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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Equifax & XXXX I received a notice alert on my credit file telling me that I had an account opened under my name. I have two months worth of credit history and I have no clue where the account of XXXX XXXX appeared on my credit file and I am puzzled as to why this is appearing on my credit file. I have sent several certified letters to your company and I havent received any response yet. I have sent in letters to your company on XX/XX/2018. Its been more than 90 days and theirs still no response I dont know what the problem is. I have distressed and this is causing a major problem for me and my life. Being that this account isnt mine and its on my credit its affecting me tremendously and I believe that this fraud. I am disputing the accounts internally and I expect to see this account removed or else I will take legal actions towards your company if you dont remove this fraudulent account off of my credit file. I have contacted the creditor but I havent gotten a response at all so I want to know as to why this account hasnt been removed. I am only allowing 3-5 days.
Complaint sub-issue: Account status incorrect

Requested Equifax, XXXX and XXXX multiple times to remove XXXX accounts listed on my credit file. 
The CRA 's consistently reply that the investigation for accounts is accurate and will remain. 

The accounts in question form XXXX show different dates of 1st delinquency on accounts. Now the accounts show that they are newly opened accounts. How can this be? ; they are old charged of accounts, and are now more than six years old. In Massachusetts, accounts older than 6 years of age should be removed from the consumers file. 
Please refer to attached Equifax credit reports. One can clearly see the manipulation of accounts by the furnisher of data ( XXXX )
Complaint sub-issue: Account status incorrect

I noticed that my standard monthly payment to Audi Financial had not been withdrawn. Due to to my entire family having XXXX, I was not monitoring my bank account as much during the month of XXXX. I logged in and looked on XX/XX/XXXX and noticed it was not withdrawn. I had tried to manually process the payment on XX/XX/XXXX. Apparently it was rejected by my bank. Not sure if the account number was wrong or what but my account has plenty of funds. 

On XX/XX/XXXX Audi posted a letter in my " MyAudi '' account which I have no reason to ever check. This letter stated my payment was returned. My payment was due on XX/XX/XXXX. No phone call from Audi saying your payment is about to be 30 days late. No contact. No email to my personal email address which I always check. No phone call to let me know there was an issue. They mailed me a letter which was received after the XX/XX/XXXX due date. 

It took them about 24 hours to report my account as 30 days past due to the Credit Bureaus. All 3 of them. I have emailed Audi, sent letters to the CEO, and sent letters to dispute this information. 

If a company is going to be allowed to do this during XXXX pandemic for a customer who has made every payment on time to Audi over the last 3-years that is despicable. They have an obligation to pick up the phone and call me IMMEDIATELY when they see the payment returned.

I have subsequently again processed the payment due. I have never missed a payment 30 days late in over 20 years of having credit. When I have tried to process the payment I think Audi 's system is changing my account number to my bank routing number and that is why it appears the payment was rejected. Whether this is Audi 's system mistake or my input mistake one will never know. But, the truth is Audi should have immediately picked up the phone and called me either way on XX/XX/XXXX when the payment was rejected. The error could have been rectified prior to the XX/XX/XXXX date when the payment became 30 days late. They should have also shown more care for a family dealing with the XXXX pandemic and inflicted with the virus. 

Audi needs to correct this issue immediately.
Complaint sub-issue: Didn't receive advertised or promotional terms

I was offered a credit card at Best Buy when I went in to purchase a laptop. I was offered a credit card with 0 interest rate for a year. After that year, any unpaid amount would start incurring interest. I made all my payments on time and I kept using the credit card for other purchases. When the promotion ended, Best Buy charged me interest for the year I had the promotion. I called them to figure out why they charged me for the promotional time and they said that was the deal. I offered to pay off the credit card balance immediately as long as they removed those charges/fees. They refused and now they are charging me over {$1000.00} on a {$500.00} credit limit card. This is ridiculous and they refuse to work with me. I called them the same month they added the fees and they refused to help and now they have ruined my credit. I am willing to pay them what I know I owe them but I refuse to let them take advantage of me after promising me a promotion that probably didnt exists.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

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 the Fair Credit Reporting Act. 15 USC 1681 section 602A states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 
List of accounts : 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: Information belongs to someone else

EQUIFAX HAS VIOLATED MY PRIVACY AS A FEDERAL CONSUMER I HAVE NEVER GAVE ANY WRITTEN CONSTENT TO EQUIFAX TO REPORT ANY CONSUMER ACCOUNTS ON MY CONSUMER REPORTS
Complaint sub-issue: Frequent or repeated calls

I am paying on my sons student loan that I cosigned on. I can not pay on the due date but have never missed a payment. Key Bank calls anywhere from XXXX to XXXX times a day starting from 2 days after the given due date until they receive the payment, which is usually 2 weeks
Complaint sub-issue: Their investigation did not fix an error on your report

I have requested several times how both Equifax and XXXX claim to have verified the accounts listed below which are not my accounts not did I open them. All I ever get is the same templated latter stating verified but I asked to whom they spoke with and when etc., but I never get that requested information. I also asked for a notarized letter from them stating they information they provide is true but have yet to receive that either. 

In accordance with the Fair Credit Act XXXX the information provided has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
Accounts in question : XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX
Complaint sub-issue: Account status incorrect

In XXXX, I co-signed for my son for cable tv with XXXX XXXX while he attended University XXXX XXXX. He left school in XX/XX/XXXX and we cancelled the cable account. However, he did not return the cable equipment thinking that the cable company would come and pick it up ( he was XXXX at the time ). XXXX XXXX sent the bills to her campus address and they were not forwarded to our home address. It was turned over to EOS CCA and they contacted me and I immediately paid them in XX/XX/XXXX. The problem is that EOS updates this account every month and it appears to the credit bureaus that is was just recently paid which is adversely affecting my score by 60-70 points. I have contacted XXXX XXXX XXXX ( which has been purchased by XXXX XXXX XXXX and they have no record of my account being delinquent and have told me ( I have spoke to them 4 times ) that the would remove the reference from my report. I have followed up with EOS CCA and asked them to remove the reference since the original creditor agrees it should be removed but they refused. I then asked them to show the date reported as XX/XX/XXXX which would then not adversely affect my score and they refuse to do that as well. I have spoken to them 4 times as well. I don't dispute the reference but I feel the way that they update the account every month is unfair and severely adversely affecting my score forcing me to get higher interest rates than I should be receiving. The rest of my credit is perfect and my revolving accounts are paid in full every month. This type of reporting must also be adversely affecting other people in the same way.
Complaint sub-issue: Account status incorrect

I recently reviewed s copy of my credit report when the company XXXX/XXXX, XXXX/First XXXX, XXXX XXXX XXXX list two charge accounts as charge off however in a settlement agreement with their 3rd party collection company an agreement was made to settle the account and they agreed to remove both accounts from credit report Account numbers are XXXX XXXX  XXXX Account number XXXX  XXXX XXXX
Complaint sub-issue: Information is not mine

I have been a victim of Identity theft as a result several accounts were opened in my name. I have filed a police report and sent it to collection agencies letting them know the debt is not mine but Equifax still reports me negatively on my credit file.
Complaint sub-issue: Information belongs to someone else

Despite Several written requests, Multiple Unverified & Fraudulent items still remain on my credit report in violation of Federal Law. XXXX, Equifax, & XXXX XXXX are all required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ). Furthermore you have failed to provide the method of verification as required under Section XXXX ( a ) ( XXXX ). 

Please be advised that under Section XXXX ( XXXX ) ( A ) of the FCRA you are required topromptly DELETE all information which can not be verified. Or subsequently block the fraudulent information on my credit report resulting from identity theft within XXXX business days, and to promptly notify the furnisher ( XXXX ) of that information, as harbored in the protections under my valid FTC Identity theft report ( SEE ATTACHED )
Complaint sub-issue: Account opened as a result of fraud

The company, CBNA called me and asked me to verify a credit application because I was approved for a XXXX personal credit card, I told the rep that I didn't initiate an application. She asked me to verify information and then removed the application, so the account would not be open. She notified me that the inquiry would be removed from my XXXX report. No action has been taken in this matter.
Complaint sub-issue: Account status incorrect

In the past two years XXXX  XXXX XXXX  is being reporting inaccurate information to the three major bureau on my behalf. l have sent them 4 different letters requesting to verify the that this information is mine, and, that it is accurate. in violation of a federal law all four occasions they have failed to provide me with a copy of the original contract with my signature on it. All l get is a response back in the mail, stating that they do not understand the reason of my despute. The case is for the three major Credit bureau, XXXX XXXX, Equifax and XXXX, none of them can seem to follow the law and at least provide with a copy of the original contract with my signature on it,
Complaint sub-issue: Credit inquiries on your report that you don't recognize

It's not my inquiries, i never applied for this companies.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On Wednesday XX/XX/XXXX, I visited XXXX XXXX XXXX. After the initial examination, it was made clear that they would not be able to meet my needs. I was to charged {$150.00} for the office visit ; however, my account was charged the full cost of the procedure, {$1800.00}. The merchant called to notify me of their mistake on Thursday XX/XX/XXXX but refused to credit my account stating there is nothing they can do. 

I immediately contact Citibank and was informed that I could not file a dispute until the actual charge was listed on my billing statement. Therefore, I faxed a letter of complaint/dispute with Citibank on XX/XX/XXXX. On XX/XX/XXXX, I faxed another letter detailing the circumstances and transcription of the voicemail left by the merchant. On XX/XX/XXXX, I faxed another letter to Citibank and called customer service several times regarding this issue. On XX/XX/XXXX, I finally received an email notification from Citibank stating that my account could not be credited for the {$1800.00}, plus interests and fees, due to the " passing of the allotted time frame ''. On XX/XX/XXXX, I faxed Citibank a letter highlighting the dates of my attempts to resolve this matter and their negligence in allowing the time frame to end. On XX/XX/XXXX, I received an email from Citibank stating there is nothing more they can do, the charge will remain on my account, and adversely effect my credit if remains unpaid.
Complaint sub-issue: Can't close your account

I have been trying for the past two weeks to close my checking account at Citibank. My account has been blocked since XX/XX/, 2022 due to fraudulent activity by a scammer. 

I would now like my account to be unblocked, closed, and the balance of {$1100.00} returned to me by Citibank. I have tried to work with Citibank to do this over the phone, but I have been sent from one department to another. The nearest branch is approx. a 7 hour drive. 

Please see attached detail.
Complaint sub-issue: Problem accessing account

Beginning a week ago, I found my online account was blocked from accessing statements. I spent 3 hours on the phone, transferred between agents, departments and countries, calls and holds fraud, tech, etc then my account was completely blocked. There is over {$100000.00} in my name at Citi Last Wednesday. I went to the branch at XXXX and XXXX in XXXX. They tried to fix it. I went back the next day, they sent me a new debit card and said that would fix it. 

I have a new card but still dont have access. I cant pay my bills. 

I went back to XXXX and they said we arent the fraud department theres nothing we can do Its been 3 work days of my life over a week I need my money and I need to report this bank for gross negligence. 

Please help me
Complaint sub-issue: Account information incorrect

Equifax Is reporting inaccurate, incomplete, and inconsistent information on my credit report this is a violation of Title 15 1681E " Accuracy of Report ''. " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' This consumer reporting agency is also in violation of USC Title 15 1681i 5 1-2 ( 5 ) Treatment of inaccurate or unverifiable information. " 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; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. '' If this is true then the following Alleged charged-off account XXXX must be deleted immediately due to being furnished with multiple inaccuracies, it is also incomplete and inconsistent. it showcases Years of late payments after the account was already closed. There should be no late payments reported after the closed date of XXXX This is inaccurate reporting. No Date of last activity is furnished- This data field is incomplete. There is no actual payment amount furnished for alleged the last payment date which is another Incomplete data field. The date of the first major delinquency is inaccurate.the alleged date of first major delinquency is XX/XX/2018 which is 3 months after the account was allegedly closed on XX/XX/2018 this is inaccurate and inconsistent reporting. This consumer reporting agency failed to furnished the date of the first major delinquency was first reported this data field is also incomplete. Also, The payment history Calendar is inaccurate according to this credit reporting agency 's payment history key. The alleged payment history shows 4 Straight 120 's Late payment marks which are not possible nor accurate and is inconsistent with the standard of the Equifax Payment history key.
Complaint sub-issue: Information belongs to someone else

Sagestream LLC refuses to release a copy of my report so I can address the inaccuracies within.
Complaint sub-issue: Didn't receive notice of right to dispute

I received notice on my credit monitoring site that ERC was collecting a debt that I was never notified about. I contacted them and they told me they did not have to send me anything letting me know that are collecting a debt. I told them I was under the impression that it was mandatory they send me something within 30 days of purchasing or receiving the debt and they said that is not true that they didn't have to do anything. This did not seem right I wasn't notified and had no idea about this until my credit monitoring site sent me an alert.
Complaint sub-issue: Reporting company used your report improperly

I applied for Car and they said was going to just pull for XXXX. But on my Credit Report, I had XXXX hard inquiries on my report.
Complaint sub-issue: Information belongs to someone else

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. SARMA Inquiry : XX/XX/XXXX, XXXX XXXX XXXX : XX/XX/XXXX, XXXX XXXX XXXX  XXXX  Inquiry : XX/XX/XXXX. This is my second request. For the first time no response came in 15 days. ompanies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Complaint sub-issue: Banking errors

1. On XX/XX/2020 I called US Bank for 50 minutes when XXXX answered and could not find closed account with all verification. 2. XXXX refused to transfer to a supervisor although asked 5 times. 3. XXXX, mrg of XXXX, closed my account with less than a week notice to get everything. 4. It took 2 hours when went in per XXXX XXXX request. 5. The bank as not sent me statements i requested. 6. Us bank did not process disputes when I put them through. 7. Now they are questioning a dispute although send me no statements and removed online access do I can check and US Bank can STEAL MY MONEY.
Complaint sub-issue: Account status incorrect

I made a monthly payment to Lending Club on a installment loan for the monthly installment amount of {$190.00}, within the 30 days, and the company reported me 30 days late for a late fee. I think the late fee is {$15.00}. I have made payments to this company for the last 27 months and have never missed a payment, even through some rough months. I was n't aware of being able to be reported 30 days late on a installment loan, as long as you paid the regular monthly payment.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

I received a letter with a warrant out for my arrest. I called them to see why the 1st lawyer hung up on me and said the warrant will stay if I dont pay them. 2nd lawyer ask a lot of questions about my kids and other things that didnt make sense I ask him what does that have to do with the letter of the warrant he told me in order to talk about the warrant I must answer all the question. Threaten to hang up the phone if I dont answer all the question and all I was calling to see why is there a warrant
Complaint sub-issue: Trouble using the card to spend money in a store or online

Can not activate my card from Texas Unemployment through Us Bank Reliacard. Tried the website and it won't work. Tried the app and tried calling. I can not use my card.
Complaint sub-issue: Account status incorrect

On XX/XX/XXXX I suspended my XXXX XXXX account due to an overseas tour in XXXX XXXX ( Military ). Which I have orders to prove tour.A couple of months into my tour in XXXX I attempted to lift the suspension on my account to attempt to connect service where my dependents were staying in CA.When I tried to open the account back up my account could not be found.On XX/XX/XXXX, I opened a new XXXX XXXX account ( Account still active and still in good standing ) and made several attempts to rectify the issue having to do with the account suspended in XX/XX/XXXX.No information could be found on the suspended account. On XX/XX/XXXX after the current account had already been opened I received a letter from XXXX XXXX stating that my account had been sent to collections ( Already having a current account ). Upon receipt of letter I attempted to call XXXX XXXX directly to rectify the issue and it turned out that my information on the first account had been annotated completely wrong.Making it troublesome for me to be able to relocate my past account. When I was speaking to the representative the rep told me that there was nothing they could do, but that I could pay my account to rectify the issue.My wife 's name was completely wrong, my name was completely wrong, and my SS # had been annotated wrong by XXXX digit.This was a mistake on the provider 's part not mine.As of now, the " delinquent '' XXXX XXXX account negatively affects my credit even though I have a current XXXX XXXX account in good standing.
Complaint sub-issue: Didn't receive enough information to verify debt

I have been violated by XXXX on XX/XX/2020. This is the second time I am filing a complaint about the same issue. I am a victim of identity theft and did not give permission to anyone for assumed access to my information. The effects of this matter have been causing me severe health problems and difficulties in my marriage. Equifax is now negligent in failing to comply with

t he U.S. Codes of Law. I know my rights and am protected under the following laws by the United States Court of Law : 15 U.S. Code 1681n 15 U.S. Code 1681o Please have this inquiry removed from my credit report.