Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Having problems with customer service

For multiple months my cosigner and I have been trying to get him removed from my loan as a cosigner! We have been told multiple times that I needed to make 48 pmts to be eligible! On XXXX XXXX, 2016 I made my 48th pmt but received a letter today stating that I had been denied for cosigner release because I had not made 48 pmts because one of those pmts was late! I found out that the late pmt was made when I switched my direct debit account even though it had been approved on the XXXX and my pmt was due the XXXX, they did not debit the XXXX out and I was late by 10 days because I was unaware! I spoke to XXXX customer service reps and a supervisor all confirming that this was fine and would n't matter because it was there mistake! After speaking to another XXXX representatives and a supervisor liaison today, I was yelled at, threatened to be hung up on, and placed on hold for several minutes! I was told that even though it was there fault they still denied it! American education services stated that my loan was through national collegiate trust and they were the ones that denied it! I asked for their contact information and was told they did n't have any contact info for them even though they were collecting a debt for them! I also asked for the promissory note giving them permission to collect on this debt and they refused to provide it! I asked to speak to supervisors and they refused to let me speak to anyone! There are multiple complaints online regarding this company and the scam they are pulling! I 've been paying on this loan for over four years and my balance has only decreased by very little! This company is scamming people and will not work with anyone or provide any information regarding my loan!
Complaint sub-issue: Information belongs to someone else

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC identity Theft report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent is identity theft. 

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 XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Inquiry Date XX/XX/2020 ; XXXX/XXXX  Inquiry Date XX/XX/2020 ; XXXX/XXXX  Inquiry Date XX/XX/2020 ; XXXX/XXXX  Inquiry Date XX/XX/2020 ;
Complaint sub-issue: Account status incorrect

XXXX XXXX incorrectly listed an account in my name as 30 days past due. XXXX XXXX fixed the error, and notified the Credit Reporting agencies that is was fixed. It it still showing as a recent past due account and affecting my credit score and ability to get a good rate.
Complaint sub-issue: Information belongs to someone else

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

COLLECTIONS XXXX {$1200.00} XX/XX/XXXXXX/XX/XXXX XXXX {$610.00} XXXX XXXX XXXX  XXXX {$44000.00} XXXX XXXX {$170.00}
Complaint sub-issue: Account status incorrect

On XXXX XXXX, XXXX I submitted correspondence by certified mail to XXXX XXXX because of suspected fraudulent activity by the bank. I have delivery confirmation from USPS that XXXX XXXX received the letter. They have refused to address my concerns by remaining silent and have continued to seek payment. I have revoked my signature on the application as a result of un-rebuttal about the matter concerning the fraud. Attached you will find an unsigned copy of the letter I submitted to XXXX XXXX on XXXX XXXX, XXXX. Additionally I have submitted a sworn under oath, affidavit on XXXX XXXX, XXXX, with delivery confirmation and PROOF outlining the fraud and revocation of my signature from the original application as the law permits under fraudulent acts. XXXX XXXX has continued to remain silent about addressing the bank fraud. As a result this account is null and void. Further credit reporting is in violation of the Fair Credit Reporting Act and all parties responsible being Ally Financial and XXXX, XXXX, XXXX, and Innovis will risk a lawsuit with the state and federal courts for damages of this illegal activity.
Complaint sub-issue: Information belongs to someone else

I have been dealing with the Credit Bureaus and I have sent them all documents that they ask for to prove that I had fraud to my credit.
Complaint sub-issue: Public record information inaccurate

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX XXXX equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX
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 XXXX 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 XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter  PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Complaint sub-issue: Their investigation did not fix an error on your report

I have informed Equifax that these accounts are not mine but they refused to delete them. These were opened without my knowledge or permission. These are fraud accounts that are listed for DEPT OF EDXXXX XXXX XXXX Bank Delaware. There has also been unauthorized inquires that I did not give permission to have my information given to from XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Bank, XXXX - XXXX XXXX. I have called the companies they tell me to contact the bureaus, I contact the bureaus and they do absolutely nothing. Please delete & block this information from returning because this is such a headache attempting to get this information corrected. Thank you
Complaint sub-issue: Was not notified of investigation status or results

XXXX i sent a letter regarding inaccurate and unknown things on my credit report to this day over 120 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate the items within 30 days gives a reason to immediately remove those items from my credit report it has been over 120 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Threatened or suggested your credit would be damaged

The total collection amount of {$620.00} was paid in full on XX/XX/2017 with a promise from the collection agent for account removal on credit reports. The balance is now XXXX but the collection account is never removed from my credit reports. I tried to get this issue resolved, but they are not taking my calls now. They hang up on me multiple times and put me on hold for more than 20 minutes and then hang up. They are very rude and unprofessional.
Complaint sub-issue: Didn't receive terms that were advertised

I opened a checking and savings account package in response to Citibank 's bonus promotion. The promotion was open a checking and saving accounts package, deposit at least {$15000.00} into the combined accounts, keep it for at least 60 days. Then within 90 days after meeting requirements, {$400.00} bonus will post to my account. 

I opened the accounts and deposit XXXX on XX/XX/18. The XXXX had to remain for 60 days until XX/XX/18 but I kept it there until now. Now 90 days after XX/XX/18 and I've not received the bonus as promised. I chatted with the Citibank agent and he didn't know about the promotion. I told him to XXXX it since the promotion is still on going until XX/XX/2018. I then called a different agent and he said he will investigate. 

Checking online, many people are having this problem that Citibank promised the bonus but doesn't deliver until customers filed complaints with the CFPB.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax Dispute Issue I contacted Equifax about a collection posted to my credit report in XXXX 2017 and submitted a dispute over the phone with them, confirming that my date of birth, social security number, and name was correct in their system. 15 days later I called to check the status of the dispute and found out the collections agency, XXXX XXXX had the correct person. As this was fraud and not an account of mine I submitted a re investigation in XXXX  2017. It was still found to be an account of mine, which was not, as the birthday and social security numbers were not the same, so I submitted a third re-investigation. By this time I was fed up with Equifax and their lack of looking at the details in seeing that the information did not add up so I called XXXX XXXX myself and they said that the account was indeed not mine. The fact that Equifax still decided the account was in my name and deserved to be on my credit report shows the complete incompetence of the company. The investigation process used by Equifax is ridiculous as they must not investigate much into disputes as I was able to figure out more information than they were. This makes me wonder how many more have been subject to this company 's ignorance and why nothing has been done by the consumer financial protection bureau to fix these issues and Equifax 's lack of professionalism. It took me investigating and days of contacting the company and equifax to fix this issue that was all due to Equifax 's incorrect reporting. How does a CRA validate submitting a collection with different social security numbers and birth dates to someone 's account and how come the CFPB is not holding them accountable for this?
Complaint sub-issue: Problem with personal statement of dispute

According to the Fair Credit Reporting Act Section, 609 ( a ) ( 1 ) ( A ), Equifax is required by federal law to verify through the physical verification of the original signed consumer contract, any and all accounts posted on a credit report.
Complaint sub-issue: Information belongs to someone else

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, the following creditors has violated my rights : 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 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Investigation took more than 30 days

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Complaint sub-issue: Didn't receive enough information to verify debt

XXXX {$520.00} on credit report since XXXX. 

I disputed this in XX/XX/XXXX requesting accuracy and the name of the Creditor but all they did was say it was an accurate debt. 

I am not sure who this creditor is or why theyre on my credit report.
Complaint sub-issue: Application denied

I applied for a CC with XXXX membership services. I was denied a card due to a bankruptcy from over 27 years ago. I have very good credit yet Citi had a card in that BK and they are still using it to deny me from getting that card. They stated the information came from XXXX, yet when I ran my report there was no incorrect information ( Good job XXXX ) No Bankruptcy on that record. When I contacted customer service at Citi I spoke to two people both only using first names. To get to a specialists in this area of issue. Quite candidly XXXX told me that due to the BK in XX/XX/1990 That my application was declined. I was told that if my FICO level was spectacular or just higher ( That magic number that is elusive to all ) I could have been accepted. The question begs to answer ... how long can a credit card company hold a BK against you? I was XXXX then. Thanks to that BK I changed my life and was a better person with things financially. Now I am XXXX. Ya think there is anything wrong with that picture? XXXX was painted as the company I can dispute the false reporting of my BK. Yet the facts here are written in stone and the past is never forgotten on Citi 's ledger.
Complaint sub-issue: Information belongs to someone else

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 
2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc.  resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. To date I have receive no notification from Equifax that my personal information was mishandled. According to new reports, Equifax discovered this breach 6 weeks ago and made no effort to inform their customers or the public of this hack. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. As a result, I will have to bear the burden of this risk for many years to come. 

They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company. So far I have had to pay {$10.00} each to XXXX and Equifax to apply a credit freeze to my records - an immediate cost to this consumer as a direct result of how poorly Equifax protected my personal information! It 's pretty clear that Equifax has learned that they can make money no matter what because no law or agency is looking out for me.
Complaint sub-issue: Other problem

My wife has one and I have two credit card accounts through Upgrade Card ( XXXX XXXXXXXX XXXX ). I also have a personal line of credit account through them. 

Upon checking all of our accounts after an unrelated data breach occurred in XXXX, my wife and I noticed a series of documents in our portal labeled Promissory Note - dozens and dozens of them. Even more curious, the execution of these promissory notes were done by the lender using Attorney of Record privileges. Further, we never received any Truth in Lender statements for these numerous promissory notes nor did XXXX exist within the Document portal at Upgrade.com. 

Since my wife has her own unique accounts with them, she called to enquire about all of these promissory notes and the lack of TILs, to which she was told that promissory notes are just a customary thing and that Upgrade would disregard the promissory notes when the loans had been satisfied in full. When asked what our actual balances were, the CSR declined to answer due to account security reasons - after they had authenticated us as the account holders. 

While it is explained that Upgrade works differently than conventional credit card products, nowhere could we find any information about numerous promissory notes being created and executed by a power of attorney on our behalf. We also couldnt find any verbiage that exempted them from XXXX  disclosure. 

In my review of the documents provided upon open of the account, draws being made, promissory notes, attorney of records, and XXXX, I do not believe the Upgrade Credit Cards to be a legal debt. In both of our cases with these cards, weve.not used them in months, have paid more than the minimum, and the balance will not decrease. 

These credit cards arent credit cards at all. Each time they were used a new 3-year term personal loan document was created ( with interest pre-compounded ), then the document was executed by an entity whom we didnt give explicit permission to act on our behalves- all the while NOT giving us the Truth in Lending documentation required under law. 

We have phone recordings as well as our account documentation we are happy to share if necessary.
Complaint sub-issue: Debt is not yours

IQ Data International is falsely reporting ( to all three credit reporting agencies ) a debt that is not owed and attempting to collect that debt. Their client ( XXXX XXXX ) has written a letter, on XXXX 's letterhead, noting they have no record of such debt. I sent a request for validation, and it was received by IQ Data Int. on XX/XX/XXXX, and a copy of the XXXX letter was sent along with that ( and again on XX/XX/XXXX ). IQ Data Int. has not provided any response to said letter to date. XXXX XXXX XXXX. confirms that they have no, and have not asked for from their client, any documents that would validate this debt ; rather, computerized communication is used to " validate the debt ''. Despite the letters and phone communication with IQ Data International, they refuse to make any effort to confirm the debt, beyond a computer survey, and hold no documents that verify that I am the intended debtor and/or that the debt is legal/owed in any way.
Complaint sub-issue: Billing dispute for services

Since XXXX I had made payment arrangements with the company credit acceptance for my car payment. 
The payment arrangements were considered as to breaking initial payment arrangement which was initial car payment regardless of the on time in full payments that were made due to the payment arrangements created the company has shown late or no payment for almost XXXX years and has resulted in damaging my credit and ruining any possibility of me moving ahead. 
The company overcharged me on the XXXX to begin with extremely high interest and one of the few companies that took no regard to the pandemic and in a time or parallel left people with no options.
Complaint sub-issue: Overcharged for something you did purchase with the card

On XX/XX/XXXX, I was using XXXX  airport parking lot, when checking out, I slid my CITI XXXX Visa card. So the should only be one charge of XXXX {$5.00}, but my card got charged 4 times! 
I disputed through Citi card web site. But they ask me to send 4 letters to enclose receipts ( which there is no receipt ). detail explanation and send the letter back to them as well as my detailed exchange with the merchant. The process is so convoluted and I have to spend {$4.00} in total for postage to possibly get {$15.00} back. That is ridiculous.