Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Funds not handled or disbursed as instructed

My Citibank account was hacked into. I was never notified of any changes to my number on my account and they released a wire transfer of thousands of dollars to the fraudster. They will not issue me a temporary refund while the investigation is going on. They let my entire bank get wiped clean because of negligence and it left me and my children with not a dollar.
Complaint sub-issue: Was not notified of investigation status or results

In accordance with the Fair Credit Reporting act XXXX XXXX # Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX, XX/XX/XXXX, XXXX CREDIT & VERIFICATION, XX/XX/XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXXXXXX XXXX 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 an account without my written instructions
Complaint sub-issue: Their investigation did not fix an error on your report

Around XX/XX/XXXX I filed a 2nd Compliant ( # XXXX ) with CFPB and the North Carolina Attorney General 's Office Division of Consumer Protection against Equifax for improperly reporting a XXXX Bankruptcy on my Consumer Credit file. Equifax ( as attached ) " verified '' and that they were provided this information by 3rd Part vendor XXXX XXXX. However I included with both prior complaints a letter from XXXX XXXX dated XX/XX/XXXX along with a 2nd letter also from XXXX XXXX dated XX/XX/XXXX both clearly stating in writing that the bankruptcy previously reported by them from XXXX Case XXXX was reported in error on their part and has been removed from all XXXX XXXX reports and reporting effective XX/XX/XXXX and copies of both are attached. On XX/XX/XXXX Equifax provided to me in writing that on that date they had " verified '' the XXXX Bankruptcy case XXXX using ( again ) 3rd Party provider XXXX XXXX. Therefore that alleged verification is not true and inaccurate as the letters dated XX/XX/XXXX and XXXX/XXXX/XXXX directly from XXXX XXXX show. Therefore this XXXX Bankruptcy XXXX is being reported on my personal credit report illegally and MUST be removed as per Federal Law. However, Equifax refuses to " reinvestigate '' and remove this incorrect reporting. 

In addition on XXXX I obtained my complete 102 page XXXX XXXX report. In that report as they will see it clearly show NO bankruptcy in XXXX Case XXXX. It only shows closed cases in XXXX and XXXX ( attached copy ) that have since legally aged off of my credit reports as they should have and have been removed by all Credit reporting agencies. 

In addition I also disputed this same case on the same grounds with XXXX and in their investigation they admitted it was reporting wrong and removed it from their credit file on XX/XX/XXXX as Equifax should have also done.
Complaint sub-issue: Their investigation did not fix an error on your report

I noticed that there a inquires on my credit report that I did not authorize. I have never applied to these companies and have not given verbal or written authorization for anyone to review my credit report. I have completed a police report & identity theft report and I want these things deleted. I notified Equifax about this months ago and they have not done anything at all. I am attaching the documents in hopes that you can help me get these things gone from my report.
Complaint sub-issue: Information belongs to someone else

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX Equifax : XXXX XXXX : XXXX. XXXX XXXX  Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX  Equifax:XXXX XXXX : XXXX XXXX : XXXX XXXX  Equifax : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX   Equifax : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX Equifax : XXXX   XXXX : XXXX XXXX : XXXX , XXXX Equifax : XXXX  XXXX  : XXXX XXXX  : XXXX XXXX XXXX XXXX   Equifax : XXXX XXXX  : XXXX XXXX : XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX  Equifax:XXXX XXXX : XXXX XXXX XXXX : XXXX , XXXX XXXX XXXX XXXX   Equifax : XXXX XXXX XXXX XXXX  Equifax : XXXX XXXX : XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

What I find disturbing is that equifax put my personal information security at risk back in XXXX XXXX when I first began challenging fraudulent accounts on my credit report ; XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and I wasnt notified until last month when it made the news. Since XXXX I have been challenging equifax however they continue to ignore my requests of validation however what they continue to say is we call to match up name, address, and SSN. Thats it. Merely calling to match up numbers doesnt prove that an account it valid. It is clear that equifax continues to allow their vendors to place false trade lines on poor consumers, like me, credit reports thus destroying my credit worthiness thus making it harder for me to get credit. Ive gone back and forth with equifax trying to resolve this issue however they refuse to follow the guidelines set forth via the FCRA. It now seems as if they KNOWINGLY ignore consumers rights. Equifax breech has compromised my name, address, and SSN YET this is the SAME EXACT information someone needs to place their tradeline on my credit. The same information that was leaked is the SAME information someone needs to place something on my credit which is also THE SAME information you call and verify instead actually providing documented validated proof. I dont understand how you leak my information yet continue to compromise it by allowing fraudulent unverified accounts to remain on my credit. At this point I am ready and willing to seek legal representation in order to protect myself from equifax and their practices if after 15 days these two accounts remain on my credit.
Complaint sub-issue: Fraudulent loan

I was promised by XXXX XXXX sell representative, immediate hire after completion of training. I was not hired and I didnt not receive any help for jobs interviews like they XXXX XXXX promised. I was also not given a certificate of completion to be able to show at interviews. Not one of the the students that attended with me during that time received certificate or got hired as a medical assistant. I have informed Nelnet several times about this fraud and according the Neltnet there is nothing to be done. 

This happened in 2005 my total amount owed to Nelnet is {$10000.00} that I have not been able to pay.
Complaint sub-issue: Investigation took more than 30 days

I submitted written requests to verify the accuracy of 4 accounts listed on my credit report. Specifically, to provide original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ).

I have filed 5 requests with 45 days in between to allow for processing Starting in XX/XX/XXXX and was never provided the documentation requested.

I then called today (XX/XX/XXXX ) and spoke to three different people who verified the do not have the required documentation but also do not plan on doing anything about this as required under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Complaint sub-issue: Deposits and withdrawals

I need send money for emergency but i can't
Complaint sub-issue: Account status incorrect

Equifax and XXXX are incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item 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: Credit card company isn't resolving a dispute about a purchase on your statement

I rented a car because my car broke down. 
I started renting from XXXX in XXXX, Texas on XX/XX/2021 and ended on XXXX XXXX. I was paying every week {$300.00} dollars from Wednesday to Wednesday. using my Discover Card. I made multiple payments to Discover during this same time. The problem is that XXXX charged my card {$1500.00} at the end of my car rental. They never disclosed this practice to me. I was told that they were charging my card weekly {$30000.00} dollars. So I feel let down and duped by XXXX XXXX XXXX and Discover who just took my available credit of {$1200.00} and accepted this last charge of {$1500.00} and left me with a huge balance and no available credit in case of emergencies. 

Please help me! 

Sincerely, XXXX XXXX
Complaint sub-issue: Didn't receive terms that were advertised

Citibank is refusing to honor its offer of XXXX XXXX XXXX miles in return for opening a new account, paying online bills on the account, and using the account 's debit card to make a certain amount of purchases. I fully complied with the terms of the offer, yet Citibank is refusing to give me any of the miles it owes me. 

In XXXX or XXXX of last year, I received in the mail a brochure offering XXXX Aadvantage miles if I opened a Citi Priority Account package of {$50000.00} or more, spent {$750.00} on purchases with the account 's debit cards within 60 days, and made a qualifying bill payment for two consecutive months within the same 60-day period. On XX/XX/XXXX, I opened the account package at the Citibank branch at XXXX XXXX XXXX in Washington, DC. I presented the brochure to bank officer XXXX at the branch and he assured me that I would get the XXXX miles if I opened the account and fulfilled the rest of the terms with the debit card purchases and the bill payments. He added that IN ADDITION to the airline miles, I would receive a {$600.00} bonus for opening the account package. 

I opened the account package, and made the debit card purchases and bill payments within the 60 days. On several calls to Citibank 's national office, company officials confirmed I had complied with all the terms and would soon be receiving the miles. Yet I kept checking my Aadvantage account and seeing that the miles hadn't been added. Finally, when I called the national office in XXXX, the official suggested I talk to the branch manager at the location where I opened the account, and that's what I did. 

Yet when I talked to the branch manager, XXXX XXXX, she told me something completely different from everything I had been promised by XXXX and the officials on the phone. She said that because I received the {$600.00} bonus, I would not be receiving the XXXX miles. I told her that XXXX assured me I would receive both the miles and the bonus when I opened the account, and she conceded I made a mistake. She said he was mistaken. She told me I may be able to still get the miles, but only if I forfeited the {$600.00}. 

This is not acceptable to me. Had I been offered the choice as either/or at the time, I would have chosen the miles. But now I find it extremely problematic to forfeit the {$600.00} after being promised both. First, I think companies like Citi should keep their word. Second, I've already budgeted the money. And third, I've already received a 1099 tax form for the {$600.00}, so I'm expected to pay taxes on money I would now have to give back. 

Please help me and other consumers by ensuring that Citibank keeps its word on its offers to consumers.
Complaint sub-issue: Problem with fees

On XXXX XXXX, XXXX, I was charged a late fee on my PNC credit card due to an automatic payment failure on the PNC 's part. Once I noticed the failure, I manually paid the balance on XXXX XXXX. I called PNC and talked to them about the error but they would not remove the late fee. I set up the automatic payment feature to avoid these types of issues and now due to their system failure, I have been charged {$25.00}. I am requesting my {$25.00} late fee be removed. Thank you.
Complaint sub-issue: Debt is not yours

I had a medical procedure and spoke with my Doctor 's office about payment. I had to have routine quarterly follow-up visits and the fees were submitted to my health insurance provider, then an invoice was generated and sent to my home for my payment of the balance due. Our agreement was always made with my Doctor, but I was told to make payment to  XXXX    XXXX    XXXX   XXXX . At one point in we received a bill from  XXXX   XXXX  and we were told that was our bill to pay and it was related. Every invoice we received was paid in full and on time. There was one payment that was made a few days late, but only a few days late and we believe that may have been due to the confusion with their billing. We have always taken pride in paying any bills due and we do not feel this medical collection fee is our responsibility and to have this blemish on our credit report is not fair or just. The collection that contacted us with no valid basis used strong-arm tactics and extremely rude individuals in a seemingly endless harassing manner.
Complaint sub-issue: Account information incorrect

Citicards refuses to delete unverified and inaccurate information on my credit report. I have disputed this account information as inaccurate with them several times, and they have come back to me and stated they were able to verify this debt. How is this possible?
Here is a clear case of unverified debt, and I urge you to remove this item before I am forced to take legal action.
Credit card companies are scammers targeting elders like myself that they perceive to be vulnerable -- those that are isolated, lonely, physically or mentally disabled, unfamiliar with handling their own finances.
Exploiting deceptive financial practices designed to confuse and pressure seniors in order to hustle them out of money.
FCRA requires that all creditors are supposed to validate information before this information is added to your credit file.
The truth of the matter is the credit companies dont review any documents let alone keep a copy of your credit application in their files.
Citicards never provided me with any documents validating this account.
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA.
Complaint sub-issue: Their investigation did not fix an error on your report

I have tried to communicate with Equifax about their inaccurate reporting on a few of the accounts listed on my profile. The accounts just show letters and numbers. This does not show anything else about the company who is alleging I owe them a debt. Federal law states that it is the job of the consumer reporting agencies to provide the consumer with fair and accurate reports. How am I to know who my accuser is when Equifax will not provide the information I seek? This is unfair and inaccurate reporting.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting collection activity on an account that is past its statue of limitations and is time barred from credit reporting. This is a violation of my rights under the FCRA. XXXX and XXXX XXXX both have already removed this account. Equifax needs to remove this account from my credit file immediately.
Complaint sub-issue: No notice of investigation status/result

I am filing this complaint because Equifax has ignored my request to provide me with the documents their company has on file that was used to verify these accounts, under the Section 611 ( 5 ) ( A ) of the FCRA - they are required to '' ... Promply delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 u.s.c 1681 section 602 A. States that 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 instructions
Complaint sub-issue: Information belongs to someone else

These accounts was opened fraudulently : XXXX XXXX {$1200.00} XXXX XXXX- {$1000.00} XXXX  XXXX- {$690.00} XXXX XXXX {$610.00} I have never filed Bankruptcy and it's reporting on XXXX/Equifax that I have.
Complaint sub-issue: Account status incorrect

I paid my child support and was sent a termination letter to me and my employer. about 30 days later I received a phone call that they had found items they had missed and were sending another letter to my employer to take weekly payments. Nothing I could do, if they had not missed this I would have had it paid by now. Now they have put this on my credit report as a default loan! This is unfair to my credit report. I paid this off and was their fault they missed an attorney fee from 18 years ago. at least this should just show as XXXX loan not past due.
Complaint sub-issue: Their investigation did not fix an error on your report

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, XXXX, and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX  XXXX Balance Owed : {$270.00} ; XXXX XXXXXXXX Balance Owed : {$67.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$880.00} ; XXXX XXXX Balance Owed : {$0.00}
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX i ran my credit report to see what was on it. I noticed a few things that didn't look accurate so i sent the credit bureaus a letter requesting them to verify the info on my credit report and to remove the following accts if they couldn't. I am not saying that these accounts aren't mine, but they are NOT reporting accurately. I do not have ANY idea who the 4 collections are to say they are or are not mine, but there is NO creditor info or collection agency info for me to see and they refuse to update it so that i can tell. 

-4 collection accounts with NO creditor or collection agency name ( equifax report only ) I  got no reply with them except for the fact that they verified the information. There was no proof of verification on the accuracy of the accounts in question. On XX/XX/XXXX i sent another letter to them asking for the proof of the above mentioned accounts. I received the exact same updates. I sent another letter on XX/XX/XXXX demanding they remove since the account is still displaying incorrectly and they were unable to provide me the documents stating that it was correct. to date, there has been nothing.
Complaint sub-issue: Reporting company used your report improperly

hello I recent went looking to purchase a vehicle and told the dealerships that I would be getting financed through my credit union so I needed a bill of sale for that purpose. They asked for my information and proceeded to tell me that the have banks that would compete with my credit union for the financing. I declined next thing I know I check my credit report and there were XXXX inquiries on my report. This is fraud I did not tell them to run my credit and I wasn't even at the dealership wen these inquiries were taken place.I went XXXX XXXX dealerships and they all did the same thing. this has to be illegal. They should not be able to do this. I called the dealerships and complained and was told that they were trying to get me a better interest rate. I told them I was no longer interested in the vehicle and I gave them all bad reviews online and also filed a report and had to lock my credit report.
Complaint sub-issue: Billing problem

I recently purchased a new Audi vehicle and financed the purchase through Audi Financial Services. In order to pay my bill, I setup online access to pay my monthly bill through XXXX. I was successful in setting up my banking information and changing my monthly statements to paperless. 

I tried to make a payment on the XXXX website several times in XXXX of XXXX, but each time the Audi Financial Services Dashboard would not load on their MyAudi site. Clicking on the link to Audi Financial Services Dashboard results in a spinning red circle for a moment, or an error message. I contacted their support line and did a ton of web browser troubleshooting across three computers, but could not get their website to load correctly. Support could also not assist with enrolling me in automatic payments or re-enabling my paper statements- Two actions that can only be done via the XXXX website. 

I have tried several times between XX/XX/XXXX and now XX/XX/XXXX to get the website to function correctly. I have called Audi Financial Services support, I have contacted Audi 's General Customer support, I have XXXX to the brand accounts several times - no one is interested in fixing this broken website. I can see several other people on XXXX have made the same complaint, leaving them unable to get their statements, make a one-time payment online, or make changes to their autopay preferences.
Complaint sub-issue: Information belongs to someone else

I have submitted an identity theft report to the credit bureaus and to the U.S Department of Education Office if Inspector General. My identity got stolen and the student loans listed in the attached identity theft reports do NOT belong to me and I did not receive any benefits from the accounts!
Complaint sub-issue: No notice of investigation status/result

I have been contacting Equifax since XXXX XXXX, 2016 to have a credit inquiry deleted. XXXX XXXX and myself have contacted Equifax numerous times to have the inquiry deleted. Equifax refuses to delete the inquiry despite having received all of the necessary paper work and electronic requests. It has been more than 30 days and I also have not received a response to Equifax regarding my first intial request for deletion.
Complaint sub-issue: Problem with personal statement of dispute

I put a dispute in on XX/XX/2022 about information on my credit report about a bankruptcy stating the verifiable with the Bankruptcy courts. I contact the United States Bankruptcy Court XXXX XXXX of Georgia stating the Bankruptcy can not communicate with Credit reporting agencies. Bankruptcy court letter included in this complaint.