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

I was trying to get a phone for XXXX and they were running my credit and then they were like my Social Security number was not matching my name on my Social Security number was popping up a different name or something like that so Im calling to file a complaint on how to fix this error.
Complaint sub-issue: Public record information inaccurate

I applied for a job and the employer did a background check. In that report it shows that there is a judgment under my previous name, which was XXXX XXXX XXXX. I changed my name since XXXX, when I became a XXXX XXXX. For the past XXXX years I lived in XXXX XXXX XXXX XXXX California and had no relationship with Discover Bank or Discover Bank XXXX XXXX XXXX company. I initiated my relationship with Discover Bank on XXXX/XXXX/XXXX, when I obtain my current credit card with them. The judgement shows case number XXXX, case name Discover Bank vs. XXXX, XXXX XXXX. The report also shows a match with my DOB. When I pull the case # from the XXXX XXXX XXXX XXXX XXXX is shows the same information but includes a principal balance ( Line XXXX ) of {$4900.00}. I contacted XXXX Customer Service XXXX. on XXXX/XXXX/XXXX, the representative who took my call did a research and stated that when she entered my XXXX only XXXX account shows ( my current credit card with a zero balance ) ; However, when she search by the name and the principal amount she stated that there was an account showing the matched that description. This information was later on confirmed by the representatives XXXX. I requested to have a letter that will clearly state that I only have XXXX account with them ( Discover Bank XXXX, with a XXXX balance and that there are no other account ( XXXX ) with them for the aforementioned principal balance link to me, my SSN, and previous name.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I attempted to make a purchase through XXXX XXXX on XX/XX/XXXX for {$42.00}. I immediately noticed that the delivery address was incorrect and immediately called to cancel the delivery. The representative with XXXX XXXX  assured me that they would issue a refund. Additionally, no attempt to deliver food was ever made. Several business days later, the charge was still not refunded, and I called Citibank to dispute the charge. After returning the disputed letter, I received a letter from Citibank that the investigation was complete with no other details. I called and after speaking to multiple people, they informed me that the investigation was still open. Ive now received a letter from Citibank that says they determined that the service I was billed for was provided. I know this not to be true, and had already informed them in writing that no service was received, and the merchant also admits that no service was provided. Therefore, the only conclusion is that Citibank has not properly researched my dispute, and instead has simply closed it with no action. I would like to file a formal complaint against Citibank for violation of the Fair Credit Billing Act by failing to properly follow up on a disputed transaction.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus dated XX/XX/2022 to update these inaccurate records. I think you have not confirmed these pieces of information in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did not apply for credit with these companies and I do not know about theses inquiries on my credit report. In accordance with the Fair Credit Reporting Act ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX has violated my rights. 15 U.S.C 1681 section 620 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 an account without my written instructions.

Responsibilities of Furnishers of Information To Consumer Reporting Agencies [ 15 U.S.C. 1681 Section 623 Section 2 ] ( a ) Duty of Furnishers of Information To Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors.

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: Their investigation did not fix an error on your report

I have reached out to Equifax, XXXX, & XXXX with assistance with my Identity Theft problem with no assistance. I have done everything they asked of me to have some fraudulent accounts removed from my credit report. I retrieved a police report from the city of XXXX Ohio where my wallet was stolen with my ID and credit cards in it, I also retrieved a police report from the city of XXXX, Georgia where the creditors stated the accounts were opened and now, I also opened a police report where I actually live and provided proof of my address to them multiple times. The creditors and the 3 bureaus continue to verify the information correctly with incorrect data. The address and phone number that they report for these accounts is not on my credit file. The address and phone number reporting are Fraudulent. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a fraudulent address that all the above accounts are reporting to which is also not on my credit profile, but they continue to say that the information has been verified. I asked for a copy of the application with my signature on the application from all the creditors listed above and the 3 credit bureaus and I have yet to receive it. The incorrect data and no signed application showing proof that these accounts belong to me was reason to remove all fraudulent accounts from my credit file. I am asking for your assistance in this matter to step in and push them to do the right thing and remove these fraudulent items. I have sent them several reports including my personal Identification from the month of XX/XX/2022 until now XX/XX/2022. PLEASE HELP ME Thank You
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX 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: Problem during payment process

In XX/XX/XXXX we used a promotional balance transfer called XXXX XXXX with our Citi AAdvantage Gold Card. The promotional offer expires XX/XX/XXXX.
After calling Citi, to find out how we could pay off the promotional balance, I was told that we had to pay off our balance entirely before the XX/XX/XXXX, deadline, that our payments were applied to Standard Purchases, fees, and interest first.
My statement billing period of XX/XX/XXXX-XX/XX/XXXX, with minimum payment due on XX/XX/XXXX showed a new balance of $ XXXX.On XX/XX/XXXX, I made a {$500.00} payment, bringing the balance to {$7400.00}.
On XX/XX/XXXX I made a {$7600.00} balance payment online which included charges for {$48.00} on XX/XX/XXXX and {$100.00} on XX/XX/XXXX. I selected the " Pay Balance '' tab. Once the payment was made, the system showed me a {$0.00} balance.
When I received the following statement for XX/XX/XXXX-XX/XX/XXXX, with a payment due on XX/XX/XXXX, I noticed that the XXXX XXXX  promotion was still showing a balance! I did not understand, as I had completely paid off the credit card to have it show a {$0.00} balance.
On XX/XX/XXXX I spoke with XXXX, supervisor XXXX, who kept saying over and over that they first pay off the standard purchases and then the balance. I thought maybe it was a language issue. He told me he would have someone call us back within 72 hours, but no one did.
Today, XX/XX/XXXX I phoned and spoke with XXXX XXXX XXXX an account manager, who after I explained multiple times that I had paid the balance off on XX/XX/XXXX to XXXX, told me that there was still a {$210.00} balance in the XXXX XXXX. She also stated I would have to pay the entire balance off the next statement plus an additional {$190.00}, which she stated would be an over payment, in order to stop the XXXX XXXX from charging the fees since it was an on going promotion until XX/XX/XXXX. I asked her if I was not suppose to use the credit card, once I had paid off the balance in full, and she stated that I would have had to pay off the balance every month in order for the XXXX XXXX to stop, although I had already paid off the entire credit card including the promotional amount of the XXXX XXXX. If you look at the statement with the payment due date of XX/XX/XXXX, it  shows the previous balance plus the over payment, and then the additional charges we made after the full payment had been made, plus the interest.
All the employees seemed like they were instructed to say the same thing over and over again without really acknowledging that once you pay off your balance entirely then any promotional debts end and the program ends because you have completed your agreement by entirely paying it off.
Citibanks transaction reports shows 3 additional charges that were made also on XX/XX/XXXX. These were not showing on the balance when I made off the total balance to bring it down to XXXX. If they had been, then I would have added those charges, as I did the XX/XX/XXXX XX/XX/XXXXcharges, and paid those as well. My ENTIRE reason for paying off the balance was to get rid of the XXXX XXXX balance transfer promotion.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX and Equifax have my files merged with a similar person but with a completely different SS #. I have been in contact with the creditors that are reporting on my report that aren't mine. Thats how I know this. I submitted a request to remove these items. It came back as " verified as yours ''. I sent a second letter demanding that they manually verify not use E-Oscar to make sure the items would get taken care of. They responded that my request had all ready been done and these were considered " frivolous requests and if I had proof these weren't my accounts submit it ''. I cant submit something that doesn't exist in my name and SS # the creditors say they aren't doing this the credit bureaus have it mixed up. I then sent a demand letter giving them 15 days to submit proof of my signature, contracts, anything to show they actually follow thorough with my request. crickets... .litterally crickets... Nothing back its been 45 days I have the certified letters showing it was delivered. Its causing me hard to not be able to buy a house. I need help.
Complaint sub-issue: Can't get other flexible options for repaying your loan

Hello, I submitted a request for a lower monthly payment to my loan with myfedloan. I stated that since my divorce I am newly married with XXXX new kids and have new financial responsibilities along with the student loan payment. Since the pandemic I have been struggling to make ends meet. I am in a public service loan forgiveness program that makes no sense!! At the current loan payment program, I will be paying off the loan far sooner than the 120 payments. This program does not help me. I am a XXXX XXXX XXXX. 
Sincerely, XXXX XXXX
Complaint sub-issue: Money was taken from your account on the wrong day or for the wrong amount

On XX/XX/XXXX I purchased a phone off XXXX marketplace and paid my seller via XXXX on my citi application. When the phone wasn't delivered and seller blocked me I contacted the bank while payment was still pending to stop it. The bank dragged me in calls and forms until payment was cleared. I tried contacting XXXX directly but because I used the service via my citi app the only entity to contact them was my bank who kept on repairing contact ur seller despite how many times I repeat that I am blocked nothing happened
Complaint sub-issue: Information belongs to someone else

XXXX XXXX {$650.00} XX/XX/XXXX, XXXX XXXX XXXX XXXX {$27000.00} XX/XX/XXXX, XXXX XXXX XXXX XXXX {$19000.00} XX/XX/XXXX, XXXX XXXX  {$9500.00} XX/XX/XXXX, XXXX XXXX XXXX {$5800.00} XX/XX/XXXX, XXXX XXXX XXXX {$950.00} XX/XX/XXXX, XXXX XXXX XXXX {$400.00} XX/XX/XXXX, XXXX XXXX  {$220000.00} XX/XX/XXXX, XXXX XXXX  XXXX {$220000.00} XX/XX/XXXX, XXXX XXXX/XXXX  {$220.00} XX/XX/XXXX, XXXX XXXX/XXXX  {$400.00} XX/XX/XXXX. I have reached out to each individual creditor listed above letting them know that I have never opened, used or applied for any of these accounts. I have filed an ftc report and they refuse to remove them.
Complaint sub-issue: Their investigation did not fix an error on your report

I was shocked when I reviewed my credit report and found late payments on my credit report which I thought it was already taken care of. I personally called XXXX and spoke to different departments in regards to the error that was placed on my credit. They specifically told me that they will submit a request for credit reporting correction, and it still reports as an error. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

I purchased a few {$200.00} XXXX gift cards provided by U.S. Bank from XXXX in XX/XX/XXXX. Most of them got used quickly, but one did not get used. It remained in my desk, unopened and in its original packaging until XX/XX/XXXX when I tried to use it. I got a rejection when trying to pay a bill, which seemed odd as I had just opened the card. I logged into XXXX and checked the card and found it had 4 charges that I had not made. These charges are as follows : XX/XX/XXXX - {$24.00} XXXX XXXX- XXXX XXXX XX/XX/XXXX - $ {$53.00} XXXX  # XXXX XXXX/XXXX/XXXX - {$71.00} - XXXX XXXX XXXX XXXX XX/XX/XXXX -  {$31.00} - XXXX XXXX # XXXX I immediately called XXXX and let them know about the issue with the card. They closed that card and gave me the information for PrePaid Debit Disputes and said I would have to continue working with them. Their office had closed for the day, but the lady at XXXX said I should contact them and also fax them the information during business hours. The lady also closed out that existing gift card and said she would send a new gift card to me with {$18.00} which is the amount left on the {$200.00} card. She said that as the disputes got resolved, I would receive credits on that new card. I waited until XX/XX/XXXX which was the first business day after that call and faxed the information to PrePaid Debit Disputes and immediately called them. The lady on the other end could not find my fax at that moment, but told me to contact them 2 - 3 business days later and check to see that the fax had been received. I called back 3 days later on the XX/XX/XXXX and verified that the fax had been received. That associate told me I should be expecting a follow up in the mail to process an affidavit from me about the dispute. On Tuesday, XX/XX/XXXX I received the new gift card with instructions on how to activate the card. On Friday, XX/XX/XXXX, instead of receiving an affidavit request in the mail, I received a letter saying that they were unable to assist with my dispute due to the fact that my notice was received beyond the time frame allowed.
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX by XXXX  XXXX is not reporting accurately. XXXX XXXX fico score does not update. XXXX XXXX will not delete the XXXX  XXXX accounts that are closed instead XXXX XXXX is reporting on XXXX XXXX and XXXX XXXX XXXX closed XXXX  XXXX acconts as open. XXXX XXXX  will not delete duplicate accounts of XXXX XXXX XXXX XXXX does not report accurately on my credit profile to XXXX, XXXX and Equifax. XXXX XXXX only reports on my XXXX XXXX accounts. XXXX XXXX repair credit service does not do what it says it will do it appears to be bias to other accounts and does not consider accounts in good standing thus continuing to report on XXXX  XXXX closed accounts as open and curtails the score very low. Credit Score points never reaching ove XXXX points but decreases monthly due to closed accounts being open. 
The total amount of debt XXXX XXXX is reporting is inaccurate. The credit usage is inaccurate. 
The XXXX XXXX shows average on for accounts paid on time this is unfair.
Complaint sub-issue: Information belongs to someone else

I have these accounts on my credit report that doesn't belong to me. I have no knowledge of these accounts nor have I given anyone access to any of my personal information to obtain credit. These are being reporting to my credit report and don't belong to me. 


1 ) XXXX  XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX -opened XX/XX/XXXX amount {$300.00} 2 ) XXXX XXXX opened XX/XX/XXXX amount {$970.00} 3 ) XXXX XXXX opened XX/XX/XXXX amount {$340.00} 4 ) XXXX XXXX opened XX/XX/XXXX amount {$0.00} 5 ) XXXX  XXXX  opened XX/XX/XXXX amount {$4000.00} 6 ) XXXX XXXX opened XX/XX/XXXX amount {$25000.00} 7 ) XXXX XXXX XX/XX/XXXX Opened XX/XX/XXXX amount {$26000.00} 8 ) XXXX XXXX XXXX Opened XX/XX/XXXX amount {$26000.00} According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) you are required by Federal law to verify through the physical verification of the original signed consumer contract, any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email a fraudulent account.

I demand to see Verifiable Proof ( an original consumer contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately!
Complaint sub-issue: Confusing or misleading advertising about the credit card

XXXX sent me a " pre-approved '' letter asking me to apply. I currently have a credit card and am in the process of buying a house so normally I throw away all credit offers I recieve. I thought the terms on this particular offer sounded beneficial, so I accepted. Just to be denied. Now I'll have an inquiry that will have a negative impact on me. I feel this is misleading. When I called to discuss this practice I encountered a woman who only read the same letter I already recieved and read myself. I understand they want new business but to the extent of taking advantage of consumers should not be tolerated nor allowed. I doubt I'll find resolution however there should be protection from companies fishing in manners like this.
Complaint sub-issue: Their investigation did not fix an error on your report

Was not notified of investigation status or results that I requested in the dispute I mailed. Credit Bureau refused to block item although it remains unverified and they never sent me proof of the instrument mandated that the credit bureau have as per FCRA Section 609.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

A third party debt collector, IQ Data, was contracted by my old apartment complex, XXXX XXXX XXXX XXXX XXXX XXXX, to collect a valid debt. I already paid the debt, directly to XXXX XXXX XXXX, and informed the caller of this. She demanded proof, and I said I'd be happy to forward a copy of the front and back of the check which was deposited by XXXX XXXX XXXX. She insisted that proof would not be sufficient. She demanded my complete bank account statement. I told her no, she couldn't have my bank statement, but could have a copy of the front and back of the statement. She then proceeded to insult me, call me " irresponsible '' and a " deadbeat '' ( bear in mind this is *after* I told her I'd paid the debt ). I ignored the insults, and asked her what proof would be sufficient. She again repeated that only a complete bank account would suffice. I told her, again, that I don't send my bank account to strangers, so surely there must be some other way of proving that the debt is paid, in addition to the aforementioned canceled check. She went ballistic, started screaming, continued insulting me, and I disconnected the call. This happened XX/XX/2020, at XXXX.
Complaint sub-issue: Was not notified of investigation status or results

This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
EQUIFAX and the account name is XXXX balance {$0.00} account # XXXX 30 days late in XX/XX/2021, and XXXX 2021.
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

Ive never been late for my best buy credit card citi bank, I just got out of a relationship and I was in the transition of getting a new job, and im struggling I just recently graduated and taking care of my kid on my own. I will pay all the balances on my card in full. I need to make sure the one time late payment will not affect my credit score. I will pay this card in full, I paid this card on time every month this is the first time Im really late. Please remove it off my credit report. This will be paid in full.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I was contacted by AFNI in early XXXX referencing a credit report entry from XX/XX/XXXX suggesting that I owed {$540.00}. I responded by sending a letter dated XX/XX/XXXX requesting to settle the debt. I requested that I received correspondence with 15 days of the offer to settle otherwise I would require a full verification of debt from the collection company. I did not receive a verification of debt at all. XX/XX/XXXX, I received a letter from AFNI stating that it was not handling the account and the entry on my credit report would be removed. I found that the collection was no longer on my credit report. A day or two later I received a letter from XXXX XXXX XXXX XXXX stating that the same account number was placed with them for collection and if I fail to pay the obligation a negative credit report may be submitted which feels very threatening. The letter also stated that I can dispute/ ask for verification but I could be sent a copy of a judgement or a verification. I will send the dispute regardless but the fact that I never received a verification from the first collection company doesn't give me evidence that I'll receive verification from the second one.
Complaint sub-issue: Account status incorrect

I have been trying to correct my credit report with this company for close to 2 years. They fail to properly respond to my request to investigate or provide documentation on why they are showing this to be a charge-off/collection account. Their lack of caring to properly report this account on my credit has caused me to lose job opportunities because of their careless actions. This company XXXX has been known in the past to report wrong information as well as take advantage of consumers buying cars through them.