Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive advertised or promotional terms

Home Depot promoted {$50.00} off my purchase of {$300.00} or more when approved for a Home Depot credit card on XX/XX/2022. I signed up and was approved on the spot and input my new card information for the purchase, but no discount was creditted to the purchase before completing my order. I called their card services and the XXXX  representative told me it would be taken off my XXXX statement once i paid off the XXXX statement balance. I informed him that was not what was advertised and requested to speak to a supervisor. The supervise informed me the first representative was incorrect, and I will receive a {$50.00} credit on my first statement, reducing my amount due for my XXXX  statement from {$360.00} to {$310.00}. That was not what was advertised, but I found this to be acceptable. Today, i received my first statement and there is no credit applied to my purchase, meaning The Home Depot has failed to abide by the terms set forth and agree upon when my line of credit was opened. This is false advertising and breaking legally binding agreements between two parties and needs immediate resolution. I should not have to reach out multiple times to receive a promotional discount due to me and receive a run around. I was told this discount will take approximately two weeks to be reviewed, which is pushing the due date on my statement.
Complaint sub-issue: Problem with fees charged

I've explained to Ally Financial several times my current financial hardship. We discussed different payment plans making it feasible enough for me to become current with my loan. We agreed that I would pay an extra {$100.00} a month to bring the loan current. However, I am also being charged a late fee of {$100.00} each month, making a current balance unobtainable and furthering my debt. I am now being threatened with repossession, and harrassing calls XXXX to XXXX times a day to my phone and my family members, while still making payments.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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
Complaint sub-issue: Debt is not yours

I got a collection notice letter stating that I owe {$770.00} from XXXX XXXX XXXX. However, I was never used XXXX XXXX XXXX. This is the first time Afni, Inc. contacted me. 
I have not call back or requested them to provide a validation letter. 

Anfi Letter received on XX/XX/2020 Balance due {$770.00}
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2022 I notified the Equifax of inaccurate & non-compliant accounts as well as other errors being listed in my Consumer Reports generated by Equifax. After not receiving any correspondence from them, I notified them again of my concern of the previously mentioned violating accounts on XX/XX/2022, and I still have yet to receive any correspondence about their efforts to correct the errors and correct my consumer report. Not only is Equifax in violation because of the inaccurate and character defaming items reflecting on my Consumer report generated by them, but they have also ignored my rights as a consumer granted by the Fair Credit Reporting Act to correct any and all errors being reflected in my consumer reports. This issue has caused substantial financial restrictions making me unable to continue my pursuit of economic involvement as a member of society but has also caused a major blemish on my character and reputation.
Complaint sub-issue: Problem using a debit or ATM card

I had several accounts hacked at the end of XXXX including my debit card with Wisely ( ADP/Global Cash Card ) being use without authorization to rack up some {$1300.00} in charges. I had one previous merchant dispute for {$100.00} parking that happened a couple weeks before ( they didn't resolve it ) otherwise had no issues up until this point. My problem with Wisely is that they place the burden of unauthorized activity on the consumer. It's been almost a month and I still don't have any of the funds returned to my account. It's over {$1000.00} dollars! Not being given provisional credit for transactions I didn't authorize is absurd and it puts all of the burden on the consumer that's not fair at all. They have not been helpful I have sent them everything they've asked for and more, I've emailed and called to check on credit and am told they don't do that. Well guess what, if you're going to operate like a bank I expect the same protection. I want the credit issued to my account immediately.
Complaint sub-issue: Can't close your account

For the past year I have been asking CBNA/SHELL to remove me as an authorized user. I have called and sent letters to the bureaus and to CBNA directly to get removed.
Complaint sub-issue: Report improperly shared by CRC

EQUIFAX is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( XXXX ) XXXX, ( c ) Federal Reserve form XXXX balance sheet ( s ), ( d ) Federal Reserve form XXXX XXXX ( s ), ( e ) Federal Reserve form XXXX XXXX ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from EQUIFAX in accordance with XXXX. in accordance with basel XXXX accord and XXXX. conventions. I also asked them to present the same documents from the following vendors/creditors as well as the original contracts so that I can verify the validty of my signature : XXXX XXXX XXXX & XXXX, XXXX XXXX OF THE XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and they have not provided me with the requested information, Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted
Complaint sub-issue: Contacted me after I asked not to

This company calls me 20 times a day from different numbers throughout the ALL US States, NOT just CA. I was hospitalized and they were told not to call, yet continued to call daily. They record ALL conversations without notifying the caller, and in CA that is not legal. They call before XXXX, and after XXXX. This is all harassment and they do not care.
Complaint sub-issue: Personal information incorrect

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX XXXX My name is XXXX XXXX XXXX XXXX delete any and all variations of my name they are not accurate. I have some issues with addresses on my file that are not mine. Please remove the following addresses from my credit report they are not accurate please remove delete ASAP : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX i HAVE NEVER USED ANY SOCIAL SECURITY NUMBER ENDING XXXX PLEASE DELETE IT FROM MY CREDIT FILE. THE FOLLOWING NUMBERS ARE NOT MINE : ( 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 I DO NOT WORK FOR ANY OF THESE COMPANIES ERRORS PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Frequent or repeated calls

I receive at least six calls a day from automated number XXXX. Yes I owe the money and yes I told them when I would pay it. this is an automated system and live operators. One call and I let them know I would take care of the bill it is only 2 wks past due - balance is small and will be paid by the end of month. I have asked them to quit calling me all day long and they said it 's in the computer and they ca n't change it. Enough is enough.
Complaint sub-issue: Debt is not mine

ENHANCED RECOVERY COMPANYXXXX XXXX, FL XXXXTel : ( XXXX ) XXXXFax : ( XXXX ) XXXXDear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX XXXX XXXX or any company associate with this account # ENHANCED RECOVERY COMPANY AAC # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : XXXX XXXX XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, SOC SEC # XXXX DOB XX/XX/XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hello there! 
I hope youre doing well today. This company put high inquiries on my credit file but I didnt give them authorization. 
They put inquiries on : XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019 Therefore Im asking them if theyd kindly remove those inquiries. 
Thanks
Complaint sub-issue: Reporting company used your report improperly

I sent Equifax a notarized letter. Stating that they have violated my rights under the Fair Credit Reporting Act 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 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.
Complaint sub-issue: Problem with customer service

Terrible experience with F ed LoanServicing.  I am in the PSLF program. When I submitted my first ECF, my loans were switched from  XXXX  to FedLoan. I received no credit for past qualifying payments for PSLF that were amde while being serviced by  XXXX . I called a few times and finally someone was able to " help '' me.   They said my account files needed to be thoroughly reviewed, and that I would learn of the results of the review  in 12 weeks. It has been more than 12 weeks and no one is able to say anything other than : File is still being reviewed.
Complaint sub-issue: Didn't receive enough information to verify debt

I have been disputing this collection for the past couple months. Equifax has stated that this account was verified, but has failed to provide verification. The collector only provided me with a screenshot of an itemized statement of charges. They did not provide me with any original contract bearing my signature proving this debt.
Complaint sub-issue: Didn't receive enough information to verify debt

I have been disputing with the company since XX/XX/2015. I also submitted a ftc report regarding this complaint on the original company with no validation of the debt. I viewed my credit reports and also contacted the other 2 bureaus and they removed/deleted with no problem. I have contacted Equifax several times. I have spoke to different reps and came out with no results. I have sent in my police report 3 times and yet they still have not sent me any information. I have asked for proof that this account is mine. I have been dealing with this going on 4 years. This is not fair to me as a person.
Complaint sub-issue: Personal information

Addresses you 've never lived at or used as a mailing address
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Account status incorrect

Equifax ; XXXX  and XXXX  should not be reporting that I am ( 120 ) days late on XXXX  XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

Department of Education/Nelnet opened XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX have all been refinanced but showing inaccurate payment history and should be deleted after 7 years off my file since the account is closed. If the closed account includes negative information that's older than seven years and I would like it removed from my credit report.
Complaint sub-issue: Problem when attempting to purchase vehicle at the end of the lease

In XXXX I leased a XXXX from XXXX XXXX in XXXX, Indiana. In XXXX I secured a new job in another state and moved. In XXXX of XXXX I secured a loan to purchase the XXXX that I was leasing. During the loan process Volkswagen mistakenly paid the sales taxes to the wrong state ( Indiana ). As a result, the bank was not able to register the car in the right state ( Pennsylvania ). The bank officer working on the loan and title transfer and myself have reached out to Volkswagen numerous times over the last 11 months and asked them to produce and send an affidavit verifying that the sales taxes were paid to the state of Indiana so that the car could be registered and have the title released and switched over to my name. To date Volkswagen  has not produced the affidavit, released the title or done anything that has resolved the issue. XXXX, the Volkswagen representative assigned to the case does not return phone calls to XXXX XXXX the loan officer. Because the car is unregistered and I do not have a garage to store it in where I live the car was recently impounded by the police and collects fees everyday. It will be auctioned and I will have to pay the loan payments for the car regardless of if it is sold at auction. The police department will not release the car without proof of registration and the bank can not register the car without the title or the affidavit. I am at my wits end and do not know what to do to resolve this issue. 

Desired Outcome Volkswagen must produce and send an affidavit verifying it paid taxes to the state of Indiana to the bank loan officer, release the title so the car can be registered, pay the impoundment and towing fees and correct any problems associated with this issue.
Complaint sub-issue: Account information incorrect

This account is in a Chapter XXXX Bankruptcy executed by XXXX and XXXX XXXX XXXX XXXX I have paid all post petition payments up to date. 

XXXX XXXX continues to report this account 180-150 days late. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all attorneys were provided this information on numerous occasions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, continues to report incorrect information, continues to pursue aggressive foreclosure procedures ; continues to hold {$2900.00} of Borrowers funds in a Bankruptcy Que Suspense account without interest. 

They have refused to provide the purpose of the account and why the funds re not applied to post petition payments. 

They have also refused to provide an accurate accounting of payments with pre and post petition charges. 

Please assist. 

The details and comments of your account **** XXXX is with XXXX XXXX XXXX XXXX . changed. This Conventional Real Estate Mortgage comments changed on XX/XX/2020 : Comment 1 : Real estate mortgage Comment 2 : Conventional mortgage Comment 3 : 150 days past due Important Notes : If you believe the details or comments are incomplete or inaccurate, contact XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX TX XXXX. 
It can be a good idea to check your credit reports to make sure the information is accurate and complete. You should review your credit reports regularly to watch for suspicious activity.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a " medical Debt '' from Eastern accounts on both my Equifax and XXXX reports, I was FULLY insured and proof of such is being uploaded into this dispute!!!! 

How can you justify billing ME and not collecting from my insurance? pure laziness!!!!!! 

They love to throw around that the debt is " Valid '' well lets see PROOF of that not just your lying word that its so called " Valid '' because here is MY proof that I was not only insured BUT that the medical visit was 100 % covered by my insurance company. 

It's far too easy these days for these companies to scam and try to collect, " We find it valid '' WELL OF COURSE YOU DO!!!!!!!! no one thinks its a conflict of interest? THEY do the investigating? ohh well you mean they found it valid? no? you don't say!! 

WELL LETS SEE PROOF!!!!!!
Complaint sub-issue: Problem with customer service

This company has repeatedly been negligent with customer service matters. Recently, I submitted an inquiry about my bill through the online customer service portal and did not receive a response at all. I waited for two weeks and ultimately had to call customer service because they never responded to my original inquiry.
Complaint sub-issue: Public record

I would like to have my credit report updated and the judgement removed from my report as it has been satisfied/paid in full. Thank you
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  Account # XXXX, and XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX and Equifax did not follow bankruptcy law, they allowed XXXX XXXX and XXXX XXXX to re-report lateness on my report after they were in my bankruptcy and discharged, also all information was removed and placed back on my credit. All three reporting companies also list duplicates of my student loans, I have 6 student loans all in good standing, they have 12, 6 of which showing late. Even though I have great payment history for two years they continue to lower my score, then solicit money for me to buy something to help my credit, how can they control our credit and make money from companies trying to sell us something. If my score does not change, after being turned down for a home loan, I will be filling a lawsuit.
Complaint sub-issue: Problem getting report or credit score

THERE ARE XXXX ISSUES LISTED BELOW : I have disputed this over and over again. I filed bankruptcy and the report ( equifax ) is showing this to be open. XXXX/XXXX, shows open and it should state in bankruptcy closed. All the others on my report are closed except for this XXXX. Yes it belonged to me, yet, they did n't come to the court to dispute it so they lost out. My atty said i do not owe this amount. This should show closed and in bankruptcy like XXXX, and XXXX etc. These show closed. Also, I have been DENIED credit and all XXXX credit reports are saying I can not get my report again because I got XXXX free at the beginning of the year. Since then I 've disputed information that should have been corrected and when I applied for credit they say I ca n't get it. Which is fine but I want to see my report because of it. Please let me know this will be closed as XXXX and then XXXX I will get after they close it out an updated report from all XXXX credit report agencies. XXXX has told me they get all information from XXXX XXXX and equifax IF anything on their site is incorrect ( which it is ) I have to go thru the credit reporting agency which I did. To NO AVAIL. Please correct. Thank you