Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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: Account status incorrect

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX {$23000.00} XXXX {$5700.00} XXXX XXXX {$3900.00} XXXX XXXX XXXX XXXXXXXX {$2900.00} XXXX {$0.00} XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXX XXXX  XXXX {$790.00}
Complaint sub-issue: Was not notified of investigation status or results

I contested an incorrect late payment, with 2 of the credit bureaus ( XXXX  and Equifax ), along with the creditor ( XXXX XXXX XXXX ). Not one of these individuals, had the decency to even reply to me and let me know what was going on. I am not really sure if an investigation was launched, as I was never contacted by any of the 3 parties, however I hold XXXX  and Equifax accountable for ignoring me and reporting incorrect and bogus information, that affect my credit score. I am enclosing one of the letters I sent to XXXX, back in XXXX of 2020 .... I also sent an exact letter to Equifax and XXXX XXXX XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XX/XX/XXXX XXXX XXXX ACCT # 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 an account without my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

This is a complaint in regard to Equifax verification and customer service. They report that I owed an ambulance bill with XXXX XXXX XXXX XXXX ( XXXX ) through a bill collector XXXX XXXX XXXX ( XXXX ). I have tried to resolve this with XXXX and they state the bill is correct. I have sent Equifax the letter from my insurance company XXXX that they were never billed and XXXX even asked me to ask XXXX to rebill it. According to the Center of XXXX and XXXX balance billing ( when a contracted provider with an insurance company does not submit a claim for services and send the member the total bill this is considered fraud ) XXXX refused and sold it to XXXX. I have sent Equifax a copy of the letter from XXXX ( please see attached ) twice stating that they were never billed and that I as a member shall be held harmless these charges listed on my credit report. I have also talked with Equifax customer service three times about this matter and told that they never received my letter from XXXX. I finally emailed the CEO and got a letter back from Equifax stating the same three ways to go about disputing this. I thought going through their website, I would be able to download the document so they would finally have it. I tried to sign up to create an account in order to upload and dispute it online. However it is telling me there is already and account and can not access it. I am still waiting to talk with someone from upper management to help me resolve this. However, I have been working on this since XX/XX/2020 with Equifax and have yet to have this resolved. The other two Credit reporting agencies removed this.
Complaint sub-issue: Debt resulted from identity theft

I have the same complaint that everyone else has. Macy 's trying collect wrongful change. Macy 's switched my account to an American Express card which I never activated. About six months later I started getting collection calls when all was said and done I owed Macy 's over {$300.00} for billing charges/ late fees. I never charge anything for past 2 years and they keep sending me the bills. Macy 's account showing a past due amount with a late payment charge of {$27.00} plus an interest charge equal to 24.75 % yearly rate on the unpaid balance.I have called Macy 's Customer Service twice to Complain to them about this Charge. I just received this letter saying? I am attaching the letter with this compliant.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax are in violation of act s 611 5 b of the fcra I have 4 inquiries on my report that is not suppose to be there XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX these are not suppose to be on my credit report and I have no hard inquiries on my other credit reports from credit bureaus but my Equifax customer service would not help and take care of the negative inquiries reporting to my credit report.
Complaint sub-issue: Debt was discharged in bankruptcy

XXXX Debt collections services is continuing try to collect a debt that was discharged in bankruptcy. I have submitted the appropriate documentation to XXXX and requested this information be removed from my credit files. XXXX has continued to harass and attempt to collect this debt. Please see attached documents
Complaint sub-issue: Account information incorrect

XXXX of XXXX I moved into a forbearance with my mortgage. I was assured that my credit would not be affected. XX/XX/XXXX they reported my balance had increased {$3400.00}. No information was sent to me on why it was increased. XX/XX/XXXX my escrow and mortgage was brought current since the forbearance has ended. After several fights of XXXX saying my mortgage did not increase and they never reported to my credit they lied and they did report to my credit. There is no Documation that my mortgage increase only that I was in a forbearance plan and the entire balance has been paid and on time. No one will give me answers as to why XXXX reported my balance as increasing. The recorded conversation on XX/XX/2022 of me asking for this information I was told they could not send me any information because they did not report it. 

Equifax allowed this information to be put on my credit without any documentation and refuses to correct the information being that is it false and XXXX has no proof
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have contacted Equifax and XXXX numerous of times letting them know if a creditor run my credit they will have to contact me I have 47 hard inquiries on my Equifax report and 15 hard inquiries on my XXXX report without my authorization they both have copies of my social security card and my police report.. and pretty much annoying my request..
Complaint sub-issue: Cashing a check

On XX/XX/2021, I deposited a Treasury Check to my new Citibank account that I had opened online. A few days later I received an email from Citibank stating that due to my having violated the account terms, my account was being closed. I found out that my debit card and online access to my account had also been terminated. When I phoned Citibank to determine why, I was told that my check was not valid and that the issuer had been contacted to verify this. When I contacted the issuer, they were surprised and verified that the check was valid. I went back to Citibank, who told me that a duplicate check had been cashed prior to XX/XX/XXXX. Again, the issuer said that no such check had been cashed, and that my check had been cashed on XX/XX/XXXX. Citibank refused to give me any more information. I went to the branch and was told that they could not help. The phone support at Citibank then told me that I had to wait two more weeks until they determined whether the check was valid. At this point, it was XXXX. There was a lot more back and forth, and waiting on hold for literally hours, by me and also with the troubleshooter from the issuer. Finally, I went into the branch and the manager was able to get someone from Citibank, on the phone with the issuer also, to admit that this had been human error and should never had been done. I was told that the check would be mailed, but it would take 3 weeks. A few days later, the bank manager said that my account would be re-opened and the funds deposited, but he called back a few days later to say this was not possible and that he had been advised not to handle the issue any further. He referred me to a different Citibank department, the XXXX ' department. I have not heard from them. To date, I have still not received a check. On XX/XX/XXXX, it will have been 60 days.
Complaint sub-issue: Need information about my balance/terms

I am a co-signer on my daughter 's private Student Loans with Citibank. I recently found out when applying for a loan that my daughter has defaulted on her obligation to the loan due to high monthly payments. The loan has apparently been marked as Charged Off and it has severely affected my credit. I never received anything in writing from the lender indicating the default, the balance owed, the late payments, or asking me to pay, etc. I was never given the opportunity to satisfy the debt. The loan is many years old and I had no idea that my daughter was struggling with maker her payments. I think it should be mandatory that creditors provide the defaulted account information in writing to the co-signer to give them a chance to rectify. It seems like a very unfair process.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

MY CREDIT SCORE WAS OVER 800 FOR A CONSIDERABLE TIME BUT AFTER I PAID OFF ALL DEBTS IT WAS DROPPED BELOW 800-WHY DOES THAT HAPPEN???
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Someone has taken compete control of my identity which has been very overwhelming.I have been getting notifications that the same companies keep sending the credit bureaus request for my credit report.I have not applied to any of the companies that is on this report .and not sure who has my information or how they got it.I have been calling the credit bureaus explaining this but as of today they have not been and help.Please help me take my life back
Complaint sub-issue: Other problem getting your report or credit score

XXXX needs to update my scores.ive had credit for the past year now. my scores should be showing
Complaint sub-issue: Can't decrease my monthly payments

I have had repeated problems with Discover Student Loans. I did not choose this company - they purchased some existing student loans I had with XXXX, so I was never given the option to use the free market to find a company that provided better service. 

My problems with Discover began almost immediately. The monthly payment amount they wanted was very high, and I was working for a non-profit, making too little to afford the payments. I called repeatedly to ask for a modified payment plan, but was told that they did not have one yet. So I made their payments and began to put necessities like groceries on credit cards. 

My interest rates on my Discover loans are through the roof and keep going up : currently 7.75 % and 10 %. They 've gone up six times in the past year, including twice in a single month last XXXX. Because they keep increasing my interest rates, my payments go up, too, because the loan term does n't change. I asked if I could renegotiate the loan term to make my payments more affordable, and was refused. 

Last year, I experienced further financial hardship when I moved cross-country and changed jobs. While my increased hardship was temporary, as I had taken a higher-paying job with a for-profit company, Discover refused to grant me a deferment of a single month. My income was too high. I was instead granted a six-month reduction in my payment amount, from {$490.00} to {$380.00}. I still was unable to pay that month, but I diligently made every payment following, adding {$16.00} to each payment in order to make up for the missed payment over time. In spite of this, I began receiving calls three times day, every day, hounding me for the overdue amount. I requested that they stop or at least decrease these phone calls, and they refused, saying they were within the law. I had to block the number. I have not missed a payment since I had that difficulty last year. 

At some point, my six-month payment reduction ended. I received no notice that it was ending, and did not even realize it had ended until I spoke with customer service today about my overdue balance increasing instead of decreasing. For months I have been making payments that I thought were a little extra, but were instead more than {$100.00} too little. 

Even when I had near-perfect credit, the only refinancing I could find was at a rate even higher than what I 'm paying now. My credit was damaged during the period of financial hardship mentioned previously, so now I ca n't find refinancing at all. I want to pay my debts, and I want to work with this company to make my debt payment manageable. But Discover will not work with me to come to a reasonable compromise on the monthly payment amount. I 'm not sure what else I can do.
Complaint sub-issue: Didn't receive advertised or promotional terms

I purchased a TV from best buy under promotion no interest for 2 years. The person selling the TV explained that whatever wasn't paid back would then be charged interest after 2 years not that I would be charged the full interest. It was never on any statement listed as a promotional value so when I went to pay my last {$200.00} payment to pay off the TV and saw {$1200.00} in charges I called best buy who said I owed it and I agreed to those terms although they couldn't give me any documents showing I agreed to that. I went to the store in XXXX, IL where the TV was sold to me and spoke with the manager who agreed even she wouldn't pay what they were asking because that's not how they understood the terms. I complained to many customer service reps over the phone who said they would file a complaint on my behalf and after having up to 5 phone calls a day from best buy customer service I filed a written complaint because I feel I've been fraudulently charged and continuing to be fraudulently charged. Best buy sent me a letter that they would close my account to post but I'm still responsible for any fees they feel like charging me and did not address my complaint. I will pay the interest on the last {$200.00} dollar payment of the TV and am ready to settle with Best Buy and Citi Bank but can't speak to anyone who is the least bit helpful. Citi bank wants to charge interest on this back interest
Complaint sub-issue: Their investigation did not fix an error on your report

There was an account on my credit report from XXXX XXXX XXXX. The account was listed as negative. The account could not be verified and so the credit bureaus removed it. They later added the account back on and will not give me an explanation of why it was added nor the methods they used for verification. I've been trying to communicate with them for over 3 months regarding this account. The last letters regarding this account were sent out XXXX and I have tracking numbers to verify they've received them. I have heard nothing back from them.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX  did not delete inaccurate reporting by XXXX XXXX XXXX  of a charge off in the amount if {$1.00}. This charge off was reversed and the account was reopened.
Complaint sub-issue: Debt is not yours

OK this is XXXX XXXX XXXX A company name XXXX XXXXXXXX has put a false and negative collection on my credit report. This has drop my credit score 29 points .. I had a XXXX score now I have a XXXX.this is false because I do not owe them anything. I never heard of them at all.. I think they brought the debt from some one because the debt is not mind I have not a clue what they are talking about.. According to the fair credit reporting act. by LAW they have to VERIFY the debt. they Have to have the ORIGINAL CONTRACT .or ME on camera signing the ORIGINAL CONTRACT .OR my IP ADDRESS opening a ORIGINAL CONTRACT .. when I request this things they got nasty with me over the phone.. SO I Request it in writing they did not respond to my request. they just Proceeded to VIOLATE the fair credit reporting act .. Now I want to SUE them AND I need your help >BECAUSE they hurt me and my score. XXXX XXXXXXXX COLLECTION AGENCIES IS LOCATED AT XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX they brought my information of a public record of a federal lien on me and my business Which I payed off in full.. I started RECEVING phone call and letter ever sence then..
Complaint sub-issue: Account status incorrect

In XX/XX/2018, I had an open agreement with XXXX XXXX where I was currently paying off a bill in doing so they would not report to my credit. They reported to my credit anyway. I filed a complaint against XXXX XXXX, they agreed to remove from my credit report. They did however sell to another Collection agency in XX/XX/2018. The new collection agency did not contact me regarding this collection and placed it on my credit report in XX/XX/2018.
Complaint sub-issue: Didn't receive notice of right to dispute

Hunter Warfield is contacting me in violation of multiple laws under 15 USC, Chapter 41. See the attached.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX # XXXX is reporting a collection on my account that I never received a notice for. This was put onto my credit without any warning and I only found out about it when I had my credit pulled. I went ahead and paid it and now I need the collection to be removed. They violated my 30 day right to dispute and this collection is now paid and I'd like it taken off credit.
Complaint sub-issue: Reporting company used your report improperly

This is in regards to the recent leak of information from Equifax including private personal and financial information, mine included. It is unacceptable for a organization that is in control of such important information to be open to such data loss. It shows a gross disregard for information security.
Complaint sub-issue: Application denied

I applied for a Citi XXXX credit card and my application was denied. I was given some nebulous reason about there being a fraud alert on my credit report. I had removed the freeze on my credit file BEFORE applying for the card, which is how citi was able to access my credit file in the first place so I have no idea what they are talking about. There are no other credit alerts on my file.
Complaint sub-issue: Other problem

I have a CITI VISA which was issued through my XXXX membership. I had always had paper statements sent to me monthly and always paid my bill in full on time. My wife and I have credit scores in the 800 's. 

CITI unilaterally changed my billing statements to electronic statements and cancelled my paper statements. My wife and I do not use any electronic statements or payment options with any account that we have. 

As a result of this change initiated by CITI we did not receive our statements for 2 months and did not make any payments during that time period. If we did receive anything electronically from XXXX we would have assumed it was spam or it went into our spam filter. 

We have demanded that CITI put our account back to paper statements and send us the past 2 months paper statements. And, we have requested that they cancel any late charges and finance charges since we always have paid our bill in full in a timely manner. We have not yet received the paper statements but CITI is asking us to pay the past due balances without any statements.
Complaint sub-issue: Information belongs to someone else

These are not my accounts, addresses listed, name, nor did I authorize these companies to run my credit. Please remove them.
Complaint sub-issue: Talked to a third party about my debt

This lender has called members of my family and friends in an attempt to contact me to collect a debt. This is illegal. I can not be reached by phone but can be reached via email and conventional postal delivery. Furthermore, they say that I have them listed as an " emergency contact '' so my friends and family immediately think something has happened to me.
Complaint sub-issue: Their investigation did not fix an error on your report

I have requested numerous times to have incorrect address, non updated collections Accts And Unverified and non validated information removed from my report along with invalidated information. I received a letter stating it was verified without informing me how the information was verified other than word of mouth by a creditor. I worked for a company who merged files for tax write offs. XXXX  employees are very rude, unprofessional and argumentative. Refusing to escalate my call. Placing me on hold for 37 mins before returing to the line with an attitude. A manger will call you. That was 7 days ago.
Complaint sub-issue: Their investigation did not fix an error on your report

There is an account on my Equifax report from XXXX XXXX acct # XXXX. this account is not mine and i have never done bussiness with this company. I have disputed this account since it was mistakenly put on my credit report. i have called the company and they have also came to realize this is not my account. how can equifax validate an account if the company is saying its not right. i have also asked equifax. to send me proof of there validation, but i have yet to receive anything
Complaint sub-issue: Investigation took more than 30 days

I have reviewed a copy of my credit report and I show account number XXXX is on my credit report listed twice and is listed as non-verified accounts. I have attempted on several times to have this accounts reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this accounts due to attempting to purchase a home.
Complaint sub-issue: Account status incorrect

XXXX XXXXl XXXX nb is showing a balance of XXXX when it was sent to collections in XXXX   should be XXXX bal this being reported by equifax
Complaint sub-issue: Old information reappears or never goes away

Car loan was responsibility of ex husband. Car was involved in an accident that totaled car in XX/XX/2020. Car loan was paid in full by insurance and/or XXXX. Company is still reporting recent charge off.
Complaint sub-issue: Account information incorrect

I moved from XXXX XXXX in XXXX of 2015. When I left the complex, management said that they would keep my XXXX deposit and since there was only a month left, would not hold me to the lease. Additionally, my XXXX  son and spilled bleach on an area of the carpet that both maintenance and management were made aware of. Both stated that it was time for that carpet to be replaced and not to worry about it. I never heard anything from anyone at XXXX XXXX. An acquaintance whose mother works for my ex husband took a position at XXXX XXXX after I moved from complex and this person abused their power and position and created a debt that never existed. As soon as this person took a management position with XXXX XXXX, she reported an erroneous amount of XXXX to XXXX XXXX XXXX four months after I had moved. I have disputed this with the credit bureaus and every dispute simply comes back in an expedited amount of time as " complies with FCRA '' which is does not. This is harassment and fraudulent.