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

I am a federally protected consumer and I am aware that this company isnt following the regulations of the Fair Credit Reporting Act. Please review the attachments to see my demands.
Complaint sub-issue: Information belongs to someone else

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : 1 ) XXXX XXXX XXXX XXXX, Inquiry Date : XX/XX/2020 ; 2 ) XXXX XXXX, Inquiry Date : XX/XX/2020 ; 3 ) XXXX XXXX XXXX XXXX, Inquiry Date : XX/XX/2020.
Complaint sub-issue: Problem with customer service

I am considered 100 % totally and permanently XXXX by the Department of Veterans Affairs ( VA ) due to military service-connected incidents. I currently have student loans with Sallie Mae Bank valued at {$25000.00}, and am trying to have them discharged on the basis of my XXXX. Currently, XXXX XXXX XXXX is overseeing the claim process on behalf of Sallie Mae, and despite sending in multiple pieces of documentation from the VA stating that I am totally and permanently XXXX, and that I am unable to seek individual unemployability due to already being rated at 100 %, XXXX XXXX XXXXXXXX insists otherwise, and wants me to seek out a doctor " that has treated [ me ] and considers [ me ] to be totally and permanently XXXX. '' This has been an ongoing issue since XXXX XX/XX/2022, and the most recent piece of correspondence from XXXX XXXX XXXX is dated XXXX XX/XX/2022.
Complaint sub-issue: Company closed your account

I opened a a US Bank personal checking account in person on XX/XX/XXXX. I deposited {$25.00} in cash to both checking and savings.

OnXX/XX/XXXX I received a phone call from the bank rep that opened my account asking if I was able to get online banking set up and if I had any questions. That same day I transferred {$1400.00} from XXXX to checking account. 

On XX/XX/XXXX my debit card arrives but my checking and savings accounts disappear in online banking. 

On XX/XX/XXXX I am no longer able to log into online banking and get a message directing me to call US Bank. 

On XX/XX/XXXX I call US Bank and I'm told that " new accounts closed my account citing the terms and conditions that they can close accounts for any reason or no reason. I was told to call the local branch for more information. 

On XX/XX/XXXX I spoke with the local bank rep who opened my account who confirmed that the account was closed and that it was done under the " for any reason or no reason '' clause in the terms and conditions. I asked about my funds and she could not confirm that my {$1400.00} transfer completed or whether it was being mailed to me. She informed me that any cash I deposited " should be sent via check. '' Now my ~ {$1500.00} is in limbo due to US Bank 's policy of shutting down an account 2 weeks after opening. They will not cite a reason for the shutdown and the only transactions on the account are my original cash funding.
Complaint sub-issue: Their investigation did not fix an error on your report

When reviewing my credit report I noticed an account being reported by XXXX XXXX XXXX. They were reporting a debt from XXXX in the amount of {$1500.00}. I contacted this company as well as XXXX, Equifax, and XXXX in reference to the report and all parties continued to report the account despite me alerting of them on 4 separate occasions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) of their failure to meet minimal reporting standards. This is outrageous and the failure to address my complaint is causing hardship to my life. I'm trying relentless to correct this issue. I have been trying my best to obtain different employment however the jobs I'm seeking include credit checks as a part of their employment process. This is embarrassing to my record as my credit score is a representation of my trustworthiness and this is not a great reflection, especially when this account is being reported against standards.
Complaint sub-issue: Debt is not yours

I have been getting a call the past year or so from an agency called Pro Collect about a debt for another person who is not me.
Complaint sub-issue: Account status incorrect

This credit bureau has committed a violation of the Fair Credit Reporting Act by re - aging an old account that has been reported on my account inaccurately. That account is a XXXX XXXX XXXXXXXX account that has been reporting on my credit. They had re - age a XXXX XXXX XXXXXXXX account that is reporting on my credit report. When I log into my Equifax account its says that the XXXX XXXX XXXX account is 1 year, 3 months and 14 days old and this is false. I have enclosed a copy of my credit report with the XXXX  XXXX XXXX account for all to see. Kindly see the file attached It is illegal for any credit bureau to re- age any account and it is a violation of the Fair Credit reporting act. I therefore ask you to delete XXXX XXXX  XXXX from my credit report due to this Fair Credit Reporting Violation. A failure to do so will give me legal rights to take action against your company for violating my rights under the Fair Credit Reporting Act.
Complaint sub-issue: Billing problem

On XX/XX/2020, I signed a lease contract with Audi Financial Services ( " AFS '' ) to lease a vehicle for 36 months. The contract stated an agreed monthly payment stream of {$510.00} for the 36-month lease period. My cash due at signing was {$4000.00}, this included my first month payment of {$510.00} for XX/XX/2020. On XX/XX/2020, I received an email from AFS notifying me that my next monthly payment for XX/XX/2020, is {$510.00} instead of the negotiated monthly contract of {$510.00}. I proceeded to look into my account history with AFS and noted that my previous XX/XX/2020 payment was also drawn at {$510.00} instead of the {$510.00} negotiated contract payment. The Audi dealership and AFS were both contacted at multiple instances once this error was discovered ; however, they were unable to resolve the issue although they confirmed my lease contract documents did note a monthly payment of {$510.00}. On XX/XX/2020, I made aware to the individuals from Audi that I am currently employed as a XXXX XXXX   XXXX XXXX XXXX XXXX  and what they were doing was illegal. In addition, I told the individuals that I would be filing a formal compliant with CFPD.
Complaint sub-issue: Reporting company used your report improperly

15 U.S. Code 1681a ( 2 ) ( A ) ( i ) - ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. 

They can not legally report accounts containing information with my transactions, experiences, or any dealings with another company. 

They are currently reporting my transactions and experiences with XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX and XXXXXXXX XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Went to XXXX Dealership inquire on car to test drive. However I told dealer multiple times to please do not pull credit, I only want to test drive. Dealer pulled credit anyways. I also told them I would Not be financing through them and not put application through however the financed car anyways. Not sure through what lender. Lender called me as I also told them I wouldn't be financing through them and do not proceed with process. As I pulled my XXXX XXXX report I see inquires for that day from . I didn't authorize any of those lenders to pull my credit. Not sure how they got my information .  XXXX XXXX XXXXXXXX XXXX, MIXXXX(XXXX) XXXXXXXX XXXX XXXXXXXX, MNXXXX(XXXX) XXXXXXXX XXXXXXXX XXXX, NVXXXX(XXXX) XXXXXXXX XXXXXXXX, RIXXXX(XXXX) XXXXXXXXXXXX, TXXXXX(XXXX) XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I've contacted XXXX XXXX & they told me I've never missed a payment, yet Equifax refuses to remove me from being listed XX/XX/XXXX to XX/XX/XXXX on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifaxs job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to update these damaging negatives from my profile. 
XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt resulted from identity theft

I got a credit report from XXXX while I was applying for a job with XXXX in XXXX, XXXX. The XXXX. sent a false report to XXXX causing me not to get hired. These are some of the problems with my credit reports : 1. AR Resources is a collection service that said I owed XXXX dollars to XXXX XXXX ( XXXX ) XXXX or ( XXXX ) XXXX. When I called XXXX, I had a XXXX balance because XXXX has paid all of my bills. 
2. I never lived at XXXX, XXXX XXXX 3. I do n't know what these are because I never made or met these : XXXX and XXXX and XXXX Card.
Complaint sub-issue: Problem with fees

I have a credit card that is linked to Costco. I do not use this credit card, although since it is linked to costco when my memebership fees came due, the credit card was charged. The bank account linked to my credit card I had closed. I had forgotten that this was linked. I had closed the bank account because it was related to a business that I had also closed. The auto payment was returned and the credit card charged me 2 fees for the next billing month of XXXX. I did not receive any mail notification as the address they had on file was incorrect. I have been charged a late fee for the last 5 months, that have now exceeded the cost of the original purchase. The only reason this came to my attention was because of a phone call from the company. I called and they said they could remove 1 late fee. I called back to see if there was anything else they could reverse, and now they transfer me and hang up on me. I was cordial on the phone, but it seems they have somehow " flagged '' me.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft I have worked extremely hard with Equifax a year now about my credit I have sent verification of documents, Police Report from the XXXX police department, even hired an attorney who has been communicate with this company. I also have documents from the company that are fraudulent on my credit for inquiry to open accounts. it has been more than a year almost the inquiry are still on my credit. those company has informed all three of the credit bureau. Equifax has changed my credit score down I have not apply for any account yet my score is down when I last check it was in the XXXX or higher. I called to ask what was going on a young man by the name of XXXX I sure I am not spelling his name correctly but that is the way I had received it when I asked him to spell his name. Because I informed him that I was recording our conversation for documents purposes I was told to resend the same documents again to fax # XXXX witch is the Dispute Dept. and send it again to the Fraud Department # XXXX these are the company that sent me letter of open fraud applications. now I have 17teen inquiry they have not removed. The young man told me they still are showing my maiden name but the Equifax credit show XXXX XXXX. He said it still shows XXXX XXXX I have the change on my Equifax that's why I know they received my information. I don't understand why they are not updating my credit. XXXX, XXXX, to applications, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX two times one was tired for 2days in the same month. another in XX/XX/XXXX. I informed XXXX XXXX XXXX about the situation that is was fraudulent they said they had already reported to all three credit. XXXX 's had showed the application as fraud and sent it to all three credit bureaus, I still have other things that I am disputing My lawyer has taken over that. I hope this issue can be resolved soon.
Complaint sub-issue: Information belongs to someone else

I do not recognize the account I have never agree, signed or authorized to open an account or even to inquire debt with the creator. The account is fraudulent or reported incorrectly on my credit report. I have file a Identity theft and attached it. Please investigate and once is confirm that the transaction is not mine, remove it from my credit report. 
XXXXl XXXX account # XXXX
Complaint sub-issue: Information belongs to someone else

I have been trying to get my credit report cleared of inaccurate information since it was brought to my knowledge that someone was utilizing my identity without my knowledge. I filed a police report in 2019 upon being notified of many items ( accounts, inquiries, public records, personal information ) on my reports that are NOT mine. I have written several letters to bureaus with police report and explanation of identity theft and they are not being cooperative and have NOT provided any documentation of proof to validate refusal to remove disputed information/accounts. I am trying to achieve government funding for a environmental improvement contract and this false information is ruining my credit reputation immensely.
Complaint sub-issue: Reporting company used your report improperly

Equifax was hacked 2 months ago, they did nothing about it until now and all of my information has been compromised. They 've given no next step instructions, or explanations on how this happened.
Complaint sub-issue: Didn't receive advertised or promotional terms

I signed up for a Citi XXXX XXXX savings account under promotion ID # XXXX and immediately funded the {$10000.00} required for the " Additional Miles '' The promotion read : " As an ongoing bonus, benefit from : 25 % more miles, incrementally earned on Citi AAdvantage card purchases up to {$50000.00} spent per year when you maintain a minimum average balance of {$10000.00}. '' I did the qualifying event - depositing {$10000.00} immediately and have maintained that balance since XX/XX/2020. I have continued to use my AAdvantage card but have not received the 25 % bonus miles on any of my statements. In the App I show as not having qualified, though representatives on the phone agree that I did indeed meet the qualification criteria. I have opened multiple cases with Citibank over the past 12 months. All cases have been unresolved with no action taken to resolve it. 

I have also faxed this information to Citibank and received no response.
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

Purchased a boat in XXXX Filed Bankruptcy in XXXX Paid off loan through bankruptcy in XXXX received credit balance check on XX/XX/XXXX Bank will not send title
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I XXXX XXXX XXXX living man conducted an investigation of my consumer report which caused great XXXX and stress on me mentally and physically when I found inaccurate, unauthorized, unverifiable and questionable items that your agency failed to make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) - Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( 5 ) -Treatment of inaccurate or unverifiable information, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days of your investigation, you must remove the accounts and or the information listed below. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Thanks for your help with this matter
Complaint sub-issue: No notice of investigation status/result

Am Filing this complaint because Equifax has ignored my request to provide me with the documents they have on file to verify the accounts I disputed under section 611 ( 5 ) ( a ) of FCRA thy are required to promptly delete all information I requested that can not be verifiedPlease resolve this manner as soon as possible Thank You
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 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. I feel like Im being taken advantage of, and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will be seeking litigation due to the stress this has caused me. My information was also impacted by the Equifax data breach and may have fell into the hands of the wrong person.
Complaint sub-issue: Account status incorrect

I have reached out to Sezzle twice about the wrong balance reported on my account. The first time I called about the issue I was told my issue was escalated to a supervisor & would be called back. That never happened. I ended up calling again and was told they were late updating everyones credit report for the month of XXXX. I took a look into my XXXX  report today & today is XX/XX/XXXX not update of my current limit, wrong limit shown and balance. Sezzle has continually hurt my credit score since Ive been using them my credit has continuously dropped due to credit utilization being too high when I have paid this account off and have a higher credit limit. It shouldnt take 2/3 months to update a credit report.
Complaint sub-issue: Debt was result of identity theft

I received mail from XXXX saying a last payment was sent to a debt collector. I called XXXX to inform them that Ive never opened a phone account with them and that this is a result of identify theft. XXXX connected me to the debt collector. The debt collector said there is nothing they can do and that I have to pay the debt. Ive submitted a police report as well as submitting a compliment with XXXX XXXX insuring that this was not my debt and my identity was taken. Ive been on a XXXX  line with my aunt since XXXX - XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have asked Equifax to remove all unknown inquiries that are listed below that ca n't be verified as mine and they refused to help.
1. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX
Complaint sub-issue: Privacy issues

I have received a letter regarding my BestBuy ( Citi Bank ) Visa card today, the letter was in regards to their monthly automated statements being returned. While, I appreciate the letter and the importance of informing me about this issue, there is one aspect that I have a huge problem with. On the top left hand side of the letter is of course the return address : " Best Buy Credit Services '' .... directly across the page is my COMPLETE 16 digit account number. My complete account number that, by the way, you can read through the envelope if held up towards a light. I have received this exact letter before several months ago and I called and spoke with an CSR who was not able to help at all. 
I think this is a serious issue that can easily lead to someone fraudulently using my account.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XXXX/XXXX is on my credit report that I never authorized. The hard inquiry was made on XXXX XXXX, 2016. I never made this inquiry at all. I world like it removed from my credit report a soon a possible
Complaint sub-issue: Trouble with how payments are being handled

Hello, I recently had my FedLoan account transferred to XXXX after absolutely no communication or warning. This was after I requested a refund to my account, and now neither company is able to give me concrete answers on when I will be able to get this refund and WHERE the refund will be going, since XXXX has not been able to transfer accounts yet and I can not log in. 
This is unacceptable due to lack of communication or any direction whatsoever. If the refund is not processed in time, interest will start accruing at the hands of these companies who handled this situation at the worst possible time, seemingly intentionally. FedLoan has been an incredibly difficult company to work with. Those who are dealing with this situation do not know what their future financial situation with this will be whatsoever.

I can not even provide account number information because it is completely gone from FedLoan 's website.
Complaint sub-issue: Investigation took more than 30 days

i filed a dispute its been well over 30 days and i have not received any investigation results
Complaint sub-issue: Problem with fees

XX/XX/2019 I got a letter from ELAN FINANCIAL SERVICES THAT I WAS DUE {$37.00} is owed to be after further investing my account. My card is suppose to be closed and my account closure is in pending status. I was suppose to get my check by XX/XX/19 I never got my check. I called XX/XX/19 Customer Service stated that they never mailed by check and now I have to wait 10 business days to get my check. unacceptable.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

On XXXX/XXXX/XXXX I contacted Direct Express at XXXX XXXX and spoke with customer service to dispute a transaction on XXXX/XXXX/XXXX of {$92.00} with XXXX XXXX They said they were transferring me to Dispute Department but I was redirected by the voice system to a recorded message telling me to call back and hund up. On my second attempt the same thing happened. i want to open a dispute for this transaction. I never checked in to this hotel or check out. There is no camera footage of me doing so. A family member was delayed getting into town. The hotel would not allow me to make adjustments well in advance. I want this transaction reversed.