Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2019, I made a reservation with XXXX for a total amount of {$3600.00} and paid for it with my US Bank credit card. During that transaction, I selected their enhanced Cancel for Any Reason plan for a cost of {$320.00} above what is included in the Standard insurance plan. 
After making the reservation, my spouse encountered medical problems and we took advice from our physician NOT TO TRAVEL. We contacted XXXX on XX/XX/19 to cancel our reservation based on doctors advice. One of their agents told us we had 2 options : ( 1 ) forfeit the entire reservation amount, or ( 2 ) accept a voucher credit but receive no money back. I then discovered that XXXX had already charged the ENTIRE AMOUNT to my credit card. 
I researched XXXX and found they have a history of scamming people. I immediately filed a Chargeback with US Bank to recover the money stolen from my account. 
On XX/XX/2019, US Bank denied my chargeback based on FALSE information XXXX gave them during the investigation. XXXX told the investigator I cancelled the reservation on XX/XX/2019, activating the Insurance Policy, but I DID NOT cancel the reservation and could not cancel the reservation because I did not communicate with them on XX/XX/2019 as they stated in their letter to the US Bank investigator. I have email proof and phone records to support this. 
They misled the US Bank Investigator by saying that I could rely on that program for reimbursement. In addition, XXXX states in their letter to me : if you wish to apply payment and travel This proves that their XX/XX/XXXX charge on my US Bank account was UNAUTHORIZED, premature, and illegal. 
On XX/XX/2019, I contacted the district manager of US Bank, XXXX XXXX ( XXXX, XXXX ), and she said to appeal the decision with XXXX XXXX ( at XXXX ). I called Ms XXXX at least 10 times from XX/XX/2019 through XX/XX/2019.  Each time I called, I was told by her assistant that Ms XXXX would return my call within 48 hours, but she never did. On XX/XX/2019, I spoke with XXXX ( at XXXX ) and he said the appeal period lasts only 1 week and unfortunately the deadline has passed, but Ms XXXX has the ability to open an appeal even today. 
On XX/XX/2019, Ms XXXX finally called me and told me there would be no appeal because it is out of her hands. Essentially, US Bank denied me the ability to appeal and provide them with PROOF that XXXX lied to the investigator. 
US Bank is effectively the collection mechanism for XXXX fraudulent operation.
Complaint sub-issue: Can't get other flexible options for repaying your loan

My private student loans through   XXXX   XXXX   charge wildly different interest charges each month. I have been paying the loans for over 3 years now and have barely made a dent in the principal ( about {$1500.00} over 3 years. ) I have car payment and mortgages where the principal balance actually decreases at a great rate than these loans.
My monthly payments are {$220.00} a month On  XX/XX/XXXX  I paid {$170.00} in interest and {$43.00} towards the principal The next month I paid 1 day later on XX/XX/XXXX  and paid {$180.00} in interest and {$43.00} towards the principal. 1 day difference in payment makes that wild of a difference in interest??
On  XX/XX/XXXX  I paid {$150.00} in interest and {$68.00} in principal The next month I paid on the SAME exact day and still ended up paying greater interest  XX/XX/XXXX  {$170.00} went towards interest and {$52.00} towards principal.
These are predatory loans and the company will not send me proof of my signed Master Promissory Note showing that these are in fact my original loans. I will not be making additional payments on these loans until they can prove that everything is correct on my account. I will be disputing this fraud on my credit report as well.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello my company complaint is in response to Equifax '' s response to my complaint against their company.
I am attaching at copy of the companies response to me from the first complaint that I made.
In their response to me they claim that I was not specific in what my complaint was.
I do believe that I stated in my first complaint that   XXXX   shows up as a " HARD INQUIRY '', on my credit report.
It is a fraudulent inquiry that should not be on my credit report. How specific do I have to get?
<P/>
Cause EQUIFAX clearly stated that " The disputed   XXXX   XXXX   account is currently not reporting on the Equifax credit file ''. So they clearly have acknowledged that I was clear on what I said in my first complaint about it.
<P/>
EQUIFAX still has not removed the said HARD INQUIRY from my credit report. As a matter of fact, EQUIFAX said that they will not remove the said inquiry from my credit report because they did not receive the said document from the creditor themselves. Which has been the issue all along.   XXXX   has not just sent the said document once to them but twice now and they claim that they did n't receive it. And I sent it once already as well via email that they provided me with. They still claim that they did not receive that email from me. I also attached it to the first complaint that I had filed. They claim they see it in their records but yet still refuse to remove it because it did not come from the company itself.
HINT .... why I filed the first complaint!
<P/>
EQUIFAX did make good on updating my name. That they did do, But they DID NOT make good on removing the said HARD INQUIRY from my credit report!!!!
<P/><P/>
Here is a copy of their response to the first complaint I filed ... ... ... ..
<P/>
Company responded STATUS Company responded on  XXXX / XXXX /2017 RESPONSE TYPE Closed with explanation Company 's Response Equifax has reviewed the complaint and its records. You did not list any specific items in which you are disputing. In order to properly address your concerns and assist you, you will need to provide specific details regarding items on your current credit file in which you disagree. The disputed   XXXX   XXXX   account is currently not reporting on the Equifax credit file. Your name has been updated to   XXXX   XXXX   XXXX   on the Equifax credit file. Your current address is currently reporting correctly on the credit file. A 90 Day Fraud Alert is currently reporting on the Equifax credit file. A copy of your Equifax Credit File has been sent for your review. Please allow 7/10 business days for delivery. If you should have any additional questions or concerns in regards to your Equifax Credit Report, please contact us directly at (  XXXX  )  XXXX .
<P/><P/><P/><P/>
( I call this number that they left for my in their response to my complaint and I do not and did not get anywhere with them either ).
Complaint sub-issue: Other problem getting your report or credit score

I applied for credit for a vehicle loan XX/XX/2020 at a local bank where I done business before.The lender said my Equifax credit inquiry said my information was identified as potentially fraudulent or misused, there for consumer report was not available.I have made 20 or more attempts the correct the problem through Equifax each time they tell me to send information to identify me and all I have gotten is a card in the mail that says I have not applied for credit recently or I have not actively used my credit in the past 10 years or I have not been issued a social security number all of which are not true.Equifax will not offer any support to help me correct this problem.I have no plan or any way to fix this problem with out knowing what to do.I have faxed information to them 3 different times that they said would solve this problem but each time they say no fax was received.
Complaint sub-issue: Account status incorrect

I called them and got confirmation that comments regarding my account were incorrect and should immediately be removed but they werent
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Got approved for an auto loan through XXXX XXXX XXXX XXXX on XX/XX/2022. Upon approval I was given a list of participating dealerships that I could use the auto loan at, I chose to go to XXXX XXXX XXXX XXXX in XXXX, Ohio. It was there that I picked the car that I wanted to purchase with the loan that I was already approved for through XXXX  XXXX. After negotiating my monthly price down with the salesperson he proceeded to run at least 6 hard inquiries without my consent or knowledge. After the inquiries hit my credit report I went to the dealership to find out how this happened and they explained to me that when I said I wanted to purchase said car that they have the right to run my credit without my consent and that I shouldnt worry because they would all be counted as one and they will fall off my credit report eventually. I tried to contact the lenders directly and they asked that I file a police report but when I talked to the police they said it was a civil matter. My credit score has fallen over XXXX points because of the dealerships mishandling of my credit information.
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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Account information incorrect

Currently in federal litigation with XXXX XXXX XXXX. Consumer reporting agency transferred me over 5 times after they saw the lawsuit. Company didn't honor cease and desist, company didn't validate information, federal lawsuit was done when inaccurate information was posted to my consumer report without permission.
Complaint sub-issue: Their investigation did not fix an error on your report

Please remove these accounts inwhich the following accounts do not belong to me nor do I have any knowledge of them. I'm asking for these accounts to be blocked, XXXX XXXX XXXX, {$1100.00}, {$500.00}, {$100.00}, and XXXX XXXX {$2300.00}.
Complaint sub-issue: Information belongs to someone else

Equifax, XXXX and XXXX has countless times allowed creditors to illegally add items to my credit report without verifying or validating this information, the following account from XXXX. XXXX XXXX Ive sent several certified letters demanding them validate any account they claim belongs to me and each time i have demanded this information this company has ignored my request but still was allowed to post this inaccurate information to each of my credit reports.
Complaint sub-issue: Old information reappears or never goes away

I have been consistent with child support in the state of XXXX XXXX XXXX XXXX County. I am making weekly payments, however, I am still having child support negatively reporting on my credit report. Every week I am making child support payments. Yet it is not showing positively on my credit report.
Complaint sub-issue: Told you not to respond to a lawsuit they filed against you

Someone stole my information out my car and I filed a police report for the fraud on my accounts and I set up fraud alerts to my social Security number
Complaint sub-issue: Reporting company used your report improperly

My husband and I recently began a refinance, XX/XX/2020, on a home. Within one week of our credit reports being pulled, my husband began receiving emails and on more than one day received up to 35 phone calls from solicitors for mortgage, debt consolidation etc. 
It is a well-known fact there is a loop-hole with the big three credit reporting agencies, XXXX, Equifax and XXXX  barring them from penalty for selling consumers information. This is a huge ethical violation as well as privacy violation to us as consumers. My husband 's business phone number has been compromised and is now being abused due to the three credit reporting agencies, listed above, selling our private information. This is unacceptable and it needs to be rectified. How do we close this loop-hole? 

We have both signed up for the OPT OUT as well as requested a permanent opt out. 

How do we proceed and how can you help? 

Thank you. 
A very frustrated consumer
Complaint sub-issue: Account status incorrect

Company violated its covid 19 arrangement. Multiple reps and supervisors advised account minimums were reset to XXXX  due for two consecutive billing cycles. 

XXXX and XX/XX/2020 were not late at all and the account was paid off completely XXXX XX/XX/2020 important to note Ive been a customer for 8+ years never once have I been 30 days late
Complaint sub-issue: Account information incorrect

I closed an account and its still showing that I just opened it and yet they still never showed that I payed it off TEN TIMES
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax Credit Bureaus to validate this account ( A ). 
As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Complaint sub-issue: Public record information inaccurate

Two companies under my name shown on credit reports. Equipment, credit cards, loans, mortgages,. This been going on for 17 yrs 6 months. I did complaints. I let Equifax that my identity theft fraud. I still havent got any answers. I reported this XXXX XXXX XXXX XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

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 XXXX XXXX XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Having problems with customer service

Please explain why a representative from ECMC called my parents ' house today, XXXX XXXX, 2016, and what they wanted to speak with them about? As you had stated in your prior correspondence that you did not disclose information about my loan to anyone you called, please confirm what you wanted to speak with my parents about? Please also state what the purpose of calling them is ( outside of the incorrect answer that federal law requires this ), when you have confirmed you are in contact with me and I have specified since last year my desire for communication via my email address, you have my current address which confirms I do not live with them, and they are not cosigners to my loan or would have any knowledge whatsoever in regards to my loan. Please confirm how many times you called my parents?
Complaint sub-issue: Debt was discharged in bankruptcy

XXXX have a bill thats is 12 years old now ERC COLLITION AGENTS THEY REPORT IT AS A NEW BILL I HAVE THEM REMOVED THREE TIMES AFTER A COUPLE OF MONTHS THEY REPORT IT AS NEW AGAIN THE TIME HAS RAN OUT ON THIS WHY DO THEY DO THIS
Complaint sub-issue: Information belongs to someone else

These accounts do not belong to me. Please remove the negative items as soon a possible, because they are hurting my credit. 

1. Identity Theft XXXX  Account Number : XXXX**** This is not mine.

2. XXXXXXXX XXXX UPLIFT INC. 
Account XXXX : XXXX This is not mine.
Complaint sub-issue: Investigation took more than 30 days

i have filled a dispute in regards to the incorrect items on my credit report. It has been 30 days and i haven't received any investigation results.
Complaint sub-issue: Information belongs to someone else

All three major credit bureaus seem to be reporting the same erroneous information that includes harassing debt collectors that are calling me, however these negative accounts do not belong to me. The results of this has cause my credit score to drop considerably.
Complaint sub-issue: Other problem getting your report or credit score

I called equifax numerous times to see why my credit score wont update since XX/XX/2022 and its XXXX. When I use XXXX  it tell me equifax have not record of my history online i pay XXXX a month for yrs never had a problem until last 2 months with equifax. Then if I log into equifax.com I got message with a code saying due to technique errors ur report is not updated for months, and it tell you to call equifax customer service with code and they was not knowledgeable regarding equifax code etc. when I pay for my fico score equifax not updating at all it tell me same thing to call equifax, I have proof of all messages it give u when I log into all my credit accts. I called all my credit card companies, car note, student loan, etc accts and they been reporting for yrs with no problems. They report my name, ss, address I been at for yrs. These is not new credit accts years n years old acct in positive status. Everytime I called equifax back they tell me its not a problem no solution, and im n process of trying get a mortgage and my scores stop being reported with no info all of sudden since XX/XX/2022 .i have paid off cards and paid down cards other been reporting with XXXX  n XXXX  with no problems. I need help and a fixed solution .I pay money for my credit monitor services I have few of them for yrs and never had this problem with equifax until last 2 months.
Complaint sub-issue: Debt is not yours

IC system has been reporting on my credit report for a {$760.00} XXXX bill Ive never had t-mobile account or an account with IC systems they are hurting my credit score
Complaint sub-issue: Their investigation did not fix an error on your report

I am a victim of identity theft I notified equifax numerous times I circled items in my report that were fraud sent them identity theft police report and was told by the fcra 605b that they are required by federal law to remove these items and equifax refuses to remove items, I have tried for over 3 years to get said items removed and they are refusing to do so, they have cost me homes mortgages loan, jobs, and credit cards because of inaccurately reporting these items on my file. I have done what I was told to do and equifax refuses to cooperate and I am filing a complaint with you to force them to cooperate with the law. I will file complaint after complaint until items I circled are removed. And I also will be bringing them to court in regards if it they are not removed for damages.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXXXXXX Account # XXXX XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXccount # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX, has XXXX 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: Problem during payment process

On XX/XX/XXXX XXXX XXXX I received an email from XXXX that they received my online payment of {$21.00}, confirmation number XXXX. XX/XX/XXXX was the due date and made my payment on the due date. Since then I have received countless emails indicating my monthly payment was past due and this morning I received a computerized phone call from Citibank ( I guess they handle XXXX credit cards ) indicating my payment is past due and that is not accurate, my payment was made on time. I eventually got to speak to a representative during the computerized phone call but the call was quickly disconnected. I called the toll-free number provided, spoke to a representative from Citibank, gave him the confirmation number of my payment and he said the payment takes a few days to process but he would update the records, but I don't want to be continually harrassed every month when making my monthly payment on a timely basis because XXXX XXXX system takes a few days to process the payment. This harassment has to stop, the emails and phone calls are not necessary.
Complaint sub-issue: Debt is not mine

Altran Financial aka United Recovery Systems continually calls my cell phone number looking for XXXX XXXX. This number is new to me as of XX/XX/2015. They have stated multiple times that they will remove my number from their list but I still get calls. This has been going on for 6+ months.
Complaint sub-issue: Their investigation did not fix an error on your report

COMMERCE BANK, PLEASE CORRECT ALL BUREUS, ESPECIALLY XXXX.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX, Equifax and XXXX are reporting 9 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.