Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

This is related to complaint XXXX. 
Outline of events : Nobody contacted me so I called this morning. 
I was transferred between the escalation team and XXXX XXXX but nobody did anything except : XXXX XXXX transfered me to supervisor XXXX who wanted to transfer me to XXXX XXXX. I told him I already went that rout and they could not help me. He transferred me anyway and hung up, and I never got to anyone. 
Called back, spoke with XXXX - to supervisor XXXX and to manager XXXX. Nobody was able to help me with anything. XXXX hung up on me after I insisted that this has to be fixed. 
Called back and spoke with XXXX who transferred me to XXXX. She informed me that a freeze was put on the account when the first Consumer complaint arrived. THIS WAS NOT AUTHORIZED ME BE AND IS FRAUDULENT BEHAVIOR ON THEIR PART. My complaint CLEARLY stated that I wanted to do this on self serve as I don't want to have to call in to freeze/unfreeze the account. XXXX refused to name the person who broke the law but the Conf # is XXXX. She unfroze it at my insistence on conf # XXXX since it was illegally frozen in lieu of actually fixing the problem. 
XXXX told me that this will probably never be fixed and that I will probably have to call in for freezes or unfreezes. This is not acceptable. 
On their website ( the one I can't log into ) there was a link that was to advise if your data was part of the most recent breach, and mine was. All the more reason why they MUST fix this account so that I can freeze my account. 
If I had my way this company should be out of business, and the people mentioned above should all be fired.
Complaint sub-issue: Company closed your account

Was late on a payment on a secured card due to covid, so I spoke with a representative who waived a late fee, and gave me a lower amount to pay. I paid that, and then every 2 weeks until the account was current and below the credit limit, with no more late payments occuring, in XX/XX/XXXX. Finished paying down the account in XX/XX/XXXX, and they closed the account without notice. When I called, I had a balance of XXXX, and since I had made a secured deposit of {$200.00}, I was told the amount would be taken out of the {$200.00} to pay off the account, and the remaining XXXX would be sent back to me in the form of a check. That phone call was XX/XX/XXXX. In the middle of XXXX, I received a letter from Citybank, saying the same about issuing me a check, but they said they would be holding the money from me until XXXX. On XX/XX/XXXX, I received a statement from them with a {$35.00} late fee, and payment due of {$74.00} from no payment on XX/XX/XXXX. The account was closed already at this point, and they owed me money. No payment should have been due, and I was never informed that I would have to continue making payments until they reimbursed me. Called the company on XX/XX/XXXX, and was told since I had a late fee removed in XXXX, I was not eligible to have this one credited. This charge should never have happened, so I spoke with a supervisor who eventually issued a statement credit of {$35.00}, which will not show up on the account until AFTER they refund the balance of my deposit, so I will have to wait even longer for them to send the remaining {$35.00} owed, and they can't do anything about the late payment reported to the credit bureau, nor any charges that may stem from non payment on XX/XX/XXXX, even though the account is closed and balance due should be XXXX.
Complaint sub-issue: Information belongs to someone else

fraudulent account XXXX XXXX XXXX XXXX date opened : XX/XX/2011 Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report Fair Credit Reporting Act Section 605B - A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
l will send proof showing EQUIFAX is the only credit bureau with this error and they are Also reporting A 9 year old out dated account that belongs to someone else
Complaint sub-issue: Their investigation did not fix an error on your report

equifax has refused to remove the word repossson even though the other two reporting agency has removed it it can not be both ways this will be the last complaint for this issue because to remove the word reposseon i will take them to court i didnt ask if the balance was XXXX that wasnt the complaint they either put it as paid only or it court their call
Complaint sub-issue: Didn't receive advertised or promotional terms

Discover credit card offered me a 0.0 % balance transfer or 12months, I transferred {$2000.00} and paid {$60.00} in transfer fee XX/XX/2021. Discover is now asking me to pay in full in a month, by XX/XX/XXXX or they will apply interest charge of 22.99 %. I chatted with two different reps. and they both telling me the same thing. 

I paid the {$60.00} transfer fee thinking I have 12months to pay off my {$2000.00} little by little with 0.0 % interest as advertised instead, Discover is demanding me to pay the {$2000.00} within a month while they keep the {$60.00} fee I gave them. 

Why can't i pay just the new purchases portion in full and keep the {$2000.00} balance transfer promo and not have to pay interest?
Complaint sub-issue: Was not notified of investigation status or results

On XXXX XXXX, 2017, Equifax announced that it suffered a data breach. Then they said in the letter, " If you ( I ) believe you were the victim of identity theft, here are some steps you can consider for additional protection ... '' Then they give a bunch of steps that essentially TAKE THEM OFF THE HOOK! There are services mentioning them giving credit monitoring for free for a year. THEN, you pay for it! Why should I pay for monitoring from THEM when THEY ca n't protect the information in the first place? Free or not, how have THEY proven that THEY can secure anything let alone one 's social security number, etc.? 

They are a credit reporting company! My information has been compromised by THEM! They let this happen by not securing personal information. 

Now, what am I supposed to do?
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Debt was paid

GRANT & WEBER INC has been attempting to collect a debt from me from they opened XX/XX/XXXX, representing XXXX AT XXXX XXXX that permanently closed in XXXX two years prior to the alleged debt to be collected. Not only is this a billing mistake but it has also surpassed Texas state statute of limitations according to section 16.004 Texas civil practice and remedies code. The statute of limitations on debt in Texas is four years.
Complaint sub-issue: Information belongs to someone else

cra violation inaccurate sent ftc and po report to the company
Complaint sub-issue: Their investigation did not fix an error on your report

I've contacted all 3 credit Bureaus about this XXXX XXXX # XXXX start account that's inaccurate on my credit report. I've also contacted the creditor which is XXXX XXXX about the account, I have asked the creditor and the credit bureaus for proof of the account bearing my signature of the account, I have asked for the original sign contract which I am allowed to see if its my account, the account is being reported inaccurate and I've repeatedly asked for copies of the original contract that has my signature on it they have failed to do so ... I am by law entitled to see the copies for the contract from the creditor
Complaint sub-issue: Information belongs to someone else

I submitted a police report for fraud accounts and fraud addresses, appearing on all three credit reporting agencies. XXXX and XXXX removed all the fraud accounts and addresses but Equifax still showing all the fraud accounts and addresses on my credit report.
Complaint sub-issue: Debt was paid

I settled the debt with a lump sumpayment XXXX direct withdraw from my checking account
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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: Information belongs to someone else

I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX {$880.00} XXXX XXXX  XXXX {$570.00} XXXX XXXX {$970.00} XXXX XXXXXXXX {$10000.00}
Complaint sub-issue: Account status incorrect

Equifax should not be reporting that I am ( 120 ) days late, as well as reporting a collection in the amount of {$2200.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, the account balance is incorrect, and Second, there are no late payments to report. The interest rate being charged is well over 200 % and most importantly this is PREDATORY LENDING to say the least!!! The Federal Loan cap on credit cards is a maximum of 28 %! Please remove this line item and/or update to report correctly. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureau to remove and/or update this account however, I have not been successful.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

2 months ago I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet I feel like im being taken advantage of and being ignored of mh Disputes Section 611 ( a ), its plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from mh Credit report it has been over 60 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 have caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands
Complaint sub-issue: Personal information incorrect

After reviewing the consumer file held with FactorTrust regarding myself, I found that this company is reporting incorrect personal information regarding me on file. I reached out to this company via USPS mail twice with a written dispute clearly disputing all incorrect information and clearly providing the correct personal information. In both written dispute letters I included a copy of my ID and proof of address via bank statements. Both attempts to dispute were not investigated or corrected and I have not recieved a response to my correct address provided to FactorTrust. I will be pursuing legal steps since FactorTrust continues to violate my rights under The Fair Credit Reporting Act by refusing to properly investigate and DELETE the incorrect information it is reporting on me.
Complaint sub-issue: Information belongs to someone else

XX/XX/2017 in the amount of {$110.00}. I have contacted them for years to have this removed and sent out letter.
Complaint sub-issue: Funds not received from closed account

Hello, I filed a complaint on XX/XX/2021 and I got the response asking me to follow instructions to refund me. I followed the instructions, but I did not get the refund yet. It is more than 3 months now. Please refer to the previous complaint for more details. Complaint ID : XXXX. I also attached a PDF file with the previous complaint. 

Thank you,
Complaint sub-issue: Information belongs to someone else

Someone has gained access to my accounts and is preventing me from making my largest transaction. I have no idea what it could be or who it could be.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been disputing an amount of {$420.00} since XX/XX/2019. I was told that while in dispute, the account would be frozen and I owed nothing towards it. The charge was made without my authorization and the dispute was denied and I basically still had to pay the amount. I was never notified that the dispute was closed & had to call to check on the status. When I called on XX/XX/XXXX to check the dispute status, she told me the dispute was closed and there was nothing they could do. So I gathered up my funds ( while living on u employment & my husband nearly XXXX in the hospital after an accident XX/XX/XXXX XXXX & paid the amount off IN FULL 2 weeks after I found out. They reported my account as being past due and put a late payment on my credit report. Dropping my score 65 points & seriously damaging my score. I have never ever missed a payment before and had a 100 % payment history. 
They have repeatedly denied my request to remove the late payment off of mine and my husbands credit scores, even though the account was paid in full right after I found out the dispute was closed. I have been hung up on, yelled at, & have been made to feel like Im an XXXX over and over. 
When I try to call, I can never get anyone who can make any sense and they either hang up on me or submit a dispute w the credit management department and I never hear back. I have written 2 letters to the credit management department explaining that we were  in complete and total hardship since my husbands accident, XX/XX/XXXX & trying to explain that I didnt know the dispute had been closed. The payment shouldnt be considered late when I never even knew the dispute was closed until I called. The last supervisor I spoke with finally went back to the XX/XX/XXXX conversation and saw the proof that I did in fact find out that day about the dispute being closed. Then you can see I paid it off in full 2 weeks later. 
All I want is to have the late payment removed from my credit report and my husbands credit report. Weve already paid the unauthorized amount and just decided to suck that up, which was already ridiculous. This has been a nightmare and they are an infuriating company that sweep things under the rug and dont help at all. One of  their customer service reps even called me a liar.
Complaint sub-issue: Frequent or repeated calls

LJ Ross and associates. Calling and hanging up on me multiple times per week. I do not have any debt that I am aware of. They won't stop calling. They keep calling and hanging up so I can't speak to anyone to ask them to stop calling. My credit rating is over 800 and I do not have any debt for them to collect. I don't know what their problem is as they won't let me know why they keep calling since nobody is ever there to speak to. I've had enough of these people and I know my rights. They are to stop calling me immediately or this will be harassment.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

On XX/XX/XXXX a message was left on my phone by a XXXX XXXX stating that I was being sued and to contact XXXX with account number XXXX. I contacted this number on XX/XX/XXXX and spoked to XXXX XXXX from XXXX XXXX XXXX and was told that I was being sued {$1400.00} for a credit card owed to Fred Meyers store and she was looking at my chapter XXXX bankruptcy that I had filed in XXXX and this debt was not listed on my bankruptcy. I told her yes it was and that I had a copy of Chapter XXXX bankruptcy from XXXX XXXX XXXX case no. XXXX. I faxed a copy to her at XXXX. I then called her and confirmed that she received the fax. This is the second time I have been contacted by debt collectors in regards to this debt that was discharged by the bankruptcy courts 22 years ago. The last last debt collector was XXXX XXXX XXXX who contacted me by mail on XXXX to try to collect this same debt. I sent them a copy of my bankruptcy papers by certified mail. I feel that this discharged debt is being illegally sold to debt collectors in an effort to harass me and collect on a debt I no longer owe.
Complaint sub-issue: Their investigation did not fix an error on your report

I was a victim of theft in XX/XX/2021. My purse was stolen with all my identifications in it. I made a police report in XXXX XXXXXXXX XXXX. ( case # XXXX ) I have been trying to purchase a home for my family and this is causing my denial for a loan. I have disputed with all XXXX credit bureaus and the company itself. I spoke to XXXX and they have no record and they advised me to request the credit bureaus to remove it from my report. No one has taken the time to fix the credit error. This account does not belong to me. I have also sent them a copy of all the different information reporting on the same account with each credit bureau I even sent a XXXX letter because I know this is not mine. They have not provided any proof nor removed it. XXXX also said they can't find anything on this account. Please help
Complaint sub-issue: Problem with fees

I have paid on time to this {$200.00} secured credit card credit building Program. I have never made a late payment. But they somehow always charge me a late fee of {$40.00}. The company name is FIRST PROGRESS
Complaint sub-issue: Reporting company used your report improperly

The was an illegal inquiry/pull of my credit report by XXXX XXXX in XXXX. Corelogic is displaying illegal and allowing illegal use of my credit report. I don't have and never had account with XXXX XXXX or giving anyone permission to pull my credit report or put anything on it which is supported by attachments. Even after XXXX XXXX sent letters that acknowledged this XXXX  and core logic continues to display illegal innacurrate information. Information remains on report in relation to illegal inquiry. Also corelogic stated that I requested a fraud alert and also that they sent me a letter. That is absolutely false. I already had fraud alerts and blocks on my credit report because of fraudulent activity. They never sent me a letter, they just using that to cover there XXXX. My name, social security number, and address has not changes ever. All the same. All documents have been attached including XXXX acknowledgement of illegal account and the request to delete it from XXXX  corelogic, false statements made on behalf of corelogic and fake letters they said they sent.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I saw that I had a {$100.00} dollars in my account so I decided to do some online shopping with XXXX. I spent the {$100.00} dollars some how that threw me into overdraft? I first questioned them on that issue they said I did not have a {$100.00} and what I ordered was that amount. Okay that is fine!, But then the items I purchased were canceled by Cash App? XXXX XXXX  and threw XXXX because they didn't receive money for items I thought I paid for. My account is still over drafted even after everything was cancelled. I took screen shots of my feed with the app before I spoke with them. When I reached out after that I did not hear anything other than we are looking into it. Next thing I had noticed is the feed on my cash app is changing but I have everything I have to have anyway that is what the pictures were for because when you bring something up that is a issue with them they don't answer you for hours there is no number to call. I have tried for a whole month to receive my money. I am on a fixed income I do not have money to just throw around. I have been ignored lied to and its simple math. I need my money back its been a month already I cant wait any more I have a XXXX dollars in stocks in the account I cant use that money because they will take it for there over draft that does not exist. Please help I am so frustrated and broke. I also asked for transaction ID 's and have been denied these items.
Complaint sub-issue: Debt is not yours

I received a letter from Apelles that says I owe XXXX XXXX  {$9900.00}. I dont owe them anything as Ive already explained to XXXX. This debt is erroneous and I will not pay one penny of this!!!
Complaint sub-issue: Their investigation did not fix an error on your report

I have been disputing some items on my credit report consistently for almost six months now and I haven't received any results or response from Equifax throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't get a home or even get jobs because of some of these accounts. Something needs to be done.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX has not resolved the issue of this account. First this account is too old to be reporting my credit. It was closed in XX/XX/2011. Furthermore they are saying that I was late when I never made a late payment. This account needs to be removed immediately. 

Also when reporting a late payment, it should show when I was late. It does not.
Complaint sub-issue: Account status

XXXX relied on credit information provided by a company called SageStream LLC which incorrectly indicated that my credit score is XXXX. All XXXX of the reputable and actual credit reporting agencies ( XXXX, XXXX and XXXX ) all show my credit score from XXXX to XXXX. The incorrect info from SageStream resulted in XXXX requiring a {$500.00} deposit for each account which made it prohibitive to have service for what I needed. SageStream provided my credit report upon my written request but they had absolutely no account information on their response so I had nothing to dispute. They are giving out false and inaccurate info which is causing damages to me and they are not providing supporting information as to how they came up with their credit score. This is very detrimental to the consumer.