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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I appreciate you if you taking the time to CORRECT some of the information in my credit file ; however, there are still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ).

as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I hope this disputed account is updated. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX Open Date XX/XX/2015 Balance : {$0.00}.
Complaint sub-issue: Information belongs to someone else

My credit is being negatively impacted by this reporting that I do not recognize. I was notified few years ago my XXXX for an unpaid electricity bill. The account belonged to my ex-wife and the problem was resolved long ago. It appears that she never took care of it and the company is harmfully harassing me. 

I called the collection company and informed them that this information is wrong and harmful. They never cared about what I said and the report is damaging my credit. I work too hard to be harmed this way. 

This information needs to be completely removed and my credit repaid immediately.
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. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Date opened XX/XX/2018 Balance : $ XXXX
Complaint sub-issue: Problem with statement of dispute

This is not the first time I have filed this complaint with you concerning this matter. Information From XXXX that should have been removed off my credit report since XXXX XXXX. I missed XXXX loan payments XXXX XXXX thru XXXX XXXX my loan was modified XXXX XXXX have never missed a payment since modification. XXXX sold/transferred my loan 4 years later XXXX XXXX to XXXX my current lender. Equifax was contact by me several times. Their answer was that when my loan was sold/transferred to XXXX on XXXX XXXX. I must count 7 years from the sold/transfer date and not the date the account first became delinquent which was XXXX XXXX they will remove late payment off my credit report XXXX. This means I would be carring this negative information for 11 years. I have search high and low and can not find anywhere that this is the law concerning sold/tranferred loans. If my loan is sold/transferred tomorrow does this mean I start over again the seven years? I would like for this to be removed it is over due. A new credit report to show removal.
Complaint sub-issue: Information belongs to someone else

My credit report shows inaccurate and unverified inquiries from multiple sources. I have reported the issue to Equifax on XX/XX/2021 via phone and XX/XX/2021 via certified mail. Equifax has not validated the inquiries and/or removed them. Equifax is violation of the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), by not providing complete and accurate reporting at the request of the consumer.
Complaint sub-issue: Can't close your account

I banked with simple.com which was purchased by PNC Bank. I tried to close the account but was not able to close it to due to long wait times. The account transferred from Simple to PNB Bank with an account balance of {$0.00} On XXXX XX/XX/2021, I received a collection notice for {$32.00} for monthly fees that Simple didn't charge. I tried calling the number on the letter which said the system did recognize the number and disconnected the call.
Complaint sub-issue: Application denied

On XX/XX/2023 we attempted to open a credit card account at Macys. We applied for a joint account under my name and my wifes name providing all required information to Macys. We were denied. After much trouble getting to the right person, we were told our application was denied because of lack of activity under my wifes name for credit reporting. Since we are retired and elderly, I do virtually all of the buying for our household and that explains the lack of activity under her name. However, we were still denied the account. We dont understand since we were applying for a joint account under both of our names and there is plenty of activity under my name. We have a credit reporting score of XXXX. We are filing this complaint, primarily to ensure no black marks show up on our credit report.
Complaint sub-issue: Reporting company used your report improperly

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 602 A. States, I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX EMPLOYER : XXXX XXXXXXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COLLECTIONS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SNAP ON 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 NAME : 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 ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiries 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 XXXXXX/XX/XXXX Collectins 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 Equifax EMPLOYER : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX Inquiries : XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX Collections : 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: Unable to receive car title or other problem after the loan is paid off

US Bank was the lienholder for our new XXXX. We traded the truck for an SUV. After the payoff was made to XXXX, they sent us a loan statement that our account was closed ; however, there was accrued interest which was not refunded.
Complaint sub-issue: Company closed your account

I had 2 Citibank credit cards. I was paying on them on time and never 30 past due. XXXX of the cards had $ XXXX balance and the other one has about {$1000.00}. 

I flip houses- and was getting ready to refinance the flip I incurred these bills on. During the flip - they closed the {$11000.00} one for NO GOOD REASON. I was paying on time. This tanked my credit score XXXX points. Now as I am trying to refinance my loan on this flip- they closed my other {$1000.00} one - and they were still getting their money before 30 day past due. This last closure- for no good reason tanked my credit score another XXXX points. 

I was in the middle of refinancing out of the construction loan to more favorable terms so I can pay my bills OFF and honor my debts when CITI closed my second acct - therefore I lost the refinance. All this EVEN WHEN IN GOOD FAITH I WAS PAYING MY BILLS ON TIME.. 

Now because I can not refinance - I might lose that house because of CITIBANK. 

Have I reached out to CITI? I have spent hours upon hours on the phone getting switched to this person and that, getting hung up on, filling out on line forms for help and answers- even setting up a face to face zoom with a so-called XXXX manager. I WAS ABLE TO SPEAK TO NO ONE. The face to face meeting I had set up never called me. 

I need answers regarding how this type of service ( or lack of ) can exist in the United States. I want to know how this company can indiscriminately close my accounts. Aren't there any protections for consumers? I also want my accounts reinstated and my credit fixed. I have suffered a great deal, to the point of not being able to feed my family to keep my credit rating intact and to pay my bills. I was getting ready to pay off those cards- and now due to their indiscriminate actions I may have to file bankruptcy.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, XXXX and Equifax in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ).

I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.
Complaint sub-issue: Debt is not yours

About a year ago I tried to get service with XXXX XXXX internet. When they came out and installed the service, I have to pay an {$200.00} install fee and get a box installed outside for their network card XXXX {$320.00} ). The internet did not work in my house, they sent out technicians on 2 seperate occassions trying to get the service to work but it didn't. I called to make sure they disconnected the service as I could not use it. I didn't receive my install fee back and now I have a box installed on the side of my house that I lost money on also. Everything was supposed to been taken care of with no worries. Then last week I get a collection for {$460.00} put on my credit report damaging my credit and also putting me at risk of losing my purchase of a house in the upcoming month. I do not owe them anything, i've called them on several occassions before this got on my credit report and was assured it would be taken care of. I talked to someone XX/XX/2020 saying that now they would take it off my credit report withing 3 business days and were we are 10 business days later. Companies are good at messing up but not correcting their mistakes ... and definitely not in a timely manner. I'm looking to get this fixed by any means necessary. If I lose out on my home purchase due to this collection that I shouldn't have on my report. I am getting a lawyer and suing for defamation of character. I am so tired of companies doing what they want to the consumer.
Complaint sub-issue: Reporting company used your report improperly

I XXXX XXXX NEVER GAVE XXXX, XXXX, EQUIFAX ANY WRITTEN CONSENT TO REPORT THIS INACCURATE ACCOUNT ON MY CREDIT REPORT. NO WRITTEN CONSENT IS IDENTITY THEFT. THEY ARE IN VIOLATION OF 15 USC 1681B UNDER FDCRA.
Complaint sub-issue: Information belongs to someone else

All fraudulent inquiries on my report that needs to be removed immediately and there was jo consent given to put them on my consumer report.
Complaint sub-issue: Debt is not yours

Repeated erroneous reporting of balances without providing 100 % accurate, verifiable information. 
Balance : {$1200.00} Balance : {$0.00} ( Payment Amount : {$680.00} )
Complaint sub-issue: Account information incorrect

My problem is with Equifax directly. I monitor my credit score weekly through XXXX XXXX. My credit score has continued to improve all the time with no negative activity in several years. My XXXX   and Equifax scores have continuously risen at about the same pace and have for several months to a year or more, and have, until recently, shown scores near 720. Suddenly, with no new negative activity, Equifax has dropped my score to XXXX with no explanation as to why. The red negative arrow shows a 30 point drop and its only reason shows my amount of available credit on ONE credit card. The monthly payments are always made and the balanace has continued to decrease. No new transactions have been made. XXXX  still shows my score at XXXX. There is no reason for the Equifax drop and it is nearly impossible to inquire about or dispute in an open discussion like this complaint form that Im currently writing on. 
Hopefully, there is something you can do about this as I want my score back. Thanks for any help you can provide.
Complaint sub-issue: Account status incorrect

There is multiple loans showing up on my account with many different balances as well showing that there is a lot of different creditors which is also duplicate charges that should not be showing on my account also they did take taxes which they stated that the payment was submitted to the department of education
Complaint sub-issue: Information belongs to someone else

I lost my wallet at the store a couple of years ago and I believe this is what is affecting me now. My identity has been used to open accounts I never authorized. Please help me and remove these fraudulent accounts from my report. They are not mine. 

XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$190.00}
Complaint sub-issue: Problem making or receiving payments

I had a wire transfer fraud. Money was taken out of my bank account without my permission. They had all my information, name, account number, passwords .... I made numerous attempts to reach out to the fraud department. At one point I was on hold for SEVEN hours to be told that I should look into the problem myself and try to investigate it on my own.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

ON XXXX XXXX I sent in a request to get some unknown Inquires off my credit report with Equifax . I have sent them the identity theft report showing the inquiries that I have no knowledge of they sent me a response on XX/XX/XXXX saying accurate when XXXX and XXXX removed the same Inquiries. here are the list of them XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX 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: Need information about your loan balance or loan terms

My loans were recently moved from XXXX to UNISA ( unisainc.com ). I was never notified of this change, I simply logged into my XXXX account one day and all information about my loan was gone. After contacting XXXX, they told me the loan was transferred to UNISA. 

After searching and failing to find what appeared to be a legitimate website for UNISA, I ended up getting a number from XXXX and called UNISA. The person answering the phone call was very unprofessional and said I must have been in the " recent '' loan moves, that 's why I did n't receive any notification ( the loan was apparently transferred over a month ago ). I was able to get an account number for the loan from the representative, which allowed me to create an account on the suspicious looking website https : //www.unisainc.comXXXX The website appears to be made in WordPress ( known for it 's many security vulnerabilities ) and did not provide the typical prompts one would expect from a legitimate loan servicer. Once registered I was able to review my loan balances and schedule a payment by entering my bank information. 

This was several days ago, I never received an email confirmation of my payment and after waiting and not seeing any change in my bank account, I attempted to log back into my account to view scheduled payments. 

After entering my credentials on the https : //www.unisainc.comXXXX XXXX, I  received an error message " Error. An error occurred while processing your request. '' with no option for a redirection. I attempted this several times with the same result. I also attempted a login with a known incorrect password and was unable to login, so I know that is not the issue. 

I am unable to view my account information now and the unprofessional design of the website and attitude of the representatives makes me concerned with the safety of my personal and financial information with this company. I also have no indications that they allowing me to make payments. 

A quick XXXX search of the company reveals numerous complaints and the lowest possible review star rating on XXXX for the company, showing I am not the only customer with these issues. I feel this should be investigated, especially for the many graduates like myself that had no choice or option who their loans and personal information would be transferred to and now have no control.
Complaint sub-issue: Can't use card to make purchases

This is a separate complaint regarding the same credit card for which I submitted a complaint ( # XXXX ) back on XX/XX/XXXX. Citicard called me back within one week and resolved the issue, so I decided to keep the card. 

I just tried using it today, XX/XX/XXXX, but it was declined. I called to find out why, and they informed me that my card account had been closed at my request on XX/XX/XXXX. I did not request my card to be closed subsequent to the account rep calling me to resolve the issue, which was several days prior to XX/XX/XXXX. 

Nor had I contacted the company since XX/XX/XXXX when I tried to activated my card, but then was told that I couldn't, which was what spurred my initial complaint. 

I am submitting a complaint because they could not re-open my account without me having to run through the entire account opening process again, including running credit checks and issuing me new cards, which would take over a week. This level of incompetence is ridiculous. I can not believe how difficult it has been to open a card account. And then only after I made a complaint to the CFPB, did they try in earnest to resolve the issue. And I even gave them a second chance to use their card, only to be told that my account was closed, and furthermore, if I want to continue using their card, I have to go through the account opening process again. 

I am shocked and disappointed that the regulators allow a company with this level of incompetence, disorganization, lack of communication within their organization, and most of all inability to simply open a basic credit card account to operate and offer such products to individuals, many of whom lack the knowledge of how card companies should operate unlike myself who used to work at one.
Complaint sub-issue: Problem with fees

I closed the credit card account and I was told that the annual fee will be eliminated as it has just been charged for the year. After a month or so, I received a bill showing that the fee was not taken out and my account was now past due. After contacting the bank again, I was ignored and I was told that I am responsible for paying the fee.
Complaint sub-issue: Other problem

On XX/XX/XXXX I lost my wallet and Citicard mastercard while out. I later learned that repeated fraudulent charges for an identical amount of around 200.00 were made on that card. I was not notified by Citi about the charges or the nature of the charges which should have been a red flag despite being enrolled in their protection program. I learned of the charges when requesting a new card. I disputed the charges at the same time. They were refunded to my account. 

Subsequently I have received repeated inquires from Citi regarding this dispute. In XX/XX/XXXX I  contacted the company and answered intrusive questions regarding the loss of my card and this inquiry. This is well after the 30 days that Citi has to close this matter out. 

Today, XX/XX/XXXX I received another inquiry for more personal identifying information which I will not be providing to Citi. They are well past the deadline for resolution and have crossed over into privacy based violations. I would like assistance in compelling them to close this matter out.