Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Investigation took more than 30 days

THE FOLLOWING ACCOUNTS ARE IN ERROR AND IN FACT CAUSE OF IDENTITY THEFT. THE FOLLOWING ACCOUNT WERE OPENED ILLEGALLY ALONG WITH SOME MALPRACTICE TAKEN BY THE CREDITOR AND CREDIT REPORTING AGENCIESXXXX XXXX XXXX  Account XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Opened XXXX XXXX XXXX
Balance XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Account XXXX XXXX  Date Opened 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: Problem with fees charged

My XXXX XXXX XXXX has an airbag issue. We took it to the dealer and they need two parts, one of which has arrived, the other of which has not and may take some time. They gave me a loaner, a XXXX  XXXX, which is inadequate for my needs as I have three children in car seats. 

The loaner is not able to accommodate three car seats which we need for basic day to day driving. 

The loaner was provided by the dealer and XXXX is saying they can not provide me a car of similar size because they rely on dealers for loaners. 

While I am sympathetic to that the part being delayed, I am not sympathetic to making payments on a car which I don't have use of but need.
Complaint sub-issue: Information belongs to someone else

I live with someone else. This is the second time Since XX/XX/2018 my account information has been co-mingled with our living partners. I have requested twice a validation of Debt in writing with no written or electronic response. Under the law [ FCRA/FDCPA ], this alone proves the debt is NOT MINE. This greedy " corporate '' entity is still trying to take advantage of people during COVID-19 an collect money from sick people who have little health coverage during the pandemic. The account they have been trying to collect from, is from a bank I have been a member of a credit union since before then. Very uncooperative when trying to call on the phone and explain their mix up, I don't have time for this as they reduced hours at work since the start of the Corona virus outbreak. It is such a  RipOff the have XXXX XXXX have complete access to all the consumers credit reports and then try to force them to pay for debts that at not even theirs. They say I owe {$100.00}, I say I owe {$0.00}.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX ( reported twice on same date ) XX/XX/XXXX, XX/XX/XXXX 6.  XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XXXX   XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10.  XXXX XXXX XXXX CO XX/XX/XXXX 11.  XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 14. XXXX XXXX XXXX XX/XX/XXXX 15. XXXX XXXX XXXX XX/XX/XXXX 16.  XXXX XXXX XX/XX/XXXX 17.  XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 

My contact information is as follows : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, PA XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2019 I contest the credit inquiries on my Equifax report and I never received any Proof of validation on the inquiries nothing with my signature or Original Paperwork showing that I applied for anything only thing I received was a paper saying they were I verified I Did not authorize them!!!
Complaint sub-issue: Investigation took more than 30 days

Back in XXXX, I sent a letter to Equifax and XXXX XXXX ; asking them to investigate errors on my credit report. They have yet to respond, but they are supposed to respond within 30 days.
Complaint sub-issue: Problem with fees

Few days ago, I pull my online best buy credit card statement to come up with game plan to pay it off, I found that there is a small charge labeled as Enhanced Debt Protection, I reviewed previous statements, that charge was there. Best Buy Credit Services has been charging me a monthly fee for the above service. I have never intended to sign up for Enhanced Debt Protection. I reached out to them and they refused to refund previous months. They slipped this service when I signed up for the card. I did not know that I was signing up package bundles. BestBuy Credit Services needs to straight forward on the way they sell this service. They weren't with me. I would like to full refund for this service. Thank you
Complaint sub-issue: Reporting company used your report improperly

Please carefully read the following. 
Under 15 U.S. code 1681b - Permissible purposes of consumer reports In General Subject to subsection ( c ) any consumer agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or either credit device existing for the purpose of obtaining, money, property, l
abor, or services on credit Notice, congress said ANY card.

The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you delete these transactions from my consumer report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

I never gave EQUIFAX any written consent to report anything on my consumer report, No consent is Identity Theft.

I demand you remove the following address and names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, AZ XXXX The following accounts I demand to have removed U.S. Bankruptcy Court XXXX XXXX XXXX. / XXXX XXXX XXXX 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 XXXXXXXX XXXX
Complaint sub-issue: Didn't receive advertised or promotional terms

After considering the benefits of the UBS Bank XXXX XXXX card, I decided to call the main customer service number and inquire about the process of application, benefits and welcome offer. The male agent explained me all the benefits, took my information to send me an application packet, and explained me there was a welcome offer of XXXX points after spending {$3000.00} in the first three months. I figured it was an all around attractive package so I signed up for it. After meeting the required spending, UBS only award me XXXX points instead of the promised XXXX which can be found in the recording of the call. I called customer service about it on 2 different numbers, but nobody knows anything about it. I also emailed Mr XXXX XXXX directly and he never replied to me. The second problem I have is that I have not been able to use 2 of the advertised benefits of this card, the Visa XXXX Hotels program and the XXXX XXXX passes. I keep hearing there's a problem where Visa XXXX doesn't recognize my card, but it's been 2 weeks and I'm frustrated with this bank. Anybody reading this, please stay clear of UBS. They clearly run a bait and switch operation. I don't even know how they're able to legally operate in this country.
Complaint sub-issue: Account status

On my credit report it shows I have late payments, when you check those payments you can see they are not late they are on time.
Complaint sub-issue: Received bad information about your loan

I have made all required monthly payments to my consolidated loans ( currently serviced by FedLoan ) while employed by a an eligible nonprofit employer for almost 10 years, and 31 of my payments have been classified as ineligible. I have followed all loan servicer instructions and directives and documentation from federal agencies precisely as they existed at various times over the past 9+ years, so am deeply confused and concerned that many payments are ineligible. 

Multiple payments classified as ineligible by FedLoan have been under " manual review '' for over a year with no change. In XX/XX/2021 I submitted my annual certification in an attempt to have my payments reviewed for both XXXX and XXXX eligibility with no change. I formally requested that the other ineligible payments be manually reviewed earlier this summer with zero change in status. 

Please note that I have faithfully paid my required payments every month for almost 10 years ( 9 years 9 months ), stayed in eligible full-time employment ( 2 non-profit employers total ), in the good faith belief that I would qualify for federal loan forgiveness at the 10 year mark as described by all program documentation. 

As of XX/XX/2021, after 9+ years of payments, I have paid {$42000.00} of the original principle balance of {$64000.00}, and have a remaining loan balance of {$45000.00}. According to FedLoan, I have 40 remaining payments under XXXX and 31 remaining payments under XXXX. This is outrageous, and I ask that my payment history be reviewed and my " ineligible '' payments be reclassified as eligible and my payment summary updated accordingly.
Complaint sub-issue: Funds not handled or disbursed as instructed

On XX/XX/XXXX I was notified by the police that I had fraud commited on my checking account. I was on vacation and two people broke into my car and stole my checks from the glove compartment. The police arrested 2 individuals and found my checks in there car. USBank cashed the check the women forged at a local branch in Minnesota and was given the cash. The amount was {$870.00} and the teller obviously didn't catch the forgery. Both have been arrested on fraud and forgery at this time and I have provided the bank in question ( USBank ) over three weeks ago. As of today I was told that they have a process for handling this type of fraud, however thay have not started researching yet because " they are busy ''. The bank did tell me that they have received all documents I provided to them which included police report, fruad paperwork, copy of check, and letter from the XXXX County Courts.I was not given a time frame of when they will return my money or when they will start working on resolving my account. I have enclosed all supporting documents.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
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 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 XXXXXX/XX/XXXX
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, XXXXXXXX XXXX # XXXX XXXX XXXXXXXX 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 an account without my written instructions
Complaint sub-issue: Was not notified of investigation status or results

In reviewing my credit report, I suddenly I notice that there was an error. The report is not 100 % accurate and would like your agency to take an action. I listed below the item with discrepancy : XXXX XXXX / XXXX / {$0.00} XXXX XXXX  / XXXX / {$0.00} XXXX XXXX / XXXX / {$0.00} XXXX / XXXX XXXX {$0.00}
Complaint sub-issue: Funds not handled or disbursed as instructed

Account set up for credit only while waiting for debt card mailed to the bank for me to pick up yet never received. Social security check etc. Video of being inside the bank but no transaction of withdrawal money from my account. Forced to closed my account because because they said they didn't want to serve a customer that didn't trust them. However I never got the debit card nor did I order check yet checks were written on me and they are saying I did. This is fraud and the bank doesn't care About what they have done. This has put me in great financial situation. Social security check and government checks. Bank has banded me from coming thee anymore said do what I have to do because they don't care this Bancorp South bank
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX claims that they report my payment, remaining loans to all the major credit reporting agencies but I never see it in XXXX, Equifax or XXXX. 
I have reached out to XXXX and XXXX XXXX. Equifax and XXXX are unreachable. When I use my information to create an account it does not work.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX employee at XXXX XXXX XXXX XXXX on XX/XX/XXXX there is nothing affecting my credit score. XXXX first told me there's XXXX items. I asked him if he can please assist me with the items to see if there mine. he was XXXX never got a direct answer for 1 whole hour we got nowhere. XXXX XXXX informed me we dont get confirmation number aftre i filed my dispute? i just got a big headache basically he atlas refused to help me by confusing me. on XX/XX/XXXX my score was XXXX my score has not improved. the same things that were on my score in XXXX XXXX XXXX are all the same but nothing there should affect me? Never had a credit card just chime. chime is a secured acct Iam on safer credit building but have not gotten XXXX increase on my score. i tried to get a mortgage from the first-time home buyer XXXX hit me with that with that immediately affected my score without a chance. Inquiries in report that should had fallen off have not yet fallen off. XXXX refused to assist me with that. XXXX deleted XXXX back on XX/XX/XXXX file # XXXX they added it back on XX/XX/XXXX, XX/XX/XXXX i reached out to XXXX myself where they XXXX mailed me a copy of the letter to all 3-credit bureau dated XX/XX/XXXX where they told the reporting agency 's it was en unauthorized credit application telling the reporting agency to update the inquiry to a soft inquiry which they never did they continued to refuse to do as told. i will like to ask to have someone pull up XXXX XXXX conversation of nothing. XXXX has been punishing me for years with items they/ where not mine as of today my score went down XXXX point and never went up for 3 years because XXXX has been refusing to comply to the law by neglecting to do as told. XXXX refuses to give me my credit report acting like its been lost then saying i need to verify my identity removed freeze requested by me for only XXXX week. the other XXXX reporting agency did as i requested but XXXX felt again that they don't have to follow policy alert and never ut back freeze. i like to ask for en investigated to please look at all my score inquiry only XXXX percent of XXXX 's claims are mine ive disputed many they were unverified and should had follow policy and removed them there's things on there for XXXX plus years. after this investigation i will be looking to seek legal action if not corrected immediately. 
XXXX dropped my credit score XXXX points on XXXX falsefully on a secured credit building card XXXX in safer credit building chime. chime has no reported credit limit. XXXX and Equifax are XXXX my credit score. i disputed this with chime as well and it went in my favor because i am protected by chime with safer credit building. the reporting agency have no respect fot the code of conduct the law or care to follow policy do not feel safe with them on my report
Complaint sub-issue: Their investigation did not fix an error on your report

I have spent many hours calling Discover in attempt to resolve their derogatory items on my credit report. Nobody has given me a clear explanation of the reason for the late payments reported to my account. Their representative scheduled my payments over the phone and then Discover increased my interest rate so that the payments would be inadequate. Regardless, this difference should have been nominal and I do n't believe I was ever more than 60 days late. In addition, a Discover representative specifically told me to disregard any notices from Discover about late payments. When I spoke to managers at Discover who had reviewed calls I made to Discover, they acknowledged that their representative told me this, yet refused to correct my credit report. Furthermore, it is impossible to monitor the status of my accounts because their website reflects payments in a convoluted manner and even when I have called, the representatives have not been able to explain how my payments were allocated.
Complaint sub-issue: Problem with fees

On XX/XX/XXXX and XX/XX/XXXX Citi bank charged me {$29.00} each for return check fees while their autopay system has issue. i had the autopay set up with citi bank and been autopay for past 12 months without any issues. CSR stated it is their IT issue and helped me to update the information on their end and advised if there are any fees will be refuend. i have contacted citi bank today XX/XX/2020. they have refused to refund the fees and asking me to proof it is banking errors which is totally non acceptable.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX is reporting mortgage late payments as of XX/XX/XXXX. This mortgage account was paid off and closed on XX/XX/XXXX. I have reached out the them 4 time and they are not doing anything. I pulled my credit in XX/XX/XXXX and they just reported a current late on XX/XX/XXXX. This is causing me thousands of dollars and I just lost a potential home purchase because of this. Im tired of XXXX XXXX XXXX XXXX telling it my problem.
Complaint sub-issue: Company closed your account

On XX/XX/2018, I was cleared and Processed of a payment of {$1400.00}. I made a sale through paypal from a buyer that I have been doing business with for past few years. XXXX bought a rare signed XXXX XXXX XXXX from me at a price of {$4300.00}. This was supposed to been wired to my account as I instructed. I also sold {$1000.00} rare comic to a different buyer as well. Both deposits entered into my account and all was fine for few days. After spending most of money, account was frozen and closed once more by XXXX from Fraud department. After selling 5 different iyrhs to 5 different buyers at different locations, bank tells me they sent all monies back. So my property and money was gone. I asked was all the transactions verified if good or bad. The manager said they did not check all. This was unacceptable when most of money if not all was good. This was done in one of my credit cards from US Bank. I should had been notified before monies sent back for international bank to verify once more. I spoke to them several times and assured it was all good.
Complaint sub-issue: Information belongs to someone else

the accounts listed do not belong to me someone use my social security number and photo id to open fraudulent accounts in my name as result i am victim of identity theft I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX   CRA & # 39 ; s. On XX/XX/2020, I mailed Equifax, XXXX   and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.