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

Equifax, know that this information is incorrect on my credit report. 
I have disputed this information over 11 years ago. This account was not open XX/XX/XXXX, documentation can be provided, on this day I was in OHIO, checking on my son with my husband, We still have our plane tickets. 
Equifax, and XXXX received a cerifited letter XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( my 5th dispute ) This item has been on my credit report more than 10 years but Equifax just keep updating it with the wrong date the account was open XXXX XXXX XXXX XXXX XXXX, XXXX ( 5 yrs, 4 mos ) -- - I was never in the office XX/XX/XXXX, XXXX out of the state The account could not been open on this date, due to the fact I can provide more information that it was dispute over 10 times within the last 12 years. 

Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Collection account Original Creditor Name XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

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

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have Items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ' ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Problem getting your free annual credit report

i was able to check and print two of the three on annual credit report but wasn't able to see the one from Equifax. i requested by phone more than three months ago now on XX/XX/XXXX. and didn't receive it in their said time of arrival. i requested it again on XX/XX/XXXX. I have not received that one as well. it is XX/XX/XXXX. i need this in order to start a job and it is currently being delayed due to not receiving it.
Complaint sub-issue: Information belongs to someone else

Guys please help me. I have a lot of unknown inquiries in my profile. I have no idea how that happened but the only one thing I know for sure that they are not mine. I do not know them, someone filed them or its error or identity theft I do not know but I am begging you to remove them as soon as possible because I can not proceed in my life planning.
Complaint sub-issue: Account information incorrect

XXXX, 2022 I disputed a charge off due to inaccurate information, in which ( Flagship Credit Accept ) reported different account types, status dates, original balances, and terms to XXXX, XXXX, and XXXX and due to these violations, the account needs to be removed from my credit report!
Complaint sub-issue: Application denied

In 2018 my Discover card was closed due to no fault of my own. I attempted to add my discover card to a debt consolidation plan and was denied entry into the program because they didnt agree with the reduced interest rate terms. Shortly after that my card was closed and I never received a letter from them stating why. 

During that time, I never missed a payment and ended up paying the card in full. And now when I apply, Im getting told that my card was revoked and to keep trying and that there is nothing they can do. 

I pulled all my credit reports and none of them are saying that my card was revoked. 

It isnt fair, but it seems like I will constantly be denied even XXXX XXXX years later.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

Citicards with a PERFECT payment history and less than half of my utilization lowered my credit limit from XXXX to XXXX with no rhyme or reason and said and I quote we did a bankwide review of all accounts and many peoples lines got lowered!!!!! That's XXXX!!!!! I'm sorry but I paid those people on time in good faith. There needs to be more laws with these cards I have a perfect history with this company where they gave me a certain credit line I pay all my cards on time every time yet these people WITH NO WARNING slashed my line by half that's unreal! This type of stuff needs to be illegal what they're doing. There should be a demonstration of bad history with a company before this type of stuff can happen. I'm also contacting my congresslady and my senators about this activity that citi did with no cause. I have no reason to have my lines cut. This whole credit scoring thing needs to be looked at too I pay my bills on time but yet have low score. Their system is proprietary but I've worked in credit trust me it's evil what they're doing! There needs to be laws or an appeals process or something where cardholders can stand up for themselves. Citi offered me credit with not much difference in situation in like XXXX???? 

XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I have on several occasions commutated to Equifax to block and stop putting my alleged private transactions on my consumer report without my consent that's identity theft they are sharing my info to make a profit. I never gave verbal or written consent to anyone or received a disclosure to do so. I filled a complaint on cfbp portal XX/XX/2022 to remove these items that replied back saying will would remove them an they are still on my report causing emotional stress to me defaming my charter. Pursuant to the FCRA, providing inaccurate financial information to credit reporting agencies is illegal. Therefore, EQUIFAXis now knowingly in violation of the FCRA and is not taking steps to correct that violation. I have attempted multiple times to have Equifax reverse the erroneous delinquency filing and they have refused to do so on each occasion.
Complaint sub-issue: Non-sufficient funds and associated fees

I live on XXXX and SSI for my daughter 's. The meds I have that work, cost in the hundreds of dollars. That being said, money is always right. When we were getting the stimulus check my bank account was in the hole {$250.00}. Knowing the check was coming was a relief, because it could pay off that overdraft, and give me a few extra $ . What I didn't know was the same night I got the stimulus payment ( XX/XX/XXXX ) the bank put the {$250.00} into the account to bring it current. Since I was expecting {$1700.00} having a qualifying child, I didn't notice that extra money was put in because I was expecting more. Fast forward to XXXX I see a message on my board saying the " {$250.00} loan '' was coming due. But don't worry, if it overdrew your account, they would waive the fee. So I called my local branch. The woman I spoke with didn't even know about the money being put into people 's accounts to bring them current either. So if SHE didn't know, what kind of notice did they give me? I never saw anything about " loan ''. When she came back to me to see what she could do for me, the best was to take off a couple of overdraft fees. She even commented they expect others to be in the same position. So now, because of this my account is once again in the hole, I get paid on the XXXX and my XXXX, XXXX, XXXX ( all of which is being exacerbated by this XXXX  ). What they did was wrong. I did not ask for it and because I am on a fixed income, this will destroy us and potentially leave us homeless. They need to be held accountable and bring my account to a positive balance like the stimulus check would have done in the first place.
Complaint sub-issue: Didn't receive notice of right to dispute

XXXX XXXX did not notify myself in writing concerning the debt and also turned the account over to a collection agency without written notification.
Complaint sub-issue: Fraudulent loan

VEROS CREDIT RAN MY CREDIT WITH OUT MY PERMISSION XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, Phone : XXXX XXXX XXXX XXXX Can you please help me fix this issue thank you XXXX XXXX XXXX
Complaint sub-issue: Problem with customer service

Excessively long wait time for XXXX  forms to be processed by MOHELA. I electronically submitted a " XXXX XXXX XXXX Form '' to MOHELA on XX/XX/XXXX. As of XX/XX/XXXX the uploaded form is still listed as " processing. '' Subsequently, the official tracking of my eligible and verified payments towards loan forgiveness is inaccurate. I have contacted MOHELA by phone to resolve this issue but had to hang up after being on hold for over 2 hours.
Complaint sub-issue: Account information incorrect

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/ with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Complaint sub-issue: Account information incorrect

In response to Lending Club 's investigation, why did Lending Club take my money if they had sold the balance to XXXX? LendingClub states that they sold the balance to XXXX on XX/XX/XXXX. Please see their response attached ( Paragraph 5 ) referencing account ending in XXXX. 

I sent two different checks to LendIng Club to pay account XXXX. One check was for {$180.00} which was cashed by Lending Club on XX/XX/XXXX. The second check was for {$500.00} and it was cashed by lending club on XX/XX/XXXX. Please see the attached documents as proof. 

LendingClub cashed my checks that referenced account XXXX, but the account was sold to XXXX a few months prior on XX/XX/XXXX. Is this legal that LendingClub cashed my checks and took my money even though they sold the debt to a 3rd party collection agency??? This is iilegal and I request XXXX to delete their negative reporting on my credit as a sign of making things right. You cashed and took my money.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

# XXXX items purchased for {$90.00}, {$53.00} and {$110.00} on XX/XX/21. 2 items returned XX/XX/XXXX and 3rd item  returned XX/XX/XXXX ( could not take them to store for faster credit due to Covid-19 as the stores were closed ).  Refund of {$90.00} has been supposedly processed as a credit 3 times including today. They claim this item is still sitting in their warehouse as unprocessed. Item for {$53.00} was credited but still shows on balance through Macys/XXXX XXXX XXXX. Item {$110.00} has been successfully credit to account. When I look at Macys.com the balance finally shows XXXX but when I call in to them to talk about it, I am told by their automated system that my balance is still {$140.00}. Please help!!!
Complaint sub-issue: Card was charged for something you did not purchase with the card

Hello, Some one used my Best Buy credit card to buy a laptop worth {$1700.00} at New York Best Buy store on XX/XX/XXXX. I wasnt alerted of the fraud for that purchase. I was at the work so didnt check my personal emails. After some time they tried to do another transaction for {$660.00} which got declined and alerted me of fraud. I responded to the text right away saying it is fraud and called the provided number on the text. Person on the call told me there is another transaction too for {$1700.00}, I confirmed that I never used the card that day and I was at work and request to cancel that card and send me a new card. Person from Citi bank said that she will dispute the charge and get them removed. The charge which were initially removed and then I received a statement on XX/XX/XXXX with {$1700.00} which was added back to the balance saying that is not fraud. I called the security team on Monday XX/XX/XXXX explaining everything, they said they will look into it and if the investigation comes back not fraud then I am supposed to back the amount. Please resolve this issue. On XX/XX/XXXX I was physically at work in New Jersey as I work in a hospital and didnt go to XXXX XXXX that day. Please check the security cameras of the store for the scammers.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In XXXX of 2022 I began receiving notices of credit inquiries that I did not make through XXXX. Unknown persons attempted to apply for a Master Card through Macy 's twice. Also, in late XXXX I was contacted by XXXX XXXX with a suspected fraudulent application for a {$25000.00} student loan using my information as a co-signer. The most recent activity was an unsolicited inquiry to Macy 's and American Express on XX/XX/XXXX. I found out afterwards that the perpetrators were able to reopen my XXXX account. I was able to re-freeze my XXXX account with a fraud alert and I have spoken to both Macy 's and American Express and reported the inquiries as fraud.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed illegal inquiries on my Equifax report and received a response dated XX/XX/21 that all of them were verified. None of the inquires included proof of their validity. Furthermore, I have attached letters from the companies XXXX XXXX, XXXX and XXXX XXXX stating that their inquiries will be removed, but Equifax sent me results with completely different information than what was given to me by the actual companies. This is another issue of Equifax not truly investigating my request and just sending me an automated response without looking into my issue. I have three seperate inquiries from one company whom I have never heard of before, XXXXXXXX XXXX XXXX. I am curious to see what information was received from the company verifying these inquiries which I have never been provided. XXXX XXXX has stated that they do not put inquires on accounts, yet one is on my Equifax acct on behalf of this same XXXX company. I have attached Equifax 's results also. I am still disputing with XXXX XXXX XXXXXXXX, as I have yet to receive actual verification that this inquiry is mine from the company nor Equifax.
Complaint sub-issue: Funds not received from closed account

There was two of my accounts that got shutdown by Key Bank my hassle free savings account and my XXXX XXXX account. The first one is information from my laptop, as I have saved screenshots of the transactions that I took this morning on XX/XX/XXXX. 
On XX/XX/XXXX they had deposited {$4000.00} from a check that my friend XXXX XXXX has sent me in the mail that went into the hassle free account. Her son XXXX XXXX had tried to send me {$8000.00} on XX/XX/XXXX but they never went through, as he got his money back just recently. In the XXXX XXXX checking account the other checks that XXXX XXXX sent me was deposited on XX/XX/XXXX as the total amount on the checks that went into that account was for {$3200.00}. Recently XXXX XXXX has notified me that on her side from her XXXX XXXX bank that the transactions went through without any issues and so there is someone at the Key Bank Corporate Office that has placed a block on my account and has not returned the funds back to XXXX XXXX? Last night I read about the 408 complaints that Key Bank has, as they are mostly from older people and poor people like myself. Right now I want to see about starting some kind of investigation against the people working in the corporate office, as most of those 408 people have lost money from Key Bank. Plus I would like to file charges and take Key Bank to court for the actions for what they did to me, as I have evidence in pictures and those screenshots of the accounts.
Complaint sub-issue: Didn't receive terms that were advertised

In XX/XX/2022 in response to a Citi direct mail ad, I opened up a new Checking Account with Citi and deposited {$200000.00} cash. The direct mail ad stated I would receive {$1500.00} if I left the money there for 3 months. 8 months later and numerous calls later ( many with " a case will be opened and someone will get back to you '' I have received no follow-ups from Citi and a grand total interest of {$10.00}.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Citi allowed someone to change the address on my account to the following address XXXX XXXX AV, XXXX CA XXXX. I have never lived at this address, and I have never lived in California. The change likely occurred after issuance of my Billing Statement ending XX/XX/XXXX, and before the issuance of the Billing Statement ending XX/XX/XXXX. Enclosed is a copy of the Statement ending XX/XX/XXXX, which contained the fraudulent address. Citi has refused to remove a {$540.00} fraudulent charge for the purchase of tires at or from a store in XXXX. 
As of this submittal Citi has not explained how, when, and why my home address was changed and Citi never notified me of the address change.
Complaint sub-issue: Frequent or repeated calls

Nationwide Recovery Services uses dozens of phone numbers that you can not pin down which one they call from, I know I've blocked at least a dozen or more personally. They have called while I am at work and can not be disturbed by it and have called on weekends. I have seen them call at least 5 times per day, with different numbers and different operators from the exact same company.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Transaction of {$520.00} from merchant tm XXXX XXXX  XXXX on Citi Double Cash Card account is not a valid transaction and I am requesting that amount be credited back to my account and that this merchant/ transaction is investigated to further prevent fraud. The transaction originally showed up on our account in XXXX but thanks to the instant phone notifications from Citi Mobile App I was able to quickly contact customer service to cancel/ close that card and have a new card number sent out. Now however we are notified that amount is due and that the transaction was valid. I have multiple concerns about this transaction, and I can ensure it is not valid. We are taking this very seriously because this is the 3rd time we have had an issue with fraudulent transactions on this account and I can ensure you the following : - No authorized users of the card made a purchase ever from that merchant - Both card holders had possession of the card at the time of the purchase - The merchant tm XXXX XXXX XXXXXXXX is unknown to us and I have no contact information from this merchant - Immediately after the transaction was made we disputed the charge and closed that account to avoid further fraud It is most concerning that no information was provided to us about the charge, no phone number, address or contact information for the merchant or the transaction & no evidence was given to support that this was a valid charge. We were simply told it was not fraud and charged {$520.00} with no explanation. We were in contact with Citi customer service immediately at the time of the original transaction and after they notified us that they determined it wasn't a fraud transaction last month we mailed them a letter immediately as per their procedure for billing disputes. It has been since they received the letter and there was been no response from Citi customer service. 

Thank you for your help in resolving this matter.
Complaint sub-issue: Charged too much interest

CitiBank as of late XX/XX/XXXX was charging 21.24 % interest on a Citi/AAdvantage credit card for a customer with a XXXX XXXX score, an annual income of approximately {$140000.00}, and a long-term track record of timley payments. Citibank on XXXX XX/XX/XXXX raised interest rate on the Citi/AAdvantage credit card from 16.74 % to the Penalty Rate of 29.990 % after claiming to have received a payment one day late ( due XXXX XX/XX/XXXX and received on XXXX XXXX ). Citibank has continued to charge well over 20 % interest for over two years, despite no late payments during this time.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

date XX/XX/2021 I was the victim of identity theft. Someone opened up a credit account at Kickoff lending llc in my name. The reason Kikoff lending llc should be punished and looked at is due to the fact that I have and have had for some time a fraud alert on my credit report with all 3 credit bureaus currently. I also have a security freeze on all 3 credit reports at XXXX, XXXX  and XXXX XXXX. Kikoff lending llc NEVER attempted to verify my identity before they let someone open an account in my name. My fraud alert clearly states that a lender must verify my identity at the phone number listed before any accounts can be opened. Also, if you look on their website at Kikoff.com under support center then credit score then article on does a security freeze affect Kikoffs ability to report payments or open new accounts? No, a security freeze does not impact our ability to report payments or open new accounts. If a customer has a security freeze on their credit, we will still report their kikoff payments. this is inuriating that they let someone open up an account in my name without verifying my identity even with a fraud alert and security freeze on all 3 of my credit reports.
Complaint sub-issue: Their investigation did not fix an error on your report

How can these accounts show the payment status of 120 days past due for the months of XXXX and XX/XX/2019 when it has a balance of zero? With that blatant error, its clear that the bureaus do not keep accurate records. They are also reporting this company to be the owner of the debt when they are not! These accounts were transferred to another company. The XXXX and XXXX Credit Bureaus can validate this information by investigating the matter and MUST correct or remove the defamatory information they are currently reporting. Please provide proof that the bureau 's description belongs on my report, otherwise change to PAID or UPDATE '' all late from reporting on these accounts immediately. Below are the accounts that are still reporting on my account : NELNET XXXX {$0.00} NELNET XXXX {$0.00} NELNET XXXX {$0.00} NELNET XXXX {$0.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX - INQUIRY DATE - XX/XX/2022 - CALLED, NOT SURE WHY THIS IS HERE. 

XXXX - INQUIRY DATE - XX/XX/2022 - I DONT KNOW WHAT THIS IS, DIDNT DO XXXX  - INQUIRY DATE - XX/XX/2022 - I DONT KNOW WHAT THIS IS, DIDNT DO XXXX  - INQUIRY DATE - XX/XX/XXXX, XXXX I DONT KNOW WHAT THIS IS, DIDNT DO
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.