Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

LEXIS NEXIS A 3RD PARTY COMPANY IS REPORTING INFORMATION OF A BANKRUPTCY XXXX XXXX TO ALL 3 CREDIT BUREAUS OF MY CREDIT FILE. THIS INFROMATION WAS NEVER REPORTED BY THE FEDERAL BANKRUPTCY COURTS. LEXISNEXIS REPORTED THIS ON MY CREDIT FILE AND WAS NEVER A PARTY TO MY XXXX XXXX  BANKRUPTCY REFERENCE FILE # XXXX. 

A FORM 609 WAS SENT TO LEXISNEXIS UNDER THE FCRA GUIDELINES REQUESTING THE REMOVAL OF THIS INFORMATION FOR : XXXX XXXX XXXX / DATE OF BIRTH : XXXX SS # XXXX / TEXAS XXXX XXXX DATE OF DISCHARGE WAS XX/XX/2012 / BANKRUPTCY FILE # XXXX LEXISNEXIS HAS CONTINUED TO IGNORE MY REQUEST OR RESPOND TO MY REQUEST TO REMOVE THIS ITEM FROM MY CREDIT FILES ON XXXX XXXX XXXX. 

THE TEXAS XXXX XXXX HAS FURNISHED EVIDENCE THAT THEY NEVER SUBMITTED DOCUMENTATION TO THE 3 MAJOR CREDIT BUREAUS XXXX XXXX XXXX AND THAT I WOULD NEED TO TAKE THIS MATTER UP WITH LEXISNEXIS. 

LEXISNEXIS REPORTED THIS ERONEUS INFORMATION TO THE 3 MAJOR CREDIT BUREAUS WITHOUT THE RECOMMENDATION BY THE TEXAS XXXX XXXX OF XXXX XXXX THE XXXX XXXX TRUSTEE.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXXXXXX XXXX  XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, US Dept of ED Account # XXXX, and US Dept of ED Account XXXX XXXX has violated my rights. 

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: Received unwanted marketing or advertising

I received a text from an unknown phone number ( XXXX ) that had a link attached to it for a fictitious name " XXXX '', I've copied it below. 

Text message read : Equifax alert for XXXX recent account found on your history XXXX
Complaint sub-issue: Debt is not yours

My wife was a victim of identity theft, so out of precaution we checked my credit report and found an open file from Acima Credit, XXXX XXXX XXXX XXXX FL XXXX, XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) with XXXX ( only XXXX, not the other XXXX reporting agencies ). We had never heard of Acima, and have not applied for any payday loans, rent to own loans, etc... ever. We attempted to resolve it ourselves with XXXX to no avail, then we involved XXXX XXXX with XXXX XXXX XXXX ( O : XXXX |EXT XXXX / Fax : XXXX ). Together we spoke with a representative from Acima, who could not help us over the but said they would look into the matter. XXXX suggested it was probably just a clerical error with XXXX, so we filed a dispute with them and waited the allotted time for them to look into the claim. I just received their response stating they will not remove it from my credit because they said " The company that reported the information has certified to XXXX that the information is accurate. '' Again, I know this information is not correct, because I have NEVER applied for ANYTHING with this company.
Complaint sub-issue: Information belongs to someone else

please remove fraudulent accounts

XXXX XXXX XXXX 
open date XX/XX/XXXX

XXXX XXXX XXXX   
XX/XX/XXXX

XXXX XXXX XXXXXX/XX/XXXX
XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX  open date 01/24/2019
Complaint sub-issue: Information belongs to someone else

I HAVE A XXXX ACCOUNT APPEARING ON MY CREDIT REPORT THAT I THINK IS LINKED TO MY IDENTITY THEFT CASE FILED BACK IN 2019
Complaint sub-issue: Their investigation did not fix an error on your report

I have reached out to both eqifax and XXXX multiple times to report fraud with the XXXX XXXX ( XXXX XXXX ) account that was open on XX/XX/2017 with XXXX and showing XX/XX/2017 with eqifax. I did not open this account. It is A fraudulent account. The company says the account was opened online. It is against the law to knowingly report A fraudulent account and neither credit reporting agency is resolving this matter. XXXX has completed an investigation and removed it after findingit was indeed fraud.
Complaint sub-issue: Debt is not yours

I sent a debt validation letter to all three credit bureaus. Both XXXX and XXXX said the debt was validated, but I asked for method of verification and original contracts that were signed and haven't received that from either of them. XXXX removed the account because they were unable to verify it then weeks later added the account back to my credit profile. I reached out to ProCollect on XX/XX/21 stating that I'm not acknowledging the debt, but would like this matter to be taken care of and offered to settle for the amount of {$350.00} and for this account to be removed within 10 calendar days of payment. The agent rudely said there is no settlement and my balance needs to be paid in full by XX/XX/21. I don't owe ProCollect this amount of {$1200.00} and XXXX collection fee.
Complaint sub-issue: Problem using a debit or ATM card

I was charged an overdraft fee for a XXXX cent transaction. The only suggestion I received from customer service is to start using a personal ledger. And it was relayed in the most condescending tones. I have been a customer for a long time. For small transactions like this, I do n't expect to be charged a {$36.00} fee. I have overdraft protection and mobile alerts active. However, this institution continues to allow certain transactions to post to my account even though there are pending transactions which have not reflected in my account balance. Earlier this month, I was also charged a fee for a music subscription withdrawal. The withdrawal happens shortly before XXXX ( as I received a text alert ) and the next morning I was charge an overdraft fee. I feel this is unfair because I immediately posted funds to the account once I noticed, but this institution refuses to take care of the fee because it 's not fraudulent. I am disappointed in the lack of customer service. If this can not be resolved, I will be canceling my account.
Complaint sub-issue: Other problem getting your report or credit score

On two different occasions I have been told that I have no equifax report when applying for credit. I can login to my equifax and see my report and information. I have contacted equifax several times about this issue. They are also not reporting all of my trade lines when those companies have assured me it is being transmitted correctly to equifax. They are denying access to my report.
Complaint sub-issue: Information belongs to someone else

I've been a victim of identity theft for some time now, there has been fraud accounts on my profile and overtime the credit bureaus assisted me in removing them. I recently reached out to the bureaus to have these fraud items blocked/removed like the previous accounts before and XX/XX/XXXX and XX/XX/XXXX did their jobs in no time. Equifax on the other hand, has received my request to block these fraud accounts, through the 605 ( b ) laws, as I've sent in a FTC Law Enforcement Report, list of fraud item, and proof of identity displaying my I.D cards. Equifax continues to tell me over the phone that they are still working on their investigation and its been about a month since they've received notice. I have two separate confirmation # s for two separate occasions having to block these accounts. 4 days after receipt of block request using the necessary documents is as long as the credit bureaus have to remove the identified fraud items off a consumers report, that is law! That statement is not an opinion, these are the FCRA Laws, Law 605 ( b ). So why is this item still on my report? Because Equifax is WILLFULLY and KNOWINGLY being negligent of identity fraud. This has to stop!
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX US DEPT . OF EDUCATIONXXXX n accordance with the Fair Credit Reporting act Convergent Account ''US DEPT. OF EDUCATION/XXXX  '', XXXX XXXX '' and 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: Their investigation did not fix an error on your report

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$870.00}
Complaint sub-issue: Money was taken from your account on the wrong day or for the wrong amount

I had someone get into my account and my bank is issuing me a new card just waiting for the new card to come in
Complaint sub-issue: Card opened as result of identity theft or fraud

Optum Financial opened Account XXXX XXXX without my consent. I never gave consent to open the account, nor should they have any of my information. They wont let me close the account without verifying said information they should have. One of the questions is if there is anyone else tied to the account... how should I know this if I never opened the account in the first place? They refuse the close the account.
Complaint sub-issue: Their investigation did not fix an error on your report

I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$29000.00} ; XXXX  XXXX XXXX Balance : {$2.00} XXXX XXXXXXXX Balance : {$0.00}
Complaint sub-issue: Information belongs to someone else

I NEVER REQUESTED OR AUTHORIZED A FRAUD ALERT ON MY CREDIT REPORT BY EQUIFAX OR ANY OF THE OTHER REPORTING AGENCIES.

please remove all FRAUD ALERTS.

THANK YOU!
Complaint sub-issue: Account status incorrect

I have a HELOC with XXXX XXXX XXXX that dates back before the financial crisis. 
I never authorized this account. I fell into medical problems from XXXX to XXXX and again XXXX and XXXX. I have paid the balance on time from XXXX and in XX/XX/XXXX to XXXX XXXX, I had multiple issues with XXXX XXXX and called XXXX XXXX to inform them of my status, and requested to be on forebearance. In XX/XX/XXXX, I was then contacted by a courier that I would be in foreclosure if I do not pay my mortgage. My privacy was compromised as the courier left my information with my social security number exposed in the building hallway. I called the bank 's attorney : XXXX XXXX at XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX, New York XXXX ( XXXX ) XXXX - XXXX, and inquired what I needed to do to get my account back to good standing. I was told I needed to pay roughly {$10000.00} of which roughly {$5000.00} was used for the bank 's attorney fees, in addition to late fees. I felt these fees were exorbitant. XXXX XXXX XXXX also destroyed my credit by reporting me late on the credit bureaus : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This has caused my score to decrease significantly.
Complaint sub-issue: Delay in processing application

I applied for and was approved for a secured credit card from Discover.  I sent them the money and for a period of time that is excessive, they have yet to release my card so that I can use it. 
While they sent me the card, I can not use it because they now claim that they are doing a " confirmation review ''. This now includes a request for my tax returns and bank statements. I posit this is something that should have been done PRIOR to taking my money which they are holding and most likely earning interest on. 
If they were not going to approve the application or if they were going to do several more layers of review, this should have been done prior to accepting money which is tied up. I can only believe this is an operating policy which profits them at the expense and inconvenience of customers.
Complaint sub-issue: Frequent or repeated calls

Why Not Lease It XX/XX/21 call XXXX XX/XX/21 call XXXX XXXX  XX/XX/21 call XXXX XX/XX/21 Payment made of {$53.00} XX/XX/21 call XXXX XXXX  XX/XX/21 XXXX call XX/XX/21 call XXXX informed rep of payment XX/XX/21 call XXXX am XX/XX/21 call XXXX XXXX  XX/XX/21 call ( requested Supervisor was hold for almost 30-35 mins, silence and call hung up I was informed by an agent that my number is on an automatic dialer and would continue until a payment was made. Above you will see date where a payment was made and the calls continued. 

There repeated calls even after speaking to me is blatant harassment. If it is because of their automated calling system, then it needs a code added that indicates to them that repeated calls in one day every hour - two hours is in violation to federal laws.
Complaint sub-issue: Loan balance remaining after the vehicle is repossessed and sold

XXXX XXXX XXXX XXXX repossessed my vehicle in XX/XX/2017. I have made several phone calls to the company and ask them to send me a letter stating when the sold the vehicle and how much they sold it for and the balance of what is left on the vehicle. As of this date I have not received any information on the vehicle. I noticed they have it in my credit report owing car finance and flagship credit showing a balance of {$16000.00} and just increased the balance by {$400.00} more dollars. From the time they repossessed thy vehicle they never sent me no information on it. They never offered me a chance to get the vehicle back after they repossessed the auto or even made me aware of that it would be auction off. An even after they sold the vehicle they never in sent me nothing on how it was sold for or what is the balance after it was sold. I have called them to try and clear this matter up but they still wont send information out. I would like to clear this matter up with the company..
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap.. XXXX SELF-REPORTED XXXX, XXXX SELF-REPORTED XXXX, XXXX SELF-REPORTED XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX ( Original Creditor : 11 XXXX ) XXXX, XXXX ( Original Creditor : 01 XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX, XXXX ( Original Creditor : 12 XXXX XXXX ) XXXX, XXXX ( Original Creditor : 09 XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX ) XXXX , XXXX-KS ( Original Creditor : 10 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Creditor : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX
Complaint sub-issue: Received bad information about your loan

On XX/XX/18 I realized that I never received an email for my XX/XX/18 billing statement due XX/XX/18. I emailed XXXX  XXXX and let them know that I did not receive my bill. They suggested that it may have gone to spam, which is weird because it never had in the few years I have been paying back my loan. It was not in spam. The next month, I again did not receive my billing statement via email ( the missing XX/XX/18 bill was noticed as missing XX/XX/18 ). I again emailed XXXX XXXX, who again suggested that it was probably in spam ( it was not ). I asked for a copy of the server log to prove that the emails from the last two months went out, and they refused to provide this information. I do not believe that they ever sent the billing statement to my email.
Complaint sub-issue: Account status incorrect

I checked my credit report from Equifax, XXXX and XXXX. I have also submitted disputes with each CB but nothing has been deleted and it's really stressing me out. When i contacted XXXX 's on XX/XX/2018 to take care of the past due balance, the collections supervisor stated verbatim that the negative XXXX 's trade-in would be redacted and deleted within 30 days, which would be by XX/XX/2018. However, as of XX/XX/2018, the negative balance has NOT been deleted and still reports on my credit report. Screen shot attached.
Complaint sub-issue: Their investigation did not fix an error on your report

I received notification Equifax, Inc was still working on an issue AND I checked my scores which dropped today from XXXX to XXXX. I received another alert stating my credit score was changed by an update in Equifax. I further investigated the issue. 

XX/XX/XXXX/XX/XX/XXXX did another update for two accounts that settled same day adding erroneous remarks for 3rd parties to view from one dispute to the next that continue to conflict. Equifax does not have a quality control and works against the consumer demonstrating discriminatory practices and affiliated with XXXX XXXX as I am too a member. Every request to remove creditor from my file has been either ignored or causes more damage. XX/XX/XXXX/XX/XX/XXXX showing one account with a credit limit of {$250.00} and a high balance of {$1500.00} when in fact the account was increased from {$250.00} to {$2500.00}, that account was settled over 4 years ago. XX/XX/XXXX/XX/XX/XXXX has made at least 4 to 5 derogatory erroneous updates within a 30 day period over the last 4 months
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft /fraud. I have accounts that do not belong to me. I have not in any way received goods or services from these companies and I want to report this identity fraud. An FTC report had been filed and is attach to this complaint, please help me to remove this account from my credit.
Complaint sub-issue: Account information incorrect

XXXX is continuing to stick by the lie that they attempted to notify me about my deferment and forbearance periods ending. 
They never did, until my loan was almost in default. Then of course I responded immediately, as I would have if they actually would have attempted to contact me in any way, shape, or form. I believe they deliberately denied me information and avoided contacting me as long as possible to maximize the amount of interest on my loans.I had the same loans previously with XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, and XXXX/ XXXX  XXXX XXXX and never once had a problem with a late payment or communication issue. It is only when my loan was transferred to XXXX that I began to have problems. Not a single phone call, automated or not, to me until I was almost 180 days past due, when I know I should have been in forbearance or had a XXXX payment due to my income based repayment plan. Seriously if XXXX the only option available to you, it is best to flip burgers. You'll likely come out ahead in the end, read any other complaint listed here or just search for news articles about them on the internet. They are not difficult to find.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Frequent or repeated calls

My telephone ID states " Bloomingdales. '' When I pick up the telephone it is Macys. Macys is trying to collect a fabricated debt. Alternatively, I will get a " Private Caller '' on my telephone ID and it is Macys. 
I am on the National Do Not Call Registry. My understanding is Macys is not allowed to harass me with repeated telephone calls.
Complaint sub-issue: Account status incorrect

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER REMOVING THE LATE PAYMENTS FOR I HAVE BEEN A CLIENT THAT STRIVES TO MAINTAIN AN EXCELLENT STATUS.
Complaint sub-issue: Account terms

I have the same amount in collections by XXXX separate collection agencies. I believe only one should be reflected on my report.
Complaint sub-issue: Problem with statement of dispute

A charge of $ XXXX was placed on my XXXX XXXX XXXX The charge was at XXXX XXXX XXXX using a XXXX XXXX = XXXX CARD!! This is impossible as I NEVER use the XXXX Card and never carry it AND I have a XXXX 's Club card! In my query to XXXX, they refused to send me ANY docs substantiating WHAT was charged. I refused to pay and they eventually turned the charge over to XXXX XXXX. XXXX XXXX called to collect and I informed them I would be happy to pay IF... IF they would show me the actual transaction, which they refused. XXXX XXXX then reported it to Equifax and Equifax deducted XXXX points from my credit of XXXX to XXXX. I challenged the report to Equifax AND XXXX ; Equifax reported they had " INVESTIGATED '' and found XXXX XXXX 's report substantial, NEVER addressing MY request for ANY documents attesting to the charge. I should have paid the THIEVES!