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

I am writing as my last results to get his matte fixed before i have to go higher up to fix this, for i have contacted equifax 3 times by phone and i have aways disputed these items 5 times. There is a few matters here that i am very very upset about and a huge vilation of my rights and i want this matter fixed NOW!! I have sent in my papers that i needed for them to fix this and all they do is update that the dispute is finshed and nothing is done or update. Equifax is in violation of my rights and i am not going to let them harm my credit file anymore by not doing their job. To start with i have a few inquiries that are listed on my credit file that i have no acknogle of and i have contacted the companies and told they can not do anything since they have no record of me because i have no account with them, i have also sent in my id report stating this information also and still after two months and 5 disputes and 3 phone calls, why is nothing still not being done? Next there  is a consumer statement on my credit report that i will attach a picture with along with this report, it is on my file as a statement that can be seen and also as if i wrote it, it stats in the statment something in the lines of " There should be no balance, past due balances o rmonthly payment on an acounnt no longer owned by the original company ths account has been transfered and needs deleted immediatley '', for i am not sure why they have this as my consumer statement and as i have proof of me disputing, calling in and asking for deletion of this false reporting information on my file, I do not have any past due or negative items or late payments or anything in that sense for this statement to make sense or belong with my credit file and i want it deleted NOW, it is false statment and gives false information on my file and that is another violaton of my rights. also i had disputed a account to make sure that it was reporting updated information on a auto loan and just to update it that it was paid off and 12 months of postive reporting payments for this account and instead of doing that equfiax AGAIN voilated my rights and went upon theirselves and deleted this account that showed my longest postive account and payment history and i am very upset about this, i can name 5 viloations they are doing and i am sick of it not gettin taken care and my rights not being taken into consideraction, so something needs to be done. If this is not taken care of by filling once again a complaint and then i know my rights and will go to the next step. My account that was deleted needs to be put back on and also these inquiries that i have no acknogle of needs deleted RIGHT now and also the false reporting consumer statement that is reporting false information and lies and these are all huge violatons of my rights. I will attach again my ftc report to this and hope this is all taken care of!! 

inqurie dates XXXX XX/XX/2020 - XXXX XXXX   XXXX XXXX XXXX   XXXX  Thank you XXXX XXXX XXXX last
Complaint sub-issue: Information belongs to someone else

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent 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 nor accounts. 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 Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete the items as soon as possible : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX : {$1000.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$23000.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX  XXXX XXXX XX/XX/2022
Complaint sub-issue: Account information incorrect

I Have Asked Equifax, XXXX XXXX XXXX to re-investigate the information on my credit report and I know the information is incorrect but they all reported back to me that they verified the information on my credit report. So I am here today to report information that has not been fixed and would like to remove all accounts and negative items on my credit report. 

1

5 U.S.C 1681i States that I have the right to ask for a Reinvestigation ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency 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 item from the file. ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation
Complaint sub-issue: Problem with fees

In XX/XX/2021 after several issues and complaints, I closed my advantage account with XXXX XXXX. I had affiliated XXXX which in XXXX decided to cancel my card since they would not have an account open if I didnt not have a loyalty account with american then they could not keep the card open. However, they did not close it before charging a {$450.00} annual fee. Annual fees are meant to cover the year of usage which I would. It be getting because they closed it. I reached out to them and they said they would be evaluating the request to have the fee stricken but could not provide anything via email, I would have to wait for an mailed letter. That never came. They continued to delay purposely to let more interest and fees accrues while I am waiting for them to remove that fee and any respective interest so XXXX can payoff and close the account. Their have disregarded my request and delayed providing any account information since online they have cut off and therefore I am unable to see a breakdown of anything the breakdown of ongoing charge citing they fact the info the account is closed. Their delay has resulted in excessive interest and damage to my credit report. I have called again and denied the request. I have tried everything but they refuse to make the corrections to close out the balance. Since the letter never came and they cut off access to account information online I do not have documents to attach. Only a balance they cite when I call their XXXX number with no backup for it.
Complaint sub-issue: Debt was result of identity theft

XXXX XXXX XXXX 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 {$460.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 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: Report improperly shared by CRC

I did n't authorize XXXX to check my credit history but they did. I do n't know how they did since I even did n't provide my SSN.
Complaint sub-issue: Their investigation did not fix an error on your report

High Credit, Past due amount, date of last payment, last reported and payment history are not being reported factual and consistently between the three major bureaus. Account Name : XXXX XXXX I am requesting that this account not be updated and I am demanding that this account be permanently removed from my credit file. 

I have attached and highlighted the inaccurate reportings from each account that are reporting inconsistently between each bureau. AGAIN, I am not requesting an update on these accounts, I am demanding a deletion of this account and I am demanding that you not ignore my demand. 
By the provisions of the Fair Credit Reporting Act, I request that these items be investigated and removed from my report. It is to my understanding that you will recheck these items with the creditor who has posted them. I also understand that under 15 U.S.C Sec. 1681i ( a ), you must complete this re investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. Thank you for your time and help in this matter
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting incorrectly that I am ( 120 ) days past due on the MODPED partial account numbers XXXX ; XXXX ; XXXX and XXXX. ( Please see pages attached from my credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Complaint sub-issue: Debt is not yours

When I was called to XXXX XXXX my home was moved from XXXX, Oh, where Keybank is located, to XXXX, MI, WHERE NO KEYBANK IS ANYWHERE NEAR. I made sure to caps the previous statement because it's 100 % the cause of the fraudulent charge I've encountered. I called Keybank to close my account after drawing all the funds out of the account. I had no access to go to Keybank as it was over 2 hour drive away. I called he first time and nothing was done to close my account. I incurred charges because I removed all the money from my account. I PAID the first round of fraudulent charges, I again called KEYBANK to close my account when it was YET AGAIN at XXXX. Once again nothing was done on Keybank side and once again overage charges were encountered. This account should have been closed PRIOR to the charges TWICE! this was fraudulent twice. Not to mention I was SERVING OUR COUNTRY. I will not pay this charge, as it is fraudulent. Just to point out, your system is glitching, it would not allow me to Input my last 4 of my ss # so I put the last four as the account number. THE ACCOUNT NUMBER I ENTERED IS MY LAST FOUR, I DO NOT HAVE AN ACCOUNT WITH KEYBANK AS THEY CLOSED THE ACCOUNT AFTER FRAUDULENTLY CHARGING ME TWICE ...
Complaint sub-issue: Reporting company used your report improperly

Someone ran my credit without my permission and dropped my score XXXX points!! 
Equifax, XXXX, and XXXX I'm at a low score of XXXX and less than a month ago was XXXX score. I want to refi my house due to this plandemic and now a war, through no fault of our own! I need to get my points back up.

I can list all the codes those people are violating : 15 USC 1681b.

15 USC 1681c-3, many more I need everything derogatory and negative removed, please...
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer credit reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose.
Complaint sub-issue: Investigation took more than 30 days

THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANYS DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

The company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA,XXXX reported XX/XX/2018 THIS IS NOT MY ACCOUNT AND I HAVE NO CONTRACT WITH THIS COMPANY. XXXX and XXXX   have removed this account. I have called Equifax and they keep taking the dispute by phone then when i call give them the confirmation number they say it does not exist but give me another one with same number as previous one. I have put it in writing no response it is impossible to use the Equifax online portal they have so many flaws and they are not handling my report responsibly i would like for the item mentioned above removed thank you hope you can help
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act my rights have been violated by XXXX XXXX 

15 U.S.C 1681 602 A. States I have the right to privacy 15 U.S.C 1681 604 A. Section 2 : It also Statesa consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Information belongs to someone else

Hello my name is XXXX XXXX XXXX, 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 change. At this time I need the items be deleted to correct my credit report. I have also reported the theft of my identity to the federal trades commission and have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the following information as soon as possible.
Complaint sub-issue: Transaction was not authorized

I am out {$460.00} due to a merchant 's failure to provide the purchased item from XX/XX/22. The merchant has refused to refund me and PNC will not assist me. See attachment for full text.
Complaint sub-issue: Received bad information about your loan

First of all Im a XXXX  and have been out of school since XXXX... I had my loan switched to several different agencies multiple times. The last loan company I recall was XXXX and was told that I was on income repayment at {$250.00} back in XXXX and that was last for 10 years. Then I see sometime in XXXX the loan was switched/sold to AES and I owe the same amount that I took out in XXXX. I feel like I have made consistent payments based on what was set-up. I have worked for several insurance companies, and I guess they are consider for profit companies. Im currently self employed/contract and work for the government. I really need to speak with someone to see what is going on with this loan. 

Thanks
Complaint sub-issue: Account information incorrect

Credit Karma said I was pre approved for credit cards to rebuild my credit. 
When I applied for the " pre approved '' credit card, I was denied and my credit score dropped by about XXXX points, making my credit score low. I was also in the process of purchasing a new vehicle, and with the credit score drop, I was unable to do so. 
I emailed the Credit Karma and they said just because it was pre approved, it didn't mean I was eligible. 
I do not know how to upload the email thread between Credit Karma and myself.
Complaint sub-issue: Problem during payment process

I am writing to DISCOVER FINANCIAL SERVICE because I am having difficulties with applying for new credit cards. The late paymen on XX/XX/2020 in XXXX, XXXX  and XXXX  report prevents me from achieving the desired results. 
I am kindly requesting DISCOVER FINANCIAL SERVICE to remove this late paymen from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Complaint sub-issue: Trouble with how payments are being handled

I filed for my loans to be forgiven due to XXXX being closed due to fraud in 2015. I still havent heard anything, Ive seen people get theirs forgiven, I am trying to finish schooling and due to this issue Im about to be maxed out and can not finish my XXXX program.
Complaint sub-issue: Old information reappears or never goes away

XX/XX/XXXX - I recognized a drop in my in FICO credit score from XXXX in XX/XX/XXXX to XXXX in XX/XX/XXXX. I obtain this credit score free through XXXX App every month. The reason for the drop was 'Derogatory record found '. I was sure this was a case of some fraud or mistake from the company XX/XX/XXXX - I downloaded my credit report from all three credit reporting agencies, including Equifax, on XX/XX/XXXX and did not see any derogatory record. I reported the same to discover to fix this issue at their end. 

XX/XX/XXXX - This mistake was fixed and the credit score improved the following month - Back to XXXX XX/XX/XXXX - My new apartment owner ran my credit report today through Equifax and in the report provided my Equifax , I see that there is a derogatory record again I do not recognize
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a copy of my report in XXXX dated XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of the following account which I believe was reported in error. 

XXXX XXXX  XXXX Balance : {$1600.00}
Complaint sub-issue: Not given enough info to verify debt

XXXX XXXX and XXXX have reported they verified by KEYBANK full account details. 

I am requesting full disclosure of dates and information shared with these companies
Complaint sub-issue: Problem with customer service

During the first week of XXXX, I contacted Great Lakes to request the funds I paid during the Covid-19 payment freeze be refunded. They told me my request would be " honored '' and would take " up to 45 days '' to process. After 45 days had come and gone, I followed-up and received the below response. They never notified me of any change to the 45 day window I was provided and now they are playing games.

They are also claiming I have a balance for a loan I paid IN FULL because they have processed the refund in their system, but are holding back the money. So it now appears I have a balance, even though they didn't actually refund the money. 

Hi XXXX, Thank you for your email. 

We are now waiting for the U.S. Department of Treasury to approve the refund requests before funds can be issued back to the remitter of the payment. We appreciate your patience while our Payment Processing Team works diligently to process your refund request. Due to the high volume of refund requests, we can not provide a time frame for when you will receive your refund. 

If you have additional questions or concerns, please do not hesitate to contact us. 



Sincerely, XXXX XXXX XXXX Great Lakes Educational Loan Services , Inc .
Complaint sub-issue: Trouble with how payments are handled

Every time I make a principal only payment, the payment is distributed to all of the loans instead of just the highest interest loans. They even state on their website that when you make a principal only payment that it will go just to the highest interest loans. However, every time I make the additional principal payments, I have to go back and check all of their work. We as borrowers should n't have to go back and make sure that student loan companies are actually following the rules, they should just do so. I pay my student loans through XXXX.
Complaint sub-issue: Banking errors

On XX/XX/XXXX I opened a savings account with Citibank, depositing {$15000.00}. This account was opened in response to a promotion ( Citibank Account Package ) that required that I also open a checking account, which I did. The terms of the promotion required that the minimum deposit ( {$15000.00} ) be held in either of the accounts for 60 days, at which time it would earn a bonus of {$400.00}. I followed all of the requirements of the promotion, but to date the {$400.00} bonus has not been credited to me. The exact terms of the bonus state " The Cash Bonus will be credited within 90 calendar days from the date you complete all Required Activities. '' The 60 day and 90 day requirements have passed, but no payment has been made. I have called Citibank twice ( XX/XX/XXXX and XX/XX/XXXX ) for clarification. On both calls I was passed from one department to another, only to have the call disconnected without any resolution. 

My husband has had the same experience with the bank ( he will be filing a separate complaint with you ), and the dozens of complaints written up by other customers at this site : XXXX XXXX XXXX  indicate that this reluctance to follow through on promises is widespread with the bank. 

I will attach a copy of the Terms and Conditions for the promotion ( which Citibank appears to still offer ) below.