Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Investigation took more than 30 days

hi XXXX has a 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 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 XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX 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 XXXX now im XXXX  XXXX cant provide to my XXXX year old XXXX and i started doing my research and XXXX usc XXXX i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Complaint sub-issue: Received bad information about your loan

When I was in medical school, according to the documents that have been sent to me, I took a loan ( 3 total ) out with " XXXX XXXX XXXX XXXX, '' which I am given to understand has been shut down by the federal government. I have been sent by two different servicers XXXX ( XXXX XXXX XXXX ) and AES (  American education servicers ) bills for a company alternately called XXXX or XXXX. When I question either XXXX, AES, or XXXX about offering me a chain of title or any other proof that they or XXXX ( which I believe went bankrupt in 2008 ) own a debt from me, I am told to ask the servicer, if I ask the service, I am told to ask the alleged owner of the debt. I have been paying on these loans for years now and they are getting larger. I can easily refinance, however, I do n't want to refinance a debit I do no owe. I am a physician, and along with the federal government loans I have ( XXXX ) I pay approximately 5K/month in loan payments. I asked AES to please apply additional payments I made to my principal, and was told that they would only put me in paid ahead status. I do n't mind paying or settling which someone if I truly owe them money, but as far I I can see, there are three ( I do n't know why there are two for the same year ) applications that have been provided to me, and my wife, XXXX XXXX, whom they refuse to release from the obligation as cosigner, to XXXX XXXX XXXX XXXX. I have nothing that says I owe anything to XXXX nor to XXXX, who per the XXXX XXXX is owned by the same people, as are some of the servicer. I am paying more than 10 percent interest on the loan that XXXX claims they own. They are also both refusing to send me a payoff letter if I do owe the debt, because I will refinance immediately -- I have good credit and good income. I was actually told yesterday that the stories in the XXXX XXXX were " fake news '' and that I would have to default before anyone would negotiate with me, and that if I defaulted they would " take my property '' or " wages '' or " tax return '' ( I am self employed ). Which I consider to be a treat made simply because I asked questions.
Complaint sub-issue: Information belongs to someone else

The account/collection ( Original Creditor : ) XXXX doesn't belong to me. I am not sure how this information was placed on my credit report but I need it removed immediately. I contacted Equifax to investigate and give me evidence of ownership but they are not complying.. I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for.
Complaint sub-issue: Other problem

On XX/XX/2022, sent a letter of rescission to DISCOVER FINANCIAL SERVICES rescinding the consumer credit transaction pursuant to Title 15 U.S. Code 1635. They received the rescission letter on XX/XX/2022. DISCOVER FINANCIAL SERVICES has not responded to this rescission.
Complaint sub-issue: Received bad information about your loan

In 2010 I enrolled in the XXXX XXXX  XXXX program. To start I was told the total cost for the program would be {$13000.00} ; when I started get statements from FedLoan the price was almost {$20000.00}. I was also not told by XXXX rep that the XXXX  part of the program would allow me to work as a XXXX XXXX, this was not true. XXXX does not have Accreditation nor do you get enough education to qualify for that type of job. Upon graduation, due to the constant exchange of teachers quiting, students were not receiving proper XXXX training, and thus did not have enough education to gain employment. Most of us were not allowed to take our state boards and the school Administrators would try and talk you in to re-enrolling to redo the course or even take something different. The school has since closed and I have been told through their company I am not allowed Loan forgiveness. I have never gotten a reason as to why I was charged more for school nor have I received a Graduate certificate and I was never eligible to take State testing to become a XXXX  XXXX.
Complaint sub-issue: Information belongs to someone else

I have disputed the an account with XXXX XXXX and tried to get the credit reporting agencies to remove on my credit report. I never signed up for service with XXXX XXXX and have disputed it but the credit reporting agencies did not remove it. I sent a validation request to XXXX XXXX through certified mail with request for receipt confirmation and they have not supplied proof requested.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2021, I went to the US BANK at XXXX XXXX XXXX XXXX in XXXX XXXX to make a deposit of {$500.00}. 

Initially upon entering the crunchy bills into the ATM, it rejected the deposit and spit it back out. I then straightened the bills and re-inserted them into the machine. That is when the ATM did NOT return all of my cash to me. 

I immediately went inside to speak with a banker. They referred me to the US Bank 1-800 number. I filed a claim with a banker over the phone on this very same day. 

Fast forward 3 weeks, no response. 
I then called US Bank again, and was told that a claim was never filed on XX/XX/XXXX. 
To my confusion and frustration, the gentlemen submitted another claim for me. That was on XX/XX/XXXX. 
It has been beyond the 7-10 business days. 
I have been calling US Bank diligently these past several weeks to no avail ; getting the run around from each banker and supervisor. 
This is truly disappointing as I have never had such a terrible issue with US Bank.
Complaint sub-issue: Personal information

I 'm submitting this complaint due to the lack of concern for the consumer by the credit reporting agency. I sent a copy of my verification to include State drivers license and social security card and requested that my personal info be updated and told the agency which names need to be removed. They continue to report XXXX as my name. My name has never been XXXX.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX, XXXX XXXX Equifax is in violation under Consumer Credit Reporting act 15 U.S.C 1681 section 602 A. States I have a right of privacy 15 U.S.C 1681 Section 604 2 it all states a consumer reporting agency can not furnish a account without my written instruction this is th 3rd attempt I disputed please honor my right, and remove this from my credit file
Complaint sub-issue: Information belongs to someone else

My boyfriend acquired an account for cable services with XXXX XXXX back in XXXX of XXXX. In XXXX of XXXX I became an authorized user on my his account. I was told by a XXXX XXXX representative that by becoming an authorized user that I would be able to call in and make changes to his account and make payments. At no point of becoming an authorized user on his account did I provide my social security number. My boyfriend terminated his account with XXXX XXXX in XXXX XXXX. On XXXX XXXX XXXX I received an email from XXXX XXXX informing me that XXXX XXXX has put this outstanding balance onto my credit report. It shows as being responsible for {$600.00} with XXXX XXXX on both my XXXX and Equifax reports. I immediately called XXXX XXXX for an explanation as to how I, solely an authorized user could have a balance on my credit report when I was not the account holder and had NOT provided my social security number to them. The representative told me that we, we being my boyfriend and I collectively share debt. I told her that she was incorrect and that I wanted to speak to a manager or to someone to dispute these actions. She then told me that I was absolutely correct and that I do n't have an account with them ( XXXX XXXX ) and that I was only an authorized user and should n't have been charged. She then pointed me to their website to begin the dispute process.
Complaint sub-issue: Denied request to lower payments

On XX/XX/2019 I was at a work meeting with my Administrator and CFO of our company. A call came through my Administrator 's personal line from Regional Acceptance Corp ( Loan company ) regarding payment due on my vehicle. i am currently behind 1 month, which is being paid on XX/XX/2019. The representative told my Administrator that this was a " personal '' call. Embarrassed, I had to take the call in front of my Administrator and CFO regarding this " personal '' issue. The embarrassment of having my personal issues reported to my employer is not the way to do you business. Now, they will continue to contact my Administrator. I had to hear my Administrator speak to my about receiving " personal '' phone calls at work, with regards to my personal matters. I have requested to have that number removed from my file. The young lady I spoke to is XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

To Whom it XXXX Concern According to my most recent credit report, your company is currently reporting to all three credit bureaus that I applied for credit with your organization. I did not XXXX you authorization to review my credit report The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the XXXX main credit bureaus The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.
Complaint sub-issue: Public record information inaccurate

I filed a dispute with Lexis Nexis, XXXX, XXXX and XXXX   involving a public record that is incorrectly reporting on my credit report. It is a Bankruptcy filing showing the " assets and liabilities '' sections inaccuralety. They are required by law ( FCRA ) to report all information on my report 100 % accurately. The assets and liabilities sections both show as {$0.00}. This is incorrect and I disputed the information. They promptly " VERIFIED '' that information. I disputed it again and it was yet again " VERIFIED ''. I asked specifically HOW they verified the item and then sent me some canned letter that told me what they are " supposed '' to do. I don't care about what you are " supposed '' to do, I want to know exactly what they " actually '' did. I received a letter from the Courthouse stating that they " DO NOT REPORT ANY INFORMATION TO ANY CREDIT BUREAUS and I attached proof of this. I also obtained my own court documents had have attached proof showing that the assets and liabilities was more than {$0.00} and that my rights were violated because of Lexis Nexis, XXXX, XXXX and XXXX   refusal to investigate properly.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the account 's information being reorted on my credit report were incorrect when I reviewed it. the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : DEPTEDXXXX  XXXX Balance Owed : {$2300.00} Date Opened : XX/XX/XXXX DEPTEDXXXX  XXXX Balance Owed : {$1800.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$28000.00} Date Opened : XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  - Account # XXXX**** ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

2. XXXX  - Account # XXXX**** ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

3. XXXX XXXX  XXXX  - Account # XXXX**** ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

4. XXXX  XXXX  - Account # XXXX**** ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX/XXXX  XXXX  onXX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Information belongs to someone else

I'm getting several loan and credit card statements saying I've opened all these accounts and it's not me. 
XXXX XXXX XXXX Application # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Stepstone Credit- date XXXX - {$200.00} approved XXXX XXXX XXXX- XXXX account XXXX ending XXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX- XXXX XXXX XXXX XX/XX/XXXX, XXXX $ XXXX Approved XXXX XXXX XXXX- Account number XXXX $ XXXX approved
Complaint sub-issue: Information belongs to someone else

Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA,  I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : As required by FACTA and in support of my request, I am including a copy of my police report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely,
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX Acct # XXXX has violated my rights XXXX XXXX  Acct # XXXX has violated my rights XXXX XXXX Act # XXXX has violated my rights XXXX XXXX XXXXXXXX Acct XXXX XXXX has violated my rights XXXX XXXX XXXX Acct # XXXX has violated my rights 15 USC 1681 section 602 A 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
Complaint sub-issue: Information belongs to someone else

I HAVE INFORM AND PUT ON NOTICE THAT THESE ARE NOT MY ACCOUNTS THEY HAVE YET TO REMOVE THEM FROM MY CREDIT PROFILE.
Complaint sub-issue: Their investigation did not fix an error on your report

By the fair credit reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C1681. Account Name : XXXXXXXX XXXX Account # XXXX. And account Name : XXXX XXXX Account # XXXX. Has violated my rights. 15 U.S.C 1618 section 602A. States I have the right to privacy. 15 U.SC 1618 Section 604A. section 2 : also states a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C 1618c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of any information or any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1618s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Didn't receive notice of right to dispute

XXXX XXXX XXXX / XXXX / {$1900.00} XXXX XXXX XXXX / XXXX / {$900.00} XXXX / XXXX / {$1300.00} XXXX XXXX BANK XXXX XXXX XXXX / {$2800.00} XXXX BANK / XXXX {$3400.00} XXXX XXXX  XXXX  Original creditor : XXXX  XXXX BANK XXXX XXXX / XXXX / {$1900.00} XXXX XXXX  XXXX  Original creditor : XXXX  XXXX XXXX XXXX / XXXX / {$900.00} XXXX5 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the XXXX-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Complaint sub-issue: Other problem getting your report or credit score

I have verified that I am one of the many who has had their information compromised at Equifax. 
I am XXXX and in the process of trying to get a mortgage loan but am having issues with getting my credit and being locked out of Equifax and having incorrect information removed and/or updated to reflect it accurately and current. 
There is a collection for {$990.00} with XXXX XXXX and it is INCORRECT. I  have tried to get this updated several times and keep getting ignored. That bill was for an emergency room visit that was paid by and covered by insurance at the time and was improperly billed by XXXXXXXX XXXX. I was assured 6 months ago it would be removed by the original creditor but it has not. Also, update my XXXX to report it as OPEN and current with a XXXX balance. I am concerned that information that should be reported is not and is not current and as a result, my credit scores dropped 50 points!!!
Complaint sub-issue: Their investigation did not fix an error on your report

My account is in Forbearance states from XX/XX/XXXX-XX/XX/XXXX but XXXX XXXX XXXX posted a 90 days late in XX/XX/XXXX and a 120 late in XX/XX/XXXX. I contacted XXXX XXXX XXXX and they were unwilling to correct the reporting and told me to send in a dispute to the credit bureaus. I sent in the dispute with documentation from XXXX XXXXXXXX XXXX that proves my account is in Forbearance during those dates. XXXX was able to remove the 90 day late and the 120 day late due to the supplied documentation but Equifax was only able to correct it to show that it is " paid as agreed '' in the comments but the 90 day late and the 120 day late remains. i was told by Equifax that XXXX XXXX XXXX was n't willing to remove that. This does n't make sense. If there is n't anything due and it is current how can it still show 90 and 120 days late? XXXX was able to clearly see that it should n't be reporting that way but Equifax wo n't make the change.
Complaint sub-issue: Trouble using the card to spend money in a store or online

For the past 7-8 weeks US Bank ' Debit Reliacard locked my card for absolutely no reason. They said I tried to change my address which I keep telling them repeatedly that I have not changed my address information, I have lived here nearly 3 years. So they keep asking to see my ID and I tell them I don't have one, I have always been self employed by my father and never needed one. Which they don't have a right to ask for an ID in the first place considering their website says you only have to send a photo of your ID if you verbally verify that you tried to change your name, or address, or birthdate, or social security number. I log into my account and of course all the information is the same as it was when I got the account in XXXX. I even sent them a photo of a piece of mail I received XX/XX/XXXX from the IRS with my address, last four numbers of my social and my name.. They said that was a good enough reason to believe I never requested an address change and the card would be unlocked today. Sure enough, I call back and it's more violations and more fraud on their end. I usually end up talking to the same female, she once said she was a manager.. And then today she says she isn't.. her supervisor or manager is not there. I recorded these past two conversations. I literally made 4 transactions with the card and they shut it off for no reason and can't seem to give me a valid reason at all why. They just keep lying and violating their legal policies posted on their website. I have 4 kids and a broke down vehicle and I can't access money that belongs to me. They have been doing this to several thousand innocent people who really need access to their money right now. Please help my family. Thank you.
Complaint sub-issue: Information belongs to someone else

There are accounts on my credit report that aren't mine.