Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Their investigation did not fix an error on your report

Defamation of character
Complaint sub-issue: Personal information incorrect

Before the state of Michigan was closed due to the pandemic caused by COVID-19, every financial obligation I had was paid on time as my credit records reflect. However, during the pandemic, no one was working and afterwards because of health complications ( XXXX, XXXX, XXXX XXXX ), my physician ordered me to refrain from working due to concerns about contagion as I am XXXX and my profession is XXXX. 

I paid all debts as expected during the pandemic except unsecured credit cards. I sent letters to all creditors in this group explaining my situation and requesting forbearance or settlement of the debt at a lower amount. I settled 4 debts. Two refused a settlement and sent my record to collections.

My current issue that is unresolved : Despite paying my debt obligations on time every month-religiously, my credit scores continue to fluctuate. One day the amount is XXXX, the next day, it drops to XXXX or something like this every day. I am monitoring it because I will be moving and will need an accurate credit score reflecting my history of paying debts. 

I have tried credit repair bureaus and have sent numerous documents to all three credit reporting bureaus that included-in the case of XXXX  XXXX credit card-proof that we settled the account, but somehow incorrect or punitive information is reported about me and threatens my ability to lease or purchase a home.
Complaint sub-issue: Deposits and withdrawals

This is the third time that Citi Bank account services has claimed to lose my XXXX transaction after they claimed it should have reflected on my account ledger. Once I called the bank and put up a fuss about it , they told me that it’ll take 2 hours to release the funds. Unfortunately, they requested that I put in a dispute to release my funds. What brought me to this site today was that my bank told me that funds in the amount of $XXXX had “disappeared” and should’ve been in my account. I spoke to 4 different customer service representatives who all gave me a different story on why I didn’t receive funds that I so desperately needed . On one occasion I found where the money was missing and the bank had to do an investigation and replenished the money that “disappeared”. So this is not the first time for losing money that should reflect in the system.I would like to have an investigation into Citi Bank accounts in general. I’m sure I’m not the only person that this is happening  to. The bottom line is that Citi Bank claims that once the deposit disappears (that’s their term) that there needs to be an investigation on why the money disappeared and I have to wait 10 days for a provisional credit for money that belongs to me but clearly visible to the bank on their end. One customer service rep said that, “it’s not released wait 2hrs” , another says,”their not sure why it’s not showing on the account. It looks like it disappeared “, another says that”I have to wait a certain amount of business days “. This is bananas!
Complaint sub-issue: Investigation took more than 30 days

In  XXXX , my wife and I sent the attached letter to Equifax, requesting them to investigate errors on our credit report. My wife received her response 2 months ago, with the results of her investigation, however I have not received anything back from Equifax. I have even written Equifax multiple follow-up letters, but they will not send me the results of my credit investigation.
Complaint sub-issue: Information belongs to someone else

I noticed a collection account added to my  report  XX/XX/17  f  ro m  XXXX   XXXX . I immediately sent a letter via certified mail, fax and to the thei r executive em ails on   XX/XX/17  t o verify and validate this debt.   XXXX    notified Equifax that this account was being disputed  HOWEVER continued to collect on this account without sending me documents to validate and verify this debt. I immediately notified   XXXX   XXXX   of their violation and their failure to respond to my letter within 30 days. I also sent all necessary documents to Equifax requesting deletion for the c ompanies failure to comply with my request and the fdcpa. I filed a complaint wit h the BBB, CFPB an d the attorney Generals office in both Texas and Washington against   XXXX   XXXX  , and the company sent a response that they would immediately send a request to the credit bureaus to remove this negative account. I have attached that letter for your rev iew. I have called Equifax and spoke with a supervisor would could not confirm that they received my packet with over 60 pages of documents to validate my request even though it wa s sent certified mail and a return receipt was delivered to me. This is frustrating and this inaccurate data is affecting my credit report. Please remove it at once.
Complaint sub-issue: Debt is not mine

I have disputed an XXXX account with Enhanced Collections. I have never had an account with XXXX. I contacted Enhanced directly and asked them to provide proof of this account. They have not done that. 
I then disputed it with the bureaus and it remains. This is a violation of my rights under the Fair Credit Reporting Act.
Complaint sub-issue: Problem using a debit or ATM card

All kinds of scandalous XXXX going on with this nation including you and pnc bank aye? What a joke. Must be part of the XXXX breakdown y'all involved as well?
Complaint sub-issue: Information is not mine

I have disputed a fraudulent account listed on my credit report twice, and I am still fighting to get the account removed. I provided the identity theft complaint as supporting documentation with the XXXX dispute, which included the police report number, and XXXX 's name who filed the report. I have explained to them that the police report with the identity theft complaint is XXXX pages total, and that 's why I have n't sent the actual police report. Equifax used the same identity theft complaint to place a security freeze on my file, but I still have to go through XXXX to get this fraudulent account removed, that is included in the identity theft complaint as fraudulent. I called the creditor yesterday several times before they could even find this account in their system, and when they finally located the account, they admitted that they received the identity theft affidavit on XX/XX/2016. This account was removed/blocked by Experian on approx. XX/XX/2016, and creditor was notified by them. I called Equifax again yesterday after talking to the creditor ( XXXX ), and told them that XXXX is acknowledging that this is a fraudulent account, so how do I get this removed. Equifax told me that I would have to send a copy of identity theft affidavit/police report with a request to remove the fraudulent account, also a copy of ID and social security card. Even though I have provided a copy to them, and again, this was the same identity theft report they used to place security freeze on my file, I faxed it to them again because I simply want this account removed so I can get on with my life. This account is damaging my credit!!! This is not even my account, and I have gone through XXXX to clear my name of fraudulent accounts/information that has caused enough damage to my life. No identity theft victim should have to go through this, calling credit bureaus/creditors in tears over what should have been resolved by now. I called Equifax again today XX/XX/2016, and they ca n't even confirm they received the block request, all the other documents they requested, which was faxed yesterday. I wanted to make sure they received what was requested/required to resolve this fraudulent account, and they ca n't even tell me that much!!! They said I have to wait XXXX hours to even find out if they received the fax. What do you mean XXXX hours? This is beyond ridiculous. And this is the same information they were given already, because they used it to activate my security freeze. Do I have to take legal action to get this fraudulent, inaccurate information removed?
Complaint sub-issue: Funds not handled or disbursed as instructed

Bank of the West again, all they did was steal my money, then just closed my account without warning, or another regard to my banking issues. There so bad that i have pending returns active right now that are going right to there pockets, because they cant be reached by phone at all, they cant be reached by email, and they locked my account so I cant even request a statement or receive and ask for my refunded funds back. I mean who the XXXX dose there bank think they are. Its XXXX and I have no other way to getting a hold of them. they just make up XXXX as they steal my money from me. I hate this bank with every once of hate i have toward a company. They steal your money and there is nothing ANYONE dose to stop it!!!!! So now what, they will respond with a bunch of XXXX, that wont do anything, and they get away with stealing my money again. The owe my XXXX for all the returns that they have keep to them selves. but will i see any of that money ... ... .NEVER!!!
Complaint sub-issue: Didn't receive enough information to verify debt

I received a notification that a medical debt was sent to collections. I have not received a single letter or phone call regarding this debt therefore I can not verify that the information surrounding this collection is correct.
Complaint sub-issue: Debt is not yours

I do not owe I.C. System monies, nor have I ever had an account with this company. I have sent dispute letters on XX/XX/2021 and XX/XX/2021. As of today, I have not received any documents referencing I have an account with them.
Complaint sub-issue: Public record information inaccurate

I have a Public Record on my credit report for a bankruptcy that does not belong to me. US BKPT CT TX XXXX XXXX. I contacted the court about this public record and they told me that they do not send anything to the credit bureaus. I then contacted XXXX, they sent me a letter that I attached that they can not find a file record under my name, full social, address and date of birth. I have attached a copy of the letter from XXXX. Please remove this item off my credit report please.
Complaint sub-issue: Card opened as result of identity theft or fraud

I AM A VICTIM OF AN IDENTITY THEFT AND SOMEONE PRETENDED TO BE AND THEY OPENED AN ACCOUNT AT DISCOVER FINANCIAL SERVICES. THIS ACCOUNT WAS OPENED MAINTAINED WITHOUT MY CONSENT. I HAVE TRIED NUMEROUS TIMES TO SEND MY IDENTITY THEFT REPORT, POLICE REPORT TO THE BUREAUS AND TO DISCOVER BANK DIRECTLY. I HAVE ALSO SENT THEM MY POLICE REPORT. I MA NOT REALY SURE IF THEY WILL BE ASKING FOR BLOOD TYPE. THIS IS A FRAUDULENT ACCOUNT, CHARGES ARE FRAUDULENT AND ITS EFFECTING MY LIVELY HOOD.
Complaint sub-issue: Received bad information about your loan

They are saying I am out of school as of XX/XX/2018. They did not do their research. The new school session started on XX/XX/2018 and I am currently a XXXX   XXXX. Also, the school on the loan needs to be updated to XXXX XXXX, they have the wrong school attached to the loan.
Complaint sub-issue: Can't get other flexible options for repaying your loan

On X/X/17 I received a statement from Discover Student Loans which disclosed that I have only paid {$18000.00} and only {$1600.00} went to the principal of the loan. {$17000.00} went directly to the interest of the loan. My credit rating and my co-signer 's credit rating has been negatively effected. The company changes the monthly amount expected as the interest rates change. After paying {$18000.00} in one year, I feel their tactics are predatory and unconscionable. Federal student loans are regulated by the government for debt to income and options for repayment. Private loans such as this one, have managed to gone unregulated. Anytime I have attempted to reach out to Discover Student Loans they are unwilling to to find additional options to help. I have expressed numerous times that I am having trouble finding consistent full time work and that their payments are just too high.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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: Their investigation did not fix an error on your report

I recently submitted a complaint with you about a bankruptcy and how it was being wrongfully reported by the credit bureaus. In response, you sent a letter to me dated XX/XX/22 saying that the information I submitted didn't seem to be me?? I'm confused as to what that means? I happen to have been learning about my rights as a consumer and know about the FCRA and certain laws in it that pertain to my bankruptcy being reported without a proper investigation having been done by any of the 3 bureaus. So I'd like to submit another complaint to follow up about the issue, all 3 bureaus claim to have verified the account as accurate, but clearly have not done or been able to provide a method of verification. The court NEVER reported it to them, so who did they verify it with as having accurate information then?? If you could please treat this new complaint as a serious matter, I and my family would greatly appreciate it as we are trying to put the pieces back together from the last few years. Under 15USC 1681 ( 5 ) ( A ) States If any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer. An item of the information is found to be inaccurate or incomplete or can not be verified, the consumer agency shall - ( i ) promptly delete that item of the information from the file of the consumer, or modify that item of information, as appropriate, based on the result of the reinvestigation; and ( ii ) promptly notify the furnisher of that information has been modified or deleted from the file of the consumer. The bureaus have also violated my rights under 15USC 1681 602 A and 15 USC 1681 604A Sec 2 that state I have the right to privacy and that an account can not be reported without my consent or instructions. Thank you for your help, we greatly appreciate it.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Please remove the following fraudulent inquiries on my report XXXX   XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX-XXXX/XXXX XX/XX/XXXX
Complaint sub-issue: Personal information incorrect

I was just going over my file I saw a few addresses that do not belong to me on my credit report. I was looking into getting a Government Job when I noticed the errors in my personal information. My address is XXXX XXXX XXXX XXXX XXXX OH, XXXX. I have been at this for over 5 years. The following addresses do not belong to me. I XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX # XXXX XXXX OH, XXXX XXXX XXXX XXXX CT XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX
Complaint sub-issue: Information is missing that should be on the report

I attempted to access the online dispute functions on the Equifax website on Monday XX/XX/2018. I was able to access it, but it timed out before I finished my dispute, so I logged back in to try again. This time all three security questions contained lenders/creditors I didn't recognize as they pertained to the questions and I answered none of the above for all of them. Apparently I answered one or more of them wrong because I was locked out of the account. I tried calling equifax today and spent an hour on the phone with them with no success in regaining online access to disputes and my credit report. I was informed several times during this phone call that my name was incorrect and and that I could only get upper level website support if I was a paying customer. Both the customer service representative ans supervisor claimed my name issue was at the fault of the creditors. On my other credit reports I have several versions of my name reported because of the way different creditors report items, but Equifax only had one name and it was incorrect. In 13 years of credit history they have only one name listed for me. It is absolutely impossible and can't be the fault of the creditors when those same creditors report to other agencies properly. I was told I could get a report mailed to me but could not regain access to the online dispute and would have to fax them a letter with my driver 's license and social security card in order to make any disputes and correct my name. I have no idea how these procedures are similar or vary to other credit agencies, but I'm deeply concerned about the name variance and abnormal creditors listed on my security questions.
Complaint sub-issue: Information belongs to someone else

Such as I viewed my credit report and noticed an account that i have never applied for nor had communication with.
Complaint sub-issue: Information belongs to someone else

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

Theres an apartment community showing as a collection on my credit report with Equifax by the name of XXXX XXXX and creditor by the name of XXXX XXXX which isnt mine..Ive disputed this and its still showing on my credit report ... also theres an apartment by the name of XXXX XXXX and XXXX XXXX on my XXXX  report which I have disputed ... I have never lived at any of these apartments ...
Complaint sub-issue: Their investigation did not fix an error on your report

I sent mailed exquifax a multiple inquiry letter on   X/XX/2017     by certified mail in regards to several inquiries that were being reported on my credit file they recieved it on   X/XX/2017     the request included  XXXX  inquiries that were not factual and I received the same response for all inquiries which stated " inquiries are a factual record of file access '' if you believe this was unauthorized please contact the creditor.according to the fcra rules, Fcra 623 ( b ) (  2  ) and 611 ( a ) (  1  ), it states that any information can be disputed no must be investigated and if you do not investigate and respond, the CRA must delete the disputed information from its file. The fact that I received a response  X  days after they got the information I disputed, one can assume that there was no investigation into this matter. I plan on buying a home in the near future and this many inquiries show a sign of financial trouble when this is not the case. I am sending this complaint due to the lack of investigation into my previous several disputes for the same reason which were my hard inquiries and got the same answer every time within a few days. I never signed anything authorizing anyone to run my credit at all this is unfair practice by a credit reporting agency with no concern for the credit worthiness of a consumer
Complaint sub-issue: Charged too much interest

I have made several balance transfers to US bank on which I have paid fees up front and which carry a 0 % interest rate for a period of XXXX to XXXX  months depending on the then current terms. 

XXXX of these transfers was for {$170.00}, and was to have a 0 % interest rate that expired with the XXXX of XX/XX/XXXX, this is shown on the attached XX/XX/XXXX statement with a closing date of XXXX, on page XXXX, the XXXX line. 

The XXXX statement closed on XXXX, as shown on the attached XXXX statement, so the 0 % interest on the {$170.00} balance transfer ended on XXXX. On page XXXX of this XXXX statement it shows that I paid the full {$170.00} amount on XX/XX/XXXX and it posted to the account on XX/XX/XXXX, which is XXXX days before the 0 % interest rate was to expire. Therefore no interest should have been due on this balance transfer. 

In the XX/XX/XXXX statement for activity ending on XXXX, on page XXXX, there is an interest charge of {$2.00} related to this {$170.00} balance transfer, when {$0.00} interest was due. I texted with a representative of US Bank today for some time trying to resolve this issue without success. I was repeatedly told that the interest charge was for lagging interest, but if the amount was paid before the expiration of the 0 % rate there should be no interest. 

I know this is not a lot of money, but it is not correct and if this is US Bank 's policy then possibly millions of customers are being charged these incorrect interest charges, resulting in millions of dollars in fraudulent charges and profits for the bank. I stood by end of the deal and I expect US Bank to stand by their end of the deal and not try to change the terms at the very end.