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

Equifax poor reporting practices. They are still reporting fraudulent information of my credit report. I sent each credit reporting agency the same information and the other bureaus delete it but Equifax still reports it. My credit report clearly demonstrate that information appearing on my credit report is inaccurate and is damaging my character, credibility and ability to obtain credit. 

Fraudulent amounts : {$14000.00}, {$13000.00}, {$4200.00}, {$17000.00}
Complaint sub-issue: Reporting company used your report improperly

I have some fraudulent accounts on my credit report that I did not authorize and the Credit Reporting Agencies are violation my consumer rights according to the Fair Credit Reporting Act. 15 U.S.Code 1681 ( 1 ) ( 2 ) - CRA 's need written instruction to make a consumer report by the consumer. It is a fact that I the " consumer '' never gave the credit reporting agency any written permission to furnish a consumer report. Without my written consent the consumer reporting agency is committing fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition identity theft is being committed. 15 U.S.Code 1681-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information about a consumer if the person knows or has reasonable cause to be inaccurate. I the " consumer '' disputed the fraudulent accounts on my credit report and I have made it clear that this information is is inaccurate.The credit reporting agency proceeds to furnish this information without any lawful authority and is violating my consumer rights granted by the constitution. If my issue is not resolved I will seek remedy and will move forward in the court of law.
Complaint sub-issue: Their investigation did not fix an error on your report

I summit an inquiry dispute from XXXX with equifax on XXXX, i stated on my dispute that i want to remove inquiry from XXXX because i never apply for credit or even give my social, equifax disputed all my account on my credit and even when i noticed the remarks i contact equifax and tell them they disputed wrong accounts they told me they can cancel dispute after that XXXX  credit card account was closed and removed from my credit {$9600.00} limit XXXX balance and XXXX {$1000.00} limit XXXX balance closed and removed from my credit, my credit score went down more than 25 points, open accounts from 11 to 9 and credit limit from almost 30k to XXXX, i call equifax they dont resolve nothing this coat me time money, etc
Complaint sub-issue: Information belongs to someone else

XXXX  XXXX XXXX REQUESTED ON XX/XX/2020, XX/XX/2020 XXXX  XXXX  XXXX VIA XXXX XXXX REQUESTED XX/XX/2020 HXXXX XXXX XXXXL VIA XXXX XXXX XXXX REQUESTED XX/XX/2020 I HAVE NEVER DONE BUSINESS WITH THE COMPANIES LISTED ABOVE, DIRECTLY NOR INDIRECTLY .I LIVE IN FLORIDA WHICH I IS REFLECTED ON MY 2 CREDIT REPORTS ( WHICH XXXX  WOULD NOT LET ME REQUEST ) ACCOUNT HOWEVER I AM NOT AWARE I HAVE MADE A COMPLAINT AND I WILL BE CALLING DIRECTLY IT WAS PREVENTING ME FROM GETTING PROPER HOUSING. MY NAME IS XXXX XXXX PLEASE REMOVE ALL THE MIS SPELLING XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX unknown
Complaint sub-issue: Used obscene, profane, or other abusive language

This company Contacted me by letter on XXXX and I have no knowledge to this account whatsoever. I called the company the very same day XXXX and told them that this was not mine. This company also called me today on XXXX/XXXX/XXXX. And also they have called me several times before way after the hours of XXXX at night. This is so wrong on so many levels. They demand every single time {$3200.00} and use some very disturbing language with me.
Complaint sub-issue: Information belongs to someone else

I've disputed accounts that were opened via identity theft with servicer between 3 to 5 times and they keep verifying the information is correct. I've told them to block the information also but they refused to do so. Their response was my dispute isn't valid, because I didn't identify the account I wan to be disputed/erased. I took all the necessary steps to remove the tradelines off of my report. 

They refuse to block info that I'm telling them is result of Identity theft
Complaint sub-issue: Information belongs to someone else

Wow, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

COVID-19 has really messed me up
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

My wife and I have been experiencing unforeseen hardships due to the Covid-19 Pandemic. We have 2 credit cards with CitiBank , N.A . who refuse to take our late and missed payments off of our credit bureau. The same company also refuse to work out a fore-bearence plan until we are able to start making regular payments again. Our credit was in the low 700 's before the pandemic started, now it is barely above 500. I have called and spoke with representatives from both companies, citibank for Home Depot consumer credit card and my Home Depot Commercial Revolving account. Both account max balances have also been lowered, so even if I had work, I wouldn't be able to charge materials to my account because all my balances are maxed. Citi bank phone : XXXX XXXX XXXX XXXX, I spoke to XXXX first and then she transferred me to XXXX. Both agents were nice enough but stated that they were not able to report anything other than what the account shows and that I was not available for any more " treatments '' due to the Covid-19. I was told that I had to pay {$1300.00} by XXXX XXXX, 2020, or my account would be forcibly closed and that it would reflect on my credit bureau as well. if you go to this citibank website you can see that there are many people out there with the same problem. https : //blog.citigroup.com/2020/05/working-together-to-fight-hunger-during-covid-19/
Complaint sub-issue: Public record information inaccurate

There are chapter 13 bankruptcies on my credit and two accounts that do not belong to me I have contacted the court regarding this they are saying this is not verifiable and these are not mine that is why I am calling the courts trying to see what is going on. I have been writing to XXXX XXXX and Equifax regarding these and there has been nothing happening this has been a year and a half. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : U.S. XXXX  XXXX Account Number : XXXX
Complaint sub-issue: Funds not received from closed account

In response to a splash invitation when I was online with citi.com, on XX/XX/XXXX, I opened a Citi XXXX XXXX. However, because of an erroneous fraud suspicion on their part, Citi closed my account after a few days, and froze over {$91000.00} that I had on deposit, and sent me a lame letter ( dated XX/XX/XXXX ) with very little information about why this action was taken and when I would get my money back. When I tried several times calling Citi customer service lines ( including the number listed on the letter ), I was given patronizing evasive answers with only the information that a check would be sent to me within 30 to 60 days. When I elevated the complaint to a supervisor, the supervisor told me a different department was handling the matter, and gave me the same number to call that I had already tried. 

On XX/XX/XXXX, I filed a complaint with CFPB ( XXXX ). Citi responded with an email on XX/XX/XXXX. Because Citi responded, CFPB closed the complaint. But Citi 's email did not refund my $ XXXX nor resolve the issue. Instead, in order to consider expediting my claim, Citi requested more info from me ( statements from the source fund banks from which I had transferred the funds for my new Citi account ). I emailed Citi the requested scans of my funding accounts on XX/XX/XXXX, and received a confirmation from Citi that the scans were received. 

Instead of expediting my claim, Citi used my cooperation as an excuse to reset their response timetable, because when I called after a few weeks to request an update on my case, the representative reported that Citi was now reviewing the scans I had emailed, and would respond within 30 to 60 days. 

According to the original letter received from Citi dated XX/XX/XXXX, my funds were promised to be returned to me within 30 to 60 days. But I still have not received the refund. 

In summary, Citi baited me to open a new account, promising an opening bonus ( XX/XX/XXXX ). But, for no reason, Citi closed the account, citing their right to close my account for no reason ( XX/XX/XXXX ). If my funds had been returned immediately, I would not have complained, as I need the money for a house purchase in process. 
But Citi froze my funds, promising to mail a refund check in 30 to 60 days, but refusing to answer my legitimate questions and demand for an immediate refund. Only after my complaint to CFPB ( XX/XX/XXXX ), did Citi give some response, but rather than giving me a refund, Citi just demanded more documentation from me ( XXXX ), which I provided ( XX/XX/XXXX ). But now, after I inquired about an update from Citi on XX/XX/XXXX and XX/XX/XXXX, Citi is just continuing to further temporalize.
Complaint sub-issue: Trouble with how payments are being handled

I am pursuing the public service loan forgiveness program for my school loans through XXXX XXXX and they have not counted years of payments. I continue to call to verify the payment recount but they can not provide any update or estimate. In order to complete the program they must count all the appropriate payments made to verify the number of remaining payments. 

I was informed there are terms when more information is needed to count payments and it will be in review again. 

XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 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 a account without my written instructions
Complaint sub-issue: Information belongs to someone else

I have been a victim of identity theft back in XX/XX/XXXX, and  someone opened a XXXX XXXX XXXX XXXX XXXX  Account in my name fraudulently. I have disputed this account with Equifax numerous of times and they still have not blocked/removed this account from my credit report. They did one time inXX/XX/XXXX but reappeared back on my Equifax credit file in XX/XX/XXXX. I am very upset because Equifax is violating the FCRA of reporting fraudulent information on my credit report. I have given them a police report, an identity theft affidavit proof of identity documents. Also, XXXX XXXX XXXX XXXX XXXX keep verifying this account as accurate, which I am filing a complaint against them as well. I am very dissatisfied with Equifax because they are not taking this matter serious, and it is affecting my credit score rating with Equifax, which is hindering me from obtain credit with favorable interest rate. Please have Equifax to remove/block the XXXX XXXX XXXX XXXX XXXX (  Charged-Off ) account ending in XXXX from my Equifax credit file.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I have been working with Discover card for almost a year in which some tickets purchased on XXXX were charged to my discover card. I originally tried calling XXXX at the phone number referenced on my discover statement but due to the pandemic, there were no customer service agents working so they do not allow u to talk to a live person. I tried messaging XXXX to no response. Therefore, I filled a fraud dispute with discover card and three times I called and spoke to representatives. They provided me documents from XXXX that indicated the tickets were emailed to an email address that wasnt mine and the charges were made by an electronic device that was in another state that I have never been to. Discover card had put the charges on my account and reversed them 3 times as we went back and forth. They first agreed then put the charges back in my account each time discover did not notify me why the charges were put back on my account. I had to call discover and have them send me and tell me why the charges were put back on my account. Honestly, I think they wanted me to not notice or get frustrated and just pay the charges. The last time they put the charges back in my account, I called customer service and was on hold for 45 mins and transferred to 3 different customer service agents and when the last one I was connected to she said hi and then hung up. So I called discover back and then was on hold for 1 hour and 5 mins before I was connected to customer service and she told me that Discover had concluded their investigation and sided with XXXX. She couldnt give me any other details or information about what had chances since I talked to them last time. Honesty this is just a sign of big business being big business. They wanted me to give up and get frustrated and just pay the charges..this is what I get for being a tax paying good citizen. All is forgotten that my hard earned tax money helped bail these companies out in 2008. No justice for the little guy.
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted Equifax in regards to an account that appears on my credit report that doesnt provide any details. It doesnt say who is reporting or an account number. I called them and they refused to give me information about this account.
Complaint sub-issue: Other problem getting your report or credit score

Account Name : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/2019 Amount : {$32000.00} Account Type : Charge Off This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Complaint sub-issue: Received bad information about your loan

In XX/XX/XXXX I attended XXXX university, now XXXX for one quarter from XX/XX/XXXX to XX/XX/XXXX. I was awarded 2 private student loans in the amount of XXXX and XXXX for the year. However, only XXXX and XXXX was disbursed, the remainder of the loans was cancelled. The loan was serviced by XXXX XXXX / XXXX XXXX  later sold to XXXX XXXX. XXXX XXXX reports the full amount of each loan on my credit report under their name with false originating dates, I have not been able to contact anyone from their companies. The loan was then sold to XXXX upon logging into navients website I obtained loan history showing payments of XXXX, they also are reporting to bureaus that the loans were late, incorrect amounts and dates. The loans again were sold to ECMC in XX/XX/XXXX I was then garnished via wages and tax offset in the amount of XXXX. They also show negative marks on my credit report for the same loan, some late payments overlapping each other on different lenders for the same debt ( which wasnt even the correct debt. ) I have contacted both ecmc and XXXX   requesting documentation of payments etc. I had to acquire them myself on their website, they also refused to help correct my credit report errors and advised me to call the bureaus directly. I paid a total of XXXX ( to my rough calculations ) to 2 of the 3 lenders that had these 2 loans. Now I understand interest accumulates, but I never had any correspondence advising of the new debt holders, I had been in deferment for some time as well.
Complaint sub-issue: Reporting company used your report improperly

in accordance to the Fair Credit Report Act Companies/creditors listed below has violated my rights.

15 U.S.C. 1681 section 602 states I the consumer have a right to privacy.

15 U.S.C. 1681 SECTION 602 SECTION A 2 : Also states consumer reporting agency can not furnish a account with out my written instructions. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

My personal information was stored by Equifax in an insecure manner. They have now alerted me to the fact that this led my information ( name, SSN, birthday, etc. ) to be stolen on X/X/17. I now must proceed assuming that this information is public due to the negligence of Equifax.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

A Cease and Desist and Validation request was sent via Certified Mail. The request was made withing 30 days. Vendor refused the letter and sent it back unopened.
Complaint sub-issue: Their investigation did not fix an error on your report

ENCLOSED IS A COPY OF MY CORRESPONDENCE SUPPORTING MY POSITION IN ADDITION I AM ENCLOSING A COPY OF SECTION 623 ( A ) ( 6 ) OF THE FAIR CREDIT REPORTING ACT ( FCRA ) WHICH DETAIL YOUR RESPONSIBILITIES AS AN INFORMATION FURNISHER TO CONSUMER REPORTING AGENCIES IN RESPONSE TO THE INACCURATE ITEMS BEING REPORTED I AM PROVIDING
Complaint sub-issue: Public record

Civil judgement and eviction has been removed from all XXXX credit bureaus, but 3rd party agencies ( i.e. LexisNexis, XXXX, XXXX, XXXX, XXXX/XXXX, etc ) are still reporting it. The creditor is showing up under XXXX ( XXXX/XXXX ). This is making it very hard to be able to rent anywhere else.
Complaint sub-issue: Information belongs to someone else

The accounts on my report that are listed are not my accounts
Complaint sub-issue: Unable to open an account

An account was open in my name at Keybank in the State of Ohio without my knowledge. I found out about it while traitors open a bank account. 

It is NOT on my XXXX report but it is being reported on XXXX XXXX  reports. 

I have contacted XXXX XXXX and Keybank to no response of removal. 

XXXX XXXX  however provided these information to me. 

Key Bank ABA Number : XXXX Account number : XXXX
Complaint sub-issue: Debt was result of identity theft

Someone stole my identity to open a cell phone account with XXXX XXXX starting in year 2020 ( a/c # XXXX ) with an outstanding amount of {$500.00} Collection Company I.C. System, Inc ( XXXX ) XXXX Reference # XXXX ContactedI.C. System, Inc collection company to clear the collection.
Complaint sub-issue: Problem with fees

I recently signed up for the Best Buy Credit card, which is a revolving credit card handled by Citigroup, or a part of Citigroup. The terms included 18 months at 0 % interest for my purchase. On around XX/XX/2019, I set up an ACH ( electronic payment ) on Citi 's website to pay the bill and scheduled the payment to occur on the due date ( XX/XX/2019 - in this case ). The payment was {$110.00}, which was above the minimum amount of {$47.00}. As mentioned, the payment was set up to be paid on the credit card 's due date using Citi 's own website. However, on XX/XX/2019, I was charged a late fee of {$28.00}. Again, this should not have occured because the ACH payment was set up to occur on XX/XX/2019. On XX/XX/2019, I called Citi 's service department and they stated I did not schedule the payment to be paid on the due date but would credit my account the {$28.00}. In addition, they stated that I should allow 2 business days for the credit to occur. As of XXXX CST on XX/XX/2019 ( 3 business days later ), I have not received the {$28.00} credit. I believe that this may be an intentional practice by the Citi retail services group ( i.e. payments scheduled by consumers on time, or the due date, yet the company charges late fees ) and wanted to bring it to your attention.
Complaint sub-issue: Debt is not yours

Since XX/XX/2018, I have been called incessantly and at all hours by various representatives of Alliance One Receivables Management. I do NOT owe them nor anyone they claim to represent ANY balance whatsoever!
Complaint sub-issue: Unexpected increase in interest rate

I have a credit card ( VISA ) from Elan, which was issued by the XXXX XXXX XXXX in XXXX, TX. The card always had an interest rate of 9.90 %. On XX/XX/19, I made a purchase of {$5000.00} and one for {$61.00}. I would not have used this card if I thought it had a high interest rate. I was not charged interest in XX/XX/XXXX, but the recent statement had my " purchase '' under a 16.49 % interest rate. I was never informed about the rate change. I called, and after getting nowhere with a representative, asked for a supervisor. He could not explain to me what happened to the 9.90 % rate ( which is still shown on my statements XXXX, and was unwilling to make any adjustments. Under the high rate, the interest amount for just two months is {$140.00}. Again, there was never any notice from Elan about rates going higher.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX is sending harassing letter told not to contact back in 2017 per XXXX! Also sent letters to Credit Agencies and Creditors but still negative reporting and having third party contacting me for a debt no longer owed or under contact since 2017!
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the XXXX XXXX XXXX and I also have enclosed copies of the XXXX XXXX XXXX  Identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Trouble with how payments are being handled

On XX/XX/2022 before my loan was taken over by XXXX, I made a payment of {$24000.00} to Fedloan Servicing. This payment cleared my XXXX checking account on XX/XX/2022 and was not applied to my loan prior to my account being sent to XXXX. I have spoken to Fedloan Servicing on numerous occasions, including their service recovery team ( XXXX ID # XXXX and XXXX ID # XXXX ) and was told numerous times it would take 30 days from XX/XX/XXXX for the payment to clear and be sent to XXXX. My last conversation with XXXX on XX/XX/2022, 60 days since my payment, I was told the payment had cleared already and XXXX should have applied it. XXXX has not received this payment and Fedloan is going out of business come XX/XX/2022 with my nearly $ XXXX magically still missing. This is a lot of money to be in limbo/missing, especially for an XXXX XXXX Military Family and I request you immediately contact Fedloan and XXXX to have my $ XXXX payment refunded to me or added to my XXXX account. I have proof of payment from my checking account ( see XX/XX/XXXX ), the final billing statement from Fedloan on XX/XX/2022, and the most current billing statement from XXXX for XXXX. These documents show what the balance was prior to my payment on XX/XX/XXXX, when my payment was posted on XX/XX/XXXX and the current balance is with XXXX. Please reach out to me via email or phone below to send you any documentation or for additional information. Your help in this matter is greatly appreciated as Fedloan has been very shady during this entire time, XXXX is absolutely no help and doesn't return my calls or messages, and the last thing I want to do is involve a lawyer and my congressional members. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX