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

I have asked XXXX XXXX AND all 3 credit bureaus to investigate some things that are reporting on my credit report.

I have been asking since XX/XX/2019 on more than 4 times!

I will be attaching a screenshot from my most recent credit report. But you can see the following information is reporting inaccurately, on multiple items.

1. Accts type - this is NOT a auto loan. This is a retail sales installment contract 2. The monthly payment is incorrect! I do NOT have a monthly payment, as this has been PAID in full!!!

3. The date opened : XXXX  is reporting different things to the 3 credit burueas 4. The No of months of terms is inaccurate 5. The payment status is inaccurate 6. The Date Last Active is inaccurate 7. The date of last payment is inaccurate 8. The payment history is also inaccurate.

I again have asked them on MULTIPLE occasions to please be sure to report the information accurately and to be sure that if they can't to please update. I will attach every letter that i have sent as well as the most recent reply from them when i asked XXXX  directly to do so and for proof.

They clearly like to play games and not abide by the law!
Complaint sub-issue: No notice of investigation status/result

I have filed dispute to Credit bureau but they do n't give me proper notice of the investigation
Complaint sub-issue: Banking errors

I had transferred {$3000.00} from XXXX XXXX to Citi Savings account on XX/XX/XXXX. Citi had some issues on their end and they blocked the posting of the funds. I called 3-4 times to see why funds weren't posting when XXXX XXXX had informed me that they had sent the funds already to Citi. Finally, onXX/XX/2019, Citi found the issue and corrected it and my funds posted on XX/XX/2019. However, this resulted in my losing interest on my money from XX/XX/XXXX through XXXX, wherein neither XXXX XXXX ( as  they had already sent the funds from the bank to Citi ) nor Citi paid me interest. I want my interest for 7 days to be provided by Citi at the best APR available.
Complaint sub-issue: Reporting company used your report improperly

In accordance to the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a Consumer Reporting Agency can not furnish an account without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account : XXXX & XXXX # XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX # XXXXXXXX XXXX # 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
Complaint sub-issue: Company closed your account

I was a loyal customer to Discover credit card pay my payments on time and they closed my account and reported me to the credit bureau for no apparent reason they had me to fill out a 99 form to the IRS to verify who I was IRS verify who I was and it's still closed my account for no apparent reason they also reported me bad on my credit report I really need help and I really need something to be done about this
Complaint sub-issue: Account status incorrect

In XX/XX/2020 I applied for a 3 month forbearance due to COVID-19 and was approved. During this time I received letters saying my account was past due. I called repeatedly and they told me to ignore the letters, I was in forbearance. In XXXX I said I could resume payments and closed the forbearance both online and over the phone. I resumed payments in XXXX as scheduled. Loancare/XXXX sold my loan to XXXX in XXXX with first payment due to XXXX  due in XXXX. When I called XXXX, they hadn't received any of the info on the forbearance or deferment from LoanCareXXXX I attempted to pay in XXXX, but was told not to because it would be considered a partial payment and they could not accept it. Same in XXXX. I had to defer additional payments in order to get the account current. 

In XXXX LoanCareXXXX reported my account as 60 days past due even though I had an approved forbearance, causing my credit score to go down 139 points. I spoke with a representative on XX/XX/2020 and he said they have no record of anything regarding the forbearance or deferral and it should not have been reported as past due with an approved forbearance. I disputed the late payment report with XXXX 

I am unable to do a refinance to a lower rate which would lower my mortgage by {$500.00} per month due to this inaccurate credit reporting.
Complaint sub-issue: Information belongs to someone else

Good day, After receiving a FICO score alert from my XXXX XXXX account, it has come to my attention that a XXXX credit card account was opened and abused without my permission under my name and sent to a rental property address that we own. Please let me know if you need further information to resolve this issue. I am requesting that this account be removed from my credit reporting agencies upon receipt of this letter. We are applying for a refinance on our rental property and this account has dropped our score considerably. We believe a family friend who was residing at our rental property at XXXX XXXX XXXX XXXX XXXX for the last 7 months is the one responsible for these fraudulent accounts being opened. We know he also resides in California, but has had a history of XXXX XXXX, along with XXXX XXXX   and were providing him a place to stay while he was attempting to get his life in order. We believe he had accessed our personal information that was stored on-site at our XXXX XXXX property and used it open several credit card accounts. We have contacted the proper authorities as well. Please provide us with any further information, as we will be notifying the credit bureaus as well. We are also filing complaints with the FTC, XXXX XXXX XXXX and the Consumer Financial Protection Bureau to make sure we are not held responsible for this fraudulent account and charges. I do not understand why I did not receive any phone verification from XXXX in order to open this account. All the other creditors I have past accounts with have gone through a multiple-step verification to open a credit card account given the amount of ID theft these days.
Complaint sub-issue: Problem during payment process

I opened a citi visa Costco card to get the benefits ( 2 % refund and extended warranty on appliances ) in XX/XX/XXXX. Since opening the account I had issues. I signed up for auto pay and it didn't register the correct bank account ( I never had this issue prior ) so after my first payment did not go through I signed in and updated my bank account. During the next billing their system again went to the incorrect bank account number. I had to make the payment manually to avoid missing a payment. I called customer service and asked them to delete all back accounts and manually add the correct bank account number. 

My next billing cycle I was billed less than the full amount that was due and I was charged interest. I called to understand why only partial amount showed up as sure they didn't have an explanation and just refunded the interest charge. 
Now I just log in and manually make a payment before the due date because I don't think their system will accurately debit the full amount due. 

I brought this up to the company but nothing was meaningfully done. 

When I log in to view what is due and go to set up an early payment, I end up seeing two amounts, one on the main page and another as full amount due on the manual payment page. The payment set up page shows the full balance not just what is due from the previous billing cycle.
Complaint sub-issue: Problem with personal statement of dispute

On XX/XX/2018 Lexis Nexis recieved my 1st of 3 certified dispute letters for bankruptcies that they have reporting under my Social Security number. I received a letter from them on XX/XX/2018 stating that the bankruptcies in question were verified and were reporting correctly on my LexisNexis report. 

In response to their letter I sent the 2nd of the 3 certified dispute letters on XX/XX/2018 asking if they could please send me a copy of the document bearing my signature as well as the as the name, address, and telephone number of each person that was contacted to verify the alleged bankruptcies. They received my 2nd certified  letter on XX/XX/2018. 

In response I received a letter from them on XX/XX/2018 again stating that everything was reporting correctly, but they failed to provide me with the documents that I asked for bearing my signature as well as the names, addresses, and telephone number of each person that verified the bankruptcy. 

On XX/XX/2018, I sent the 3rd certified letter to them ( LexisNexis ) demanding again that they send me a copy of the document bearing my signature as well as the each person used to verify the bankruptcies they are reporting. I even sent them a letter from the bankruptcy court that says they do NOT report any information to any credit agency. 

I received their response on XX/XX/2018, again stating they have verified the alleged accounts. I have repeatedly asked for their method of verification and they are refusing to give me this information except to say that they are using XXXX, which does not allow for 100 % verification because according to the Court Clerk I spoke with, statements of social security are redacted from not only my view but the public 's view.
Complaint sub-issue: Was not notified of investigation status or results

Received credit fraud so I tried to validate the accounts by asking for signed contracts. Ive sent in numerous letters spent hundreds of dollars and neither company has yet send me a document showing my signature within a contract. Ive also submitted police reports that theyve received numerous of times but have yet verified these accounts by signature or contract showing my signature. Ive been trying to get the validation since XX/XX/2017-present and have yet to get a letter other than the computer typed letter that doesnt give me any information regarding my contract or the information I requested.
Complaint sub-issue: Information is not mine

I submitted over 2 months ago an original statement of Identity theft affidavit which was notarized, XXXX of the XXXX bureau 's refused to do anything without their being a police report submitted as well. Therefore I went and filed a police report and sent the FTC identity theft affidavit a XXXX time ( certified mail to all XXXX bureau 's ) XXXX made me fill out there own form claiming that they did n't accept the FTC affidavit, and it looks like they removed stuff from my credit report but did n't block it. Equifax has come to me requesting further proof of identity ( the exact same thing was in my both of my affidavit mailings a copy of my state issued ID and social security card, this is just stalling ) and XXXX sent me a letter that they have already verified ( thats right they " verified '' fraudulent information ) and wo n't investigate again unless I submit more evidence, as if the police report was n't enough! I called the FTC in XXXX and they told me with the police report all XXXX bureau 's should have removed the information by blocking and notified the companies within XXXX business days according to FCRA! therefore I am filing this dispute because I am tired of their XXXX, I hired an online credit attorney which got me nowhere, i worked with the FTC, it got me nowhere, I filed a police report, their run-around is absolutely criminal the way they are ruining my life rather than properly removing this information! The companies I contacted asked the information be removed themselves ( XXXX and XXXX ) because they noted it was fraudulent on their investigations, there is no reason at all the bureau 's should doubt my claim and it is a smack in the face that they claim to have verified it!
Complaint sub-issue: Information belongs to someone else

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items 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. 

XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$8300.00} XXXX  XXXX XXXX {$4200.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00}
Complaint sub-issue: Their investigation did not fix an error on your report

There is no sufficient information to support your claim..The payment here is sent in advance so I don't understand why this is a past due..Please fix this for me.. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX,
Complaint sub-issue: Don't want a card provided by your employer or the government

XX/XX/2020 - I received a U.S. Bank Relia Debit Card from the Colorado Department of Labor and Employment last week to receive unemployment benefits. I do not live in Colorado ; I live in Maryland. I did not EVER file for unemployment insurance, hence, I do not want or need this card. I believe this may be a case of identity fraud. I would like to deactivate this card immediately.

I tried contacting U.S. Bank Relia Card Customer Service at XXXX XXXX and could not reach a live person to deactivate the card. Rather, an automated message asked me to put in the 16-digit card number and PIN. I do not have a PIN, since I never activated the card. I also could not get to an operator to discuss any other options.

Online, I was able to email a fraud report form ( found at https : //cdle.colorado.gov/sites/cdle/files/USB_ReliaCard_Fraud_Form.pdf ) to XXXX. I also found this XXXX Form and submitted it, as well : XXXX  : XXXX ( without my social security number, since I did not feel this was a secure platform ). 

To be on the safe side, I also contacted XXXX to set fraud alerts on my accounts. I also ran a credit report through XXXX  and see that there were soft inquiries from the Colorado Department of Labor and Employment ( XX/XX/2020 ) as well as from the Ohio Department of Labor and Employment ( XX/XX/2020 ), which are both very concerning.
Complaint sub-issue: Can't close your account

I recently opened up a checking account with Discover Bank. I deposited money in there for use during my XXXX XXXX  for work ( XXXX XXXX ). Two days ago, Discover froze my account without warning and without any information given. When I call Customer Service to get information- I am told that only the Security Team can provide me information. When I call the Security Team - I sit on hold for hours. The system cuts the call off at exactly 3 hours and 2 minutes every time. I have spent a total of 18 hours on hold trying to get ahold of the Security Team so that I can get my account unfrozen, withdraw my funds, and close the account and take my business elsewhere. Eighteen hours on hold! Two days without ability to access my money. No information given for the why the account is frozen. They are literally holding my money hostage. According to their social media accounts, this is happening to numerous customers - everyone with the same description : frozen account without warning, no information given, told to call Security Team, on hold for hours no matter time of day, call ends at exactly 3 hours and 2 minutes, and multiple days of trying to reach someone without success.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

On XX/XX/2021 there were purchase made with my card that i didn't authorize. 
XXXX ( {$180.00} ) XXXX ( {$200.00} ) XXXX ( {$140.00} ) XXXX ( {$110.00} ) XXXX ( {$57.00} ) When i seen these purchases i immediately cancelled my card to get a new one. And called Direct Express to inform them of what happened. They told me the purchases was pending so i had to call back within 3days. Waited 3 days call back to file my complaint so they can start investigation.
Complaint sub-issue: Reporting company used your report improperly

Good day, today on XXXX, I was told about hacking of my credit card information in which I called citi bank and was given the runaround, I pay my bill on time never late, someone has access to my online account with citi bank, I have never given no one any information.
Complaint sub-issue: Account status incorrect

My leased car was involved in a total loss accident. My automobile insurance advised me to longer make payments on the car and that they would submit a total loss action with Ally financial and that would be done in a timely matter. I stopped making payments and also received a misleading letter from Ally Financial dated XX/XX/22 where at the bottom of the letter states, " Due to the total loss claim, your account is placed in special handling. If you receive billing statements by mail or electronically, then they will be suspended temporarily. '' I understood this sentence as my payments would be suspended. I therefore, did not make a payment and Ally reported the late payment to all 4 credit bureaus. I called Ally on XX/XX/22 and explained the above and disputed the negative credit entry. On XX/XX/22 I received a letter from Ally with the decision that they would not delete the late payment off the 4 credit agencies. Before this, I had a high score of over XXXX points and now my score dropped about XXXX points. The negative entry is affecting my future purchase of a vehicle.
Complaint sub-issue: Information belongs to someone else

This is my numerous attempt to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference XXXX : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX
Complaint sub-issue: Account opened as a result of fraud

Since XX/XX/2018, PNC Bank has been using my personal email account for one of their customers. I am not a customer of PNC Bank and never have been. I've been receiving multiple emails daily from PNC Bank regarding a checking account and credit card account associated with my email account. The checking account ends XXXX and the credit card ends XXXX. 

I have contacted PNC Bank three times. The first time I provided a great deal of personal information and was told a fraud investigator would look into the matter and call me. No call. The second time a fraud case was opened to address the matter. Nothing happened. The third time another fraud case was opened and I was told my email address would quit being used within five days. Still no change. The PNC Bank reference ID of the last case is XXXX. There was no reference ID provided on the first two calls.

Its difficult to know what other information PNC Bank may be using of mine, or if this is limited to email. PNC agents have been unable to assist. To date, I have received over 50 emails from PNC.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to Equifax about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$4500.00} XXXX XXXXBalance : {$8600.00} XXXXXXXX XXXXBalance : {$8800.00} XXXX XXXXBalance : {$4800.00} XXXX XXXXBalance : {$7400.00} XXXX XXXXBalance : {$5700.00} XXXX XXXXBalance : {$3600.00} XXXX XXXX XXXXBalance : {$4800.00} XXXX XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Problem with fees

In XXXX Discover Card called me about an overdue balance to a card I never applied for. The account was closed, I talked to the fraud department, and was then informed that the statements were being emailed to XXXX XXXX XXXX XXXX. I told the fraud department I would get back with them so I could look into this matter. She admitted that she had applied for the Discover Card in my name but without my knowledge. I called the fraud department back and told them at that time I did not want to charge her with fraud due to her being XXXX XXXX XXXX XXXX. The balance was {$6000.00}.? and I paid around {$4000.00} to make the balance to be {$2400.00}. Thinking the account was closed, I set up payment arrangements to pay on the remaining {$2400.00}, not realizing that the statements were still being emailed to XXXX XXXX XXXX XXXX. I received another call from Discover Card several months later stating I owe them around {$10000.00} now. Discover Card re-instated the card, without my knowledge, allowing her to keep committing fraud against me. I have been paying on this account for XXXX  years now, and arguing with Discover Card about this fraudulent activity and their mistake of re-instating this card without my knowledge. A letter was sent from my lawyer to Discover Card and still have not heard back from company regarding this letter. My lawyer said I should contact you.
Complaint sub-issue: Information belongs to someone else

I've submitted proper documents to show that I was the victim of identity theft. Nothing has been fixed or removed from my credit. They are not responding. This is impacting my score and life.
Complaint sub-issue: Don't agree with the fees charged

I want Full Validation on my student loans. I want to know how much is owed, where was the money applied to and why are there extra charges added.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX 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
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft someone has there photo on my drivers license info and has open several accounts under my name that are not mine Ive provided police reports social security cards signatures and a police report that states the dmv has a drivers license with my information and someone else picture equifax refuses to remove front report these fraud accounts XXXX  and XXXX  have removed these accounts equifax keeps trying to get me to purchase a credit monitor program from them I refuse so I believe this is why they will not delete them