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

Back in XXXX I bought a dishwasher and hock up from Home Depot I returned it in XXXX they tried charging me {$70.00} for the return I refused and went in store to the XXXX IL location where I bought it sat for XXXX till close and they still didnt return it they said they would call me when the return was complete 3 days later I received the call fromXXXX at Home Depot saying the return was processed and take. Care of. In XXXX I went to use the Home Depot credit card it was declined I called Home Depot right away and citi bank both twice the same day. Home Depot then issued me more and new credits in XXXX to handle the account and make it accurate. I called back citi bank again that day to make sure we received the credits they said it would take 48 hours. Now we went to apply from our loan agent on our 3 home and got denied from homedepot reporting on his credit for a return we did not receive the correct or proper credits since XXXX and I have been told by employees at home depot since XXXX it was taken care of. XXXX my partner had an XXXX credit score we have worked the last 10 years to get the only thing on his credit was homedepot reporting on not refunded credits we were supposed to have tanked my husbands credit and denied us for a home all because a return wasnt properly handled. Then they closed our account without any notice tanking my husbands credit more. We have been card holders w homedepot since XXXX this is the worst situation We have been put in and no one wants to help us. I called citi bank they just wanted their credits didnt even offer to reopen the account so my husbands credit wouldnt be further negatively affected by this mistake. I explained how dire this situation is look at his account its form XXXX we are in XXXX how are we still dealing w this credit on the return?? This is absolutely unexpected we have maintain credit and paid every bill and now we go apply for a home loan and now from someone else negligence and not knowing how to do their job correctly we are denied for our home loan. We need the negative reports 30 60 90 day removed from his credit.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I purchased a vehicle through XXXX in XXXX Texas. I spoke with a member of their finance group and stated that I would most likely finance the vehicle purchase. They called me back to let me know that if I would like to purchase the vehicle they would be able to provide financing. I agreed and purchased the car and financing was secured. What I did not agree too nor cencent to was for them to run my credit much less put 6 hard credit inquiries on my credit report. I never gave them permission to do this once much less 6 Times. They have refused to resolve the issue. Please help.
Complaint sub-issue: Information belongs to someone else

I received a letter from I believe Equifax requesting for an ID in order to go forward with the disputed request. I am very disappointed with the lack of seriousness and respect these credit bureaus treat consumers. Instead of protecting our information and identity it appears to me they are too busy profiting from our information. My name was exposed in the Equifax data breach and my life has never been the same since.
Complaint sub-issue: Information belongs to someone else

I applied for a XXXX XXXX credit card today XX/XX/2020 and I was not approved because there are three accounts that are not mine with negative history appearing on my credit. The accounts are from XXXX XXXX XXXX XXXX, XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am not affiliated to any of these companies nor have I ever signed any contract or agreement in regards to these accounts that are in negative standing. I did not allow anyone to open those accounts in my name nor did I benefit anything from them such as money, goods, services or any other benefit. I have already filed a police report regarding these unauthorized accounts.
Complaint sub-issue: Account status incorrect

XXXX XXXX should not be reporting to Equifax ; XXXX  and XXXX  a balance due in the amount to of {$4300.00} on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have a daughter with special needs and I was forced to move to another home so I could provide her with her own bedroom. The complex I was staying at did not have any 2 bedroom apartments available. I provided adequate notice to the apartment complex that I was needing to vacate along with a letter from my daughters physician stating she needed her own separate space. ( I have attached a copy of the physicians letter dated XXXX for reference. ) The apartment complex manager assured me that I would be released from my lease and that no outstanding balance was due. I was also assured that they would not report this account to collections. They did not honor their word. I did not know there was an outstanding balance reporting until I obtained a recent copy of my credit report. This false reporting of an account with a balance is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX is currently going through bankruptcy. The process has been very slow ( they filed on XX/XX/2016 ). No funds from the claim have been disbursed, yet the college loan companies continue to report to the bureaus. In regards to my own loans on my own account, there have been both federal and criminal offenses committed by XXXX XXXX XXXX, including threats, tampering with interest rates, predatory loan tactics and more. These loans are invalid. The college loan company in charge of my account and the credit bureaus are in collusion with XXXX XXXX XXXX and therefore are ignoring these offenses. THIS COMPLAINT IS NOT TO BE SENT TO THE COLLEGE LOAN COMPANY IN QUESTION WITHOUT MY AUTHORIZATION! This complaint should be sent to Federal Student Aid, the U.S Department of Education, the U.S. Inspector General 's Office, MA State Attorney General XXXX XXXX, the predatory loan department of XXXX XXXX and XXXX XXXX XXXX directly. NO OTHER ENTITY should receive this information without consulting me first and receiving my authorization. NONE OF MY PRIVATE INFORMATION should be given without my consent. This includes, any of my contact numbers, my address, my social security number, etc.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Can some please help me.After reviewing my credit report I on XX/XX/2020 wrote to Equifax about inquiries that i did apply for, Equifax reply that it was verify. How was it verify I sent in a id theft affidavit my 1st letter. on XX/XX/2020 I resent all docs to Equifax with a 2nd letter and I will also upload
Complaint sub-issue: Attempted to collect wrong amount

This complaint is for and against IC System # ********XXXX I was XXXX customer until XXXX. After using XXXX for over three years, XXXX starter to increased my rate when renewing contract, XXXX was charging me with taxes and for items I was never advised of therefor I had to terminate my contract with XXXX. I called XXXX customer service asked them to change my plan or to reduce my rate or modify my contract. 
I asked for my deposit I gave XXXX in order to get their service they said that did not qualify for the deposit to be returned because I did not make my payments on time for 12 month straight without being late therefore XXXX keep my deposit. I asked XXXX to submit my last bill to my chapter XXXX payment plan but XXXX never did, all of this happened in XXXX. after I called XXXX and asked them again to submit my last bill statement to my chapter XXXX bankruptcy XXXX never contacted me again. four years has passed now after last contact with XXXX I have being discharged now and XXXX and IC System have retaliated against me by sending or reporting this " non paid fees '' to all three national credit bureaus ( XXXX, XXXX and XXXX ) I have called two of these credit bureaus and they advised me that XXXX started to report this " non paid fees '' to the credit bureaus a month after my bankruptcy discharged month of XX/XX/XXXX. 
IC System started calling me every day the first week of XX/XX/XXXX. IC System approach me by asking to verify my name and address I asked IC System not to call me again if they were not willing to disclose the reason of calling me, and I also advised them that I didnt trust collecting calls over the phone, and to send anything over the mail. Now I have received a letter from IC System, and because of this letter I learned what is described above this complaint.
Complaint sub-issue: Account information incorrect

During the process of leasing a new car on XX/XX/XXXXin XXXX XXXX, CA, my credit report was run. I check the my credit score frequently, and knew the scores were at or near XXXX. The day they ran the report, the XXXX score was accurate ( XXXX ), and I leased a vehicle. A few weeks later I rececived a letter from XXXX XXXX XXXX XXXX ( XXXX ) indicating that another credit reporting agency I had never heard of, SageStream , LLC ( XXXX ) reported my score as XXXX. After some initial online investigations, I read that other folks were having this same issue ( high or similar scores for the mainstream credit reporting agencies like XXXX, XXXX, and XXXX, but SageStream reporting scores several hundred points lower. ) On the SageStream website there is no way to contact them online ; you can only call or mail/fax them. In fact, they have detailed instructions on their site to fax/mail them a copy of all of my personal info ( including SSN ) if I want to obtain a copy of my credit report. Not only are the above mentioned practices questionable, and potentially indicative of some kind of fraud, the suspiciously low credit scores they provide are hurting people 's livelihoods and purchasing power. Please investigate SageStream , LLC, and put an end to their erroneous and harmful reporting.
Complaint sub-issue: Received bad information about your loan

When graduated from school and joined the military, I consolidated my student loans in order to get into a payment program to be eligible for PSLFP. Now that I'm close to 11 years of service, only to found out that the payments made to Great Lakes Doesn't count. Each year I recertify my employment and was advised by the companies agents into the repayment type. I was always advised that these payments is eligible for the PSLFP, which is why I kept making them for YEARS!!!! 

I just want the payments I have made to be reflected in the total count. Why is this servicer still in business when it consistently shaft students and so many people in public service?
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act, XXXX XXXX XXXX # XXXX has violated my right 15 U.S.C 1681 602. A states I have the right to privacy.

15 U.S.C 1681 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction
Complaint sub-issue: Public record information inaccurate

I am filing a complaint about a Public Record USBK COURT XXXX FLORIDA XXXX listed on my credit report which does not belong to me. I contacted the Bankruptcy Court and they informed me that they do not have any information under my full name, social security number, address and date of birth. They also told me that they don't have jurisdiction or the right to report information to the credit bureaus anyway. I then contacted XXXX XXXX giving my full name, address, full name and full social security and they do not have a file of me. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. They reporting requirements do not comply with FCRA 611 ( 15 U.S. 1681 ) and the information must be deleted immediately.
Complaint sub-issue: Account status incorrect

XXXX XXXX representatives twice assured me that they removed late fees on my account. Instead, XXXX XXXX   reported my account as delinquent, damaging my stellar credit score.
Complaint sub-issue: Investigation took more than 30 days

XXXX continues to furnished paid improper information on credit file. Continue to reach out to company regarding item on credit report.
Complaint sub-issue: Information belongs to someone else

Someone open a XXXX XXXX XXXX  Account number XXXX without my permission. I did not open or authorize this account, and I therefore request that it be REMOVED immediately. I am requesting that the items be blocked to correct my credit report. I also request that you absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.
Complaint sub-issue: Trouble getting information about the card

The website on the back of the card that the bank tries to get us to use to activate and check balances is constantly down. It has been unreachable since I've had the card. When you call to report this issue you get an outsourced untrained useless rep. 

This has been a long standing problem with this bank as there are dozens of complaints about it all over the internet for years
Complaint sub-issue: Debt was paid

The original creditor was   XXXX   XXXX   XXXX   XXXX  . The original debt problem was in  XXXX . I lost my job and was n't able to find another job. I was unable to pay off the debt.   XXXX   XXXX   XXXX   XXXX   assigned a debt collector,  United Recovery Systems.  I negotiated a settlement and on  XXXX / XXXX / XXXX  the debt was paid off  to United Recovery Systems. I h ave the original letter of proof from them stating the debt is paid. Just after that date,   XXXX   XXXX   XXXX   XXXX   hire d 2 other  debt  collectors,    XXXX   XXXX   XXXX   XXXX  and  XXXX   XXXX   XXXX  to try to collect the debt again. I had to send them a copy of the pay off letter and they were satisfied.   XXXX   XXXX   XXXX   XXXX   then hir ed United Recovery Systems AGAIN t o collect the debt. This was on  XXXX / XXXX / XXXX .  United Recovery Systems s aid they did not show a record of the pay off. I had to send a copy of the letter FROM  United Recovery Systems, TO United Recovery Systems to pro ve I paid it off. If I would n't have had a copy of it, they would have said it was never paid. Then on  XXXX / XXXX / XXXX    XXXX   XXXX   XXXX   XXXX   hired  XXXX   XXXX   XXXX  - same process. On  XXXX / XXXX / XXXX  I received another letter from another collection agency,  XXXX   XXXX   XXXX  again saying I still owed the debt - same process. Then on  XXXX / XXXX / XXXX  I got a letter AGAIN fro m United Recovery Systems ( now  know n as Alltran Financial LP ) s aying I still owe the debt - I went thru the process again. Now I just got a letter AGAIN from  United Recovery Systems/Alltran Financial LP saying I STILL owe the debt. It 's even signed by the SAME person as last years letter!!
Complaint sub-issue: Account status incorrect

XXXX XXXX should not be reporting to Equifax ; XXXX  and XXXX  that I am ( 30 ) plus days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached for reference the Forbearance Agreement dated XX/XX/2020 along with the Forbearance Letter confirming the forbearance was granted dated XX/XX/2020. This letter specifically states the following - you are not required to make any payments during the forbearance. The three bureaus are reporting the lates in error and it is seriously harming my credit score. These line items need to be removed and/or updated to report accurate information. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

In XX/XX/XXXX, I received a call from Discover Account Services. They asked if I was XXXX XXXX XXXX , I explained that I wasn't but I was married to a XXXX and had been divorced since XXXX and my middle name didn't begin with an H. They proceeded to tell me that I had a balance of over {$8000.00}. I told them this must be fraud as I haven't had a discover card since XXXX when I applied for a mortgage. Many phone calls in XXXX and XXXX finally resulted with me speaking to an individual who explained that the account was paid to {$0.00} in XXXX but not closed. She then closed the account and gave me a reference number. She said should I receive any calls to give them this reference number. 

Today, XX/XX/XXXX, I spent XXXX hours on the phone because I received XXXX invoices from Discover informing me that I had a new balance of {$400.00}. I was transferred XXXX  times and the last woman I spoke with, XXXX in XXXX, informed me that she spoke to the " Specialty '' Department and they had taken care of this and my account will be XXXX. 

Dear Government representative, during this time my credit score dropped XXXX points and I asked if this could be cleared up since the problem was on their end and they have no answer for me. I am a US Citizen, a XXXX XXXX who hopes to retire in a few years. I have a mortgage and I am concerned that this situation/issue, through no fault of my own, will affect either my social security or pension in the future. Not to mention should I want to downsize and get another mortgage. 

Can you help me? I want this account in this name no longer associated with my social security number and address. I want a summary of my account showing that it was closed ( that I could show a bank or other financial institution ) and my credit rating restored by Discover card informing the credit reporting agencies that this was an error on their end. 

Thank you.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

In XX/XX/2020, I open a dispute ( XXXX ) regarding a purchase which I was overcharged due to insurance being added to my rental without my authorization. The citi FAILED to do a investigation within the fair credit and billing act. They automatically closed my dispute without a proper investigation and sided with the merchant.
Complaint sub-issue: Information is not mine

I have a hard inquiry from XXXX I believe it 's XXXX I have never applied for XXXX or gave them any info of mine. I called XXXX and they have no records of me having an account.
Complaint sub-issue: Information belongs to someone else

I noticed XXXX XXXX XXXX on my credit report. This account was placed on my credit report in error. XXXX  XXXX XXXX... Date the account was opened XX/XX/2014
Complaint sub-issue: Investigation took more than 30 days

sent ftc to experian with all the non accounts that were not mine XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute
Complaint sub-issue: Their investigation did not fix an error on your report

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Complaint sub-issue: Was not notified of investigation status or results

I recently checked my credit report and noticed that lots of inaccurate accounts and inquiries, I immediately made a Letter to the respective agencies dated XX/XX/2022 and I wonder why after 30 days I haven't received any response from them so I had to research about my right and found that according to this article { FCRA 611 ( 15 U.S.C. 1681I ) } there's this 15 days additional for the reinvestigation. So I calm myself and waited for another 15 days to passed. Today I couldn't wait for another day it is over 45 days since I mailed them about it but still no response at all. According to article that I read failure to investigate 30 days gives a reason to immediately remove those items from my credit report. I feel like I am being ignored and being taken advantage.
Complaint sub-issue: Information belongs to someone else

There are accounts listed on the attached file which are listed my credit report that I have no knowledge of or an error!
Complaint sub-issue: Reporting company used your report improperly

LexisNexis Consumer Center in accordance with the fair credit reporting act Lexis Nexis Consumer Center has violated my right. 

I'm not sure what legal authority LexisNexis Consumer Center have disclose this, when i contacted the court, i was notified that they do not check, verify, furnish allow, or share any public information with you
Complaint sub-issue: Reporting company used your report improperly

Equifax data breach. My personal information was leaked due to poor security measures by the company. Per Equifax, " Based on the information provided, we believe that your personal information may have been impacted by this incident. ''
Complaint sub-issue: Other problem

On XX/XX/2020 I went to the store and purchased some materials. I had a {$500.00} gift card to the store and was saving that for a different project and decided to use my store credit card. I had made a payment on XX/XX/2020. My credit limit was still the {$5000.00} it was originally. I have never had any late payments on any accounts. I am ahead on all accounts. I also paid off many of my other cards in full in the past week. When I tried to use the store card, my card was declined. I Checked my account later that night to find my credit limit had decreased to {$3900.00}. I messaged the company as I had not received any notice to a decrease in credit limit. I messaged the company and shortly received a letter dated XX/XX/2020 stating that my credit limit is now decreased to {$3900.00}. I didnt receive notice prior to the decrease and the amount was decreased before I was notified. The letter only showed after I inquired with the company. Very frustrating considering my good credit history and profile.
Complaint sub-issue: Information belongs to someone else

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions Please remove all accounts which are not belong to me or any transactions made by me.
Complaint sub-issue: Problem making or receiving payments

I am trying to link my PNC bank account as a funding source with XXXX XXXX. To round my change up to invest in stocks and make investments. And PNC bank blocks their customers from being able to make their own financial decisions and will not allow them to link accounts to invest with XXXX. This is unacceptable.