Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Company closed your account

I AM XXXX AND XXXX XXXX XXXX AND XXXX XXXX A THING. 

THEY ARE UPSET AT ME FOR PUTTING IN DISPUTES. THEY ACCUSED ME OF LYING WIHICH IS A TOTAL LIE. THEIR FOLKS PUT ALL IN AND MADE SO MANY MISTAKES. I ACTUALLY WAS THE ONE WHO CALLED ON ALL OF THEIR ERRORS. 

I DO NOT LIKE TO BE ACCUSED OF THINGS I HAVE NOT DONE. 

THE KIDS MADE SO MANY ERRORS AT CITI CARD AND FOR ME OT BE BLAMED IS SICK. IT IS ALSO ABUSE AND LIES. 

XXXX XXXX FOLK CAN XXXX XXXX AND THEY TRUST THOSE TO DO THINGS RIGHT. I WAS WALKED ON. 

I TRIED TO TALK THIS OUT, BUT SINCE I AM XXXX XXXX XXXX AND NO ONE LIKES XXXX FOLKS, I AM TOLD AS ALWAYS, LEAVE US ALONE AND PUT IT ALL IN WRITING. 

TODAY I GOT A CALL AND DO NOT KNOW WHY. 

THEY REFUSE TO PUT MY CREDITS THROUGH. 

I HAVE ALOT OF MILEAGE AND THEY DID THIS ON PURPOSE. 

CITI IS BLAMING ME FOR PUTTING IN DISPUTES. TRUST ME, IT IS MY XXXX AND THEIR WAY OUT OF PROVIDING THE NEEDED TOOLS TO THE XXXX  AND XXXX  XXXX XXXX SO THEY DO WHAT THEY DO TO HURT AND TO LIE TO GET RID OF THEM. LOOK AT THE PATTERN. 

DISCRIMINATION AGAINST A XXXX  AND XXXX PERSON SHOULD BE AGAINST THE LAW. I PUT MY TRUST IN THEM TO DO WHAT IS RIGHT AND THEN I GET ACCUSED OF STUFF I NEVER DID. 

I HAD MY HAIR RUINED AND PUT IN A DISPUTE AND ALSO AT XXXX IT WAS A MESS. CITICARD IS THE ONE WHO MADE SO MANY ERRORS AND NOT ME. I HAD TO CALL DUE TO THEM MAKING THE ERRORS. THE DID MAKE MORE THAN ONE ERROR AND TO BLAME ME, WHEN IT IS THEM IS SICK.
Complaint sub-issue: Their investigation did not fix an error on your report

I have XXXX accounts listed on my Equifax credit report. These accounts are from Louisiana XXXX XXXX XXXX XXXX and now listed as opened in XX/XX/XXXX. I have disputed the dates/age of these accounts with Equifax two times and tried unsuccessfully to contact Louisiana XXXXXXXX XXXX XXXX XXXX. These accounts first went delinquent no later than XXXX as I was no longer in college. I was in fact incarcerated by the State of Louisiana from XX/XX/XXXX until XX/XX/XXXX and could not possibly have deferred or paid the accounts during that time. I am working to resolve my debts and rebuild my credit but Equifax makes disputes very difficult and then does not correct the error. Both XXXX  and XXXX have removed these accounts from my credit report after investigating. Equifax has not even after the second dispute. All student loan delinquencies are more than ten years old.
Complaint sub-issue: Reporting company used your report improperly

Credit karma offers a credit cards and then you get denied and my credit has dropped. It is a scam.
Complaint sub-issue: No notice of investigation status/result

I have no bills or billings from XXXX XXXX Card. I have applied 3 times for my card back after being with them 9 years.i filed Bankruptcy which was XXXX divorce action in Federal Court. i was stuck with all billings. XXXX XXXX directly upon calling all they could say is YOU filed Bankruptcy. I never filed on them and they never got an inclusion letter to be in federal court. Their action on me through Equifax has devesated my credit and personal actions as a respective citizen. Equifax is say i have a derogatory report and owe XXXX XXXX money. I owe XXXX XXXX NOTHING i paid their amounts with my Debit card and proof from XXXX XXXX and XXXX bought got paid when they contacted me. I paid late charge on both. XXXX XXXX {$49.00}, XXXX {$8.00} and XXXX XXXX {$56.00} ... This is {$100.00} and XXXX was to be challeged disputed But XXXX XXXX refused service that day when they canceled me. I never recieved any merchandized even to this day. All information on Equifax is corrupt and highly disputable in Federal Law.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX Account Number XXXX. This is not my account as I have never had an account with XXXX and I have informed all parties reporting this.
Complaint sub-issue: Their investigation did not fix an error on your report

Additional information has been received from the credit bureau ( Equifax ) after submitting a dispute challenge letter to the company over 45 days ago. The company has finally responded. ( Please see an attachment for further details. ) In my disputed challenge letter : XXXX XXXX XXXX XXXX   XXXX ) was disputed and challenged for reporting multiple inaccuracies and violations. 
In response report : Equifax still continuously reports inaccurately and is in violation. 

( Please see in attachment ) Equifax reports : XXXX XXXX XXXX XXXX report a past due amount on a collection account. This is a violation : as a result this account must be deleted. 

( Please see details in attachment ) Equifax reports : XXXX  XXXX XXXX  XXXX reports that this account was open on XX/XX/XXXX. This is a real aged account. There has been no proof of payments made to the collection agency. As a result this account is reaged and is in violation : as a result this account must be removed effective immediately. 

( Please see details in attachments ) Equifax reports ; XXXX  XXXX   XXXX  XXXX  reports first delinquent date of XX/XX/XXXX but also reports opening date of XX/XX/XXXX. How can this be accurate?? 
This is a violation ; as a result XXXX  XXXX XXXX XXXX  must be removed from my Equifax report immediately. 

XXXX  XXXX XXXX XXXX- is currently in violation for reporting multiple inaccuracies. ( Please see for the details in attachments ). 

Equifax currently reports : XXXX XXXX XXXX XXXX  has a past due amount of {$17000.00}. This is a violation : a past due can not be reported on a closed/ collection/charged off account. As a result XXXX XXXX XXXX finance must be removed from my Equifax credit report immediately. 
( Please see attachments for further details XXXX Equifax currently reports : XXXX XXXX XXXX XXXX  with late payment status after account has been closed/ charged off/ collection. This is a violation : as a result XXXX XXXX XXXX XXXX  must be immediately removed from my Equifax credit report. 

( Please see attachment for further details ) Equifax currently reports : XXXX XXXX XXXX XXXX  has a monthly payment of {$680.00} per month. This is inaccurate reporting any violation. As a result : Equifax must remove XXXX XXXX XXXX XXXX  from my credit report active immediately. 
( Please see attachments for further details ) Equifax currently reports that XXXX XXXX XXXX XXXX was open in XXXX of XXXX. But does not report any payment history from XXXX. Of which may indicate statue of limitation proceedings on this account. This is a violation : as a result XXXX XXXX XXXX XXXX  must be deleted from my Equifax credit report effective immediately. 
( Please see attachments for further details ) Equifax currently report last payment date of XXXX XXXX. This last payment date can not be verified by either the original creditor or Equifax. This is inaccurate reporting and a violation. As a result this account must be removed from my Equifax report effective immediately.
Complaint sub-issue: Didn't receive enough information to verify debt

Hi, Im writing to you regarding an account that I had with XXXX XXXX. I just found out that I had a {$22.00} balance past do for many months ( It is been paid ) .... never got a call from them or a later colecting the balance so as a result my credit was really damage and Im not being able to get a credit card that I really need. 
Im been traying to rebuilt my credit little by little and this is big set back. 
I need help Thank you XXXX XXXX
Complaint sub-issue: Didn't receive terms that were advertised

I opened an Ally checking account XX/XX/2022. I opened this account because I got an email saying I qualified for {$250.00} bonus when I opened one. I am on their mailing list because I have an auto loan through Ally Auto. I opened this account and made the qualifying deposit on XX/XX/2022. I was told by a customer representative that I would have my {$250.00} by XX/XX/2022. 

Here are her words exactly on XX/XX/2022 Hello this is XXXX! Thank you for messaging with me today, here at Ally Customer Care. I am showing your 1st qualified deposit was made on XX/XX/2022. According to the email that was sent out to you. I am showing it advies that bonuses will be paid within 30 calendar days after receiving the qualified direct deposits. I am showing that is XX/XX/2022. 

I asked today XX/XX/2022 and they told me they could not do anything if I didnt have the promotion code in the original email. This email has since been deleted and can not be recovered. I told them that I had emails saying I was signed up for the promotion and still they said there was nothing they could do. Even though they sent me the email and I have proof I signed up for this offer. This proof includes emails all the way up until XX/XX/2022 saying I am still enrolled under the promotion The last response I got was this. 
I do apologize for the inconvenience, but without the promotion code, we are unable to create the case. As our office is an inbound contact location, with a large number of security policies, we are unable to access any email system, but we are also unable to access the email account of the agent that sent the email to you. The only option would be to have the promotion code. 

This is a scam and I want this resolved. No telling how many other people signed up for this and never received their money.
Complaint sub-issue: Their investigation did not fix an error on your report

When I received my credit report for a mortgage refinance on XXXX XXXX, XXXX from XXXX, Equifax and XXXX I saw that my credit score, which used to be in the high 700s, was reduced to XXXX. The reason for this was listed as an issue on my XXXX XXXX. Line of credit account from XXXX XXXX which was charged-off in XX/XX/XXXX. I disputed this with all three credit rating agencies, and requested statements for the time period from XXXX. I have attached the result of my dispute with Equifax XXXX Confirmation # XXXX XXXX. As can be seen, the amount of the charge-off is listed as {$0.00}, and when I spoke with them by phone on XXXX XXXX, XXXX regarding the result I was told that the amount of the charge-off did not matter. 

From my XXXX statements I have found that this issue is related to the {$0.00} interest levied on a {$100.00} overdraft loan on XXXX XXXX, XXXX. I paid off the overdraft on the very next day, XXXX XXXX, XXXX, unaware that interest of {$0.00} would be applied on XXXX XXXX, XXXX ( as seen in the attached section of the statement from XXXX   XXXX ). This is the only amount that still shows up on each statement until XXXX   XXXX XXXX attached statement ). The statement for XXXX XXXXXXXX shows no activity in this line of credit account. I was not aware of this {$0.00} charge, XXXX never contacted me to pay it off, nor notified me that it would be charged-off, probably since the amount was too small to be worth their time. During this entire period I had more than enough money to cover {$0.00}, but XXXX did not charge this amount to any of my other linked accounts the way they typically charge their fees. Additionally, XXXX continues to offer me the same line of credit ( {$3500.00} ), so the charge-off of {$0.00} has apparently not affected my credit with the bank.
Complaint sub-issue: Their investigation did not fix an error on your report

My back ground report is out dated and I asked the company to make these corrections and XXXX received the same 7 year old report.
Complaint sub-issue: Account status incorrect

Many concerns : A collection company representing XXXX XXXX XXXX XXXX XXXX keep calling me with information that an account ( s ) were open in my maiden name ( XXXX  ) a few years ago. I have asked for this information and reported as inacurate and incorrect. This is not my debt. They harrass me day in and day out over this XXXX XXXX XXXX keeps asking for more money representing XXXX XXXX. I have paid balances and they keep calling with new balances This was already paid for. 

XXXX XXXX XXXX representing XXXX XXXX which was paid XX/XX/2022 in full but never removed from credit reporting from collection agency as promised. 

Recovery One - XXXX which was paid in full a long time ago and disputed transaction from a companty called two men and a truck. I have no knowledge of but they keep calling me to pay. 

XXXX XXXX stating I owe a balance {$4200.00} which was paid in full XX/XX/2022 and I have received a paid in full letter numerous times and a title to the item purchased, stating im the sole owner. I keep calling them to remove the debt from my credit and all they do is apologize for the error. 

XXXX XXXX- I have TWO credit accounts from XXXX XXXX XXXX  XXXX since XX/XX/2022 but they are not reflecting on my credit as on time payments or ownership on these credit accounts. I call them to confirm they are reporting to the credit companies but nothing happens. They keep saying its an error. 

I call to remove closed accounts from my credit but those companies do not anything. 
I also wanted the hard inquires and bankruptcy removed but when i call the reporting agency they just put me on hold and nothing happens.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

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 NO ADDRESS ON FILE Dear Sir or Madam, I saw that the companies above pulled my credit report on XXXX, EQUIFAX, XXXX. 

I do not understand why they believe they had the right to do this. I did not give a permissible purpose to anyone pull my private credit report. 

Please tell the credit reporting agencies to delete the inquiry or tell me in writing how you had the permission under the Fair Credit Reporting Act to pull my credit report. 

Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Other problem getting your report or credit score

My husband and I are trying to get a home loan, and the lender is not able to pull my Equifax credit report. I have spoken to two different Equifax representatives, and they are telling me that they can't find me in their system ( don't know how that is possible ). To my knowledge, I do not have a credit lock or freeze on my account, but if I did, I would think that Equifax would be able to tell me that. However, they have not given me any such information, and I do not know how else to get the problem resolved so that my lender can pull my Equifax credit report.
Complaint sub-issue: Public record

My Wife and I, Are Disputing An Item On Our Credit Report ... It 's A Judgement That Was Apparently Granted But Neither Of Us Knew About It And Was Never Served.
Complaint sub-issue: Threatened to sue on too old debt

Debt collector posing as 'mediator ' falsely claiming that they have filed a suit against us and a judgement is being made. They were very aggressive and threatening. They claimed that we need to settle the suit immediately. There is no lawsuit, it was all completely false and I had never received prior notice. They also claimed to have recorded my conversation before hanging up on me ( without my prior knowledge or consent ). 

Also calling and threatening spouse and other family members saying that I need to talk to them immediately.
Complaint sub-issue: Didn't receive advertised or promotional terms

XX/XX/2019 Offer ( SEE ATTACHED ) : EARN A {$20.00} STATEMENT CREDIT AFTER YOU SPEND AT LEAST {$120.00} IN ELIGIBLE XXXX PURCHASES WITH YOUR CITI CARD. 

I completed this offer successfully, and Citibank CONFIRMED IT ( SEE ATTACHED ). Months later, I continued to ask customer support via chat when I will receive it, and they stated I WILL RECEIVE AN ADDITIONAL {$10.00} FOR THEIR REPEATED FAILURE TO PROVIDE ME THE {$20.00} AND THE MANY HOURS I HAVE SPENT ON THIS ISSUE.
Complaint sub-issue: Reporting company used your report improperly

My rights of privacy have been damaged and breached by this bureau which may be a direct violation of federal law. This bureau is additionally in infringement of federal law by detailing inaccurate accounts on their site without my authorization. This bureau is detailing incorrect data on their site and concurring to the federal law, it is the bureau 's GRAVE Duty to guarantee reasonableness, unbiasedness, and a regard for the consumer 's right to privacy. Their carelessness has caused me trouble and I'm seeking litigation.
Complaint sub-issue: Their investigation did not fix an error on your report

As you can see from the numerous complaints I have filed against the 3 credit bureaus. Each time they attempt to make changes to my credit report it continues to make my report WORSE! 

I feel like I am being stalked. If I apply for credit it instantly and I do mean instantly hits my credit report and it makes my score go down. When I pay the credit down or off, it makes my credit score go down and it takes at least 30 days to see the impact. 

I take exception to creditors determing when and whom I apply for credit with. No one, except me knows my goals or objectives. Just some unintelligent folks trying to determine them for ME? If the credit system would have analyst that could really analyze we might make some progress. 

I still have not obtained my first goal - REFINANCE MY EXISTING XXXX XXXX XXXX Mortgage. Thanks to the 3 Unfair Credit Bureaus providing inaccurate information, I did not QUALIFY. ( NOT TRUE ) Had the credit information been correctly reported, I would have my refinance and have {$1900.00} more in my account monthly and be paying {$1900.00} less per month for a MORTGAGE PAYMENT. 

Being that I am Retiring and planned on my Retirement Car Purchase after the Refinance I now have to get the vehicle having to qualify with a different SCENARIO! 
What's Fair about that? 

NOT FAIR NOT FAIR! So much for the Fair Credit Reporting Act! 

I Demand that EVERY creditor I applied for Credit With be sent my corrected CREDIT REPORT and that I be CC 'd with the Scores and an explanation from them as to why I did not but would have Qualified given the correct informationl. 

I am going to say it again -- - The Credit Reporting System needs a Total Revitalization to be Viable in the changing financial environment! 

I am document the nonsense that has occurred since I starting investigating my credit report. In addition, due to the incorrect information the bureaus reported, creditors unfairly reduced my credit lines without justification. What's fair about that? 

I just want to live my life without feeling like I am being XXXX! That's how it feels. 

I wonder how many consumers there are that can not be as persistent at me. 

Do they ever answer the consumer 's questions. Resilient Score- Really. 

My Credit Report should REFLECT : Good Credit Risk Pays On Time Pays Most Long term bills Ahead of Maturity Dates Had financial challenges Overcame them Resilient Networth Vastly Exceeds Debts NEXT?
Complaint sub-issue: Information belongs to someone else

I HAVE PERSONAL INFORMATION THAT DOES NOT BELONG TO ME. XXXX REFUSES TO REMOVE THIS INFORMATION. I HAVE ACCOUNTS THAT DO NOT BELONG TO ME. CONVERGENT OUTSOURCING XXXX, XXXX XXXX XXXX, XX/XX/18, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX ADDRESSES, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX. INQUIRIES XXXX XXXXXXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX CREDIT, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX. THIS INFORMATION DOES NOT BELONG TO ME.
Complaint sub-issue: Didn't receive services that were advertised

On or around XXXX to XXXX I show a lot of Preapprovals I never paid any attention. but credit karma kept sending me all sorts of different preapprovals telling me that I was preapproved for credit cards and personal loans and refinance my car. every day I would see offers every time I logged in to check my credit score. few months of being told that I was preapproved I thought I was no in a place to apply I got so many offers from credit karma I started telling my whole family about vacations and investments we were going to use these pre-approvals for. so I finally apply. Some Time in XXXX and I was denied for two credit cards credit and a personal loan. I was destroy Im very and I was busy marketing to. Credit card told me I was approved this was a lie. I was so sick and destroy
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed multiple inaccuracies on my account without success I would like them deleted immediately Account XXXX Account XXXX also late payments reporting that were never late XXXX XXXX   Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX
Complaint sub-issue: Information is not mine

My credit report reflects XXXX accounts that I was an authorized user on the accounts. There are XXXX accounts with XXXX and XXXX account with XXXX XXXX XXXX. My mother was the primary account holder on these accounts. I had no financial responsibility on these accounts. The creditors on these XXXX accounts were given a copy of my mother 's death certificate, which was XXXX/XXXX/2009.
Complaint sub-issue: Threatened or suggested your credit would be damaged

They furnished a report without my permission. Which is a violation to pursuant to 15 usc 1681b ( 2 ). They reported transactions from my credit card to a my consumer report which is a violation to 15 usc 1681A ( 2 ) ( b ). They committed fraud and obtained my information illegally. They tried to say I owe something when pursuant to 15 usc 1692g they don't have the permission or power to say I owe anything. Pursuant to 15 usc 1692a they can not invade my privacy and only I can deem what is private to me.
Complaint sub-issue: Unexpected increase in interest rate

I have b een a Discover ca rd customer sin  XXXX . Over this time, I have reached my maximum balance and have paid off in full several times, the last time I paid off in full (  XXXX  ) was in  XXXX   XXXX . I have continued to use the card since, and because I have been using automatic deduction from my primary checking account, I did not realize that there have been an increase in my APR to 29.99 % from  18  ; however the rep I spoke to stated that it had bee n 24 for s ome time. I was also told that because I had been late in  XXXX !, they had raised my APR, and unfortunately, would not be able to lower it. I have a fair to good  credit score ;  however it is generally in the good range, as I am able to meet my financial obligations. I feel violated by Discover, and after searching on the internet I now realize that there are many more consumers with similar complaints.
Complaint sub-issue: Confusing or misleading advertising about the credit card

In early 2018, I was purchasing shirts at XXXX XXXX. I wanted to use my XXXX 's card, which I've had for many years, to access a discount. The saleslady looked at my XXXX XXXX card and said it was really beat up and old and I should get a new card. She said she could update my card *and* give me a bigger discount. I said sure. She handed the phone to me, someone asked me a couple of questions, and I got the bigger discount. 

Long story short, I only found out when I had a 'past due ' amount, that XXXX 's had actually opened an entire new account in my name. I evidentally had TWO XXXX 's accounts. One I didn't know about and thus hadn't paid. The other completely up to date. 

I complained to the XXXX. XXXX 's said they'd fix it. They did not. 

What they did made my credit rating plunge. I had *literally* perfect credit. After the XXXX  complaint, they shut down my old account, thus making my length of credit history plunge. This, plus their reporting of my account as delinquent, caused another plunge of 50 points on my credit report. 

This is fraud in it's purest form. I didn't ever want a new XXXX 's card. They secretively did this for some reason - do they get some kind of kickback from XXXX XXXX ( the company running the new card? )