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

I sent a 15-day demand letter for the method of verification. I disputed inaccurate and unverifiable information with Equifax in which they came back as accurate. At that time I was paying for Equifax consumer service where I was able to see my credit report daily. After the demand letter, I was not able to see anything. I called their online customer service and they too were baffled after having 2 open tickets no one was able to see it. However, I went into myequifax.com where I have access to the breach and I am able to see my information dated XX/XX/XXXX. 

I received a stalling letter from Equifax stating that it was unable to locate any file with the address XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, GA XXXX, however, I have attached 2 files on page 240 dated XX/XX/XXXX present address is listed and on page 157 XX/XX/XXXX both with that address. 

Equifax 's blatant disregard for FCRA has affected me adversely has I needed to move by XX/XX/XXXX. Because of Equifax 's continued reporting of this inaccurate information will be homeless by XX/XX/XXXX, as I got a 1-month extension. 

Additionally, I started additional disputes that should have been completed by XX/XX/XXXX per Equifax 's own estimation. Those requests too are stuck in never-never land, and when calling the representative they could give no answer as to when the dispute would be closed. 

Additionally, in XX/XX/XXXX XXXX XXXX XXXX notified the bureaus to delete items. I emailed and have disputed items with Equifax and their response is it has come back verified. How is that possible when this letter exists stating to remove it. Equifax never even took the time to conduct a dispute.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX 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 XXXX has me at a score around XXXX. 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 60 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 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 60days 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 21 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: Threatened to sue on too old debt

I am being harassed and threatened by XXXX about some debt owed that I do n't recall. They say I owe Over {$9000.00}. 

They contacted me and surprised me and pushed for me to settle the account. I did not know what to do with being threatened with court and the balance. 

I in duress set up a plan based on the threats. Once I got home I still could not remember aby debt from Cash Call. They said I probably took out a loan for {$2500.00} but I owe over {$9000.00} now. 

I requested some kind of proof to show me what the bill is and they refused. They told me that " they will only send proof to an attorney so I better get an attorney ''. I ca n't afford an attorney for a debt I font even remember or know is mine. I requested proof several times and told them I dispute this debt until proof of the debt is supplied. 

XXXX who is the collector said that I am an irresponsible person and I should be checking my credit once a year. I pulled my credit and could not find this debt. 

They just emailed me that they are sending to the fraud department for investigation. All I asked for is something showing it is my debt. 

I ca n't handle the threats and abuse anymore.
Complaint sub-issue: Investigation took more than 30 days

I have filed a dispute in regards to the incorrect information on my credit report. It has been over 30 days and I have not received any investigation results.
Complaint sub-issue: Account terms

I have disputed these XXXX XXXX it has XXXX accounts listed when there was only XXXX account to start with that was actually from fraud. the account report wrong dates, payments, terms, amounts, and balances. I did not know how to approach the situation about the fraud and was sued i found out when i was in the process of buying the house so i ended up paying the judgment and i am still trying to refinance because the credit bureaus refuse to correct this information it is causing me great financial harm the judged learned what happened he removed the judgement. Upon speaking to XXXX they stated that they are not verifying this information with the credit bureau. The credit bureau will not remove this information. I am including the offical stamped letter from the judge stating that the debt that i have with XXXX is satisfied.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

1. On today, XX/XX/2020, I authorized XXXX XXXX, a third-party marketing firm, the ability to conduct a soft inquiry or promotional inquiry on my credit report, for the purpose of providing me with pre-approved loan offers. I clicked on : " View my offers '', below which it states : " Don't worry, this loan request will not affect your credit score. '' 2. I received pre-approved offers from several loan companies, including XXXX XXXX. 

3. At approximately, XXXX XXXX, I received a call from the XXXX XXXX branch in XXXX, Georgia, phone number XXXX XXXX XXXX XXXX. 

4. The individual asked me several questions about my income, and then said he needed my consent to conduct a hard inquiry on my credit report. He said he could make no loan offers until I give my consent. 

5. I said I would not be willing to do that, and hung up the phone. 

6. Within seconds, I received a notification from XXXX XXXX that a hard inquiry from XXXX XXXX XXXX had appeared on my report. 

7. I called the branch and requested to speak with a manager, was told the manager would call me back, but I have received no phone call.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX, Equifax and XXXX  are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX  and XXXX since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
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 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for a purpose.
Complaint sub-issue: Investigation took more than 30 days

These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 35 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me. It is clearly stated in Section 611 ( a ) that failing to investigate these matters within 30 days gives a reason to immediately remove these things off my credit report immediately. It has been 35 days, so they should be erased immediately.
Complaint sub-issue: Problem making or receiving payments

Subject : Discover/XXXX Restriction XXXX Discover deliberately restricted access to money transfer feature, XXXX, for many Cashback Checkings account holders with no upfront announcement prior to system maintenance. Features were limited and unable to be used several weeks before formal announcement was made via email in late XX/XX/2022. Spoke with many Customer reps about issue on several occasions with no real explanation to issue ; Discover reps would continue to point the finger at other third-parties being responsible for the issues. During this system maintenance, the ability to use XXXX has been COMPLETELY RESTRICTED at ALL banking institutions ( not just Discover ) and many customers were unethically placed on XXXX Global Restriction [ derogatory negative reporting ] due to the actions taken by Discover. It has been nearly been 2 months since issue began and still no resolution. Discover continues to admit that the issue is with other third-parties ; despite them being entirely responsible for the amass issues they have caused for many other account holders. 

Here is a link to others experience on the issue : XXXX XXXX XXXXXXXX Finally, Discover needs to have some integrity and right these wrongs that they are solely responsible for. An Executive needs to step up and take responsibility for this fault and do the work to correct these unethical business operations.
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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Complaint sub-issue: Their investigation did not fix an error on your report

I didn't authorize theses company to pull my credit report XXXX XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX, & XX/XX/XXXX. I have filled numerous grievance about the matter but to no avail. I even send the paperwork to all three ( 3 ) reporting agencies, their reply is that the information reported is correct ; yet when I asked for proof that it's me requesting theses credits they reply it matches my credit filled, so all these inquired into my report has lowered my credit score and the agencies refused to remove theses inquired, even when I submitted the request I sent to theses company to remove their inquires for credit, because I didn't request credit from their companies
Complaint sub-issue: Their investigation did not fix an error on your report

Despite two written requests, the unverified items listed below remains on my credit report in violation of Federal Law. Equifax is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their investigations, Equifax stated in writing that the account verified that the items are being reported correctly? I received no written verification of who verified these accounts? Equifax did NOT provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Equifax also have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). As such under Section 611 ( 5 ) ( A ) of the FCRA Equifax is required to promptly DELETE all information which can not be verified. yet they have not.
Complaint sub-issue: Transaction was not authorized

On XX/XX/XXXX, there was an {$1000.00} unauthorized transaction made from my cashapp account. The money was taken out of my bank account, I did not make or authorize this transaction.
Complaint sub-issue: Other problem getting your report or credit score

lexis sent me a " we removed some things but were not going to tell you what or send you a new report letter because we dont trust you '' letter. 

This is illegal. If changes were or were not made to a consumer credit file, the consumer MUST be sent a corrected copy, not have to begging for it. 

Furthermore I dont think ALL of the requested items were purged.I provided plenty of information from the data furnishers themselves. 

" public records '' was never officially defined for me. WHO? people have names. PIs have licenses. courthouses have county names. sherriffs are not allowed to slander people. companies are not allowed to extort people. 

This needs to be corrected on all legitimate and nonlegitimate CRAs reporting or reselling ANY information whatsoever. 

company REMAINS IN NONCOMPLIANCE with FCRA.
Complaint sub-issue: Information belongs to someone else

Noticing a XXXX credit card on my credit file which I never applied for anything of that nature yes I am a victim of identity theft someone was apparently stealing out of the mailbox at my mailing address they obtained my personal information my old phone number my social which was on mail from the social security office. My complete identity was stolen to the point they even act like they were me to get access to my credit report information and change things on there.
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

A lady named XXXX XXXX keeps calling my cell phone and work phone number leaving messages. Saying she has a warrant for my arrest. XXXX. She is with XXXX XXXX XXXX. There number is XXXX. Original debt was with Bridge Solutions. Now they bought the debt I only owe {$70.00} now this company is saying {$2200.00}. The original loan was {$250.00}. They keep calling my job.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX Account Name XXXX XXXX XXXX Account Number XXXX XXXX. 
This account needs to be removed. This is from 2008. It is 12 years old.
Complaint sub-issue: Not given enough info to verify debt

I have notice per credit report that Enhanced Recovery reports that I owe XXXX for cellular services. I have never had an account with XXXX. They have not sent me any documents nor was I provided a contract with my signature or acknowledgement of this.
Complaint sub-issue: Problem getting your free annual credit report

XXXX   XXXX ,  2017 , I mailed the Annual Credit Report Request Form  to Annual Credit Report Request Service i n  XXXX , Georgia.   I have received my credit report from  XXXX  and  XXXX . I have not received my Annual Credit report from Equifax.   Today is  XXXX   XXXX ,  2017 . I pulled up EQUIFAX website and chatted with someone. They gave me  XXXX . It asked to press  1  if I wanted to complete a survey after the call. I pre ssed 1 and  then "  XXXX  '' answered the phone. He asked questions to confirm my identity. He was very rude and kept interrupting. I would ask him a questions and he would not answer them and simply reply that I would be sent a copy of the report in the next 15 days.    XXXX  also stated he did not have it in his system that a report has been requested. He gave me confirmation #  XXXX  said it is in the way and hung up.   The system did not allow me to complete the survey.     Does it take 30 days to get my report? I tried to do it online, however, it said I did n't answer a question correctly and stated I had to request it in writing.
Complaint sub-issue: Billing problem

I acquired a loan thru Gateway One Lending & Finance, a TCF Bank Company approx. 3 years ago thru a application at a car dealership for the purchase of a used vehicle. I have contacted Gateway numerous times ( in writing and verbally ) explaining that I work at a Healthcare facility and do not want to be contacted while at work. I have explained they are able to contact me via my cell phone, usps mail or via email. I sent a email on XX/XX/21 telling them they are not to contact at work. They email was received and responded to by a Gateway One representative. This company continues to use illegal and underhanded collection techniques and in the past have contact friends and family. I would like to file a formal compliant against this company and their continued illegal practices.
Complaint sub-issue: Debt was result of identity theft

I learned from my credit report that someone in Michigan had opened a XXXX account under my name. I sent an Identity Theft Claim to XXXX in XX/XX/XXXX. I never heard back. In XX/XX/XXXX I received a Collection Letter from ERC referencing the XXXX account. 

I have never lived in Michigan. Earlier in XXXX I had been the victim of an identity theft, again in Michigan, when someone purchased a car in my name. That case has been resolved. I placed a Fraud Alert on my credit reports as a result.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have called Citibank twice now in last 6 months for Credit Line increase to my Best Buy Credit card account. 
Both times they have run Hard Credit Inquiries with out seeking permission from or prior approval from me. 
Yesterday when I called them on XX/XX/XXXX, they told me that Credit inquiry will not be made and then they made a Credit inquiry, after telling me that inquiry will not be made.

This is not good faith business practice.
Complaint sub-issue: Banking errors

I opened an AnyDeposit Checking Account with Bank of the West on XX/XX/XXXX. There was a promotion of {$150.00} Bonus if I did certain requirements. {$100.00} for a Direct Deposit and another {$50.00} if I used my Debit Card to do 10 POS Transactions during the 2 months following the month I opened my account ( i.e. XXXX and XXXX ). It was mentioned that the payment will be issued by XX/XX/XXXX. Yet I received nothing. 

To be sure, I talked few times with the customer service. Once was on XX/XX/XXXX for some general questions about the bonus. Once on XX/XX/XXXX to confirm that I am eligible and that I am doing the right steps. Then once on XX/XX/XXXX ( after I fulfilled all the requirements ). I was told then that I QUALIFY and I SHOULD BE receiving the bonus by XX/XX/XXXX, On XX/XX/XXXX, I gave Bank of the West a call asking them if I will be receiving the Bonus in the next 2 days ( I've known people that have already received their bonus by mid of XXXX or a little bit after ). That's when a supervisor informed me that I don't qualify cause someone from Mid of XX/XX/XXXX until mid of XX/XX/XXXX claimed the same bonus living at the same address I am in ( I am aware of this fine print detail ) .However I have been living at the same address since almost 2 years and I've asked other tenants residing in the same address if they actually deal with Bank of the West , None had any accounts with Bank of the West. 

I am not sure how Bank of the West is claiming that someone residing in the same address collected the same bonus over the last 2 years. It is clear that they don't want to pay out the bonus. I stepped into a Bank of the West in XXXX to try to resolve the problem. This was on XX/XX/XXXX and I've spoken with the branch manager and promised to call me the following day after consulting with the office that is responsible for paying out the bonuses. Branch manager didn't call me. I went once again on XX/XX/XXXX, then I was promised that I will receive a call after few hours. Nothing again. Today is Monday XX/XX/XXXX and it's already almost XXXX XXXX  and I didn't received a phone call today as well. 

Unfortunately due to the above circumstances and the failure from bank of the West to resolve the problem, I decided to escalate this issue to the CFPB.
Complaint sub-issue: Problem with balance transfer

Citi Card company has kept charging me an interest although there has been no late payment ; I have paid in full or more money for the standard purchase every month. I called and visted their office, but their explanation was different every monthe. For example, first month ( XXXX ), they admitted their mistake and wavered the interest they charged. 
Next month ( XXXX ), they said there will be no interest if I paid in full for the standard purchase. 
This month ( XXXX ), They charged the intrest again even though I paid in full for the standard purchase. They said they have to charge interest until I repay whole balance including the balance transfer which interest should not be charged until XXXX, 2020. For example, I did balance transfer for {$6000.00} about six month ago as Citi Card said there will be no interest untill XXXX, 2020. For that reason, I paid a fee of {$180.00} for the balance transfer. I think Citi Bank is cheating people with the misleading advertisement and information. I attached Citicard statement for the month of XXXX, XXXX, XXXX, and XXXX.
Complaint sub-issue: Information belongs to someone else

Fraudulent accounts have been added to my credit report causing me grade harm, and compromising my ability to obtain credit, my identity was used to establish these accounts, I Have learn that this report had to be completed as one of the steps to report this incident.
Complaint sub-issue: Account status incorrect

Hello, i had financed a laptop for my wife for her birthday from best buy, i put more then half down i think it was XXXX $ around there, then i can back maybe a month or two after and paid it off in full in cash, either i got robbed by the person that was at the counter or best buy robbed me because i paid it off and now its on my credit score. 

NOT COOL!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

NEVER AGAIN!
Complaint sub-issue: Frequent or repeated calls

My Macy 's bill was due XXXX XXXX. By XXXX XXXX I received XXXX phone calls. The first call was at XXXX and the last call was at XXXX. On Sunday, XXXX XXXX I received another call at XXXX XXXX. On Monday, XXXX XXXX, received XXXX more calls in the afternoon hours between XXXX. On Tursday, XXXX XXXX, I received another XXXX calls. XXXX at XXXX and the other later in the afternoon.on Wednesday, XXXX XXXX I received XXXX more calls, the first coming in at XXXX and the last at XXXX. On Thursday, XXXX XXXX, I received a total of XXXX phone calls. The XXXX call was at XXXX. After which, I went online and made a partial payment to try and subside the calls. I continued to receive the for calls after I made the partial payment. Later that evening when I got off work, I called and complained about the harassment. They made a note in my file. There was no apology, just blaming the automated system they have. I can understand calling a person once a day after there bill is late, but only being late by a week should not substantiate nearly XXXX calls in that week alone.