Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Personal information incorrect

On or about XX/XX/2022, I sent certified letters to XXXX, XXXX, and Equifax, notifying them of inaccurate personal information on my credit report and requesting that they update the information as I have been a victim of identity theft due to the data breach of Equifax, and most recently XXXX and XXXX. I also completed online Dispute Requests to correct the information. To date, XX/XX/2022, the information remains inaccurate. My name, address, and phone number are still incorrect. I have ONE mailing address and any other mailing address is a non-mailable address. I have one correct spelling of my name and one accurate phone number. Yet, all 3 credit bureaus have either refused to update my information, and/or not responded to my correspondence in the required time by law.
Complaint sub-issue: Deposits and withdrawals

I made a deposit via PNC Bank 's mobile phone application on Friday, XX/XX/2019. I would have made the deposit at their ATM on XXXX XXXX in XXXX, but it was not accepting deposits. ( There was no explanation as to why. ) When I made the mobile deposit, around XXXX XXXX Central Time ( XXXX Eastern Time ), I received a confirmation screen that said my funds would be available on Saturday, XX/XX/2019. This screen also said that if I wanted access to those funds sooner, I could get access for a {$13.00} fee. 

On Saturday, XX/XX/XXXX, when I looked at my account information online, it claimed that my check would not be considered deposited until Tuesday, XX/XX/XXXX, meaning I can not access the funds until Wednesday, XX/XX/XXXX. So, either PNC Bank lied to me when I made the deposit, or they are lying to me now. When I called to try to resolve the issue, they claimed my deposit was made 2 minutes and 46 seconds after their cutoff of XXXX XXXX Eastern Time. If that is true, then WHY did the confirmation screen not tell me that? Also, I no longer have an option to pay a {$13.00} fee to access my funds - not that such a fee would be in any way fair, considering the circumstances. My educated guess is that I DID make the deposit BEFORE XXXX XXXX Eastern, but PNC 's database did not update for several minutes. THIS SHOULD NOT BE HELD AGAINST THEIR CLIENTS! 

I think it is also important to note that PMC Bank uses Eastern Time as the governing time ONLY when it benefits them. It is currently XXXX XXXX Central Time, XX/XX/2019 ( XXXX XXXX Eastern Time ), and my deposit is NOT available yet, even though it is now XX/XX/2019 in the Eastern Time Zone.
Complaint sub-issue: Account status incorrect

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXXXXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX UCS Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Complaint sub-issue: Can't stop withdrawals from your account

On XX/XX/XXXX my husband was a victim of fraud. {$48000.00} was taken from our US Bank account via a wire transfer. I immediately contacted US Bank and was told that the wire was pending. I pleaded with them to cancel the transaction, nope I found out that the funds were released and I might add this was done within 4 hours. Which leads me to believe this was an inside job. I contacted XXXX XXXX via phone and email which he did call me back and told me it was out of his hands, seriously ... He proceeded to transfer me to US Banks fraud department and spoke to XXXX XXXX, his words to me ; i should contact XXXX 's police and find out what happened. On XX/XX/XXXX I filed and FBI and Police Report. On XX/XX/XXXX I received a call from a District Manager, XXXX XXXX telling me that the US Bank is taking action, seriously 1 week later. I was also told to stay out of the XXXX XXXX XXXX, XXXX XXXX, IL. because I made a scene. I will make a scene when it comes to {$48000.00}. On XX/XX/XXXX i wrote to the US Bank 's CEA Mr XXXX XXXX. I got a responds from XXXX XXXX Executive Communications and basically was told I'm out of luck. On XX/XX/XXXX I filed a complaint with the Illinois Attorney General 's office, have not heard back from them. On XX/XX/XXXX I submitted a complaint to the fraund.ftc.gov
Complaint sub-issue: Old information reappears or never goes away

I recently viewed my credit report and see several hard hit inquiries that are required to be removed from my credit report. The inquiries are over 2 years ols. 

XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Debt was paid

Paid the debt in full to XXXX
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

I moved from XXXX to XXXX. I am trying to retitle my car in XXXX. I have called countless times, emailed may times over the last two weeks and still Audi can not get the needed information to XXXX. My tags on the car soon expire, once expired I cant get to have it inspected, but XXXX  will not inspect the care unless Audi first sends the documents.
Complaint sub-issue: Their investigation did not fix an error on your report

I'm just worried about the credibility and clarity of the present examination and also the missed payments pertaining to this particular account and how it is reporting on my credit report. Just about 45 days ago I applied for an assessment for the reason that I felt the item is not being submitted lately. To my shock I was given a document documenting that your evaluation was accomplished and that the item had been " affirmed as correct.
Complaint sub-issue: Other problem

Opened a secured account to build credit now my score is the middle XXXX and the account has been over a year close to 2 years and Discover refused to return the {$250.00} dollars deposited. 
Month after month saying I do n't qualify for promotion to the next level. However, I have received two major credit cards in which 1 is {$4000.00} limit and the other {$1500.00}. Furthermore, I have never been late and Discover is trying to say because of their system glitch that a payment defaulted back to my husband 's account which he closed. Discover received a NSF on a payment. However, I called 24 hours later and talk to rep at Discover which she verified my statement an no fee or late payment was reflected. 
What will it take for Discover to do the right things for the consumers or will we see years later a class action and government fines like XXXX XXXX?
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I called to speak with an Equifax rep at XXXX XXXX  and the rep told me that my collections were removed from my report. I called back in astonishment to verify these results and the new rep told me that the first colleague reported inaccurate information. It was disheartening that the representative would give a consumer inaccurate information and get their hopes up. I asked to speak to a supervisor once on the call with the representative that I spoke to at XXXX XXXX. The representative never got a supervisor on the phone and hung up in the middle of the call. I tried to call back multiple times with no avail. As a consumer, I am upset that the bureau would provide false information after multiple attempts of getting these collections removed.
Complaint sub-issue: Attempted to collect wrong amount

It was time for an upgrade on my account so we went in to get new phones. We went in on Thursday and their system was not fully processing the phones so they asked us to come back the next day. We came back the next day ( Friday ) and their system was still down. So we went back on Monday and still nothing so we returned the 2 phones we did get and canceled the 3rd phone request. I paid my last bill in FULL and went with XXXX. I then recieved a bill for the 3rd phone that we NEVER recieved. I tried going into the store they told I had to call. I tried calling customer support they promised to fix it but never did. I very much care about my credit but I NEVER got the phone. I never even got it. This is not ok. You expect us as customers to pay our bill then as a customer I expect you to do the right thing and not cahrge me for something I never recieved. 
The store we went into was at XXXX XXXX XXXX XXXX, XXXX, WI XXXX
Complaint sub-issue: Information belongs to someone else

I am writing this Due to noncompliance with the CRA Equifax. They failed to remove information that was Affiliated with personal information and Details that were challenged in the past. I strongly believe that they are in violation of the FCRA And out right refusing to uphold the law.
Complaint sub-issue: Information is missing that should be on the report

My long standing account with XXXX is not being reported on my XXXX  and Equifax consumer credit reports.Attached is my XXXX consumer report and a recent XXXX bill. This is negatively affecting my personal credit score.
Complaint sub-issue: Information belongs to someone else

i am so furious i checked my credit report and someone opened 3 auto loans and its reporting on my credit report i didnt authourize this please help me to get these accounts removed
Complaint sub-issue: Threatened to sue you for very old debt

on XX/XX/XXXX at XXXX XXXX I ( XXXX XXXX ) received on my cell phone a call from XXXX ( which is a local call out of XXXX XXXX, OK ). The recording stated " there is a complaint against you and we want to rectify the complaint, please press 1 to take care of the complaint before it goes any further. 
I pressed 1, then a lady came on the phone and asked for XXXX XXXX ( which is my husband ) she stated there was a collection from City Bank  that has gone into collection ( this has nothing to do with a complaint ) it was a collection call. This was very misleading. I know my husband has not had a citi bank credit card since XX/XX/XXXX. she stated the last payment that as made was in XX/XX/XXXX, which I know is incorrect, because he was very ill then and was not taking care of his debts, he has XXXX and has not control over any credit cards. I myself filed bk on all the credit cards in XX/XX/XXXX. And all the credit cards were destroyed in XX/XX/XXXX. No additional payments were made on the card by him I know and I had not paid any payments on the account. I ask for proof that the card had payments on it and she just stated that she was going to collect on this debt and she would damage his credit and sue or we would have to provide her information on our property. First off the call was misleading stating there was a complaint, 2nd she had no business talking to me about his debt when I was not on the card and I advised her he was in a XXXX XXXX ( he is XXXX yrs old ) she would not provide me with any documentation, claim number or their address. She just made threats and stated she would be collecting on this account, I stated Good Luck and she hung up.
Complaint sub-issue: Was not notified of investigation status or results

I refinanced with my existing mortgage company, loancare/XXXX XXXX. While processing over to my new refinance rate, they reported I was not current on my mortgage and subsequently, my credit was affected. I have asked them to correct the error but they have not nor have they emailed or mailed a letter to me to let me know what they are doing to resolve. 

I have since switched to a new company but would like loan care to resolve their error on my credit report.
Complaint sub-issue: Didn't receive enough information to verify debt

This is with regard to an active student loan from Sallie Mae : 1. ) I am from the XXXX have been consistently settling my monthly dues on time except there are system changes or glitches. I have been paying with no disruption since XXXX. 

2. ) I settle via their app using credit card. Since XX/XX/2021 - they have removed this feature and mentioned I can do this online via webpage which was not true. Now I have been late twice due to this misinformation and lack of support.

3. ) I have been requesting to release my co-signer as I have been paying for more than 3 years on my own - since repayment started. They have not done it since 2 years back. 

4. ) Sallie Mae responses have been quite cold and partly I would say due to my location and nationality. I have been deprioritized even though I contribute in your taxes and loan economy.
Complaint sub-issue: Was not notified of investigation status or results

I have sent multiple dispute letters to the bureaus regarding the fraudulent account on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.
Complaint sub-issue: Problem with personal statement of dispute

XXXX XXXX had been performing a series of unfair practices strictly regulated by your agency. The most recent one was a NOT authorized hard credit pull on my Equifax on XX/XX/2019. I disputed with Equifax XXXX this info to ask them to show my written authorization which they failed to do so since I DID NOT authorize in any form to XXXX to request a hard copy of my report to Equifax XXXX or XXXX never did that since XXXX also lowered my max amount allowed on credit card ending in # XXXX making to drop my score from the 600 to low 500. XXXX has continually arbitrary practicing this unilateral practices and this one most recent on XX/XX/XXXX pulling credit making to appear a hard inquire instead a soft when they have the authority to do XXXX took the wrong path and with no written or verbal authorization did this inquire that will be -for non sense- in my report for 2 years affecting credit for my future. With the hope XXXX may follow regulations by Consumer Financial Bureau I'm reaching out to you. Looking to solve this issue soon.
Complaint sub-issue: Information belongs to someone else

In accordance with the Fair Credit Reporting act 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. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

To Whom It May Concern Without my consent or knowledge my credit report from all three bureaus was pulled as a hard inquiry by a company known as ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. My personal statement on my credit reports clearly states that I am a victim of identity theft and I am to be personally contacted before any credit report is pulled on my behalf. My credit has had a credit freeze to not allow for this type of transaction. This is clearly fraud, as I never made contact with this organization for any purpose of any kind.
Complaint sub-issue: Reinserted previously deleted info

I have no knowledge of XXXX debt and I would like it removed as it 's reporting to the XXXX credit bureaus and negatively affecting me
Complaint sub-issue: Account information incorrect

hello XXXX XXXX  has 2 accounts reporting late. They spoke very rudley to me in regards to my explaination of my lates. I was in the hospital and my caregiver paid it. I love XXXX XXXX and plan to contiue to work with them. I plan to pay off my loans with them and buy a new home but since the reported me late I cant. Its a new years and all I want is support from the bank I love. Please why are they doing this to me and my family. I lost so musch this year.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, the following accounts that on my credit report are a violation of my rights : XXXX XXXX Account number. XXXX. XXXX XXXX services Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ( reporting to XXXX, XXXX and Equifax ) 15 U.S.C 1681 section 602 A. States I have the right to privacy and 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish a account without my written instructions and was not authoized by me. I am requesting that these accounts be removed from my reports.
Complaint sub-issue: Information belongs to someone else

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$360.00} XXXX XXXXXXXX {$640.00}
Complaint sub-issue: Problem with rewards from credit card

I received a letter dated XX/XX/21 from Citi indicating that my account was inactive and {$0.00} balance so they had to close my account. 
I did however have a Dividend Dollar balance of {$83.00}. 
On XX/XX/21 I called Citi to see if I could at least get that money back. I was passed to a manager named XXXX who told me that my account was closed and that there was nothing he could do. 
I attempted to use their automated phone system to get a check of my Dividend dollar which their system indicated was a balance of {$76.00}. The phone system indicated that it would take 7 to 10 business days for me to receive my check, but nothing was received. When I used the phone system again on XX/XX/21 - the balance was the same - so I requested a check again - but i'm sure the results will be the same.
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 haven't received a response yet. I feel like I'm being taken advantage of and being ignored for my disputes. section 611 ( a ), it is plainly stated that failure to investigate these items within30 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 gotten into the hands of the wrong person.
Complaint sub-issue: Account information incorrect

showing inaccurate information that balances are incorrect also showing inquires that are not mine XXXX XXXX  over charging on interest rates
Complaint sub-issue: Information belongs to someone else

I was a victim of identity theft, and someone took out an auto loan in my name. The fraudulent loan is from XXXX XXXX XXXX. After calling the credit bureaus they asked me to submit some documents to help me recover my credit since the loan had gone delinquent it was really hurting my credit. I sent in the proper documents that the 3 credit bureaus requested me to send them. They requested a identity theft report, and police report, which I provided as well as multiple documents verifying who I am specifically, my drivers license and a loan payment as verification. I have sent in this information to recover my credit and in no less than a couple of months BOTH XXXX, and XXXX  promptly did a thorough investigation, and removed the fraudulent account. Unfortunately, Equifax has NOT done a thorough investigation even once of this fraudulent account, I know this because I've spoken to the original lender chase, and they said they HAVE NOT received any such documents from Equifax which proves that when Equifax says they have " verified '' this account there's no WAY they can verify it if they haven't actually sent my documents to the lender. If they did, then they would have removed it just like XXXX  and XXXX have. I've submitted this information over 7 times already, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 Equifax has done nothing new, all they say is that the creditor has verified the account, when I know a proper investigation has NOT been carried out, my rights are being violated, please help me. Equifax has all the records and paperwork that I've sent it, so no need for me to attach all the documents here. 

XXXX XXXX
Complaint sub-issue: Information belongs to someone else

In accordance with the Fair Credit Reporting act. 
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXXBalance {$660.00} XXXX XXXXXXXXBalance : {$7900.00} XXXX XXXX -Balance XXXX {$5500.00} XXXXDate Opened : XX/XX/XXXX : XXXX XXXX-Date Opened : XX/XX/XXXXXXXX XXXX XXXX-Date Opened : XXXX/XXXX/XXXX XXXX U.S.C 1681 section 602 A. states have the right to privacy 15 U.S.C 1681c. ( a ) ( 5 ) Section no consumer reporting agency makes any consumer report containing any of the following items of information any other adverse item records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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: Personal information incorrect

I like to order a full XXXX XXXX report, I believe there is some misinformation on my credit report.
Complaint sub-issue: Information is not mine

I have never lived at the address where XXXX authorized an account to be opened which apparently used my social security number. I have lived at my current address for 13years straight. The services that I had with XXXX was at my current address and was paid in full and cancelled and all merchandise returned. I spoke to them over the phone and was told on yes we see your account was closed and current and a refund mailed when closed we will take care of. Now this {$920.00} balance is showing under my social and the address they have is not mine. I currently have XXXX cable services
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting incorrectly that I am 120 days past due on a loan with the XXXX XXXX - Equifax partial account number XXXX and XXXX  partial account number XXXX that have a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these items be corrected. This is harming my credit. It is impossible to be past due on an account that has a {$0.00} balance and {$0.00} past due.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I call and make my payments to XXXX and pay my balance every month over the automated service system and sometimes a real live agent. 

The XXXX XXXX change hands to XXXX XXXX  XXXX XXXX over 6 months ago. I called the credit card company and talked to a customer service rep to update the banking information with the new banking XXXX information the account number staying the same. 
I made several payments after that date using the automated system and a live agent. 
When I called my payment in XXXX to the automated system the bank account they charged was to XXXX XXXX since to my knowledge it was changed in XXXX. 

Discover credit card is stating its a NSF charge it could not have been charge to that account because the bank account under XXXX is non-existent it would not be allowed to be processed. 

I have called many times and ask for them to refund the NSF because it was there error.. 

There were given permission bank in XXXX to remove the XXXX banking information and added the new banking information to XXXX XXXX XXXX XXXX XXXX. XXXX refuses to refund the {$29.00} fee. 


Im am elderly and I need my money returned immediately.