60 days past due, respectively.

I did not receive written confirmation of the terms of the accommodation with Macy 's. While my XX/XX/XXXX account statement notes that my " account is enrolled in a payment program, '' there are absolutely no details as to the terms of such program.

Fifteen months after the accommodation, the account is nearly paid in full, with only {$860.00} out of the initial {$7300.00} outstanding to-date. 

I have made attempts to correct the reporting error with both the furnisher and the credit reporting bureaus, without success. By letter dated XX/XX/XXXX, Macy 's notified me that my request to correct the information on my credit report was denied.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX 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: Report improperly shared by CRC

XXXX XXXX made a hard inquiry on my credit report without my knowledge and authorization. I was told that it would be removed several times. To-date it has not. The company also owes me XXXX for a frivolous deposit of XXXX was assessed to me after service was activated. I was told several time I would receive a check as a courtest credit of XXXX, from XXXX XXXX agent XXXX pursuant to out telephone conversation on XXXX/XXXX/15. Thank you.
Complaint sub-issue: Attempted to collect wrong amount

I have XXXX separate loans with Green Sky due to the contractor delays. These are separate accounts with different passwords and sign ins. On XX/XX/2022 I paid one account and on XX/XX/XXXX I paid the other account. After about one week I received a call that the one account was past due. I called to the company and explained that I did pay both accounts and that they applied both payments to only one account. The person argued with me that they did not do that. I asked the person to check the other account and she then reported that both payments had been applied to one account. I ask that one payment be transferred to the other account and expressed concern that this has happened before which she denied. After some heated discussion she agreed to transfer the amount to the other account. The last time this happened I had to contact them several time to have the late fee removed as it was their fault that the payment was not applied correctly. This affects my balance as they apply a second interest charge to the account they say was past due. Now I have receive a letter dated XX/XX/2022 that the account IN question is still past due. I need some help.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX, I received a report from your organization, and surprisingly, I found some unauthorized inquiry as well as invalid information, and it's written below : Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I notified the creditor who made the inquiry to remove it and told them to stop doing these kinds of things but as of now, there's still no response from them, As I believed this violates the Fair Credit Reporting Act. I'm asking for it to be investigated thoroughly and do something accordingly with regards to my credit report.
Complaint sub-issue: Don't agree with the fees charged

I consolidated my all student loans in XX/XX/XXXX with the Department of Education. 
I had a loan with a private lender NELNET from my XXXX degree in XXXX. My original loan with them was $ XXXX and now it is close to $ XXXX. This lender was able to add 2 more subsidized loans when they found out I was consolidating all my loans. Now I have two separate loans one consolidated and 2 added ones for {$2100.00} each ( {$4300.00} total ). I do not want to keep in business them, they are trying to keep me as client and if I try to pay this off they will keep adding charges.
Complaint sub-issue: Old information reappears or never goes away

I recently applied for an auto loan with XXXX XXXX and was turned down. I further looked into what scores they were referring to and found out that it was a credit reporting agency that I had never heard of called XXXX XXXX. There credit score for me was not even close to the other three agencies. They also had inaccurate information regarding my history. Based on this very unreputable company I was turned down for the auto financing form Ally. Their reasons for turning me down were not only inaccurate but very unprofessional because they were so wrong. This company should not be allowed to report credit worthiness for anyone.
Complaint sub-issue: Didn't receive enough information to verify debt

Receivable management systems XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX I have been using a deck consolidating agency known as XXXX XXXX  to contact them via third party with all of my contact information to settle and absolve and eventually pay on this debt. Over the course of 3 months they have made no attempt to contact me but feel they can justifiably up the debt to which I owe which recently over the last two days has been an additional {$150.00}. Since they have not made any attempt to return any calls made on my behalf or by my own person I contacted XXXX to dispute the debt due to non-contact. They simply replied with they disagree and that was that.