Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

AES slash p h e a and XXXX XXXX XXXX reporting that I was making payments to them and then I stop making payments for 10 months showing 30 late payments on three different loans that are duplicates from three other different Loan Servicing Company which are all paid off including the ones held by these people who say that I made 30 payments. The loans were in deferment during this time and there's no way that I wasn't making the payments because they were in deferment. I wasn't making any payments so therefore there couldn't have been any late payments before or after the loans have been paid in full. I've disputed the loans with XXXX  and XXXX and they're still showing up on three of the XXXX XXXX XXXX has 10 late payments on each loan totaling 30 late payments which is hurting my chance to rent an apartment and buy a car because of the late payments. I had a loan of XXXX one for XXXX and one for XXXX  and they've all been paid off satisfactorily through XXXX. I never made a late payment!
Complaint sub-issue: Problem with customer service

On Sunday, XX/XX/XXXX, I called Citibank Online Support to link my wife 's CitiAdvantage card to our joint checking account to activate auto-pay and paperless billing, which I had already done with my CitiAdvantage card. I gave the young lady all the info requested. She said something about sending my wife a new card. I found this unusual but figured she knew what she was doing. Following the conversation I received an email confirming that my wife was added to my credit card account as an additional authorized user. I immediately called back and spoke to another individual which cancelled that action and connected me to someone else who immediately handled my original request, something she was not equipped to do. Today, XX/XX/XXXX, I called again to confirm that no cards were being sent to me. Before I could speak to someone I heard a recording saying a card was in the mail. When I finally reached a person again I asked about this and was told it was a replacement card in my name. I cancelled that and asked for a confirmation email, something I had neglected to do with my second phone call. I was told I would be receiving it shortly. As of this moment I have received nothing and fully expect to receive that replacement card in the mail.
Complaint sub-issue: Frequent or repeated calls

I have been receiving calls from this company, I did not know who was calling me because everytime they call no one answers. I called them back and talked with some lady, and still didnt know who they were, she said it to fast and unclear. I just told her someone keeps calling my number, but don't say a word, I would like them to stop, she said ok and will have it stopped. On Thursday they called me again twice and both times would not answer me when I said hello ... this harassment has happened before. Including XX/XX/2018 XXXX XXXX and XXXX XXXX  And XX/XX/2018 XXXX XXXX and XX/XX/2018 XXXX XXXX and XXXX XXXX
Complaint sub-issue: Problem lowering your monthly payments

firstly, I never remember taking out a non-federal loan with anyone while in XXXX schoolbut they said it is private so I guess I have to believe them. I have refinanced all of myfederal loans into one payment that I can afford. They started calling me about these and Ihad no idea what I would do. They worked with me at first and gave me low payment that I could afford then the servicer changed from XXXX to AES. The amount doubled and when I asked why they said something about interest and said next month would be lower it wasn't. The next month they called and said it was a temporary plan and this was my new amount. No one in customer service seems to know what they are talking about. I asked if I could refinance this in my federal loan since AES services federal loans and they said " no '' then I explained that I am paying my other loans and have a child and have had to take money from savings to pay the last 2 months. I can not continue to do this- I simply do not have the money and I work 2 jobs. If they can not do something to help me I will have no choice but default. Last year when I did not know I owed them they had a 3rd party  collection agency call me multiple times a day wanting to know when I would be making a payment. They really do not understand the concept you can't get blood out of a stone.
Complaint sub-issue: Information belongs to someone else

i just got my social security number on XX/XX/XXXX and i put it in XXXX XXXX and all the info that shows up is from someone else. She's been using the social for XXXX years. I can't open a checking account because the background is someone else 's information.
Complaint sub-issue: Account status incorrect

EQUIFAX is falsely reporting on my credit a loan. I have no such loan and it is causing my credit harm to have this information on my account. I demand that it be removed from my report. No such agreement between exists between myself and XXXX. The CFPB also states that a retail installment contract is NOT A LOAN making this reporting false and misleading even if one did exist. I am in a title holding state in which if there was a lien holder, I would not have possession of my title. I am in possession of my title and it states it is free and clear of any liens. I also have signed contracts endorsed " without recourse '' in which XXXX recognized and overnighted my titles which was received XX/XX/XXXX. Any deal XXXX made with XXXX after my endorsement has nothing to do with me. UCC 3-415 " ( b ) If an indorsement states that it is made " without recourse '' or otherwise disclaims liability of the indorser, the indorser is not liable under subsection ( a ) to pay the instrument. '' -- EQUIFAX is civilly liable for the damages to my credit for reporting without the proper verification. 15 USC 1681n for willful non compliance should they continue to report but most certainly for negligent non compliance under 15 USC 1681o--
Complaint sub-issue: Their investigation did not fix an error on your report

My Credit Score should be XXXX  at XXXX Exquifax and XXXX. I feel I am by Discriminated against because I am XXXX American.  I feel all three credit Reporting agencies are giving me  low scores to keep me, from getting loans at a decent interest rate. I want an investigation into all three reporting agencies.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2019 my credit bureau receive a hard inquiry from Equifax Mortgage Solution without my authorization damaging my credit score. 
I just want that inquiry to be removed from my credit report.
Complaint sub-issue: Other problem getting your report or credit score

I am having trouble accessing my Equifax account. When I call Equifax they tell me my social doesnt match my name in their system I have tried this process over 10+ times. They told me to send them verification documents. Ex. Social security, Licensed. After documents was sent in they sent me a card in the mail, which said we received your request regarding your Equifax credit file. However, we were unable to locate a credit file for you for one of the following reasons : You have not applied for credit recently : You have not actively used credit in the past ten years : You have not lived in the United States or have not been issued a U.S. social security number I also sent them the documents via fax as shown in the documents.
Complaint sub-issue: Debt was result of identity theft

I have made several attempts to remove this XXXX  collections from my credit report, It's not my account, they have sold the file to a third party called I.C.systems.inc that has tried to get me to settle something that doesn't belong to me, the date they reported the account was opened is XX/XX/2021, for a charge of $ XXXX want this removed from my credit report..
Complaint sub-issue: Fee problem

This is also connected to my complaint with XXXX XXXX # XXXX, XXXX has been totally cooperative! PNC Bank is the problem! PNC Bank is very aware that there is an internal problem with receiving transfers. PNC is doing this to hundreds of customers and accessing late fees and daily fees. I filed a complaint with the XXXX XXXX XXXX and one of their executives responded to my complaint. She wanted a detail of all payments to PNC Bank and now the want the RPPS Sheets stating how they sent the money. Either someone internally is stealing monies, or the bank as a whole is because I have been with XXXX since XXXX of XXXX and there were no issues until XXXX, XXXX. They have assessed a {$40.00} fee for XXXX payment when it has been sent to them and soon, they will be assessing another fee for XX/XX/XXXX. I really need this to be investigated immediately. There are hundreds of customer going through this and someone needs to step in immediately.
Complaint sub-issue: Funds not handled or disbursed as instructed

I was a victim of a scam, and my bank ( PNC ) has decided not to reverse the funds for a total of {$1300.00} which was through XXXX I tried going through them first before reaching out to this company
Complaint sub-issue: Card opened as result of identity theft or fraud

There is a discover card that was opened in my name and on my credit report it shows an incorrect birthdate because this card was opened before my XXXX birthday
Complaint sub-issue: Was not notified of investigation status or results

I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. XXXX without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX XXXX, legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in XXXX ( XXXX ) days to failure to comply with these regulations by the XXXX XXXX XXXX, et Esq. I am maintaining a careful record of my communication with your company.
Complaint sub-issue: Public record information inaccurate

There is a Derogatory Public Record or Collection Filed note on all three of the Credit Reporting agencies. 

I have no knowledge of any collection being filed. 
Previous collection file was due to an error through a debt consolidation company and the hospital they were attempting to pay - but the collection was dropped.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the item which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. Please verify all information is 100 % true accurate and correct and is not untimely, unverifiable, incomplete or inaccurate. 

XXXX XXXX XXXX XXXX Date opened XX/XX/2020 Balance {$390000.00}
Complaint sub-issue: Information belongs to someone else

Equifax and XXXX  should not be reporting a collection/chargeoff or that I am ( 120 ) days late on the XXXX XXXX XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. I have attached a copy of my drivers license and SSN for identification purposes. ) I contacted XXXX XXXX and the representative I spoke with could not verify my name ; address ; phone number ; email or find any account number associated with my name. I requested they contact the credit bureaus and remove these items from my credit report. I was assured they would contact Equifax ; XXXX  and XXXX  and have these items removed however, this has yet to happen. This is a clear violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of a collection/chargeoff and lates is seriously harming my credit score and these line items need to be removed. I have also contacted the bureaus to remove these items but have not been successful.
Complaint sub-issue: Didn't receive advertised or promotional terms

Back in XX/XX/XXXX I applied online for a US Bank Cash+ credit card with a bonus offer of XXXX if you spend XXXX or more. This card also offered 0 % interest for an entire year. I had also received a brochure for this same credit card with the XXXX incentive and 0 % APR offer in the mail, im assuming because US Bank is the lienholder of my mortgage.

After US Bank called to verify information with me about a week later I was approved and received the card in the mail. I made the requisite purchase amounts on the card of over XXXX but had not received the funds. At the end of XX/XX/XXXX or beginning of XX/XX/XXXX, I called US Bank Credit card services to inquire about my reward as it had been well over the 6-8 week process time.

When speaking to customer service they indicated that I was not eligible for the reward even with speaking to a supervisor. The online offer did not come with exceptions and I was even given a full years worth of 0 % interest which was also a part of the offer.
Complaint sub-issue: Was not notified of investigation status or results

Attached are letters regarding inaccurate and unknown items on my credit report. Its been over 60 days and I still have not received notice or a response regarding this matter. There is no way that any of those items listed were considered verified or accurate ; when each item displayed inaccurate information across each bureau. I demand proof or immediate deletions after this complaint as for you are in several violation of the FCRA act. I feel like I am being taken advantage of and will seek legal counseling for punitive damages if this matter is not handled accordingly.
Complaint sub-issue: Unexpected increase in interest rate

Last XXXX XXXX, I called the Citi Bank Customer Service to ask about any offer of Balanced Transfer under our Credit Card. The Customer Service that day responded and informed me that there is an offer an offer for Balanced Transfer that is 0 % APR for 12 months with one ( 1 ) time 3 % Balanced Transfer Fee. 

Upon hearing of the offer, I told the Customer Service that I would like to avail the said Balanced Transfer Offer of 0 % APR for 12 months and I told the Customer Service to transfer the amount of {$8000.00} into our XXXX XXXX Checking Account and the fee for the Balanced Transfer will be {$240.00} ( 3 % of {$80000.00} ) The amount of {$8000.00} was then deposited in our Checking Account after several days. But lasts XXXX XXXX, as I was checking our account online at Citi Bank. I noticed a discrepancy in the interests rate and the amount we were CHARGED WITH. The Citibank Charged us at {$140.00} just for 1 Billing Cycle ( 1month ) which was THE RATE BASED ON STANDARD PURCHASED RATE ( as shown in our statement ) for the Balanced Transfer we did the previous month. 

The term of our agreement lasts XX/XX/2020 for the Balanced Transfer was for 0 % APR for Balanced Transfer for 12 months with 1 time fee of 3 %. 

Citi Bank did not follow through the agreement that I and the Customer Service of Citi Bank I spoked to and agreed on the day the transfer was made. Citi Bank instead have charged us with an APR based on a STANDARD PURCHASED and disregarded the 0 % APR for 12 months with 1 time 3 % Balanced Transfer Fee that we agreed on. 

I called the Citi Bank and ask them why they charged me for something which is different from the agreement that I and the Customer Service I spoked to last XXXX XX/XX/2020 agreed on and they said they will investigate and until now I have not received any response from them.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

A fraudulent purchase was made on my Macy 's card  on XXXX/XXXX/XXXX. As this is a rarely used card and I had paperless billing set up, I did not notice the charge until I started receiving phone calls for my account being past due. The fraudulent purchase was reported to Macy 's immediately upon discovery on XXXX/XXXX/XXXX. They sent me a form to fill out that was dated XXXX/XXXX/XXXX, which was filled out and returned to them with all requested information on XXXX/XXXX/XXXX. I have called them nearly every month to check on the extremely slow progress since then. The majority of the charges were finally removed in XXXX, however, late fees accrued that are directly related to the fraudulent purchase still remain on my account as of XXXX/XXXX/XXXX. In addition, this has reflected extremely negatively on my credit score, as all of this has been reported to the credit bureaus as if I am not paying my bill.
Complaint sub-issue: Account status

This is what I have written to Equifax and the accounts I am disputing are in 3 separate letters and they have failed to do the following : # 1 properly investigate # 2 provide the documentation made available to me under sections 1681 and 609 as well as # 3 correct my credit report *Please see the documents that I have uploaded that contain my disputes. 
In part, this is what I wrote to Equifax : I have specifically made complaints against you to the Consumer Financial Protection Bureau in regards to your failure to investigate the accounts that I have noted as inaccurate as well your negligence in provided the required documentation I request and made available to me under section 1681 of the FCRA as well as section 609. 
Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 

Pursuant to section 1681 and comments by Congress, I have notified you that these accounts are incorrect and I require that you send me all the documentation that upholds the listing that you have on my credit file. Your job is not to " interpret '' the FCRA - Congress states that this is in clear language that you can not simple repeat what the creditors say and that you must go beyond what you receive from the creditors to determine if what you received is accurate or not. You have not done so and I can see that most accounts were not even investigated :
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a letter on XX/XX/2022 to remove XXXX XXXX XXXX Balance : {$7200.00} XXXX  XXXX  XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} RXXXX XXXX  XXXX XXXX Balance : {$0.00} that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again.,
Complaint sub-issue: Information belongs to someone else

I am still being hit with a hard inquiry from XXXX XXXX from XX/XX/2017 on Equifax and XXXX. XXXX had agreed to remove this as this was fraud. I never applied for anything from that and I am unaware why this is still on there. 

I am hoping this hard pull comes off as promised.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX  should not be reporting a collection/chargeoff on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is well over ( 7 ) years old and it is a violation of the Fair Credit Reporting Act to not reflect accurate information on a credit report. This false reporting of a collection/chargeoff of an account that exceeds the time frame to report is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Information belongs to someone else

I have already submitted a complaint to XXXX, Equifax, and XXXX Credit Bureaus last XX/XX/XXXX requesting the verification and deletion of information on my credit file which I consider as fraudulent. Upon reviewing a copy of my updated credit report, the fraudulent items are still reporting on my credit report. I have been waiting for a response from the credit bureaus and yet I received nothing. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following fraudulent items completely from my Credit Reports : 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

These inquiries don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of inquiries that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft DISCOVER FINANCIAL SER Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.