Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

A debit card payment was made XX/XX/2019, to rectify a past due balance. The payment was well over the past due amount. Upon taking the debit card payment, representative, " XXXX '', failed to inform me there would be hold although payment made via debit card. Additionally representative stated after me asking, that funds would be available the next day, XX/XX/2019. However, that was not true. After several declined {$61.00} attempts, then finally reaching a supervisor " XXXX, '' was I then informed of the hold. Explaining the situation to supervisor " XXXX '', I requested for the call to be pulled to demonstrate representative misinforming me AND lack thereof. Hold was eventually " lifted '' Tuesday, XX/XX/2019, after ASSESSING fees elsewhere, for the same type of transaction, in the amount of {$320.00}. A difference of {$260.00} from the initial declined authorization from which original debit card payment derived. On XX/XX/2019, I spoke with supervisor, " XXXX, '' who stated did not " see '' any notation for the request of call being pulled on XX/XX/2019 for a credit of the difference. Was again informed, in order for a credit to be issued, the call would have to be pulled and reviewed. A 2nd request ws then sent to " a higher up, '' XXXX, who would be, " giving me a call back within the next business day. Spoke again with supervisor " XXXX '' on the evening of XX/XX/2019, in reference to not receiving phone call from " XXXX. '' Whereas " XXXX '' responded he would again send over, now a 3rd request for the original call to be pulled and reviewed. On XX/XX/2019, still not in receipt of returned call, spoke with supervisor, " XXXX '' who stated no action had been taken, she was forwarding yet a 4th request, and if fee and/or charges were accrued outside of this card, credit would be issued, if proven it was an error by representative, however, not before review of call. Again told the same by another supervisor on XX/XX/2019 upon status check. On XX/XX/2019, XXXX whole days after initial request, a " higher up '' XXXX finally reached out to me. She informed me she pulled and reviewed the call, to find their representative, " XXXX '' had in fact failed to inform me of the hold, prior to taking payment, as well as, relaying false information even after my credit availability inquiry. " XXXX '' went to say that I was given incorrect information as to being credited for any expenditures, and they would " coach '' the representative. I explained to her, I am XXXX and due to their representatives error I was forced to spend and extra {$320.00} of my XXXX livelihood benefits. To date taking a total loss of {$570.00} of which I have to purchase much needed medications. So not only was I lied to, mislead, mishandled, and disregarded, Im now forced to physically suffer, at the hands of their representative, AND several supervisors. I ended the conversation informing " XXXX '' I will be contacting to include, but not limited to government agencies, with my formal complaint
Complaint sub-issue: Their investigation did not fix an error on your report

Pursuant 15 usc 1681 Equifax is liable for reporting accurate information on my consumer report. Equifax continued to give out incomplete and inaccurate information after I requested several times via certified mail to investigate and correct inaccuracies. 
It is at this time that I will point out that in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable.
Complaint sub-issue: Information belongs to someone else

My credit report indicates accounts and car loans/leases that do not belong to me. Addresses an names. personal information that is incorrect an misleading used to obtain credit, please start a re-investigation an update the incorrect information thats on my credit report! This is causing undie XXXX XXXX to me and my family in a global pandemic.
Complaint sub-issue: Information belongs to someone else

I file a complaint against Equifax each time fraud is put on that belongs to someone with the same name or my family member. I am so tired of this. Now, your company has put XXXX XXXX XXXX on my credit file. My car is financed through my credit union. 


XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Cc : XXXX XXXX XXXX XXXX : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : Confirmation Number XXXX I am writing to dispute the following data in my credit file. I have listed all XXXX XXXX XXXX above. It is a letter meant to bring unnoticed mistakes to Equifax 's attention. I am begging that these fraudulent items be detached from my credit file and correct my credit report 's data. 

I have severe problems with XXXX XXXX XXXX! These kinds of companies are probably responsible for different breaches at Equifax. My credit file was a breach was years ago without any compensation. I completed all the appropriate I am still trying to get my V. A. Loan that I have rightly earned. 

Please delete these as soon as possible. I will keep pushing these removals until I am entirely content with this simple process. Why can I not get my V.A. Loan by no fault of my own? Why should my family continue to stay in a hotel since I can not obtain a loan? Why has this been going on for nearly two years? Why will Equifax not XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Americans, particularly my XXXX I am begging to have XXXX XXXX XXXX removed, and let me XXXX? 

Could you all show XXXX 's kindness to Veteran who risked his life in fighting for a country I love dearly? Equifax could make this right in a matter of minutes.
Complaint sub-issue: Funds not received from closed account

After Citi fraudulently stole {$2900.00} and refused to refund me despite my multiple appeals, I filed a CFPB complaint. As retaliation, they closed my account the night of XX/XX/XXXX, the day before XXXX of XXXX weekend. These cowards refused to provide me with the true explanation, but I finally found out it was retaliation through some digging. 

On XX/XX/XXXX, I received a letter that I would receive my funds from the closed account no later than 10 business from the date ( XX/XX/XXXX ). I called on the 8th business day, and was assured I would receive my funds by the XXXX. I did not. I tried to call again today, and it appears the bank has blocked my number and stolen these funds as well ... ..
Complaint sub-issue: Information belongs to someone else

FTC Violations I never live at these addresses : XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX LEGACY XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX PASS XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX LEGACY XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Names is incorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX {$15000.00} XXXX XXXX XXXX XXXX XXXX # XXXX {$0.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALLY FINANCIAL XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX - CARD SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - CARD SERVICES CAPITAL XXXX BANK XXXX XXXX
Complaint sub-issue: Received unsolicited financial product or insurance offers after opting out

This business used my information without my knowledge or approval. This credit check was not authorized. This has damage my credit and my bank, of over 40 years has stopped all my credit because of these erroneous inquiries.
Complaint sub-issue: Card opened as result of identity theft or fraud

On XX/XX/XXXX, Shell/City issued a credit card to a thief in Florida. The balance was more than {$3000.00}. I never receive any account info from Shell. I disputed this by sending one fax, 2 mails. The document included my NJ driver license, my home equity loan bill with NJ property address, and utility bill to prove that I live in NJ since XXXX and never live in FL. So far, Shell never reply to me. When I call Shell, I was required to input my SS # and last 4 digit account #. I don't know the last 4 digit # for the fraud account based on the 3 credit union reports. All of my calls were rejected even I input my SS #. I disputed this to 3 credit unions many times, but 2 of them did not remove this fraud account because Shell 's investigation rejected my dispute many time without any reason. 
Shell also made cheating on this fraud account. The account had more than {$3000.00} balance, but its balance became zero after 120 day late payment. The thief should not pay. Shell 's cheating report made XXXX believe that I paid to the fraud account.
Complaint sub-issue: Funds not received from closed account

Opened a joint checking and savings account with Citi bank with the motive of moving money for my down payment to this account and setting up auto pay. 

Date of opening - XXXX XXXX, XXXX Funded account with XXXX $ ( XXXX XXXX, XXXX XXXX 
Never received any debit cards for the account. 

On XXXX tried to add another XXXX  account belonging to my wife to transfer XXXX $ in the account. We added the account and it didn't give us any failure message and this is where the nightmare began. They never added the account and i mistakenly chose an account which didn't have the funds. I immediately called the bank ( within 5 minutes of making the mistake since i couldn't see a way online to cancel the transaction ) and they gave me a response they can't do anything and since you don't have funds the transfer would be canceled. I still called my other bank and did a stop payment. Also, made sure that i am not removing any money from the account. 

They resolved the issue by around XXXX XXXX but blocked both my checking and savings account. And even till date i never received any debit cards. 

I kept calling them and they kept hanging up. They just repeated that the account will be closed and you will get a cheque for the money in your account in 60 days. They closed my savings account around 4-6 weeks ago which didn't had any funds, but they still haven't closed my checking account and returned money. 

I have tried calling them, visited their branch multiple times but no success. 

Also i tried to make them understand that i am moving from my current address so atleast update the address in your records and there answer has been can't do until the account is closed after which i will have to call customer care again and try and change the address. 

It has already been more than 4 months that i have been trying to get my money back
Complaint sub-issue: No notice of investigation status/result

A delete item reappeared on my credit report. On XXXX/XXXX/2017, Equifax deleted the item XXXX XXXX XXXX from my report. After checking my report today, I noticed the item has reappeared. If an item is inaccurate, the bureau has to remove it. If they later discover that the error has been corrected they ca n't put the negative item back in your report. But if they do that they first have to tell you 5 days before they reinstate the item. 

I was notified with the 5 days before they reinstated the item.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX  more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Account information incorrect

what XXXX XXXX is saying payment i missed was from XX/XX/XXXX not from XXXX like they have listed which im saying is inaccurate late payments should be listed in XXXX not XXXX when i actually found out about it and made current
Complaint sub-issue: Reporting company used your report improperly

Gentlemen, My name is XXXX XXXX. I settled my account ( Discover Credit Card ) with a Debt Collector. Discover chooses not to report the proper information to the Credit Bureaus. I have noticed they are basically doing this and hurting the consumer. They basically are saying on the credit report it was basically charged off Debt and it shows that and when companies run credit this shows as a charge off so they are assuming the balance was not paid? I went back and fourth with Discover and got nowhere!! They basically didnt care!!! They basically are labeling me because my account was in collections!! I think is wrong they are labeling people who do go thru circumstances and do not basically give credit that a consumer settles the debt.
Complaint sub-issue: Personal information incorrect

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date : XX/XX/2022 To Whom It XXXX Concern : I looked over my credit report and found some addresses that appear incorrect. I've enclosed documentation providing proof of my current address, as instructed on your website. To make your process of deletion easier, here is a list of incorrect addresses that I am currently seeing listed ( which I would like to be removed please ) : ( Previous/Incorrect Addresses ) 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  There should only be XXXX address listed on my credit report, which is XXXX XXXX XXXX XXXX XXXX. 

Please remove inaccurate employers as well as listed below : XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. Self-employed XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX remove inaccurate phone numbers as well as listed below : XXXX. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX Please remove inaccurate names : XXXX XXXX Thank You, XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have attempted NUMEROUS of time to have this issue resolved... I noticed a couple months ago on my report, numerous of UNAUTHORIZED credit inquiry 's that WERE NOT solicited by me on my report.. I sent physical dispute letters on XXXX different occasions on XX/XX/XXXX, XX/XX/XXXX and A XXXX attempt on XX/XX/XXXX. The response I was given is that they are " investigating '' to verify the information every time and it resulted in the erroneous items still staying on my credit report and negatively affecting my score when I clearly stated such items were unauthorized and inaccurate. It has been well over 30 days since my initial dispute of this inaccurate information. Per the Fair credit reporting act companies have 30 days to conduct their investigation once that time has passed and the information can not be verified they have an obligation by law to remove it and once again NOTHING HAS BEEN DONE TO RESOLVE THIS MATTER. 

Both EQUIFAX AND XXXX are violating the Fair Credit Reporting Act and my rights as a consumer. 
This is my final attempt before taking legal action to seek damages and exercising my rights as a consumer because there is a clear violation of FCRA XXXX XXXX XXXX. 

XXXX INACCURATE REPORTING : XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Received bad information about your loan

I am an XXXX with substantial XXXX XXXX debt. I have stayed in government positions or with non-profits because of the public student loan forgiveness. 

I have had, and continue to get improper information about how to make sure my loans qualify for loan forgiveness. I still do not have the proper accounting of qualifying payments. I have worked for XXXX XXXX, a qualifying non-profit from XX/XX/XXXX- XX/XX/XXXX. I now have worked for the XXXX XXXX XXXX XXXX from XX/XX/XXXX- present. ( I am currently submitting my employment certification form from XX/XX/XXXX-XX/XX/XXXX so those may not be reflected yet. ) I can not access any of my old documents uploaded online, they do not give you copies of any emails you send to them and the only method to hold them accountable, the chat feature, has been deactivated. There is no meaningful way to track what they tell us, documents that are provided, and no method to contest when payments are qualifying. I have submitted documentation for annual re certifications, called to ensure they received it, was told it had been received and then later received notices that i never sent anything and had to put my account into forbearance. 

The misinformation and lack of accountability results in individuals staying in lower paying jobs for months or even years longer than they intended without the benefit of meaningful Public student loan forgiveness.
Complaint sub-issue: Trouble using the card to spend money in a store or online

I received a gift card on XX/XX/XXXX at my retirement party but when I went to use it I was not able to use the card as it said there was a card error. I contacted customer service from the bank card : MasterCard/USBank. They wanted me to fax them a copy of my driver 's license and other information. I told them that the card was a gift card and I was uncomfortable with this but after talking with XXXX XXXX, the supervisor ( badge # XXXX ) she said that this was the only way they could help me. 
I went to the local branch office ( XXXX XXXX, CA ) and they were very helpful. XXXX, the assistant Branch Manager. He helped me to get the information I needed. He discovered that the card had been used at a XXXX  in XXXX on XX/XX/2018. I talked to the Dispute Resolutions Department as part of Bank and Risk Operations and faxed them a form that they requested from the Bank Branch on XX/XX/2018. 
On XX/XX/2018 I received a letter from this Dispute resolution department from USBank that was sent from XXXX XXXX XXXX, XXXX, XXXX XXXX dated XX/XX/2018. There was no phone number to call so I called customer service who would not give me a direct number. I was put on hold for almost and hour before someone came back on the line to tell me he had to get a form to call me back in 24 hours. I did not continue the call at this point..
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft, I have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that item comes back validated even though the information incorrect.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, EVERYTHING must be 100 % accurate on my credit report. The information that is reporting is inaccurate from the open dates, last active date to last reported date. This is grounds for removal & these following companies have violated my rights : XXXX XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXXXXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX WI # XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX DEPT OF EDXXXX  XXXX XXXX DEPT OF ED/XXXX # XXXX DEPT OF ED/XXXX  # XXXX DEPT OF ED/XXXX # XXXX XXXX XXXX # XXXX US DEPT OF EDXXXX  # XXXX US DEPT OF ED/XXXX # XXXX 15 U.S.C. 1681 Section 602A : States I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It states a Consumer Reporting Agency can not furnish an account without my written permission.
Complaint sub-issue: Information belongs to someone else

Equifax has an account on my credit report that does not belong to me. I tried to dispute this information several times with Equifax on line, by phone and mail. Every avenue failed. The account in question is as follows. 

XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Account Number : XXXX Current Status : PAYS AS AGREED Account Owner : Individual Account. High Credit : {$0.00} Type of Account : Revolving Credit Limit : {$2500.00} Term Duration : Terms Frequency : Monthly ( due every month ) Date Opened : XX/XX/XXXX Balance : {$0.00} Date Reported : XX/XX/XXXX Amount Past Due : Date of Last Payment : Actual Payment Amount : Scheduled Payment Amount : Date of Last Activity : N/A Date Major Delinquency First Reported : Months Reviewed : 23 Creditor Classification : Activity Description : Paid and Closed
Complaint sub-issue: Information belongs to someone else

y name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Complaint sub-issue: Didn't receive advertised or promotional terms

Home Depot offered a promotional rate of 0 % financing for 24 months for opening a store credit card in XX/XX/XXXX for a project. This time frame would be approximately XX/XX/XXXX through XX/XX/XXXX. The promotional rate that I received was only through XX/XX/XXXX and I have been charged interest. I called the Home Depot credit card and they refused to honor the promotional rate.
Complaint sub-issue: Their investigation did not fix an error on your report

sent dispute to equifax on XXXX and still haven't got any results on investigation XXXX  has remove all collections on credit report my but XXXX and Equifax haven't therefore i know my report is inaccurate and not 100 % correct and by law must be removed from my Credit Report Also Equifax has improper display of my collections which makes it inaccurate which needs to be immediately removed