Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

I would like to report and let you know that these unknown inquires are not mine. I do not recognize them, I have never gave anybody any permission for these inquires. Please remove them from my credit report and let me know when you are done. This is ridiculous that bureaus reporting misleading information and have no responsibility. Why I have to worry about their bad reporting? Why I have to suffer because of them? REMOVE THEM Please
Complaint sub-issue: Report provided to employer without your written authorization

I have been a victim of identity theft.
Complaint sub-issue: Trouble with how payments are being handled

I consolidated my XXXX student loans back in XX/XX/XXXX through AES education; and I have been making EFT payment to AES since XX/XX/XXXX. I began my XXXX program through XXXX UniversityXX/XX/XXXX. I did not request financial aid or assistance. However, I noticed back in XX/XX/XXXX that payments had not been removed from my account. I called AES and spoke to XXXX on XX/XX/XXXX, I questioned why my student loan payments had not been removed from my account. XXXX stated because it "automatically," went into deferment because I started school again. I requested to be taken off deferment and to not be placed on it again. XXXX, did send a wavier form however, I did not understand why I needed to sign a wavier form when I did not request for any changes to be made on my account in the first place. As a result, more interest has accrued and I am behind on my payments. As of XX/XX/XXXX, my account is back on deferment because I took classes this summer. 

I can understand why AES would be okay with this process because it benefits them. In my case it ONLY benefits them by prolonging the amount of time I have to payoff my loan and accruing additional interest. Making AES more money. 

I have been paying on this loan for the past 16 years and I am over it. I'm coming close to the payoff and they are messing with my account. Borrowers should have the choice to continue to pay their students loans while in school.
Complaint sub-issue: Investigation took more than 30 days

on XX/XX/2019 i filed an online dispute and a dispute via usps mail. the dispute is on a collections account for XXXX XXXX hospital - the collection company is XXXX XXXX - i filed the original dispute on XX/XX/2019 and XXXX XXXX did not respond within the 30 days set in law by the fair credit reporting act. 
as of the XXXX dispute XXXX XXXX was 75 days with no response that even to today - i have not received. i disputed via a letter via usps and utilizing equifax 's on line dispute tool. 

on XX/XX/2019 i filed another dispute on this item for reason of " disputed company did not respond within 30 days '' this was a result of waiting 120 days for a response that even to today - i have not received. i disputed via a letter via usps and utilizing equifax 's on line dispute tool. 

EQUIFAX XXXX COLLECTIONS -- NONE 1. XXXX/XXXX XXXX XXXX CFBP FORWARDED TO REGULATION DATA BASE - DISPUTED XX/XX/2019 XXXX XX/XX/2019 related to > 30 days no response to disputes. 

in accordance with the fair credit reporting act - equifax is required to remove this item from my credit file.
Complaint sub-issue: Information is missing that should be on the report

My letter of XX/XX/XXXX sent to Citibank via both USPS and email has gone unanswered. I find Citibank 's complete lack of response unacceptable and therefore have instituted a complaint through the Consumer Finance Department. 

My letter ( attached ) clearly states that Citibank does not properly report my account history to any credit reporting agency. In fact, Citibank has been using my credit history ( FICO score ) to modify my credit limit, while at the same time failing to report my spotless credit history with Citibank. I say spotless, because since XXXX, there has never been a missed payment. There are no late payments to report. Spotless, but Citibank is not reporting it to my credit history with social security ending in ****.
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECAME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS DOES NOT BELONG TO ME.
Complaint sub-issue: Information is incorrect

I was in the process of looking for a furniture purchase. I did a pre-qualification through Conn 's 2 weeks ago. Spoke a rep that called on XX/XX/22 by the name of XXXX. I stated that I would try to make it by after a conference. I had talked with them multiple times over the past couple of weeks. I then get a alert that my credit report was accessed. I did not give Conn 's permission to pull my credit report. This action caused a hard inquiry on my report. I did agree that I would purchase anything from Conn 's. This was impermissible and should be corrected.
Complaint sub-issue: Information belongs to someone else

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tiedto my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX   XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX/XXXX   XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2021 I sent a letter to XXXX, Equifax and XXXX. Enclosed was a copy of a letter, written directly to the Credit Union who holds the account in dispute requesting documentation as well as an affidavit to verify the legitimacy of the alleged account. 

I also explained to the bureaus that many of the transactions under the alleged account were commercial transactions and therefore, should not be reporting on my personal credit. 

Each bureau continues to report this account on my credit report without investigation. I also requested a full disclosure of my entire file and to provide me a copy of the written authorization or expressed consent given for them to report my intellectual property to their reports. 

See attached letter. 

All letters were sent certified mail also
Complaint sub-issue: Their investigation did not fix an error on your report

Dear XXXX XXXX XXXX, Equifax, XXXX, and XXXX Thank you for sending me your internal records of the debt, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or E-Signature stating my IP Address with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from ALL THREE CREDIT BUREAUS including reporting payments on a CLOSED ACCOUNT ( please see attachment ) which is grounds for deletion. How could this happen? are you being prejudice towards mr and trying to deny me credit in the future?. 
I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. 

I HAVE PROVIDED MY UTILITY BILL FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX
Complaint sub-issue: Company closed your account

I had a Discover IT secured card opened in XX/XX/2019, which had 100 % payment history and I always paid off my balance and kept great record of my credit, so Discover returned my deposit and increased my credit line which was awesome considering I'm rebuilding my credit. In XX/XX/2019 I legally changed my first and middle name, so I contacted XXXX to update them and sent them my legal documents for the name change, and they updated my info and sent me a new card. In XXXX or XX/XX/2019, Discover needed me to sign a document to have my information verified through the IRS, so I signed it and a few weeks later Discover informed me they were closing my account due to not being able to verify my information with the IRS but couldn't tell me what information and left it at that. I then get a letter from the IRS about some of my information being requested but unable to verify, which the piece of unverifiable information was my NAME, why.. because I haven't filed taxes under my new name yet! Discover knew about my name change and still decided to close my account after months of nothing but good history with them. So now thanks to them I have a closed account on my credit report when their unverifiable information they already knew about, so why couldn't they either request a different way to verify my information or take into consideration that I just recently changed my name and it hasn't been fully updated with the IRS considering we haven't filed taxes for 2019 yet! Thanks for nothing Discover, I'll never recommend you!
Complaint sub-issue: Can't close your account

I emailed, called city national bank customer service several times during the past 2 weeks to close my card. They stated only my banker will be able to close it and they have sent an email to my banker to close the account and will get back to me within 48 hours. However, it has been 2 weeks after 3 unsuccessful phone calls to close the account. I also personally called my banker, got voice message and did not hear back. All I need is to close my city national bank crystal credit card.
Complaint sub-issue: Other problem getting your report or credit score

Unable to get a credit report ONLINE from Equifax. My bank is not able to see my credit report. its been 6 months since I had a credit report.
Complaint sub-issue: Money was taken from your account on the wrong day or for the wrong amount

I sent money to my account in the XXXX and they want to get my bank statements but I cant produce that as my bank has no bank statements for the XX/XX/XXXX but only XX/XX/XXXX and they suspend my account and didnt return my money to my account in the amount of XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days late on the DPT ED/XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Complaint sub-issue: Received bad information about your loan

my student loans were paid off consolidated but I keep having a bunch of old negative accounts on my file. I want these accounts removed
Complaint sub-issue: Banking errors

Received offer from CITI Bank relate to a bonus for opening a new checking account with new funds. I opened and made deposit into new checking account on XX/XX/XXXX. The terms of the agreement stated : " within 90 days The Cash Bonus will be credited to the open eligible checking account ''. It has now been over 6+ months. I've called and spoken with numerous customer service representatives. Each time, was provided with conflicting information. After no updates, I went into a local branch on XX/XX/XXXX and voiced my concerns again. They took down my report, apologized, and said I can expect to have the Bonus deposited within a week. Still nothing to this day. So today, XXXX XXXX, XXXX, I called and after going through several of their customer support agents, I'm still left without any answers. I'm not being provided with any information as to the cause, or as to when I can expect them to meet the " terms & conditions '' they've set as part of the agreement. I have not been able to even reach a supervisor. It has been a very poor customer service experience.
Complaint sub-issue: Their investigation did not fix an error on your report

I suffered a major XXXX event and was in various hospitals for 6 months ( and can easily document same ). Because Discover Financial had switched me to " Paperless Billing '' and had an incorrect email address, those people monitoring my finances during my hospitalization were unaware of payments due to Discover. When Discover finally  reached out via actual mail & phone my payments were 3 months in arrears. My wife immediately contacted them, paid the account up-to-date, and Discover waved all late fees. However, I have since " discovered '' that they are destroying my credit report, reporting 3 late payments with one being 120+ in arrears. When I explained this, they refused to repair the information, claiming it is illegal under the Fair Credit Reporting Act to fix negative information that is the result of their error ( XXXX tells me they bounced Discover 's emails back to them, but Discover ignored the messages, and Discover waited 3 months to use the telephone number they had on file ). I am also told that there is discretionary rules that WOULD allow Discover to repair the damage they have done, but they refuse to do so. This false information is ruining what was an excellent credit score and costing me greatly, I desperately NEED this repaired.
Complaint sub-issue: Problem with fees

In XXXX of XXXX I contacted the card issuer citibank to close a credit card. I spoke to an individual who informed me to pay off the remaining balance and close the account. I paid off the remaining balance and the account was closed. 

After paying off the remaining balance and closing the account citibank posted additional interest and late fee charges to the account. As the account was closed and was no longer being accessed additional late fees were charged on the late fees and interest was charged on the late fees and interest. 

On XX/XX/XXXX I spoke to representatives from citibank who refused to waive the charges. I was lied to and deceived by the initial representative from the bank. 

This is highly predator behavior to close an account and then proceed to charge the individual late fees and interest on the account.
Complaint sub-issue: Attempted to collect wrong amount

I owned a XXXX  XXXX, which was heavily affected by the Covid-19 shutdown which took place across the country and I counted myself very fortunate to have the opportunity to receive a Payroll Protection Loan . I opted to apply through my regular business and personal banking partner, PNC. 
Shortly after receiving my PPP funds, I was approached with a generous offer to sell XXXX XXXX. The buyers were looking to take advantage of another program through the SBA, approved by congress, which allowed for forgiveness of 6 months of loan payments on any 7 ( a ) SBA loan, provided that the loan closes by mid XX/XX/2020. Having the PPP loan still outstanding, I requested with PNC that I be permitted to place the full amount of the loan in escrow after closing of the sale of the business in order to allow for additional time required to apply for and get a determination of loan forgiveness. For about a month I went round and round with PNC with them ultimately telling me that my options were to pay the loan off, wait to close until after it was forgiven, or dont sell the business. I checked with other banks, one of which is the largest SBA lender in the country, and they all said escrow was an option at their banks in an instance like this. 
So I was faced with a decision : Do I sell the business or not? I chose to sell the business and therefore paid off the full amount of the PPP loan ( {$100000.00} ) plus interest of a little over {$300.00}. I did this in the hopes that even though it was paid off, PNC would still allow me to apply for forgiveness in the spirit of the intention of the law and the program it created whereas congress expressed that if small businesses took this money and used it to pay their employees to avoid catastrophic economic consequences, they would be given an opportunity to have the loan forgiven. This has not been the case. 
For over a year, I have been attempting to communicate with PNC about applying for forgiveness. They did NOTHING to help me. I feel like PNC forced my hand in paying off the loan and now theyre penalizing me for it, even though it was the clear intention of the United States Congress for me to get this money and use it to help my XXXX and its workers. 
I implore you help me in any way that you can. I did not sell my XXXX  for XXXX  of dollars. I am not retired. I took advantage of an opportunity to sell this company so that I could move on to a less recession-exposed venture and not go broke. I used the PPP funds per the law and subsequent interim final rules to keep the company viable and to keep my staff solvent. This $ XXXX is not an inconsequential amount of money for me or my family.I want PNC held to account. 
XXXX 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, South Carolina XXXX XXXX Account # 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: Account status incorrect

In the middle of dispute with XXXX XXXX XXXX regarding unethical business practices with CFPB. They did not care to resolve-they disputed that the AUTHORIZED LOAN HOLDERS are not authorized parties so the CFPB closed my dispute. XXXX did not like the response in regards to nickle and diming fees from customers so they responded to myself and my husband ( who are both signers on the loan they provided us ) are now unauthorized 3rd party. We are unauthorized, but they take our payments monthly. Do not trust XXXX XXXX XXXX. Will not happen I am sure, but want it known that this company does not practice business ethically. I have offered to take half the responsibility for not checking that their payments that I am making are coming out of the right account, because I used to trust XXXX would have told me by mail or better yet maybe on one of the multiple occassion 's that I have spoken to a representative at their company since. No one told me that my old account number was still saved and that they can not update my new bank information for me. The over seas customer service reps are not trained adequately, so they took my payment, but never told me of returned payments that I made because my bank account was never changed, nor updated on my profile. That is why I called them, I will take half the responsibility for trusting XXXX would have done the right thing and let me know, but I should have know they are a corporation and would keep charging me fees instead of doing the right thing and letting me us know. This has been going on since XX/2016! No one told me that when I gave them the new bank info that it would not save. I expressed the fact that I could not login and had to change my bank info, yet none of the overseas reps could understand that and just took my payment without stating that they could not save this info. I honestly do not care any longer if they remove the negative mark or not. Just want other consumers to know how XXXX runs their business.
Complaint sub-issue: Didn't receive terms that were advertised

Dear Sir/Madam, My name is XXXX XXXX XXXX XXXX XXXX residing at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX. My phone number XXXX. I am reaching out to you to complain about Citibank 's unethical business practice. 

I saw Citibank 's advertisement on their website regarding a welcome bonus if a prospective applicant opens a checking account and deposita certain amount of funds within 20 days of opening the account and maintains the balance for XXXX days. The amount of bonus varies depending on the amount of funds on the XXXX day of account opening. I have attached a pdf version of their website advertisement to this complaint for your reference. I wanted to deposit 50,000 USD and maintain that balance for XXXX days to collect a 700 USD welcome bonus. Accordingly, I signed up for a basic checking account online ( Application ID : XXXX ) on XX/XX/XXXX and provided supporting documentation as requested by Citibank that day. As per the offer requirement, I should have deposited the amount by XX/XX/XXXX which is today. I could not deposit the funds because Citibank did not provide me with an account number yet. However, I have been receiving emails from Citibank reminding me that I should deposit funds into the account. THose emails provide my account number but only the last XXXX digits. I reached out to their customer service XXXX times since I signed up to request them to provide me with a bank account however, they said that the documentation that I provided needs to be verified which takes XXXX business days and until then they can not provide me the bank account number. It has been XXXX days and they did not complete that verification and so they did not provide me with the bank account details. They did not contact me to update me on where the process is and if any additional/supporting documents are required to complete the verification. 
I called customer care to ask if they will extend the eligibility grace period as they did not provide me with the details to deposit the funds, they denied it and said that I lost my eligibility. When I requested to escalate the issue to a supervisor, the customer service representative put me on hold but later disconnected. I later did not receive any communication or call from the supervisor. This is unfair as they did not create an account in time and for their inefficiency, I am having to lose 700 USD. I explained to them that it is not my mistake and that they failed their responsibility but they disagreed. This is a classic example of " Bait and Switch ''
Complaint sub-issue: Information belongs to someone else

opt out off lexis nexus or any date reporting system id theft victim ftc violation was sent to XXXX  with my 4 social showing on credit report and they haven't done anything
Complaint sub-issue: Reporting company used your report improperly

All of the reporting from this organization/ creditor to any credit bureau has been unauthorized & without my consent. On my XXXX  credit report it shows a creditor by the name of XXXX XXXX XXXX XXXX reporting the following : Account # XXXX Date Opened : XX/XX/2017 Account Status : Balance : {$250.00}
Complaint sub-issue: Their investigation did not fix an error on your report

It's been a while since I submitted a disputed. However, the student loans were duplicated on my Equifax and XXXX credit reports. I have tried to remove the duplications in the past, but it's still there. I have a total of 4 XXXX XXXX accounts on my report ( there should have only been 2 ). One loan was paid on XX/XX/XXXX and should be completely removed from all credit bureaus ( over 7 years old ). The other was paid on XX/XX/XXXX which is also duplicated. Currently, I should only be one XXXX XXXX account which should drop off in XX/XX/XXXX. Please advise.
Complaint sub-issue: Problem accessing account

Can't link my PNC debit account to any third party to give mobile access. 
This is required to receive grants for XXXX relief fund. Part of the application process.