Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Confusing or misleading advertising about the credit card

So I have not only got charged a 3 % interest on a balance transfer when the Advertisement and paper work I received stated 0 % for 14 months i have this paper work at home and no way of getting this to the company. 
So i transfered a loan from my bank onto my discover card which they admittedly put on my discover card, but my bank states they have not gotten the payment yet!!! so now I am being charged by my bank interest on a loan still sitting in my account that discover states they paid off! 
I asked discover for a copy of the check sent front an bank so I can send it to my bank and they said they could not do this till after the XXXX which again I am being charged interest on this loan that is sitting on my discover card .... XXXX stated that they sent the check on the XXXX and that it was cashed so i do not see why they could not send me or my back a copy of the check front an back so that we can have it only on the discover card? 
I have spoken to 14 people in regards to the % rate and this transfer and noone can help me. It is very aggravating that they just blow you off ... no reason why they can not help me to me if you put something on someones account and they are asking for copies it should be giving to you. I am the one paying this off!
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/XXXX I received a notification of an ATM withdrawal for {$1000.00} from my Cash App card. This was a fraudulent transaction and I notified Cash App immediately so they could cancel the card. I submitted a dispute, however, after only 2 days I received an email saying my claim had been denied. The email ( attached ) said that I can request the documentation used to make the decision. The link just pointed to a page where you can chat with support. So, I requested the documentation used. However, every time I requested the documentation they only sent me a summary of the transaction ( attached ). 
I requested this multiple times over several days from the support chat. Today ( XX/XX/XXXX ) I tried call and when I finally reached a rep they assured me they would get the documentation. They send me the exact same document which listed only a summary of the transaction.
Complaint sub-issue: Their investigation did not fix an error on your report

EQUIFAX credit bureau has not properly used my identity theft packet to remove or block information reporting on my credit file due to fraud and identity theft. 

I have sent them my law enforcement report, all of my proper identifying documentation, as well as a victim statement and request to remove the account that is reporting due to fraud. 

They have done nothing but send a message to the creditor. 

Equifax states : " the creditor says all information including your name and address are reporting accurately. '' Of course it is! The identity thief used my real information! 

The other bureaus promptly blocked and removed the fraud. Equifax refuses to properly investigate and tells me there is nothing they can do with my identity theft report from the Federal Trade Commission.
Complaint sub-issue: Debt is not yours

( AR RESOURCES INC ) at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) has been sending me collection notices in the amount of ( {$930.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THESE ARE ACCOUNTS THAT I DID NOT AUTHORIZE AND I HAD NO IDEA THAT SOMEONE HAD ACCESS TO MY PERSONAL INFORMATION. I AM IN DISTRESSED BECAUSE THESE DEROGATORY ACCOUNTS HAVE CAUSED DAMAGE TO MY FILE AND HAVE PREVENTED ME FROM ATTEMPTING NEW CREDIT. PLEASE LOOK INTO THIS MATTER AND HAVE THOSE INACCURATELY PLACED ACCOUNTS OFF MY CREDIT FILE.
Complaint sub-issue: Was not notified of investigation status or results

XXXX, XXXX, & Equifax have not been responding to any of my disputes! I have been disputing items on my credit report and NON of them have responded to me. I have been patient because I understand that COVID has caused some delays but it is getting ridiculous. Under the law they still have to notify me and respond within 30 days!! There are erroneous items on my credit report that need to be removed immediately.
Complaint sub-issue: Was not notified of investigation status or results

on XXXX I sent a letter regarding inaccurate and unknown things on my credit report. 
to this day over 60 days later I have not received a response yet I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I went to my local  XXXX  dealership with a pre approved auto loan from  XXXX   XXXX  auto navigator. I even brought the printed out paperwork. The salesman told me they needed to run my credit again to see if they could get me a better interest rate. He did not tell me that there would be  XXXX  companies accessing my credit report. Now my credit score has dropped  XXXX  points in less tha n 24 ho urs. Turns out that  XXXX   XXXX  was the lowest rate I could get. They ran my credit with  XXXX  other companies for nothing.      XXXX   XXXX ,  2017  {$30000.00} Quite frankly this is the type of   XXXX   that consumers do n't want to deal with. It 's hard enough to build your credit, and all it takes is some salesman with a sales pitch to a first time borrower to ruin your credit in a matter of minutes.
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX I have contacted the FTC and my local police and I am doing this on my own behalf. 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 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. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name
Complaint sub-issue: Debt is not yours

Enhanced recovery company {$970.00} Opened XX/XX/XXXX Last reported XX/XX/XXXX Enhaced recovery company XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX I have no idea what this debit is.
Complaint sub-issue: Account information incorrect

I am requesting statements of all of my late payments that are reporting to all of my credit reports. I noticed that I have several late payments reporting that I do not recall. This is negatively affecting my credit score and keeping me from purchasing a home.
Complaint sub-issue: Didn't receive services that were advertised

I've been dealing with this situation since XXXX. I had an issue with credit card company that was compromised by a hacker trying to take our information. Tried numerous times to work through the company 's automated system to get to a live person, but it was exasperating and time consuming. Initially, I was able to dispute numerous charges on our card, and the service was good. A local rep of the company, a different division, was able to verify the checking, savings and investment accounts that were opened in our name were cancelled. A truly frustrating thing is that one division is unable to contact another division and help work through concerns ; calls had to be made to the banking institution and separately to the investment division. After that I was able to cancel the credit card on XXXX. Today I was notified that there is a balance on the card. I wanted to verify the charges were mine. I phoned four times and was cut off or hung up on each time. I finally was connected to someone who was able to verify the information. We were disconnected ( the service rep could not hear me but I could hear her ). She hung up because she couldn't talk to me. We were discussing how the balance would be paid. 
. 
I feel the service of this company needs to be improved. It's much too frustrating to work with a company that makes it so difficult to communicate concerns. 
.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX XXXX, XXXX I used my rights to ask equifax to verify some accounts on my report, with Proof, because I had issues with verification of the accounts when I checked. I also asked on that date to remove any non- account holding inquiries over 30 days. I heard nothing from them about the matter I requested so I am sending a second letter requesting the same information, on XXXX XXXX, XXXX.
Complaint sub-issue: Debt was paid

I was managing partner of a medical practice that closed XXXX XXXX. We had a contract for a copier signed in XXXX of XXXX. My secretary notified US BANK of our practice closure date by phone. The copier was disconnected and moved to a different room in building after we closed. One of my partners made several calls requesting a final bill and pickup of the copier. We received a default bill in XXXX. Two certified mail letters were sent, one in XXXX, and one in XXXX. I received two letters back claiming they had unsuccessfully tried to contact me. I tried multiple times to contact the person that sent the letters and got voicemail only. I left messages to call my cell phone. I never received a call. I paid everything owed mid XXXX and sent certified letter with check requesting our relationship be finalized. The contract states they need 90 days written notice, or I can return copier, or I can purchase it. Have no idea how to " return a copier '' the size of the one we had and can't get a call returned to find out how. My retired partner recently sent me a XX/XX/XXXX bill he received for over {$1100.00} in charges for use of copier, late fees, and damage fees. 
I really do not believe anyone at US BANK was or is interested is resolving this issue. 
I am out of ideas. This all seems very unethical to me. I would appreciate any assistance you can provide.
Complaint sub-issue: Their investigation did not fix an error on your report

On X/XX/2017, I submitted a dispute to Equifax and they refused to remove several accounts listed on my dispute. The accounts were submitted under identity thief. However, they refused to remove the accounts. I received no validation on why the accounts remained. According to the FCRA 605b a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I received no results until after 30 days and no valid reason why they remained. I am submitted a police report along with my dispute.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, XXXX XXXX  I 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: Frequent or repeated calls

Conn 's HomePlus is constantly harassing me over a debt that is not even excessively late. My payment is approximately 17 days late. My fiance has been critically ill in a XXXX in the past XXXX days and was in the XXXX  a total of 25 days. This understandably so has put me in a bind. I have repeatedly expressed to Conns that I will pay them as soon as possible but they continue to call from a different phone number every day at least a DOZEN times per day. I am a long time customer and the harassment is absolutely ridiculous. It is getting in the way of a already very stressful time and is beyond excessive!
Complaint sub-issue: Reporting company used your report improperly

In accordance with fair credit reporting act XXXX XXXX  Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report?

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX 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: Account status incorrect

I have a loan with XXXX XXXX XXXX. I set up and auto-pay online. I assumed all was well until I received notification that my account was delinquent. They never emailed me on this matter even thought they do have my email address. They said they called but never reached me. The moment I found out about this I rectified the issue. Now my credit report shows a 30 day delinquency even thought their website failed to process my auto-pay. I have a 30 year credit history with no delinquencies. I would like this resolved due to the error on their side and their lack of contacting me to give me a chance to resolve the problem prior to going to the credit bureaus.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I called all three credit bureaus, XXXX, Equifax, and XXXX to inform them of the unauthorized credit inquiries, after several attempts they would not remove them. Unathorized Inquiries and Dates of Inquiries 1. ) XXXX XXXX-XX/XX/XXXX 12 XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX 2. ) XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX ( XXXX ) XXXX 3. ) XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX 4. ) XXXX XXXX XXXX-XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX 5. ) XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 6. ) XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 7. ) XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX 8. ) XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX
Complaint sub-issue: Debt is not yours

I continue receiving calls about a XXXX debt that is not mines there was a error with XXXX some one name XXXX XXXX which I dont know who this person is has the debt and know Im receiving rude calls which I have explained to all party this is not my debt and dont know how XXXX made this mistake at this post Im ready to sue all parties involved if this matter is not investigated and fixed.
Complaint sub-issue: Account status incorrect

I have disputed with XXXX XXXX, Equifax and XXXX about this account several times. I have a collection reporting on my account as an open account, which is incorrect, the account was paid off as a pay for a delete account. XXXX deleted this account on XX/XX/2020 and Equifax and XXXX refuse to investigate the accuracy of the account. XXXX sent me a letter after several attempts to get this item removed, stating they applaud my efforts in trying to fix my credit, but have yet to do a proper investigation. This collection appearing on my credit profile is hindering me from securing funding.
Complaint sub-issue: Information belongs to someone else

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXXXXXX Account Number XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

Information is being inaccurately reported on my credit reports. The information is being reported by XXXX. I previously tried disputing information with the credit bureaus. Each bureau came back indicating that the account was either verified/updated. My last attempt was trying to clear the matter up with XXXX. On XX/XX/XXXX I faxed a dispute to XXXX advising that information was being reported incorrectly and that I would like for the 12 accounts of which they are reporting to be removed. I called XXXX on XX/XX/XXXX just to confirm receipt of my dispute. I was advised that a decision was made on XX/XX/XXXX and the request was denied. I have not received any correspondence advising of the denial at this time. I don't understand how a complete investigation can be done in a day 's time. I do not believe that XXXX has done its due diligence in investigating my dispute. These accounts are reporting under XXXX on my credit reports. These accounts have been closed and transferred so I really can't understand why XXXX is refusing to remove the accounts considering they are reporting inaccurately. It appears that they keep updating my payment status which is somehow prolonging the length of time for them to report. The attachment provided clearly shows that they are reporting my account current and then the following month with 90 days late. How can you be 90 days late without being 30 or 60 days late?
Complaint sub-issue: Reporting company used your report improperly

- In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX Account number XXXX has violated my rights15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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: Trouble with how payments are handled

I was told I could not pay off my loan because Great Lakes  (   XXXX    was the representatives name ) lumped all of my loa ns into one payment.   XXXX  told me that I have to satisfy my minimum monthly first before I can pay off my loan. My monthly payment is  one monthl y payment for all of my loans. Each loan was given a " token number '' but was rolled in to one payme nt. Each loan has different interest rates. I am trying  to payoff one specific loan that is a low balan ce but high rate. They told me that even though I have a monthly automatic payment set up that I CAN NOT PAYOFF THAT LOAN. They said I have to make the minimum monthly payment  FIRST! I am trying to payoff one loan that they took upon themselves to roll into one big loan. This is costing me daily interest that the company is profiting from by not allowing me to payoff my small loan that they rolled into one big loan.
Complaint sub-issue: Information belongs to someone else

There is an account From XXXX that is reporting on my credit report that does not belong to me and it is affecting my credit score i tried to have it disputed with the bureau but it been more then 45 days and it is still reporting on my credit report
Complaint sub-issue: Didn't receive enough information to verify debt

I am XXXX XXXX submitting this complaint against Jefferson Capital System and there is no third party involved. Jefferson Capital System did not provide me with sufficient documentary evidence such as tracking number or some type of signed delivery slip by me the consumer, proving that I received and was made aware of collection activity of this alleged debt, this alleged debt had been fraudulently placed onto my consumer report with forethought and malice to being harm to me and my financial reputation.
Complaint sub-issue: Reporting company used your report improperly

The Equifax report suggests that my information was part of what was included in the leak. At this stage I 've requested the 90 day fraud alert, but Equifax has not activated the service on my account nor notified XXXX or XXXX to my knowledge. I want to know what steps are being taken to further protect my information and my credit history from being misused.
Complaint sub-issue: Reporting company used your report improperly

I am a natural flesh and blood human being having rights under15 USC 1681.

Equifax is governed by 15 USC 1681. Equifax has violated my rights numerous of times. 

According to 15USC 1681 : I have the right to Privacy, which I did not grant Equifax WRITTEN permission to furnish these accounts. 

Accounts 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 XXXX XXXX XXXX