Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX # xxxxxxxxxxxx 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 # xxxxxxxxxxxx XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

Recently, I did an investigation on my consumer report which has caused severe XXXX and XXXX upon me. In accordance with the Fair Credit Reporting Act XXXX, EQUIFAX and XXXX has violated my rights. 
-15 USC 1681 ( a ) ( 4 ) : states that I have the right to privacy as a federally protected consumer.

-15 USC 1681b ( 2 ) : states a consumer reporting agency can not furnish an account without my written instruction or oral instruction -15 USC 1681 ( a ) ( 3 ) : it is an obligation that any consumer reporting agency exercise their grave responsibility with fairness, impartiality, and respect for the consumer 's right to privacy.

The following accounts are errors : 1. XXXX XXXX Open Date : XXXX  2. XXXX XXXX Open Date : XX/XX/ 3. XXXX XXXX XXXX  Open Date : XXXX
Complaint sub-issue: Account information incorrect

I contacted the debtor on XX/XX/2019 requesting my signature proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation of the debt and the credit report agencies are reporting the inaccurate information to future creditors. This is causing injury to my personal as I am not able to acquire new credit base on these false invalidated claims.
Complaint sub-issue: Card opened as result of identity theft or fraud

XX/XX/2020 XXXX  report a " hard pull '' from Citibank Na. This  was not initiated by me. I submitted a dispute with XXXX. 

I wrote to Citibank informing them I had not applied for a credit card. No acknowledgement of my letter has been received. 

Today I received notice from XXXX  that a credit card had been opened in my name.
Complaint sub-issue: Card opened as result of identity theft or fraud

I asked for this account to be removed as fraudulent activity.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted an official FTC Identity theft report to all three credit bureaus ( XXXX   Equifax, and XXXX ). I sent in my FTC ID Theft report, Local Police report, id, detailed letter, and all other documents stated necessary in the FCRA 605B. The documents were confirmed received on Tuesday XX/XX/2019 and signed at the USPS post office by someone named XXXX XXXX. 

In the detailed letter I included multiple accounts that were reporting on my credit history due to identity theft. Per the FCRA 605B, those items requested should be blocked as long as I met all the document requirements within 4 business days after the receipt of said documents. The FCRA 605B ( included in the attachments here ) specifically lists the documents that need to be submitted. I sent in all of those documents and they were received. HOWEVER, when I called XXXX on Monday XX/XX/2019 to check the status on the request, the Fraud department specialist, XXXX, let me know that the documents I sent in did not meet their INTERNAL requirements. When I asked her what she meant. She explained that even though the FCRA has their guidelines and documents listed in their 605B, the credit bureaus have their own internal requirements that have to be met. She proceeded to let me know that if those internal requirements are not met, it doesn't matter what the FCRA says. I asked her to let me know what " requirements '' I did not meet and she said that it is internal and she can not disclose what they are. I reiterated that I sent EVERYTHING per the FTC and FCRA, and she said that eventhough that is true, I didn't meet their internal requirements. I asked her multiple times to please tell me what they are, and she refused. Those fraudulent accounts were supposed to be removed on Monday XX/XX/2019 ( today ) and she let me know that Transunion will not block them because I didn't meet those requirements, and instead are doing regular disputes that will take 30 days to respond. 

I submitted EVERY document the FCRA mentioned. This is ridiculous that, even though she didn't SAY it, she implied that they are above the FCRA. They need to block those accounts in the list I sent them IMMEDIATELY. TODAY is the last day per the FCRA. It is ridiculous that they are shrugging it off as a normal " dispute '' when they don't want to tell me what the " requirements '' i didn't meet are! 

The same applies to XXXX AND EQUIFAX. I haven't spoken to them on the phone, but I checked my credit report for both of them today and the information has not been updated per the FCRA.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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: Account information incorrect

XXXX XXXX account # XXXX is reporting false information. Delete the account.
Complaint sub-issue: Investigation took more than 30 days

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report
Complaint sub-issue: Reporting company used your report improperly

Equifax also refuses to provide me a copy of their detailed investigation which is illegal. I did not authorize this company to pull my credit. I have asked XXXX and Equifax to remove this credit pull but they are unresponsive.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me.Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report
Complaint sub-issue: Company closed your account

I reported my First progress credit card lost and requested a new one sent to me. The company closed my account without my knowledge, my credit score dropped, and its being reported on XXXX and XXXX as a closed account. My aged credit history has been effected and the company refuses to do anything about it. I do not have a new card and because its a secured credit card, they have not returned the money I used to open the account.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I received a copy of my credit report and noticed some hard inquiries that I don't recognize. 

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

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.
Complaint sub-issue: Overdrafts and overdraft fees

S

everal times in the past 3 months, I've been charged overdraft fees by PNC bank, even though as of midnight the night before, there have been no pending charges or posted charges on the account which put the account into a negative balance. THEN, the next day ( generally when I wake up and check my account - XXXX or XXXX ), I'll see a transaction show as posted to the day before, in some cases multiple transactions, and overdraft fees of {$36.00} for each transaction.

PNC 's response is that the transactions show as posted the day before. In this most recent case, today is XX/XX/XXXX. As of midnight last night, or just before, XXXX, my account had a balance of {$.00} cents. I woke up today to see a balance of {$460.00}. Overnight, my unemployment funds from the state of NY were deposited into my account, {$500.00}, BUT a {$7.00} charge ( again which did NOT show up in any way shape or form in the account on XX/XX/XXXX ) shows up as " posted '' on XX/XX/XXXX, and an overdraft fee of {$36.00} was assessed. The math here is {$500.00} - {$7.00}, resulting in {$490.00}, minus the overdraft fee of {$36.00}, leaving {$460.00}.

I've discussed this with two different CS associates at the bank, and had the issue escalated, only to be told they are not allowed to issue a " courtesy refund '' of the fee. I don't see how this is even a courtesy, I can't ensure funds are in my account to cover charges which are not there. As far as I know, I have {$500.00} coming into the account the next morning ( today ) and a balance of XXXX cents at XXXX the day before, how am I not covered for a {$7.00} charge coming in? This {$7.00} was an outstandig ACH transaction, which could obviously be debited at any time, but it wasn't debited on the XXXX, so it's unfair I be charged a fee just because a charge appears the next day with a retroactive posting date.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2021 I visited XXXX XXXX XXXX in XXXX, TN. I was interested in a XXXX XXXX XXXX and after the test drive, I was told they would " put together the numbers '' and that it would not affect my credit. When I asked for clarification on how it wouldn't affect my credit the salesman named XXXX XXXX told me that it would be a " soft inquiry '' and that they don't actually pull my credit until after I agree to purchase the car. I confirmed the details of this by telling him that I do not want a hard inquiry on my credit report and he confirmed back to me that this would indeed be a soft pull. I had a friend with me at the time who then triple confirmed with the salesman that this would not be a hard inquiry and the salesman again triple confirmed that this inquiry would indeed be a soft inquiry. I did not end up purchasing the car because the price was not acceptable so I left. When I checked my credit through XXXX XXXX this morning XX/XX/2021 I can see I have a brand new hard inquiry from Credco which is apparently the company that XXXX XXXX uses to pull merged credit reports. When I contacted XXXX XXXX at XXXX XXXX about the new hard inquiry I see, he claims I misunderstood and that he did tell me it would be a hard inquiry and that I must be confused about what he said. After confirming 3 times that it would not be a hard inquiry I don't know how this could possibly be my fault. It seems to me they are lying in an attempt to get people to purchase a car but this has very real consequences and my credit score actually dropped a few points as a result of this new inquiry that I never asked for. I have filed a dispute with the credit reporting agencies to get the hard inquiry removed but I really think XXXX XXXX and Credco need to be held responsible for these deceptive tactics that may be harming otherwise unaware shoppers.
Complaint sub-issue: Attempted to collect wrong amount

FMS ( XXXX, NC ) appears to be trying to pull a bait and switch scam regarding rehabilitation of my student loans. In XXXX 2016, I called FMS to negotiate a repayment/rehabilitaiton plan. After several hours on the phone, including a transfer to a supervisor, I was given a monthly payment amount I felt I could afford and agreed to direct debit from my checking account. I was told I would be receiving forms I would need to fill out and return and was given a list of other documents I needed to submit. Although I made several phone calls and left several voicemails to follow up, I never received the forms to complete. I nonetheless submitted the documents as requested. The monthly payments have continued to be debited from my checking account ; however, in the last week, I have begun receiving letters informing me that documents -- including the forms I never received -- are missing and that the rehabilitation agreement will be cancelled. 

This is clearly a bait and switch tactic, in which FMS lured me into an agreement, took money from me for several months and now is trying to cancel the deal and/or change the terms. 

I am appalled that a government agency like the Department of Education would do business with such shady debt collectors, and I am beginning to feel hopeless that I will ever be able to resolve my student loan default. If this approach is considered acceptable by reputable government agencies, then I might as well plan on staying in default until I die.
Complaint sub-issue: Didn't receive enough information to verify debt

Me and the consumer fin.protection bureau have 6 pages of receipts from XXXX XXXX of XXXX XXXX   showing where I stayed from XX/XX/XXXX and XX/XX/XXXX and you are saying in my credit report by XXXX/XXXX that I was staying at your house from XX/XX/XXXX to XX/XX/XXXX.that 's your charge of XXXX.The dept of consumer service commissioner got the information on paper you would not answer me or the commissioner.if you want to keep reporting to XXXX/XXXX credit report you going to have to tell me and the c.f.p.b. what do I owe you for? and if you can not you or going to get off my XXXX and XXXX credit report, the c.f.p.b. has my permission to open my credit.
Complaint sub-issue: Information belongs to someone else

I'M A VICTIM OF FRAUD AND IM REACHING OUT TO HELP ME IN EXPEDITING THIS MATTER WITH THE CREDITORS AND THE CREDIT BREAUS. HERES THE LIST OF ACCOUNTS ACCOUNTS -XXXX XXXX - {$300.00} XXXX XXXX XXXXXXXX XXXX - {$8600.00} XXXX - {$8600.00} XXXX XXXX - {$1700.00} XXXX XXXX -XXXX XXXX XXXX - {$540.00} -XXXX XXXX {$320.00} -XXXX XXXX XXXX - {$320.00} XXXX XXXX XXXX  XXXX {$210.00} -XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I'm a victim of Identity theft. So one used my information to get a student loan. I have reported this to the credit Bureaus & the company that has the loan. I have also filed a police report case number XXXX. They haven't removed this from off of my report. I have sent in all the documentation that I have on this matter.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent out a letter regarding inaccurate and unknown things on my credit report. It is now over 60 days and I have yet to receive a response. I feel as if I am being taken advantage of and ignored of my disputes. Section 611 ( a ), it is clearly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has now been over 60 days so the items should be removed promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you have caused me. This is totally unacceptable.
Complaint sub-issue: Information belongs to someone else

i writing to delete the follwing imformation in my file. the items i need deleted are listed in rbe report. i am a victim of idneity theft & did not make the charge. i ask that the items be deleted to correct my credit report.i reported the theft of my idenity to the Federal Trade Commision & i also have enclosed copies of the Federal Trade Commsions Idenify Thef Affidavit, please delete items as soon as possible.
Complaint sub-issue: Problem with personal statement of dispute

I've sent several letters to Equifax & XXXX regarding a Bankruptcy that's showing on my credit report. I've asked them to provide me with proof on how they did their investigation and how they came up with verified results. On my credit report they state that "public record items Equifax obtained from the local, state, and federal courts through a third party vendor, XXXX. I don't see how they can have anything on my credit report from a "third party". Also, I recently received a response from Equifax dated XX/XX/XXXX stating they once again verified a Bankruptcy after I sent them another letter on XX/XX/XXXX. ALL of this seems that they are committing fraud by giving false information. I say this because, 1. I contacted the United States Bankruptcy Court and received a letter stating that they DO NOT report any information to any credit bureau. 2. I've had a freeze on my XXXX account since XX/XX/XXXX. SO HOW is it that Equifax and XXXX said they verified this information with XXXX since after XX/XX/XXXX??? I find that the lies and these practices are illegal and I'm suffering from the credit bureaus not following the law.
Complaint sub-issue: Debt is not yours

On XXXX I received treatment for an injury that happened at work. The number for that is XXXX. I was informed shortly after my injury while checking my credit report that you changed my account to a personal debt collections account for the amount at the time of XXXX. I called numerous times within the last 1 1/2 and my bill was illegally referred to a collections agency. I was informed by you that my job didn't care about workers compensation insurance and that I was liable. Under the workers compensation Act in VA the injured worker is never liable. 

Throughout this time you charged interest and kept reporting a debt to the credit agencies under a new account number of XXXX, which under the state and federal laws was incorrect. Seeing how this claim was a workers comp claim i was never liable. I am asking you to correct this and report this to the agencies of your mistake. 

On XXXX I contact there admin team with the documents needed to resolve this debt showing that under https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please refer to section 2 - I the injured worker is not liable, the company stated they would respond in 25 days, instead they keep billing this debt as a new debt and charging interest since it has hit my credit effective date of negative impact in XXXX not even 60 days later. I have been denied the ability to credit due to the negligence & called today and was hung up 4 times trying to resolve this. The company is under a company name that is no longer active as my previous claim, & me as the consumer should not be held liable. 

As well as this company failed to removed paid accounts as promised & the company listed on the credit reporting agencies in unreachable. The agency As you can see per the credit reports are not the same as the Admin team who was supposed to handle my claims, why is a company using another name to hit consumers credit. As well as when I filed my last complaint the next page is showing XXXX  XXXX  Closed in your system. As well as the companies addresses for that & the name they are using which is Receivable Management is also not listed as a company. I have filed an FTC complaint & contacted the credit bureau 's several times with no resolution.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

My account was closed with Discover due to them being unable to verify my personal information on my account. I have not been reached regarding this matter and I feel that Discover canceled my card prematurely, without taking any further steps to verify my identity.
Complaint sub-issue: Fees charged for closing account

I opened up an account at pnc bank. I made it crystal clear at the time. Do Not gouge me with fees. The whole purpose of opening the account was to get away from another bank that was stealing from me. I sent after they stated gouging me to close my account and send me the balance. They close the account and kept the money. them a letter stating this and to close my account. They kept the money.
Complaint sub-issue: Trouble with how payments are being handled

They can not seem to complete the process of me changing my payment plan to an updated revised pay as you earn plan. I've been trying for months to change and have not been able to. I've had trouble ending my deferment status, trouble getting a payment plan change, most recently I was placed in forbearance and due to make a {$5.00} payment while they changed my plan, now all of a sudden that has been changed and my payment amount is significantly higher with no notice whatsoever. I have no idea what is going on. When I call, I always wait a minimum of 1 hour to speak with someone.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXXXXXX XXXX extorted money from me. They were NOT within Legal right to impose Escrow on my mortgage NOR were they within legal right to PAY my property taxes. Nor did they PAY a REAL homne owner insurance company any payment to cover my home for that moment of lapse in payment due to them paying it BEFORE me. Also, there was NO detailed statement EVER sent to me at my on record address showing a breakdown of what my additional XXXX in closing went to. They issued a mortgage statement for year end that was Inaccurate to reflect NO Property taxes paid yet I sent them a Cashiers Check with Property Taxes Typed specifically on it. They attempted to STEAL my property with in the final 6 months of me being considered Florida resident. I have a Photo of my BALANCE as reflected on Equifax in XXXX. XXXX balance. Not XXXX. XXXX never provided an Origional mortgage document because the loan was Purchased from XXXX XXXXXXXX XXXX who tried these very same tactics on me in the past unsuccessfully and they sold the paper because they themselves DID NOT HAVE MY ORIGIONAL DOCUMENTS. My document stated ONLY Principal and Interest. NO ESCROW. Period! My Equifax NO LONGER even shows my XXXX half of servicing or PAY OFF!! My score dropped 100Points. It only reflects XXXX XXXX XXXX and as sold paper. Not PAID IN FULL!! THIS IS PREDATORY!! This is FRAUDULENT! Not only did I HAVE to take a loss on the sale of MY HOUSE, I had to use all proceeds to pay off the NEW bathrooms, Air conditioner, Stove and Garbage Disposal I had Just installed in XXXX and XXXX. IF I am FORCED to take this loss, my credit should reflect I AM PAID IN FULL ON A Mortgage for $ XXXX Balance. SHAME ON XXXX TO STEAL FROM ME!!!
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

Loan was paid off after a small balance of {$1.00} that was left on loan XXXX after paying final payment on XX/XX/22. I then had called about my title on XXXX XXXX XXXX in collections said I had a balance of fees along with {$1.00} left on the principal. I paid {$1.00} on my account XX/XX/22 XXXX XXXX said that I still have a balance on some fees and that she would send out a payment history for what I owed. On XX/XX/22 I received a letter dated XX/XX/22 her stating that I owed the money for fees and wont get my title until I paid the {$170.00} and if not paid by XX/XX/22 it would be charged off. I had left her a message a day before receive letter about the loan being paid & inquiring about my title. She never called me back
Complaint sub-issue: Didn't receive advertised or promotional terms

On XX/XX/XXXX I received a promotion via email stating that I could earn a {$45.00} statement credit if I activate the offer and sign up for a new {$45.00} XXXX XXXX membership from Discover for my Discover It credit card. The offer was stated to expire in XX/XX/XXXX. Sometime between XX/XX/XXXX and XX/XX/XXXX I activated the offer and then made the purchase on XX/XX/XXXX. I reached out the first time on XX/XX/XXXX about when Id receive the statement credit and was told that I would receive it within 3 statement cycles after XX/XX/XXXX. Now its been 6 months and I have yet to receive the {$45.00} statement credit. Today on XX/XX/XXXX I reached out via their messaging platform and called them, and was told that I did not qualify for the promotion but that the reason was unknown. I was told that since the credit was already applied to all accounts that were eligible, they could not manually apply it to my account anymore. I was given no further explanation.