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

I contacted the credit bureaus via mail, online dispute and phone, as well as the creditor. The information provided by XXXX XXXX XXXX is incorrect, and has not been updated in over 18-months, it should be removed immediately as it has negative affect on my credit and I have been trying to resolve for over a year now.
Complaint sub-issue: Account status incorrect

A credit card account I had with XXXX XXXX XXXX XXXX was sold without my knowledge to Elan financial services. I was on an automatic pay plan with XXXX XXXX and when I was not made aware of the ownership change the account went 30 days past due because the automatic payment arrangement did not persist with the new account transferred to Elan. Additionally during the period of the transfer of ownership I had a new job and was relocating so XXXX XXXX did not have updated address information that I could not provide until I found a new residence. As a result I did not receive any communication from XXXX XXXX or Elan about the change. I opened a dispute with the major credit bureaus. I want the 30 days past due removed from my credit report.
Complaint sub-issue: Frequent or repeated calls

One Main Financial has been contacting my phone XXXX times a day regarding a installment loan I have them - however I have enrolled in a debt settlement program who has my signed authorization to speak on my behalf. Yet, One Main Financial continues to call me - rather then reach out to the debt settlement company. 

Additionally, they contacted my place of employment today ( XXXX/XXXX/15 ) in XXXX - which I had previously advised them not to contact me there. I work remotely from home in XXXX, so my cell number is the best contact to reach me - contacting my office does not help as they merely take a message and have to email that I received a call from the said creditor.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I'VE NOT ONLY CALLED EQUIFAX I'M SENT MAIL THE PAST YEAR IN REGARD TO 2 UNAUTHORIZED INQUIRIES ON MY CREDIT FILE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Can't get other flexible options for repaying your loan

I attended XXXX XXXX Online College ( XXXX ) from XX/XX/XXXX-XX/XX/XXXX. Upon enrolling, I was told by my financial advisor that the school was 100 % accredited only to find out 5 years later it wasn't. A few months before graduating, I received a letter stating the school was closing. I tried to enroll into another school to further my education, but was informed the majority of my credits would not be accepted. I have acquired nearly {$30000.00} in student loan debt and I cant further my education because the school was not fully accredited. I have not been able to obtain a job in the field I studied nor have I been able to afford {$300.00} per month for repayment. My student loans have had a tremendous negative impact on my life giving that I was promised job placement and it never occured. I would gladly appreciate any information that you can give me on if I am eligible for a student discharge. I look forward to hearing from you soon.
Complaint sub-issue: Card was charged for something you did not purchase with the card

My card information was stolen in XX/XX/2018, and someone made purchases by using it. I discovered it a few days later and reported it to Citi Card. I received a new card and thought everything was fine. However, I found the unauthorized charges were not fully refunded. I contact them again, they told me their investigation team discovered the case. But it has not been solved yet. They closed the case before the date they noticed to contact them, and reopened by my complaint. And their Debt Department kept calling me due to the unauthorized charges because I didn't pay it. Now I've been waiting it will be solved soon while making minimum payment. I'm really sick and tired to contact them for this case.
Complaint sub-issue: Problem with customer service

Between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, I was contacted by Discover card 27 times. I have never been late and have remained within the confines of my credit limit. Finally, on XXXX/XXXX/XXXX, I answered the phone and was told that Discover was worried about my usage and would I get a {$40.00} credit for paying them on the phone before my due date. This is a clear and wanton violation of the FCRA. I am sure you have similar complaints. If this is not addressed, I will file suit against Discover Card and include the United States Department of Justice as an involuntary plaintiff. 

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

I have reached out to 4 creditors and all have stated that the information and account numbers do not belong to me. I have fraudulent reports on my credit report from companies in Virginia and Arizona when I reside in Illinois. When I spoke with the companies directly they stated that the credit bureau Equifax have placed the accounts on my report in error because the date of birth, name, social security number and address does not match their records. 

So if non of this information matches their records HOW did they verify it? I want answers!!! This information is supposed to be verified before you place it on someones credit. Equivalent should be held accountable for their actions. When I called Equifax they told me that it is impossible for something like this to happen. Well if that was the case how do I have 4 accounts that belong to different people on my report? 

These erroneous reports have dropped my credit score by XXXX or more points. How can we trust that they will report accurately when they do things like this. 

I want these removed from my report Immediately. 

Collection Accounts XXXX XXXX acct # XXXX XXXX Account - XXXX Closed accounts XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX These accounts were added between XX/XX/21 and XX/XX/21
Complaint sub-issue: Deposits and withdrawals

I initiated a wire transfer from my Citibank online account. The transfer supposed to withdraw funds from an external account and deposited into my Citibank account. Citibank took the funds from my external account, however, rejected the deposit. Now {$15000.00} have left my account and Citibank did not posted in my account. Citibank claims to have sent the money back to my account but the other bank can't see it. I have called several times and no one seems to help. By the way, you should look at Citibank USA XXXX account and see several complaints from other customers just like mine.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I have requested that Equifax ( EQ ) update the bankruptcy reporting file date in my credit file. I have submitted documentation supporting the inaccuracy. Equifax is reporting a incorrect file date for the case number XXXX. Equifax replied that I am a credit repair company, due the verbiage use in my complaint. I am enclosing a copy of my XXXX that verifies my name. The XXXX proves a level of competency. XX/XX/XXXX, EQ stated that case number XXXX Chapter XXXX bankruptcy has been verified as accurate and the file date is XX/XX/XXXX. EQ states that the public record information obtain was from a third party vendor XXXX ( XXXX ). EQ states that if I have any additional further questions contact US Bankruptcy Court. XX/XX/XXXX XXXX reported that case number XXXX filing date for Chapter XXXX is XX/XX/XXXX. 
EQ filing date conflicts with XXXX their third party vendor. The US Bankruptcy Court states that they do not report to credit bureaus/agencies. 
EQ continues to report XXXX XXXX XXXX account inaccurately the account balance is inaccurate by approximately {$2500.00} and the balance is 75 % below high credit. 
EQ continues to report a collection without a date of last activity or date of last payment for XXXX XXXX ( XXXX ). XXXX does not have a date of last activity. XXXX only show the date the account opened and the last activity are the same XX/XX/XXXX. Please update my file. XX/XX/XXXX the account wil be in the file for 7 years I am requesting that EQ   permanently report my correct file date as confirmed by XXXX. 
I am requesting EQ method of verification. 
I am requesting EQ update XXXX XXXX account and XXXX account.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Complaint sub-issue: Funds not handled or disbursed as instructed

On XX/XX/XXXX I contacted XXXX now PNC to let them know my personal checking accounts were compromised by one of their employees at the XXXX Ca branch. The employee 's name is XXXX XXXX. I had XXXX business account and XXXX personal accounts. Only one of my business account I had a cosigner, XXXX XXXX XXXX. I had to travel to XXXX due to personal matters ; therefore, I was not in the United States. On XX/XX/XXXX XXXX XXXX gave full access to all of my checkings account including the one he was not a cosigner. She also gave him full access to my online banking giving him my ID and password. With this, XXXX tried to take out money from my personal account. When I noticed all of this, I contacted the bank on XX/XX/XXXX and told them all the situation. On XX/XX/XXXX the bank contacted me and gave me a case ID : XXXX. 
The bank opened an investigation regarding this matter but they did not do anything. The only thing they did was close my accounts and open new ones. The employee, XXXX XXXX, is still working there and I have the same risk that my account gets compromised.
Complaint sub-issue: Account status incorrect

Since XXXX XXXX, XXXX XXXX XXXX have been reporting incorrectly and showing a balance, late payments that does n't exist. The credit bureaus shows that I have a balance of {$370.00} and still reporting as past due. I have called the XXXX XXXX XXXX and explained it to them and they agree with me that I should n't have anything reporting with them. I also dispute this with the bureaus numerous of times without any resolution. Now I 'm feeling ignored because I have shown proof with documents that shows that my balance is zero and I was never late with any payments. However, nothing has been changed by either parties.
Complaint sub-issue: Investigation took more than 30 days

I have been disputing some incorrect information in my credit reports since XX/XX/XXXX. On XX/XX/XXXX I sent dispute letters to the credit bureaus regarding the inaccurate information listed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX  XXXX XXXX. After not hearing back from the credit bureaus and not receiving any responses, I sent another sent of dispute letters via mail to experian, equifax, and transition on XX/XX/XXXX. No response again. So on XX/XX/XXXX I sent another set of dispute letters to the 3 credit bureaus on XX/XX/XXXX. I don't understand why I am being ignored! I have sent 3 dispute letters to the 3 credit bureaus each and not one response! I am requesting the removal of the disputed accounts due to the credit bureaus not responding and failing to comply with the law. It's been more than 4 months and NOTHING! This is ILLIGAL! Please investigate this case and have XXXX, equifax, and transition remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX  XXXX XXXX  from my credit reports .
Complaint sub-issue: Reporting company used your report improperly

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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX
Complaint sub-issue: Debt is not yours

Back in XX/XX/XXXX I noticed a collection on my credit report, I sent a debt validation request to Americollect at XXXX XXXX XXXX XXXX XXXX, WI. XXXX on XX/XX/XXXX and was received by collection agency on XX/XX/XXXX. XXXX. They did not validate the debt, instead they sent me a bill. That is not validation of a debt. Thats why I want to file a report. They are still reporting this on all XXXX credit bureaus. There violating my consumer rights. So Im requesting help to get this issue resolved. Also I sent them a second debt validation letter on XX/XX/XXXX and was delivered on XX/XX/XXXX. They still haven done anything to resolve the problem. Im attaching all documents that Ive sent Americollect.
Complaint sub-issue: Account status incorrect

This problem originally included both XXXX  and Equifax ; XXXX  corrected the issue and removed any reference to XXXX from my credit report. Equifax did not. 
The furnisher company involved is XXXX XXXX  XXXX, a division of XXXX XXXX. 
The company services a mortgage that is under foreclosure and has been for the past 10 years. 
The last payment made on that mortgage was XX/XX/XXXX. 
The resolution they filed with Equifax even had that date but somehow they also claim I made some kind of payment in XXXX. 
I did not. 
The record proposed by XXXX also claims " paid as agreed '' but shows a 180+ days delinquency, a glaring inconsistency. 
In XXXX, XXXX was not the servicer of the loan and it belonged to a different company as well ( XXXX services it for XXXX XXXX, XXXX ; it was serviced previously by XXXX XXXX XXXX which never recorded a payment in XXXX ). 
Attached is an Affidavit from an employee of XXXX that was filed in an unsuccessful bid to foreclose on the house, and which specifies that no payment was received since XX/XX/XXXX. 
Also attached is Equifax 's report on the issue. Notice that the information that supposedly came from XXXX is internally inconsistent ; on one page they acknowledge that the date of first delinquency was XX/XX/XXXX ( I'll accept even though it was XX/XX/XXXX, the difference is immaterial ). In another place, they claim payment in XX/XX/XXXX. This is not in keeping with the sworn affidavit or the other statement in the Report. 
When I tried to explain this to the representatives at Equifax, they claimed not to have access to the PDF  I was trying to explain to them and that is attached here, so we had unnecessary difficulty coming around to the inconsistency and source of the trouble.
Complaint sub-issue: Investigation took more than 30 days

I was taken advantage of due to malpractice while several laws were being broken under the FRCA by your company. This has caused me financial injury and defamation of character. I can not get a job, buy a house or apply for any credit. This has hurt my ability to obtain credit.
Complaint sub-issue: Talked to a third-party about your debt

NOTICE YOU BROKE THE LAW To : XXXX XXXX XXXX XXXX, XXXX XXXX President On XX/XX/22 I, XXXX XXXX a consumer received a letter from XXXX BANK stating that they sold or has been used or transferred my personal information or shared my financial information with another corporation or entity without my written consent or authority. Pursuant to 15 USC 1681g ( XXXX ). I am a victim of Identity Theft caused by XXXX BANK Racketeering activities and unfair business practices and may be liable under Title XXXX crimes and criminal procedure. Pursuant to 15 USC 1681 ( a ) ( XXXX ) Congress made it clear that the banking system is dependent upon my consumer report being fair and accurate to me. Congress also made it clear pursuant to 15 USC 1681 ( a ) ( XXXX ) that consumer reporting agencies ( EQUIFAX ) exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. You ( EQUIFAX ) allowing XXXX BANK to furnish inaccurate, unverified accounts along with selling or transferring my personal identification or financial information makes me the consumer, a high-risk Victim for Identity Theft. XXXX BANK actions have caused me to lose confidence in the banking system as a result I will no longer be extending my credit to anyone, nor will I allow you to furnish a report on my behalf as a result. If you would like to do business with me, I am demanding that ALL XXXX accounts be removed or deleted from my consumer file and consumer report IMMEDIATELY or be subject to Civil and Criminal actions pursuant to Federal Laws. 
See EXHIBIT A, EXHIBIT B and EXHIBIT C for violations pursuant to Federal Law 15 USC 1681g ( XXXX ). 
Regards, XXXX XXXX Copy to : Federal Deposit Insurance Corporation ( FDIC.GOV Consumer Complaint Department XXXX Federal Trade Commission ( FTC.GOV Consumer Complaint Department )
Complaint sub-issue: Personal information incorrect

Credit Karma , Inc. refuses to update my legal name after over 60 days since XXXX  provessed my legal name change on XXXX XXXX. After requesting an account closure, Credit Karma , Inc. issued a check payable to my old name that can not be legally cashed to due to the name discrepancy. I have been unable to access {$10000.00} of tax return funds. Credit Karma support informed me that they could only write the check out to the name they have on file, which they refuse to update after I have submitted all related documents to prove the legality of my name change and repeatedly requested for investigation and clarification.

In my most recent communication with Credit Karma support, Credit Karma disregarded my most credit reports from XXXX  and XXXX dated XX/XX/2021 that I provided and insisted that I contact XXXX  to resolve the issue. From multiple calls with XXXX  and XXXX, both bureaus stated that my credit reports have reflected my new legal name for several months and that the problem is on Credit Karma 's side. However Credit Karma support continues to disagree with this assessment and again insists that I contact credit bureaus for resolution.
Complaint sub-issue: Their investigation did not fix an error on your report

THE FOLLOWING NEGATIVE ACCOUNT HAS BEEN REALLY AFFECTING ME TOWARDS ACHIEVING GOALS IN WHICH I NEED TO PURSUE : XXXX XXXX, THIS ACCOUNT SHOWS AS IF IT'S 30 DAYS LATE AND WITH NO BALANCE. PLEASE PROVIDE ME WITH A GOOD REASON AS TO WHY THIS ACCOUNT IS STILL REFLECTING NEGATIVELY ON MY REPORT. IT HAS BEEN MORE THAN FIVE TIMES NOW THAT I HAVE TRIED TO RESOLVE THIS ISSUE AND NOTHING IS BEING DONE. PLEASE REMOVE THIS ACCOUNT BECAUSE IT IS NOT VERIFIED NOR DOES IT PROVIDE US WITH ACCURATE INFORMATION IN WHICH WOULD DISPLAY ON MY REPORT.
Complaint sub-issue: Problem with fees

Citi charges {$95.00} annual fee for the AAdvantage card that I have with them. They have historically waived the fee given that I have been a long time customer with strong credit. This year they did not waive so I informed them I would be canceling. I canceled the card and asked for the prorated fee back ( which they had explained that I would received once I canceled ). 

They informed me that I would get nothing back because I canceled outside a 60 day window. I paid a full year annual fee ( which was paid in XXXX/XXXX statement ) and have received less than 4 months of value. I should be paid the prorated amount back, but Citi will not do so which is completely unethical.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

( a ) Back in 2020 I have submitted to Citi a group of ( 7 ) disputed transactions on my account to which the merchant owed me full refunds. From the 7 transactions, Citi only processed 2 items complete refunds, and 4 items Citi split and processed only partial refunds, leaving the 4 items uncompleted and 1 item skipped in its entirety. I believe Citi mishandled these items as there is no rational as to why 2 items were completed, and 4 just partial split amounts, with one none. The same processed that was followed on the 2 completed items should have been followed on all 7. See attached my letter with full details. ( b ) Citi was also due to refund me for approximate {$6500.00} in interest fees charged on the above mentioned items. None of the interest fees has been refunded despite of repeated promises that I would see those adjustments on my account.
Complaint sub-issue: Reporting company used your report improperly

In accordance wit the fair credit reporting act XXXX XXXX XXXX account number XXXX, XXXX XXXX  Account XXXX XXXX ; XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXy Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX ; XXXX XXXX XXXX  Account XXXX XXXX ; XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX ; XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX ; XXXXXXXX XXXX Account # XXXX ; XXXX XXXX XXXX  Account XXXX XXXX ; XXXXXXXX XXXX XXXXC Account # XXXX ; XXXX XXXX XXXX Account XXXX XXXX ; XXXX XXXX XXXX Account # XXXX ; 15 USC 1681 Section 602A States I have right to privacy. 

15 USC 1681 Section 604A Section 2 also stats a consumer reporting agency can not furnish an action without my written instruction. ;