Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

I tried to correct $ XXXX added to my bill by XXXX XXXX directly with them on a special type of order they allow. They claim I didn't pay it off. However I have bills showing it was paid down to under {$50.00} prior to the due date of XX/XX/2018 I sent them all of the billing statements proving that. I even filed a complaint with you and the XXXX XXXX XXXX  on this same issue. It was neither resolved or corrected by either agency. Instead it was allowed to fester. I disputed it with all of the bureaus and sent the same exact evidence to them as well. They too ignored it and sent it back with the same incorrect balance not having been resolved at all. I don't believe they did anything other than send them some ticker tape notice saying I disputed the item. I sent them a lot of paperwork that cost me a lot of money to dispute this and explained the situation. They treated it like any other dispute and didn't resolve nor even try to handle it with the proof provided. They just disregarded it and sent me a useless report not saying anything! I refuse to pay XXXX the money I don't owe them and will end up suing them when I get the balance low enough to that point. I don't think a judge would agree with them if this is not resolved this time.
Complaint sub-issue: Application denied

Today I applied for a reapproval for Klarna and was denied due to them telling me that they can't identify my identity with XXXX. That's strange, because every time I try to apply for an account with them I get this same message. I think this bank discriminate against applicants that have a credit freeze on their credit and keep in mind that's in place to protect them. I was a victim of identity theft is the reason for the freeze. 

Mind you prior to applying I removed the freeze off of my credit report. Screenshots are attached. Normally if a freeze is on an applicant 's bureau the creditor would reach out to request it to be remove in order to process the application, but not XXXX this is a bias bank and I want them to run the credit as the credit bureau is unfroze. 

Any questions I can be reached at XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has been non-compliant with removing the unverified account XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX  have both completed their research and determined that XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I reviewed my Equifax consumer credit report and file and the following inquiries are unauthorized : XXXX XXXX XXXX  XXXX - XX/XX/XXXX EQUIFAX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX EQUIFAX - XX/XX/XXXX, XX/XX/XXXX XXXX, XXXX - XX/XX/XXXX EQUIFAX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX EQUIFAX - XX/XX/XXXX EQUIFAX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX EQUIFAX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX/EQUIFAX - XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX EQUIFAX UPDATE XXXX XX/XX/XXXX, XX/XX/XXXX EQUIFAX - XX/XX/XXXX, XX/XX/XXXX
Complaint sub-issue: Fee problem

I received a promotion to open an account at Key Bank. I opened the account and I was told that if I used the debit card monthly or received ACH deposits the account would be free. I never received my debit card and could not use it to waive the monthly fee. But I did get monthly ACH deposits but was charged a $ XXXX  monthly fee three times, once in XX/XX/2020, XX/XX/2020 and XX/XX/2020. The monthly fee charges stopped in XX/XX/2020. I have contacted Key Bank and they said they will send another debit card. They have not reversed the three $ XXXX  monthly fees.
Complaint sub-issue: Their investigation did not fix an error on your report

Did not remove the inaccurate accounts, according to the provisions of the FCRA
Complaint sub-issue: Personal information incorrect

Complainant : - XXXX XXXX XXXX SSN : XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TN XXXX Equifax CRA, is reporting incorrect information on my credit file. Additionally, Equifax has advised that they will not investigate the issues I am disputing, and have gone ahead and turned my online ability to dispute any incorrect information. Further, they are not also refusing to accept any documents I forward to them via fax, mail of electronically to support my dispute.
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Equifax continues to list an incorrect former name on my profile. My name is XXXX XXXX XXXX, with NO generational tags to it. Equifax is showing an incorrect name on my profile. Again please see attached drivers license and ssn card showing my correct name.
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Equifax is listing a FORMER SSN as being associated with me. I only have one SSN number and do not understand how my profile would have more than one SSN. I have contacted all current and former creditors and they have all verified that they did not provide this incorrect information to Equifax. I have demanded that Equifax either remove this inaccurate information or provide the name of the creditor providing this inaccurate data. They have advised that they do not know who is providing this inaccurate data but will still report it.
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I have retained the services of an attorney, XXXX XXXX, and submitted a power of attorney to Equifax, to allow them to discuss my account with him directly. XXXX XXXX attempted to contact Equifax on my behalf but they declined to discuss any matters on my account with him.
Complaint sub-issue: Attempted to collect wrong amount

There is a collection listed on my credit report from Carter-Young Inc for an amount of {$10000.00} which is completely wrong. I have tried to resolve this but the apartment complex has changed hands and now no one can talk to me about this false collection. I received something from the initial apartment showing {$3500.00} no where near the {$10000.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

Fraudulent debt collection practices  : PROCOLLECT IN  C  XX/XX/XXXX  to present  XX/XX/XXXX .      I previously filed a dispute and never received notice of outcome or request for further information with  XXXX  in  2016  once I received a letter from the aforementioned collection company informing me I owed them money on behalf of  XXXX   XXXX  in  XXXX   XXXX , IN  XXXX  ( I believe they are now run  by    XXXX    a Real Estate Company ). Th ey have changed companies many times since I lived their and were undergoing foreclosure/bankruptcy when I moved out after my lease was up.     The letter I received from PROCOLLECT stated I owed in excess of  1400.00 for  damages made to an apartment I hadnt lived in for months. I was NEVER contacted by the actual apartment complex or manager  XXXX   XXXX   ( who  I had many issues with over the course of my tenancy ). I immediately contacted the apartment complex, left messages and emailed asking to speak to the actual management company and not  XXXX   XXXX . The only call I got was from her and she refused to give me the number to contact anyone but herself ( we had some very real issues when she accepted my dog and falsified his breed on paperwork to get my deposit money and then subsequently told me he was not allowed to stay there due to his breed and I couldnt renew my lease, this was also after my neighbors dog attacked mine and he threatened me which resulted in his arrest and the removal of his dog ). That caused  XXXX   XXXX  some issues when trying to explain why she accepted my dog because of his breed. So at this point she was trying to cover herself and upset with me because I filed a report. The letter from collections stated I owe monies for damages to the apartment. I asked for proof of damages, pictures a signed copy of the move in and /move out walkthrough that they never showed up to complete upon either. I also again was never contacted by them in an attempt to collect any monies even though they had my address and phone number. They also did not list the  XXXX  pet deposit with my  XXXX  security deposit I paid. On the invoice I received from collections it wasnt listed as being deducted from the alleged damages. Neither company can provide any documentation to support these charges. I will also be filing a complaint with the better business bureau and contacting the newest management company in regard to this matter and detailing my interactions with  XXXX   XXXX . The only reason this ever went to collections is because I was never notified for a reason. Neither of these companies have any proof of debt other than  XXXX   XXXX  falsified invoice.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/18, spoke with XXXX about a complaint with the Department of Education. HIs phone number XXXX, Ext XXXX. He called me and left a message. I called him back and we discussed customer service issues that he says he was going to report. I was concerned about my credit bureau reports and he assured me that they were reported to all credit bureaus XX/XX/2018. So I called XXXX twice on this XX/XX/2018 and they say they have received no information from Nelnet on my student loan payment. I called XXXX but was given the wrong information. I left XXXX a message on XX/XX/18 about XXXX. He called me back on XX/XX/2018 and is adamant that everything has been reported to the Credit Bureaus on XX/XX/2018. I asked him his tile and he told me he was a Senior Resolution Specialist. I asked him his last name which he informs me he doesn't have to provide but gives me the initial XXXX  for the last name. On his voice mail it sounds like XXXX, though I could be wrong he had told me previously he was from Nebraska which I'm guessing from my credit report the city is XXXX. I tell him I'm going to have to make some complaints and that we were done. I called XXXX  and XXXX  again on XX/XX/2018. I am told the last payment was XX/XX/2018. I call XXXX  and they show the payments from Nelnet for XX/XX/2018. I call the Department of Education to make another complaint because he won't believe XXXX  and XXXX have received anything from Nelnet. The Department informs me that he says information reported to credit bureaus was XX/XX/2018, which is the complete opposite of what he told me on XX/XX/2018, which was XX/XX/18 which they report the last day of every month. I told the Department of Education that Nelnet did not report to XXXX and XXXX and they say maybe it can be reported again by Nelnet. This is Nelnet 's choices, call XXXX and XXXX to verify they have not received the information of payments from Nelnet as of XX/XX/2018. Under the Fair Credit Reporting Act XXXX  and XXXX are regulated by the Federal Trade Commission.As soon as the credit bureaus receive information from Nelnet they put it in my credit report. I will not wait the 60 days for you reply to the CFPB and I will be taking you to court if my XXXX and XXXX are not updated immediately. XXXX XXXX, Senior Resolution Specialist. Everything has been opened up in my area with no further fire. Your looking at a screen that tells you it's been reported by one of your employees. Well guess what it hasn't been. I will be vigilant in my effort to make sure Nelnet properly reports to the credit bureaus. I know how the CFPB works and I will not be intimated by Nelnet.
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The : following items need to be investigated and corrected for erroneous reporting in my file 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem getting your free annual credit report

I have been trying to get my info from equifax for a couple months now. I have mailed them the requested docs, sent them email, waited on hold for hours, etc. They are totally non-cooperative. Truly a horrible company for the consumer to have to work with. I find the other credit reporting companies do not have equifax 's problems.
Complaint sub-issue: Overdrafts and overdraft fees

On XX/XX/2022 at US BANK branch location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX I was subject to improperly manipulation in my debit card transactions in order to generate excess overdraft fee revenue. US BANK has been sued for this before in the past. I was rudely kicked out of the US Bank XXXX on XX/XX/2022 by bank XXXX XXXX XXXX ID # XXXX contact info direct line XXXX branch line XXXX fax XXXX E-mail XXXX. I was told by the XXXX and I quote " we close in XXXX minutes I don't have time for this you can leave. '' I was taken back after she said I was being rude for asking her to help figure this issue out. And she would not show me her screen and scroll past all the invalid charges not wanting answer my questions. She continued to humiliate me in front of staff and customers kicking me out not wanting to help due to them closing in XXXX minutes. I was mad and asked what I can do cancel the account and she canceled it with confirming it first and said goodbye its done. And when asked for proof I wasn't given any and was told I would get it to an old address I don't live at any more. I'm reaching out because I didn't receive my charges waived and they will now effect my credit and be sent to owe something that is truly mine. In the past a U.S. Bank 's settle a law XXXX XXXX the exact same reason that i had gone into the bank today. The lawsuits claim that U.S. Bank 's internal computer system re-sequenced the actual order of its customers ' debit card and ATM transactions, by posting them in highest-to-lowest dollar amount rather than in the actual order in which they were initiated by customers and authorized by the bank. According to the lawsuits, U.S. Bank 's practice resulted in its customers being charged substantially more in overdraft fees than if the debit card and ATM transactions had been posted in the order in which they were initiated and authorized.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX 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 n i made this clear for 60 days straight with transunion 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: Threatened or suggested your credit would be damaged

XXXX XXXX XXXX XXXX made a billing error on my account. I've contacted them numerous times to fix this account, to no avail. In total, I've spent 10+ hours on the phone with company to get the billing error corrected and each time promised that it would be resolved. The alleged amount of {$51.00} ( which is an error ), is now on my credit report. The company that is reporting the amount on my credit report is IC system. I have disputed the amount electronically with IC System in XXXX and XXXX of XXXX via XXXX XXXX dispute process and the amount is still showing on my credit report. As a result, my credit score has now dropped by XXXX  points which is impacting my access to credit and how I conduct business and my personal affairs. In addition, this has caused undue unnecessary physical and emotional distress. The dates that I contacted XXXX XXXX XXXX and was promised resolution of this account are as follows : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. I was also sent an email on XX/XX/XXXX by XXXX XXXX XXXX XXXX escalations acknowledging that the billing amount submitted to collections was incorrect.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I c systems is contacting me for a debt that is no longer with Ic systems the debt now has been transferred to XXXX XXXX XXXX I have asked Ic Systems to stop calling me more than once I asked that they only contact me through the mail only the debt is no longer Ic IC systems debt please stop contacting me please
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have received several Hard inquiries last year. I am very upset. I was VERY clear with them. they can feel free to pre-qualify me for the loan, give me their rate, and do a soft inquiry. for some reason they felt the needed to hard inquire me. Pre-qualifications for mortgages shouldn't be hard inquiries. I haven't even signed a loan agreement with them. 


Cbcinnovis XXXX XXXX/XXXX  XXXX/XXXX The only banks authorized them to do what they needed were XXXX XXXX XXXX and XXXX XXXX.
Complaint sub-issue: Account status

I have worked with the company and have paid this account in full. This must be removed from my credit report. I have called equifax multiple times to have this removed.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Bloomingdale 's claimed in a prior CFPB complaint XXXX that the billing matter has been resolved and taken care of. Of course, this is further from the truth, the letter was dated XX/XX/2020, ten days later, I never received a supposed letter they referenced, nor has the amount been placed on the promotional plan as mentioned in the response letter. Placed order on Bloomingdale 's website dated XX/XX/2020 under order number XXXX, the item was solely for a watch, in the amount of {$590.00}. The purchase meets the threshold by the merchant to qualify under the 12 months no interest plan, provided you pay the balance in full during this period. Please have this balance transferred to under this plan.
Complaint sub-issue: Not given enough info to verify debt

I have a a unverified account from AFNI. I had previously disputed this account. I have never done business with I have a a unverified account from. I had previously disputed this account. I have never done business with AFNI. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt AFNI purport I owe. I request that AFNI Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account # XXXX
Complaint sub-issue: Company closed your account

Citi closed down 4 different credit card accounts on XX/XX/2018, and confiscated more thatn 130,000 points and {$55.00} in XXXX cash I was owed from using the cards during the last 5 or more years. Citi did not provide me an explanation for closing of all the cards and did not provide me the capability to cash out my points. 

As a result, I would like to have a judge adjudicate on this matter. I would like from Citi corporate to provide the correct mailing address whereby I can serve them with the necessary paperwork. 

The mailing address has to be a XXXX California based mailing address as that is where I agreed on the cardholder agreement.
Complaint sub-issue: Personal information incorrect

Equifax has carried the name 'XXXX XXXX on my account and the as the primary name associated with my SS # since at least 1992. I have tried repeatedly to have Equifax delete this name from my credit report, and they continue to not delete this erroneous name. 
Not so incidentally, all the other credit bureaus have my name correctly and do not carry the erroneous name anywhere! 
CREDIT REPORT XXXX XXXX Report Confirmation XXXX Dear XXXX XXXX : Thank you for requesting your Equifax credit report. Your credit report contains information received primarily from companies which have granted you credit. Great care has been taken to report this information correctly. Please help us in achieving even greater accuracy by reviewing all of the enclosed material carefully. 
If there are items you believe to be incorrect, you may Initiate an investigation request via the Internet 24 hours a day, 7 days a week at : www.investigate.equifax.com
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2020, I received a notification from Citibank that my dispute of {$1400.00} for a charge on XX/XX/2020, for airline tickets on XXXX XXXX, was closed as the airline was offering a travel voucher for future travel, which is not allowed as per United States Department of Transportation ( USDOT ) rules and regulations, which require an airline to offer a cash refund for cancelled flights originating in the United States. I have enclosed my correspondence with Citibank, which took the merchants position that I am not entitled to a cash refund in violation of the USDOT rules and regulations. When I followed-up with Citibank in XX/XX/2020, and received a letter back dated XX/XX/2020 stating that I no longer have any recourse, and they have no options available to assist me, even though XXXX XXXX response back to Citibank was not truthful, and made numerous false accusations, which Citibank ignored.