Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was result of identity theft

PLUS FOUR INC ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$0.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2014 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX to remove the following items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXXXXXX XXXX XXXX XXXX  XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC 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: Was not notified of investigation status or results

Equifax was hacked, and according to their website, my data may have been compromised. I 've tried calling them ( today, on X/X/2017 ), but have been unable to get through. They 've signed me up for a slot to apply for their one-year credit protection, but the hackers have data that could affect me for the rest of my life. One year is not long enough. Additionally, they discovered this hack in XX/XX/XXXX, and I 'm only hearing about it now in XX/XX/XXXX. This is all unacceptable, and this company needs to be held accountable.
Complaint sub-issue: Their investigation did not fix an error on your report

I had a loan with Quick Loans aka Dartmouth aka BF Financial in XXXX XXXX I Paid the loan early every month and paid it off 2 months early on XXXX XXXX. I then reported to XXXX and XXXX XXXX... they came back 4 times stating info ( a balance ) was correct and verified correct. I called BF in XXXX XXXX and was told by XXXX ( manager ) that it would be fixed by XX/XX/XXXX per her corporate office. It is still not fixed. I have submitted yet another inquiry through XXXX direct website and the XXXX link on XXXX XXXX, it is still not fixed.
Complaint sub-issue: Threatened or suggested your credit would be damaged

They called my work several times after being told no to do so. I work in XXXX XXXX XXXX, those phone calls are not allowed. I was told to not have them call again or else.They called relatives and friends to find out my location. I have elderly parents who get 2 to 3 calls a week from them.The amount owed is double the loan amount according to them. During a call to they suggested legal action was going to be taken, such as a court case with my local magistrate. They also left messages on voice mails stating that I was a debtor. I received several calls on Sunday, throughout the day, and from non business related numbers. I have disputed the debt with credit agencies and through their website. I have never gotten any accounting statement of the amount of the alleged debt.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX without 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 XXXX 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 XXXX  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
Complaint sub-issue: Public record information inaccurate

There are two concerns here. 

The first is due to all the selling and changing of accounts XXXX XXXX XXXX Changing of websites and things ending up in XXXX back in XXXX. The way i had my loan all set up for leaving town for an extended amount of time. 


I was unaware of the change at the time and i was in an extended forbearance. You can see my credit report supports this. I was without phone service most of the time and i surprisingly found out i was over two months late on a loan i was under the impression was in a forbearance. As you can see in the photos due to me registering to get electronic statements and applying for another forbearance ( which XXXX was very helpful with ) they said they could backdate my forbearance from XXXX to XX/XX/XXXX and would remove the late pays on my credit report. almost 6 years later i come to find out the 60 day late is still there and i was misled and i feel they should be deleted even if as a goodwill gesture. 
As you can see ive done what i can to keep this loan in good standing and I would hope that what i was told can be honored and the 60 day late pay can be removed from all 3 CRA. 


The other ISSUE is a bit tricky and complicated but at the heart of it beginning XXXX i started getting into the IBR program i had issues getting all the paperwork accepted and each time it would take and extra 30 to 60 days, Part of IBR is to get 3 years no interest tacked on. 
Ive had issues re certifying because of the time it takes and see it isnt as simple as 3 consecutive years with no interest. However since XXXX i have had 36 qualifying payments and i think they should be honored. The average monthly interest is {$50.00}. 
even if you calculate that from month one of XXXX taking over this loan XX/XX/XXXX that is roughly {$3600.00}. The balance started at {$14000.00} and is now today {$17000.00} a difference of {$3700.00} so ive been charged OVER the full amount of interest. with 3 years 36 months of qualifying ibr payments i feel the promised 3 years no interest should be honored which would be equal to {$1800.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

I notified Equifax, XXXX, and XXXX of the following collection : XXXX XXXX XXXX for {$250.00} not being validated. On XX/XX/18 I requested that the bureaus conduct an investigation and validate this account as I have been unsuccessful. Neither bureau has been successful in validating the collection but they all continue to report in as a " verified account ''.
Complaint sub-issue: Their investigation did not fix an error on your report

This complaint is regarding the investigation of my disputed submitted on XXXX XXXX. I disputed the account with Equifax, XXXX and XXXX. All three companies allowed XXXX to verify the reporting information as accurate. I requested that the credit bureaus send me the information used to verify the account along with the contact information for everyone involved in verifying the account, but did not receive the information. The information is not accurate. The open date is different with all three credit bureaus. Also, the open date is reporting as XX/XX/XXXX. However, there is no payment history reporting until the following year in XXXX when the account went negative. XXXX is the original creditor. Since they are reporting the account to the credit bureaus, they MUST report ALL information. The payment history is incomplete, which is a violation of the Fair Credit Reporting Act. There should be a payment reporting each month from the open date on XX/XX/XXXX, but it is not. Also with Equifax, the payment status has been reporting as 120 days late for over a year. This is obviously inaccurate.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I am trying to order cell phones and the order keeps declining because of Equifax, and for sure the cell phone company cant give me any reason but is rfering me to equifax only. 

I called Equifax several time to find out what was the issue, obviously some date mixup on their end for my date of birth. As they explained me on the phone two weks ago, Isend Social Security card and Drivers license to them per fax to get that fixed. I called today and they are telling me now again to do so, even they received it ( but cant tell me whats wrong -> the system says ... blablabla ). 

This doesnt make sense and I dont come forward, still cant order the phones despite excellent credit score, they can not tell me what to do and I am stuck -> horrible company with horrible customer service, very different statements depending on whom you speak with and the so called " supervisors '' seems to help even less than other " normal '' employees. 

I would in insist in my right to know whats going on with my credit report, especially if they put it locked without my knowledge ( as it seems )!
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX without 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 XXXX 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 XXXX 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 XXXX  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
Complaint sub-issue: Public record

Between XX/XX/XXXX and XX/XX/XXXX my credit score went from XXXX to XXXX due to a derogatory claim on my credit report. I have to receive any legal verification of this via certified mail or otherwise.
Complaint sub-issue: Problem with personal statement of dispute

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX I have never stepped foot or sat in a class at XXXX University or XXXX college . 
the school was closed for fraud. the school opened these loans in my name under false, an misrepresentation I have tried to contact XXXX XXXX who knows why the school closed they have no records. I've contacted the XXXX Attorney Generals office/Criminal division/ Citizen Services. I filled a claim last year. I was told it is under an investigation. I have checked but no response yet thank you, XXXX XXXX XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

1. On XX/XX/XXXX there was a dispute filed for transaction. Citi issued credit but then reversed credit without providing copy of any information of why transaction was reversed. Then in XXXX when I contacted Citi and asked how or why, I was given two different answers. I was Sent a time sensitive, password protected document to sign but the credit card system and the protected email are not accessible! I have a right to request copy of communication and to verify information on my end.

2. Upon requesting documents again, Citi sent a blurb stating, " information requested will not assist or matter in disputing transaction or fraud ''. That is the complete opposite of why a cardholder is or would dispute a transaction and provide proof. 
3. XX/XX/XXXX In contacting Citi again, I have been given run around but more fraud transactions are posting to account. Upon several attempts to go online and call Citi, there is no information being provided to assist or communicate about account. 
I feel like Citi is assisting with fraud being committed on the account. 
4. Citi is discriminating in services to certain cardholders.
Complaint sub-issue: Unexpected increase in interest rate

I have reached out to Citibank credit card customer service to reduce the APR for purchases regarding my account, but have been unable to do so. I have been a client with them for over XXXX  years, never missed a payment due date and have a good credit record background. I believe the APR percentage of 28.49 % is too high for the account. And it should be taken into consideration having it reduced.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX Balance : {$5100.00} XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Investigation took more than 30 days

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigations results.
Complaint sub-issue: Reporting company used your report improperly

I disputed incorrect information XX/XX/2022 by sending off a letter to Equifax, XXXX and XXXX. Some reports were removed and each Reporting Agency has incorrect and inconsistent information. XXXX has open accounts that are also collections. My addresses are wrong and XXXX and Equifax are not reporting open and closed accounts reported on XXXX. Equifax has incorrect addresses and work place. They reported XXXX as an open account and a collections. There is an open account with no Account name or contact information. Accounts such as XXXX XXXX XXXX, XXXX XXXX XXXX are not reported as open accounts on other reports. XXXX has the wrong addresses, open, closed and collections as well. I also sent a cease and desist letter last month to the collection accounts that included of 15 U.SXXXX Code 1692c and 15 U.S.C. 1692d to cease all communication with myself or any person through any medium, that includes XXXX, Equifax and XXXX. There should be no further updates on any accounts of collections and the collections need to be removed completely. According to the Fair Credit Reporting Act 12 USC 1681, I have a right to privacy. According to the 15 USC 6802, no financial institution can share my information to third party persons without my consent.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I received a notification that XXXX had asked for inquiry in my credit. The notification was through XXXX XXXX
Complaint sub-issue: Debt was paid

This debt was already paid and I have contacted equifax and told them that I have paid this debt five to six years ago. I also contacted the company which stated this should not be on my credit but equifax refuses to remove it.
Complaint sub-issue: Problem with fees

lack of statements, would not accept payment over phone, Do to usbank creating payment problem thur opening and closing account rapidly with XXXX  company
Complaint sub-issue: Their investigation did not fix an error on your report

I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. The bureaus have had XXXX  days and XXXX dispute letters sent to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

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 more then 48 times nonstop this is exhausting 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 XXXX i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope 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 one negative credit items outstanding debt now that is not mines. 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 negative account 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Complaint sub-issue: Didn't receive terms that were advertised

PNC Bank offered me a {$200.00} promotion to open a checking account and complete direct deposits and use a debit card. I completed the direct deposits immediately, but I never received a debit card. Now PNC says they wont award me the {$200.00} promotion because I did n't use the card that they never provided me. This is unfair at the least, and deceptive at most.
Complaint sub-issue: Reporting company used your report improperly

To whom is may concern I consumer did not give Equifax any written consent to place any information onto my credit report. The law clearly states that if there is no permissible purpose you cant place any information on a consumer report without the consent of the consumer. According to 15 usc 1681b, 15 U.S. Code 1681b - Permissible purposes of consumer reports : a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. This is clearly a violation and the information needs to be removed immediately within 24 hours. If a law says, as citizens and companies the law shall stand in court.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently ordered my credit report from XXXX and noticed that there were a few inquiries that I did n't recognize or authorize : 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, these are the inquiries that are unauthorized and unrecognizable. I called and spoke to a representative and he stated that there was nothing that he could do to help me. I put an fraud alert on my credit report for XXXX and XXXX for reasons like this.
Complaint sub-issue: Information belongs to someone else

After my initial complaint to the 3 major credit bureaus their response was account verified. My question is who verified these accounts, when and how, so I'm demanding the Method Of Verification used. I do not have any contract with these creditors so I'm hoping you will provide me with physical certified documentation that reflects your findings and certify me with copies or as stated within the FCRA these accounts shall be blocked/ removed / deleted immediately from my report. The accounts are as following, XXXX XXXX XXXX {$6200.00}, XXXX XXXX XXXX {$1200.00}, XXXX XXXX {$6200.00}, XXXX {$870.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX {$4100.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX {$740.00}, XXXX/XXXX   {$630.00}, XXXX XXXXXXXX XXXX {$390.00}, XXXX XXXX XXXX XXXX {$31000.00}, and XXXX XXXX XXXX {$860.00}, please block these accounts immediately or provide me with physical documentation that supports your investigation.
Complaint sub-issue: Problem getting your free annual credit report

I went to XXXX and I was able to successfully view a copy of my report with both XXXX and XXXX. I was able to do this online, as well as save a copy to PDF for printing. However, when I tried to look at my Equifax report on the same website, the web page said, " We are not able to deliver your free Equifax Annual Credit Report online ''. 
I was told I could request by mail my Equifax report by filling out a form and mailing in proof of social security number and address. 

MY QUESTION IS : Why is Equifax forcing me to spend hours of my time to gather data and weeks of wait to view a report that the other bureaus allowed me to view instantly?