Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

In XXXX of 2021, I obtained via the website for LendingClub, a payoff amount for an installment loan. The payoff amount quoted was {$15000.00} and was paid in full, on XX/XX/2021. 

In XXXX of 2021, I received an email stating I was 74 days past due for an amount of {$1300.00}. I immediately called and spoke with multiple representatives, who initially refused to provide me with account information, as there was allegedly a POA in place. However, that POA had been removed less than 30 days after it had been initiated, in XXXX of the year prior. 

After several weeks, the investigation concluded that I did not have the appropriate information available to me, to know there was a remaining balance, when I'd been provided a payoff amount, via the LendingClub website and that I should have been notified BEFORE I was 74 days past due. The result of their investigation was to report a 30 days past due and a paid in full status.

This resolution is unacceptable for multiple reasons.

1. I was never late. I paid the entire account balance in XXXX. 
2. It took more than 4 months to notify me that there was a balance, and I received it ONLY after derogatory information was erroneously reported to the credit bureaus.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX XXXX MAILED A PAYOFF TO PNC BANK FOR MY AUTO LOAN {$24000.00} & PNC RECVD THE CASHIERS CHECK ON XXXX XXXX & CASHED THE CASHIERS CHECK as of XXXX XXXX & PNC STATED TO ME OVER THE PHONE THAT PNC RCVD THE CASHIERS CHECK XXXX XXXX & DID NOT CASH THE CASHIERS CHECK & SAID PNC RETURNED THE CASHIERS CHECK TO XXXX XXXX XXXX UNCASHED, HOWEVER XXXX XXXX XXXX HAS A COPY OF THE CASHED CASHIERS CHECK WHICH XXXX XXXX XXXX SUBMITTED TO ME AS PROOF OF CASHIERS CHECK CASHED BY PNC BANK/I HAVE FILED A PETITION XXXX COUNTY CLERK OF COURT, XXXX COUNTY FL CIVIL CASE AGAINST PNC BANK FOR FRAUDULENT BILLING PRACTICE AGAINST ME THE PLAINTIFF XXXX XXXX XXXX CASE # XXXX
Complaint sub-issue: Information belongs to someone else

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX  XXXX {$2800.00} XXXX XXXX   XXXX {$760.00} XXXX XXXX {$370.00} XXXX  XXXX XXXX {$160.00} XXXX   XXXX {$3100.00} COLLECTIONS XXXX {$25.00} XXXX   XXXX {$400.00} XXXX XXXX {$810.00} XXXX XXXX {$500.00} XXXX XXXX {$790.00}
Complaint sub-issue: Frequent or repeated calls

This is not a debt I owe. This is money owed to me from a debt collection agency. 
On XX/XX/2018 I sent a letter to XXXX XXXX of XXXX ( XXXX XXXX, DBA EOS XXXX,XXXX XXXX XXXX , XXXX , MA XXXX-XXXX ). They had sent me a refund check for {$170.00} that bounced. I requested a replacement. Months later I contacted the XXXX XXXX XXXX of XXXX. Complaint was closed then re-opened several times. Still no refund. 

I understand this is a small amount, but it means a lot to me. This company is not accredited by the XXXX and has been lawsuits pending.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX verified yesterday a collection account, XXXX XXXX XXXX, account number XXXX.This account also appears on XXXX  and Equifax and has been verified by those two bureaus although they are in reinvestigation at the current moment.This account should not appear at all on my report as I was covered by insurance XXXX XXXX XXXX.I previously filed CFPB complaint XXXX against XXXX XXXX XXXX who responded that the original creditor said I was uninsured but they were still investigating and would respond later yet they are still verifying this debt with all 3 credit bureaus as correctly reporting.The following is what occurred : I received a XXXX XXXX XXXX on XX/XX/2014.In order to have the required XXXX I had to apply for and receive and have verified XXXX  coverage.I did so and had the successful XXXX at another hospital other than the original creditor here. The insurer also said that ALL MEDICAL TREATMENT RELATING TO MY LEG WAS COVERED as was this billing here related to my XXXX XXXX.I would like this error deleted from my credit reports
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I reached out to Equifax customer service several times to resolve the fraud issues with inquiries on my credit report. There was an fraud placed around XXXX XXXX and one had been on there before that. Due to all the data breaches the company has had. My information is on the XXXX web and someone had used my information to open an bank account and tried to get credit cards and vehicles in my name. I tried to get the inquiries removed but I was being given a hard time and I faxed over fraud records but nothing happened.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Date of transaction:XXXX The amount of money that I paid : {$1100.00} The company is Visible. 
The company sent the device and they did not arrive. They just said that they delivered the device without my signature. I contacted with the visible company and they asked me to uploaded the police report and I have uploaded the report and they denied to refund with no reason. They even deleted my account with no reason. I tried to talk to them and they did not seem to want to solve this problem and just cheat themoney!! I was so angry with this kind of company! I tried to claim on XXXX  and XXXX told me that visible has already claimed from them. So visible claimed the lost iphone from XXXX  and they did not refund me? What are they doing??? And also discover told me that they received a tracking number showing full proof of delivery to the shipping address, this shows the merchant has fulfilled their obligation to get the product to you. They did not consider the police report and other document. I was so angry about what they are doing!! They asked me to upload the document but did not consider at all.
Complaint sub-issue: Other problem getting your report or credit score

I am working on applying for a mortgage. The lender is unable to pull my credit report from XXXX and Equifax. The lender is however able to pull my credit report from XXXX. I have worked extensively with both XXXX and Equifax to verify all of my information is correct, ensure there are not holds or freezes, yet the lender is still unable to pull my credit. I have verified all the information my lender has is correct. Neither XXXX nor Equifax have made any effort to help me resolve this problem but it is clearly something wrong with their system.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX account # XXXX ( XXXX XXXX ) ( three accounts ) XXXX XXXX XXXX  also has violated my rights They have also violated my rights by having 152 inquiries on my credit report without my written instructions 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 I also have disputed all this information about three times due to my identity being stolen and someone opening up accounts in my name and applying for accounts and services
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Complaint sub-issue: Information belongs to someone else

In accordance with the Fair Credit Reporting Act 15 U.S. Code 1681c2 - Block of information resulting from identity theft. I did not sign any contract with a collections agency, I am not legally obligated to them. The items below have violated my rights. 

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

On XX/XX/2019, I contacted Equifax to find out why potential creditors were not able to pull my report. I inquired if there was still a consumer placed freeze on my account ; I wanted to remove it, if so. I was asked to verify my name, social security number, date of birth and address. I confirmed all of the above. I was placed on hold and the gentleman came back and told me that he was not able to release any information from my credit file to me. I asked why they were not able to verify my identity, when I just verified all pertinent information. He told me that the system is telling him this without an explanation. I asked to speak with a supervisor. The supervisor got on the phone and advised me that she could not provide any information to me. I again asked why. She told me the same. After I exhausted myself to no end with the situation, I asked what they needed from me beyond what they already have on file from numerous correspondences that I sent in the past with my State ID and social. 

She advised me that she needed a state ID with an updated address and updated phone number. If my ID address was not current that I needed to send her a utility bill. She wanted something to show where I live. I advised her that she is not entitled to that information. She only needed information that verified who I am. Social, State ID ( updated or not ), name and date of birth. She argued the point and left me feeling blackmailed in the situation. I felt that if I do not send them personal information that is outside of the boundary of ID verification, I will not be given access to my credit file. Meanwhile, I have received adverse action on credit applications due, in part, to the fact that they could not access the file from Equifax. I attempted to receive my credit report through the phone system and was also denied due to " verification '' issues. 

I am willing to send State ID, which bears my date of birth, alone with my social to them. However, I do not believe that asking for my current address and phone number are pertinent pieces of information to verify my identity. Furthermore, I believe that withholding the content of my credit file and score are violations of my legal right to access my credit file, especially following adverse credit decisions. 

I filed a previous complaint when they stopped reporting on XXXX XXXX, since I disputed many items on their report. This has been an issue since then. The complaint was closed, but not resolved. I am looking for a true resolution ... .someone to really look into why I am being denied information in my own credit file.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX, Equifax and XXXX are showing incorrect and inconsistent information. The false and inconsistency is in regards to the reporting of late payments. 

One agency will say it was late on XX/XX/XXXX but say it was paid on time on another agency. Vise versa with XX/XX/XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX BANK XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX ) XXXX XXXX XXXX OF Inquiry date : XX/XX/XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX, XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX PO # XXXX XXXX, VA XXXX XXXX date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX PO # XXXX XXXX, VA XXXX XXXX date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX ) XXXX Inquiry date ; XX/XX/XXXX XXXX XXXX Original creditor : XXXX XXXX CABLE Account number XXXX XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MAIL C XXXX, GA XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry date : XX/XX/XXXX SERVICE FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX SUITE XXXX XXXX XXXX, CA XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ) XXXX XXXX XXXX po box XXXX XXXX, TX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ) XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Didn't receive services that were advertised

At the end of XXXX calendar year, I started to look for my first apartment since I just got hired for a new job I started to use Credit Karma to track my credit score and see the information on my credit report. In the next couple of months, the pandemic hit, and everything was shut down. I started receiving emails and notifications stated that I was pre-approved for credit cards and personal loans, but I didn't act on the offers because the pandemic shut everything down. When things started to open back up, I started to go out and apply for apartments but found out that I did not have enough money to cover the cost of payment for first and last month rent and security deposit. Also, I had to cover the cost of moving which included the cost of the rental truck, tolls, gas, and moving equipment. I went to Credit Karma to get a personal loan for XXXX and apply for credit card for XXXX since they said I was preapproved. After the application process I was turned down. This was very disappointing, and I could not get the apartment that I was trying to acquire. This also put hard inquires on my credit score and ended up bringing my score down which brought on more anxiety. After that I stopped using Credit Karma as I did not trust the notifications or the emails. I had to get a personal loan with high interest to get cover cost.
Complaint sub-issue: Public record information inaccurate

XX/XX/2019 I called LexisNexis and told them they incorrectly reported to an insurance company that I had a federal tax lien. They told me there was nothing that they could do about it. I do not have a federal tax lien and do not want it reported that I do.
Complaint sub-issue: Problem accessing account

I FINALLY WAS ABLE TO LOG INTO ONLINE ACCOUNT AFTER I WAS DENIED BOTH ACCESS ONLINE AND BY PHONE WHEN I FIRST OPENED ACCOUNT. THE LAST TIME I SUCCESSFULLY LOG IN WAS XX/XX/XXXX. I HAVE NOT MADE ANY ATTEMPT TO LOG IN OR EVEN CALL SINCE AND NOW ALL OF A SUDDEN I GET THIS EMAIL STATING MY ACCOUNT IS SUSPENDED DUE TO MULTIPLE FAILED ATTEMPTS. I DO NOT KNOW WHAT IS GOING ON WITH THIS INSTITUTION BUT I AM TIRED OF THIS FOOLISHNESS AND FEEL I SHOULD NOT HAVE TO LOG IN ANYWAY! WHY CAN'T I JUST CALL LIKE I DO WITH MY XXXX PERSONAL ACCOUNT OR LIKE WITH XXXX XXXX. THIS TACTIC OF FORCING SOMEONE TO REGISTER FOR THIS VIOLATING ONLINE ACCOUNT WHEN OBVIOUSLY THERE ARE BREECHES INVOLVED IS BOTH XXXX AND DISCRIMINATORY AGAINST THE ELDERLY AND/OR POOR WITH LIMITED ABILITY TO WORK COMPUTERS OR ACCESS TO EVEN INTERNET SERVICE! I SIMPLY WANT TO JUST CALL TO CHECK MY ACCOUNT AND FEEL I AM DENIED ACCESS TO MY OWN ACCOUNT BECAUSE THESE BEINGS KEEP SUSPENDING BOTH ONLINE AND BY PHONE ACCESS!
Complaint sub-issue: Information belongs to someone else

I believe I am a victim of Identity Theft. I pulled my reports from all three credit bureaus recently and they all had accounts that I did not recognize as well as inaccurate personal information.
Complaint sub-issue: Personal information incorrect

I have asked the credit bureaus to stop reporting wrong or mis-leading information on my credit report. My name is XXXX XXXX and my address is XXXX XXXX XXXX, XXXX, NC XXXX. I sent in a copy of my license with the correct spelling of my whole name and date of birth. 

I also sent in a copy of a bill to show my address. I do not know any of the other addresses, nor am I associated with any of the other addresses that's being reported. 

I have asked the credit bureaus on numerous times to please validate, as well as investigate the accounts that they're reporting to be mine and delete the ones that are not mine. I also asked for the validation procedure because I have not heard of these accounts.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX-2012 Not my account Fraud account identity theft
Complaint sub-issue: Didn't receive advertised or promotional terms

Opened a CitiBusiness AAdvantage card on XX/XX/2020. There was a sign up bonus offer of XXXX XXXX XXXX miles if I met the minimum spend of {$4000.00} withing 3 months. I met the spending threshold within the 3 months ; I never received the signup bonus. I have spoken with Citi on 12 occasions to discover and remedy the problem. Citi bank claims I already received this sign up bonus, but they have confused my business with my XXXX XXXX  business since we operate out of the same address. I eventually got their business team to agree that they made a mistake, but it appears someone on their side " dropped the ball '' any they are still refusing to award my bonus.
Complaint sub-issue: Attempted to collect wrong amount

I have a repo for an auto loan but I never received the amount that say they sold the car for. On my credit report it say about XXXX but when I talked to someone the said XXXX. I want proof of the correct amount the car was worth and sold for. If not I would like it removed from my credit. I also dont think I should have to pay XXXX in interest. Please help
Complaint sub-issue: Funds not received from closed account

I was alerted by the fraud dept on the XXXX of XXXX after I withdrew some funds, they said there is suspicious transactions on my account and when I called in, they asked questions about said transactions which I answered. Next they said they are gon na put my account under review for 24 to 48 hours. In less than 48hours I received an email from the bank saying my account is been closed. They didn't give me a reason, it's over a week and i have not received any form of letter and i dont know when am going to get my money back.
Complaint sub-issue: Don't agree with the fees charged

In XXXX I placed a loan that was past due into hardship forebearance with sallie Mae. At that time I was told they needed a {$50.00} good faith payment and were only able to do one month but to call back after 48 hours and they would be able to extend it out to the 3 months total. I did that and everything was good. In XXXX, the same situation arose, I did the 50 good faith payment and was this time told to call back before XXXX to do an extension. On XXXX, o called back. Suddenly, that can not be done and they want another {$50.00} to do a forebearance this time for 3 months. I had to pay it to get the forebearance but have now paid them XXXX dollars for forbearances on this loan. Which according to their website is the maximum I should have to pay on this loan, yet I have 5 months of forevearance left should I need it and I was told it would be an additional 50 each time I request forebearance in the future. That would equal XXXX dollars not XXXX. Furthermore, there is information out there that states back in XXXX the company stopped asking for the 50 payments at the time forebearance was requested.
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX : {$110.00}
Complaint sub-issue: Problem with fees

The company failed to maintain the autopay amounts on my Sears credit card account. This resulted in the following fees/finance charges being accessed to my credit card account. 

I have attempted to resolved the issue with the bank directly. They have failed to properly resolve the complaint. Please refer to attached file for a complete description of issue.