Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with signing the paperwork

I got a loan from Carvana. I used my XXXX card in the Plaid. The Company told me that card was not valid to use for ACH. So, I transferred my {$1000.00} to XXXXXXXX XXXX. They told me that my bank was not allowing me to get money from bank account. I am getting these ugly XXXX email from Carvana stating that the money or the down payment has not been paid via ACH routing number or account number. I gave them my debit card information and the card does not seem to be working. I can transfer the money to Carvana via direct deposit. They said that they will send me the money. 

I need help here. 

I am not interested in fighting with these people. 

The contract does not say a down payment.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights and confidentiality under 15 USC 1681. 

Account name : # XXXXXXXX XXXXt : # 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 account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall it furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that information is inaccurate.
Complaint sub-issue: Debt is not yours

This is not my debt I never had any connections with company.
Complaint sub-issue: Reporting company used your report improperly

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions
Complaint sub-issue: Was not notified of investigation status or results

Hello my name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following INQUIRIES and update all the following ACCOUNTS from my credit report immediately.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX {$10000.00}, {$10000.00}, {$20000.00}, {$5600.00} 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Public record information inaccurate

My Ex-husband and I had things in both our names and I did not file this and had the judge remove my name from bankruptcy.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

I have two credit cards with Citi. For some reason there was a fraud alert from XXXX, which I already fix and citi does not want to acknoledge. They cut my credit limit down and affected my credit score on the limits. I am already paying one credit and told them to increased the credit on my other card. They refuse. I try two times to get it fix But the credit card customer service told me no. Even when I told them that I need it speak to a manager. It was denied. I am trying to increased my credit because of that fictitious fraud alert that XXXX  did to me and I can get it fix. So I am writing this complaint against citi cards. 

Citibank XXXX XXXX XXXX XXXX, KY XXXX Citibank XXXX XXXX XXXX XXXX, AZ XXXX The number for our Customer Service team is XXXX ( TTY/TDD : XXXX ). This department is available 24 hours a day, 7 days a week.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account : Inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX , Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, Inquired on XX/XX/XXXX, XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/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: Account status incorrect

XXXX has reported I'm late on my mortgage consecutively for over a year and I have not been late. 
This has caused me hardship in obtaining a reasonable line of credit for my business which needs a van, my insurance is higher and I was unable to refinance my residence address for a lower rate while the rates where still at 4.25 %
Complaint sub-issue: Threatened or suggested your credit would be damaged

Jefferson Capital System is the company that served me at my home on XX/XX/XXXX for the amount of XXXX. I have asked the company to provide the original sale contract allowing with my signatures or any supporting documents via postal mail. I was in a car accident in XX/XX/XXXX. The car was total out and my lawyers paid this debt in full on my behalf. I have since purchased a car from XXXX XXXX XXXX and have paid the second car off. I have paid some much into this company that I received a check back from the second payoff purchase. This company has damaged my credit by reporting this mistake and incorrect information.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX ( XXXX XXXX XXXX )
Complaint sub-issue: Didn't receive advertised or promotional terms

Sears/Citibank was allowed to run my credit report based off false pretenses. The company and its representatives advised me that I would be able to make the purchase immediately and the card information would populate immediately in my sears cart online. After maybe 5 different calls to their different departments I was advised to drive almost a hour away to make the purchase via phone in store to confirm with my identification. Once I arrived I was told that XXXX XXXX and Sears are not connected in anyway. After seven or more additional calls to Sears on the long drive back home. I received the same run around with each representative blaming other departments for the misinformation. Finally on Sunday XX/XX/2021 I was finally told the truth that the Sears card that was advertised on their site in the check out cart as being " Apply and Use '' on their website was found to be an false advertisement. they told me the card would arrive via mail within 10 - 14 days. This was for a refrigerator my family desperately needed at the time. I immediately told them to cancel this account that was promoted falsely. They told me they would like to apologize for the mix up and incorrect information I was given ( also in the same call told me that it usually works ). I explained to them that I allowed my account to be accessed based off what I was told online and via phone by their representatives. And although credit is an privilege it is also something each of us have to protect. My request that this inquiry be removed from my account based on it being an inquiry acquired off untruth and false advertisement was declined by Sears/CNBA. After two complaints with XXXX the inquiry still remains. These companies cant give false information on the products or reasoning they are requesting a persons information for an inquiry. Its not right and its fraud. Thank you for your time and help. Please Help
Complaint sub-issue: Account information incorrect

In XX/XX/XXXX, XXXX XXXX wrongfully repossessed the car. The exact payments were made to prevent repossession and they were made via XXXX XXXX. XXXX XXXX XXXX XXXX confirmed receipt of the payment and confirmed the account was then current and no further action was required. A few days following, the car was repossessed from my employment. After speaking with XXXX XXXX, they apologized for the repossession and said I had to pay to get it out. They confirmed that the car should have never been repossessed because they could see the payments were made. At this time, XXXX XXXX XXXX XXXX was not cooperating and said I would have to pay the repo fee in order to get the car back. At this point, I sought an attorney. Within a few days, they were able to retrieve the car. The car should have never been repossessed nor should I had to hire an attorney to resolve. Lots of Money, time and energy wasted hit time was of the essence in retrieving the car in a timely fashion. Everything was then paid directly to XXXX XXXX XXXX XXXX through the U.S. Bankruptcy Court Trustee-Case # XXXX. Upon looking at the credit reports, XXXX XXXX has provided incorrect payment history, payments made and the amount past due. They have waited 3 years to provide incorrect information. Also being one of the victims that fall under the most recent class action lawsuit where XXXX XXXX wrongfully added insurance on the car payments and extra interest, clearly further proves their integrity and dishonesty as a company!! There is no balance due for this account, nothing past due and no other collection activity should be listed on this account. I have attached the reportings and it shows payments were made in XX/XX/XXXX and they is INCORRECT!! Everything came from the trustee and needs to be corrected and or deleted. The trustee provided on time payments from XX/XX/XXXX-XX/XX/XXXX. There is no past due amount Remaining. One report showed XXXX past due and now its XXXX the car was only XXXX and purchased back in XX/XX/XXXX.
Complaint sub-issue: Account status incorrect

I took out a student loan back in XXXX that was written off in XXXX and closed by the US Department of Education. The balance was erased and everything was reported accurately to the credit reporting agencies until XXXX I recently checked My XXXX credit report and the loan is appearing as three separate loans which is incorrect and violated double jeopardy laws in place to protect consumers from inaccurate credit reporting as per the Fair Credit Reporting Act. I have attempted to contact the lender but since its a loan I was informed that XXXX should be contacted.
Complaint sub-issue: Other problem getting your report or credit score

I have written to this company on numerous occasions providing all their requested information to access my Consumer Report but they fail to deliver each time only responding to my request asking for the same information that was already previously provided. 

It feels as though they are intentionally making it difficult for me to access my information.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account.
Complaint sub-issue: Account information incorrect

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have pointed out the inaccurate reporting of this account in the attachment documents below.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Complaint sub-issue: Information is not mine

I pulled a tri-merged credit report and all the bureaus report a debt from XXXX XXXX XXXX a collection company on behalf of XXXX XXXX for {$430.00}. I do not recognize this debt and want verification. I was unable to dispute this debt online directly with the bureaus. I tried to obtained a copy of my reports directly with each report agency and have not been successful.
Complaint sub-issue: Fee problem

This is the continuing response- I should not be charged overdraft fees, US Bank says, due to these being " automatic withdrawals '' they must do so. See Below- Hi again XXXX XXXX I'm sorry we aren't able to refund additional fees unless they're from a bank error. 

As I mentioned before, to avoid overdraft fees, the balance must be brought positive the same day it falls negative. I found the account was negative from XX/XX/2022 until a direct deposit came in on XX/XX/2022. 

If you aren't wanting to open a Safe Debit account, I'd recommend setting up one of your other accounts as overdraft protection. In the future, if there were a time where a payment were to come out of your main checking and there was not sufficient funds, if you are wanting to link your other accounts as Overdraft Protection, we can automatically transfer the money to your checking account to cover the balance and make sure no fee is charged. 

If you are wanting to link your other accounts as overdraft protection pleas follow these steps once signed in. 
* Select your checking account and choose " Overdraft Options '' from the menu on the left * Select " Overdraft Protection '' * From the drop down, select your checking account and set up your overdraft protection as desired and submit Respectfully, XXXX XXXX

U.S. Bank Email Operations Department
Complaint sub-issue: Old information reappears or never goes away

Enhanced recovery Is reporting TWO accounts that have expired due to the Statute of limitations of 7 years, Fraudulently saying one became delinquent in XXXX and another in XXXX. 

The information obtained are from my credit report as they have made NO attempt at communication, including a debt verification. Nor have they responded to my Debt verification request. 

The accounts are XXXX XXXX XXXX  : XXXX Both accounts are from XXXX ( first delinquency ) They have indeed received the Verification request as they just again updated the status to owed and due as of XX/XX/XXXX XXXX
Complaint sub-issue: Overcharged for something you did purchase with the card

On XX/XX/2019, we had Sear Air Duct Cleaning clean the air ducts in our home and arranged for a uv light system to be installed to help prevent mold in the system. The bill was for {$3000.00} plus {$840.00} for the uv light system. We were charged for {$3800.00} but the uv light system was not installed and because they repeatedly made appointments but did not install the system, I called and canceled the uv lights but they remain on the bill to this day. 

The first scheduled appointment they canceled because they told me they did not have the lights in stock. The second one they did not have a technician. The third time, they said it was supposed to be heavy rain and they would come in the afternoon but they did not and we waited around for them all day. I tried to call them on the phone several times and could not reach them so i left a message to cancel the uv lights. They never returned my calls. The credit card people, Shop Your Way have been telling me they are looking into the dispute but I first filed it in XXXX and it is still on the bill as of XX/XX/2019. 
On XX/XX/XXXX I tried to reach the supervisor at Sears 5 times and he never returned my calls. I e.mailed Sears at XXXX and never got a reply. 

Because the lights were canceled and never installed, I do not intend to pay that amount of the bill but I do not want my credit standing to be at risk and would like to get this matter settled in an equitable manner.
Complaint sub-issue: Account status incorrect

I have sent a letter to XXXX XXXX XXXX on XX/XX/2020 it was received by them via USPS on XX/XX/2020. No response was received. It has been longer than 30 days to validate this debt. No attempt was made to verify the debt and no collection details were given.
Complaint sub-issue: Debt is not yours

On XX/XX/XXXX. XXXX, I contacted Sezzle to open a dispute about items I never received from from a Company called XXXX XXXX XXXX XXXX XXXX The item had been in flux for months and was ordered in XXXX of XXXX. At this point I reached out to the business to tell them to cancel the order. 

On XX/XX/XXXX, the company sent the items I asked them to cancel and Sezzle responded that the dispute was closed because they provided tracking information. Once the item was received I took it back to the post office to refuse the shipment, sending it back to the business. I provided Sezzle this screenshot at the time showing item was in transit back to the business via their portal. 

I also provided them email communications that I had at the time showing I had reached out. 

Sezzle never responded to this evidence and on XX/XX/XXXX, still showed that I owed a debt. I reached out again asking them to take a look into this and they asked me to re-provide evidence. The tracking link is no longer affiliated with that shipment as it is in reuse and the I don't have that email thread that I can locate. However again, I provided this information already in their secure portal. The business won't proceed with my old evidence and instead sent me to debt collections.
Complaint sub-issue: Information belongs to someone else

There are credit applications that were submitted in my name using my personal information that is fraudulent.
Complaint sub-issue: Information is not mine

I have written and written Equifax to get inquiries off my report that were NOT authorized by me and even submitted a police report to that fact. They respond with " please be more specific with your concerns by listing account names, and the nature of the dispute '' THIS HAS TO BE A GAME, BECAUSE I STATED THAT I WAS A VICTIM OF IDENTITY THEFT AND GAVE THEM A LIST OF ITEMS THAT WERE NOT MINE AND A POLICE REPORT TO BACK IT UP. Is this something they do to just delay consumers from a reasonable investigation? It appears to be a game and I do n't think it 's funny as I am a VICTIM of identity THEFT and they are playing stupid!
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has been non-compliant with removing the unverified account XXXX XXXX  XXXX XXXX Opened Date XX/XX/2013 which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Complaint sub-issue: You never received your bill or did not know a payment was due

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Complaint sub-issue: Didn't receive advertised or promotional terms

I opened the account in XX/XX/21. I called before opening the account to ensure any fine print. They told me that I have to purchase the entire {$1000.00} in one transaction which is not clear from their attached promotion image from their web page at https : //www.homedepot.comXXXX. I made a single transaction purchase but they ended up giving me only {$25.00} which is the amount if I did not cross {$1000.00}. They told me that I ordered on two different dates - looks like their standard message. I told them I have the Home Depot order where I ordered 2 items with a total > 1000. 

On my first call, they said they will correct and I have to wait. My payment date was in XXXX and I was curious why they delayed by an additional month. 
Second call after 2 weeks in XX/XX/XXXX - they started saying they didn't have records that I ordered in one transaction. Then after an hour long call they check my original order and confirm that I ordered as per the promotion and should get {$100.00}. 
I called again today. This time, they have no idea and recall no prior contact. This time, she says I am not getting {$100.00} instead they will give 18 month no interest promotion. This is not there in any promotion in the website. They have a 6 month free interest and a {$100.00} promotion. 

My conclusion is either Home Depot or CITI bank is not acting ethically and must be brought to the public. The support person even closed my account.
Complaint sub-issue: Was not notified of investigation status or results

on XX/XX/2020 i sent a letter regarding inaccurate and unknown things on my credit report. to this day over sixty ( 60 ) days later I have not received a response yet. I feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My was also impacted by the Equifax Data Breach and may have got into the hands of the wrong person.