Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I received an alert yesterday ( XX/XX/2019 ) of a hard inquiry on my credit report from XXXX XXXX XXXX XXXX XXXX from Equifax. I have not been an XXXX XXXX XXXX customer for years now so I inquired. There were no unpaid charges to my old account. However yesterday my credit was ran by XXXX XXXX XXXX an someone that had my SSN, DOB and address in Connecticut was allowed to open an XXXX XXXX XXXX account with " three lines '' in XXXX, Puerto Rico according to XXXX XXXX XXXX. They supposedly froze the account but were suppose to email me confirmation of all of this and after 17 separate times in the last 48 hours of me trying to contact the XXXX XXXX XXXX fraud department ( XXXX XXXX ) I continue to get hung up on and still have yet to receive confirmation that my identity is once again secure or that any action has been taken against the individuals who have stolen it and I have no idea how far this is going to effect me. I filed a consumer protection alert with XXXX and supposedly this will be forwarded to the other credit bureaus but I have yet to receive any confirmation from them either.
Complaint sub-issue: Company closed your account

On XX/XX/XXXX Citibank Advantage Mastercard canceled my card and issued a new one with out my knowledge. I had to call after my card was declined several times to find out what was going on. Customer service told me that I requested for 1 of my 2 authorized users to be removed and to receive a new card number. I told them that this was incorrect and that neither I nor my authorized users made that request. Because they had already canceled my card and issued a new one, I was unable to use my card until the new one arrived on XX/XX/XXXX along with a letter again saying that it was canceled at my request. I have called to try find out what happened and no information is being provided. I filed a complaint and requested an investigation, but haven't received any updates. Now the new card is being declined. I called today on XX/XX/XXXX and was told that my entire account was closed on XX/XX/XXXX. Again I was not notified and they will not give an explanation for closing an account that I have has for at least 10 years with no issues.
Complaint sub-issue: Company closed your account

i had the costco XXXX XXXX credit card as a member, when costco decided to switch from XXXX XXXX, as the only credit card they would allow costumers as the payment method, to the XXXX visa card i was switched to it automatically, after about 1 year when the XXXX card expired i got a letter saying that they were closing my account because of delinquency on an old account. i called i asked them why they gave me the credit card for 1 year and that they couldve not gave it to me from the beginning they told me they had the right to cancel my account at any time, but not only they cancelled my account but they kept charging me for late fees and interest i told them that if they were the ones closing my account at least they shoudlve stop charging me late fees and more interest! i need to mention that while my account was active i never missed a payment, never had a late payment and i paid the whole amount at least 3 times, and also they said that they were not giving me the rewards money ( costco cash back rewards ) that i had earned until they closed my account.

so i think they were racially profiling me and discriminating me
Complaint sub-issue: Didn't receive enough information to verify debt

I am currently XXXX and unable to work or secure full time employment. I am attempting to resolve a few issues on my credit report so I can relocate though a low income housing program offered through the XXXX XXXX XXXX. I am being represented by a credit counseling agency and on XX/XX/2021 they attempted to contact MS SERVICES LLC on my behalf to pay this resolve this debt on my behalf. I was literally in the office with them when they made the call and they refused to cooperate with my representative. This type of behavior is unacceptable from a professional debt collection agency that they claim they are. I will be contacting there client, XXXX XXXX XXXX XXXX and ensure that they are fully aware what kind of 3rd party company they are associating themselves with. We were simply calling to confirm the nature of the debt and pay it using the housing authority funds allocated for me through the homeless initiative. Why does a debt collector not want to collect debt?
Complaint sub-issue: Received bad information about your loan

Starting 3 years ago, I have tried to reach out to reach out to Sallie Mae to see how I can start settling my student loan and had trouble getting in touch with someone to help me get information on my account. In the meantime, my grandfather, who is the co-signer on the loan has been harassed by debt collectors threatening to sue him, but not giving any specifics of how much it owed or how he/I can settle this loan. 

Eventually I figured out my debt got sold to XXXX XXXX. 

Since then, I have reached out to get started on my repayment options with XXXX  only to have been lead to shady websites and broken links I even have been given disconnected contact numbers. This has been an ongoing process for about 2 years. 

I then was pointed to a credit repair service that I thought could help me get to the bottom of this situation. When I would talk to this service, they claimed that this loan was shown as being " none reported '' ( I have a downloaded PDF that reflects this ). The service was working for over 6 months to get this taken off my record but it didn't seem there was much else they could do, so I discontinued the service. According to the service, this would eventually get sorted out, it would just take time to reflect on the record. 

In the meantime, I have disputed the loan on my credit report on both XX/XX/XXXX and XX/XX/XXXX to see if I could resolve it this way both times the loan was verified as accurate. 

My complaint is not necessarily about the repair service, although I am unsure whether they've mislead me to believe this loan is not detected on my record. Instead, this complaint is about the loan company and a lack of feedback on how I can get information on this loan. This has greatly impacted my credit score, and I'd like to start getting this sorted as soon as possible.
Complaint sub-issue: Their investigation did not fix an error on your report

My disputes may have been overlooked in these past months. I have been trying to remove unknown and unverified accounts from my credit report. Please help!
Complaint sub-issue: Investigation took more than 30 days

Reviewed my credit profile and saw an authorized account XXXX XXXX. I find that strange because I have never lived there. The creditor has ignored my request of this alleged debt and has FAILED to send proper validation. Therefore this is FRAUD. This violates 18 US Code 1028A- AGGRAVATED IDENTITY THIEF. I have placed a security fraud alert on my SSN to avoid instances like these in the future.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has 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 719XXXX has me at a score around 590. 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 n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 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 n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help.
Complaint sub-issue: Card opened as result of identity theft or fraud

I got zero response from the credit card company name ELAN FINANCIAL SERVICE please help me remove this identity theft card I have never opened an account with this company in my life at this point my identity was stolen from me.
Complaint sub-issue: Information belongs to someone else

FTC Violations Name is not correct : XXXX XXXX Never lived at following addresses : XXXX XXXX XXXX XXXX # APT XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX XXXX {$6700.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$3400.00} XXXX XXXX  XXXX {$2600.00} XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX {$2600.00} XXXX, XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$890.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

I wanted the XX/XX/2020 payment deferred due to COVID-19. Discover refused to allow the deferment.
Complaint sub-issue: Account status incorrect

Equifax report as of today reporting XXXX XXXX account is closed with a {$0.00} balance. Yet it says original creditor is a company by the name of XXXX. I have never signed any contract at anytime with a company by the name of XXXX and so I know they can not present an original contract or verification of debt from that company. Therefore, for XXXX XXXX to present a debt not owed by me from the original creditor XXXX, XXXX XXXX reporting I owe a debt they assumed from XXXX is impossible and so is clear contract fraud, consumer fraud, and a clear attempt at extortion through CRA reporting manipulation. Violations of the FCRA, FTC, and SEC.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a public record showing on my Equifax and XXXX credit reports. The public record belongs to someone with a very similar name and address, but it's not my address and it is not my public record. 

I have disputed with both agencies on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX It has come back as verified through XXXX. I have opted out of XXXX, but this information is incorrect. I looked up the public record using the information from my credit report and I understand the confusion because the details are very similar to me, but it is not me. 

This has caused me significant stress as I have been declined credit and offered higher interest rates because of the inaccurate information.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX  XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX have 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: Card was charged for something you did not purchase with the card

Regarding Fidelity Rewards Visa Signature Card A small purchase ( {$40.00} ) was denied by card issuer on XX/XX/2018. My wife called card issuer customer service and was asked to verify her identity by answering multiple questions ( as usual, address, SSN, credit limit, etc. ) She was told that an unidentified individual had contacted the card issuer by phone on XX/XX/2018 and had made a change to the account in so far as a new personal phone number had been entered, and therefore fraud was suspected. The representative informed my wife that the card would be " blocked '' until one of the card holders could appear in a Fidelity office in person to verify the account. On XX/XX/3018, I personally appeared in the Fidelity office in our local community and in a conference call between myself, the local fidelity rep, and a credit card service company " fraud '' representative I was asked to review recent purchases. I was informed that two purchases had been made with the card on or about XX/XX/2018, one in the amount of {$990.00} which was clearly a fraudulent purchase. ( even though we had previously been told the card was " blocked '' ). The credit card rep then when on to verify account information including the " new '' personal phone number, which of course I identified as fraudulent. She stated the account would be closed as of that date and new cards with a new account number would be sent to us within two days. 
On the third day after that conversation no new credit cards had been received. I once again called customer service and the rep used tracking information to confirm that the cards had been delivered the day before. When I asked the rep to confirm the delivery address, I learned that the cards had been sent to a fraudulent address entered on the account on XX/XX/2018 at the time that the fraudulent phone number had been entered! And I would presume that the fraud complaint form was mailed to that address as well, since I have not received it at the correct address, thus alerting the " fraudster '' to the entire sequence of events! Clearly the second representative, who interviewed me in the Fidelity office, failed to verify or document all the pertinent account information ( specifically the account address ). 
Another account number and new cards were offered but after discussing the events with both the credit card fraud department and two supervisors in that department, I decided I did not want to continue as a customer and asked that the account be closed. I expect to have all fraudulent charges charged off but I do not as yet have confirmation. 
So the issue is " resolved '' but I think the errors made by two credit card representatives have put much of my personal information at risk. And the company informed me it was MY responsibility to alert my local police department to the fraud.
Complaint sub-issue: Debt is not yours

I see citibank {$770.00} reported from Citibank since 2017 1. ) I never had a credit card account with citibank 2 ) I don't owe citibank {$770.00} 3 ) THis is not my debt. I need this to be removed from my credit report as soon as possible. 

Thank you, XXXX XXXX
Complaint sub-issue: Trouble with how payments are being handled

From what I was told by the " escalation department rep '', XXXX is the " administrative and secretarial assistant '' for Great Lakes Guarantor. After repaying my loan in full in XX/XX/2018, XXXX continued wage garnishment for 3 consecutive pay periods. They finally sent a letter to my employer to stop garnishment two weeks ( another pay period ) after I called. When it comes to getting any question answered regarding the status of my account, or when I might be receiving reimbursement, the answers are generic and scripted. " The account is closed. The accounting department doesn't have a contact number and is behind. We have no other information on your account. '' After over 30 min speaking to both reps, I was given the number to Great Lakes. Mind you, the second rep, " XXXX '' kept cutting me off with " We don't have information on your account ''. Poor customer service, rude and unhelpful. I ended the conversation with XXXX, letting him know that if Great Lakes was who I should speak with, he could've saved us both time by redirecting me there 15 min. prior.
Complaint sub-issue: Overcharged for something you did purchase with the card

XX/XX/XXXX, XXXX sold us tickets to a concert at XXXX in XXXX XXXX on XX/XX/XXXX. Tickets were represented on a seating map as being Box seats in the Front Orchestra.  When the tickets were delivered it was clear they were in the last row of the Rear Orchestra, or instead of being $ XXXX seats they were {$70.00} seats. There are about ten correspondence with the company that they would look into it and finally that they would reimburse {$170.00}, on a {$590.00} charge. 

We filed a complaint with the Citi Visa a few days after the charge and on XX/XX/XXXX realized that they had accepted XXXX explanation. No one from Citi Visa contacted me and the letter on line is a form  letter with no explanation that is appropriate to the dispute. XXXX maintained they delivered the cheap tickets. Citi Visa has a misleading accounting system on my account where they show the {$590.00} charge and a - {$590.00} dispute, but it isn't an accurate representation of the facts. 

I called Citi Visa today and they say they will investigate the matter and resolve it in 14 days, but since they didn't call me on the original complain I have little faith in their ability to be effective in a resolution. I also contact XXXX that provides the Citi Visa and they said there was nothing they would do.
Complaint sub-issue: Was not notified of investigation status or results

on XX/XX/XXXX i sent a dispute to your company stating that your company is reporting and has been reporting inaccurate information on my credit report. I was never notified of any investigation status starting nor do i have any results from that investigation. This is the dispute I sent : " I recently obtained a copy of my credit report from your service and have found the date of last activity is inconsistent and inaccurate across Equifax, XXXX and XXXX for the account : XXXX XXXX Account # XXXX According to 15 usc 1681s-2 of the Fair Credit Reporting Act, it is the job of the furnisher to make sure that all information reported is reporting to 100 % accuracy. How can this information be accurate if all 3 Credit reporting agencies are reporting 3 different dates of last activity for this account. XXXX is reporting a date of last activity of : XX/XX/XXXX, equifax is reporting : XX/XX/XXXX, and XXXX is reporting : XX/XX/XXXX. If all three bureaus are reporting different information, which bureau has the right information? This account can not be accurate which means that the furnisher has decided to disobey the FCRA and report information that they know is not accurate. This account was in fact deleted from XXXX because of its inaccurate reporting. Now Because of the explicit disobedience of the furnisher and your neglect to make sure that the information was indeed correct and verifiable, I as the consumer am demanding this account be removed and deleted because of its inaccurate reporting. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for your re-investigation of this item. '' Remove this item because you have broken federal law and have been reporting inaccurate information, in this case different date of last activity on my report than other bureaus.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has 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 719XXXX has me at a score around 590. 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 n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 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 n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Complaint sub-issue: Was not notified of investigation status or results

I initiated a dispute regarding incorrect items which were listed on my credit reports. It has been well over 30 and I have not received any response from the Credit Reporting Agencies.