Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Other problem

Hello, I got a visa prepaid car with XXXX a few months back. Out of the blue they close my account which I don't really care. But when I ask for a refund for the remaining balance they started blackmailing me into showing them various documents in order to get a refund. Then I started posting negative review on line when I saw other consumers complains about the same thing. Specifically when a merchant issues a refund they use it to lie about suspicious activity and then steal consumers money. 
So it is their ongoing fraudulent practice which of course is illegal. Can you please assist me with this? Is not so much about the money as to why should they be allowed to steal and blackmail consumers in this manner. Also they are not a legitimate business and they commiting fraud so of course they are not trustworthy to be shown any document or info about me because their purpose is not legit. Thank you.
Complaint sub-issue: Personal information incorrect

On XX/XX/21 I submitted a letter disputing my personal information as there was inaccurate information being displayed on my credit report. They never corrected the problem or responded. I sent another letter on XX/XX/21 for the same issue. They have made no changes despite my multiple requests. Due to the fact that identity theft is at an all time high, it is important that these variations of my name, address and place of employment are removed and my personal information is displayed correctly. My information was also impacted by the Equifax Data Breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Their investigation did not fix an error on your report

I started asking for a copy of my Promissory Note with my original signature on it since XX/XX/XXXX from XXXX. I 've gotten several responses but none satisfied my initial request ; i was given a computerize signature connecting me to these alleged loans. So after getting no proper response from XXXX, i sought out the credit bureaus from help on retrieving the proper documents. On XX/XX/XXXX the first dispute letter was sent through the credit bureaus dispute portals online, XX/XX/XXXX & XX/XX/XXXX XXXX & XXXX was sent via certified mail equifax online dispute portal, XX/XX/XXXX all was sent certified mail, and the 4th and final letter was sent XX/XX/XXXX via online dispute portals. All the credit bureaus responses were the same as the info report was accurate and could not be deleted. All certified mail was notarized by notary service.
Complaint sub-issue: Personal information incorrect

Inaccurate info listed in background report under County Searches section. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect. I have never lived in XXXX XXXXXXXX XXXX I have only lived in XXXX XXXX my entire life.
Complaint sub-issue: Their investigation did not fix an error on your report

I filed a police report for identity theft because there were items reporting to my credit report that were not mine and illegally opened under my name and reporting. I sent my dispute letter out with the police report and they have still not removed these items.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have been trying to contact Equifax and the companies involved about these inquiries on my credit report but im not getting anywhere.When someone open an account in my name it was Equifax, XXXX or XXXX job to see the red flags. I have 40 inquires with Equifax and I 've called over and over to have them remove but lately because of their breach. I cant seem to get anyone on the line. Anyways I 'm writing again to let someone know that the following inquiries were not made by me ... 

XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXXInquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX   Inquiry from XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

The IC systems company has taken longer than 30 to resolve or respond to a dispute on my credit report causing me to look as if I am not responsible. This debt is from XXXX  which is past the statute of limitation to report. I have been fixing my credit for 8 months and this company come and puts this information on my report as an open account. That is a false statement and a violation of the FCRA. IC systems and XXXX are playing the blame game with saying that they reported it to the bureaus to take it off and the informaation would be sent back to the original creditor. Well that never happened. I had plans to get a vehicle for the summer and got denied credit due to this erroneous informaation being reported and now I have lost points and credibility. My integrity and my character has been blemished due to the negligence of this company. I spoke to XXXX on Friday XXXX XXXX and he stated that there will be a letter sent to XXXX  to update the information and the account should be removed. It has not been done til this XXXX day of XXXX. There were 2 accounts that were charged off and were reported as open accounts. 
This has caused me grief during the pandemic crisis. I have worked so hard to get my credit in good standings and for this company decides to put erroneous information on my report and now my rates are shooting out the roof with high interest rates. I am paying more my mortgage than I have to due to my credit score being lower than it suppose to be. I lost total of XXXX points for the negligence of this company, I want this company and XXXX  to pay for the damages for my pain and suffering. I spoke to XXXX and they stated that they never recieved notification to remove this account. At this point I have lost time that I can not get back.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. Equifax failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
1. XXXX XXXX XXXX XXXX Balance : {$6000.00} 2. XXXX XXXX Balance : {$290.00}
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im 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 30days 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 and updated or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Information belongs to someone else

XXXX, Nelnet, XXXX, XXXX Bank, and XXXX XXXX has been reporting fraudulent activities on my credit report. I reached out to each one XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. I also reached out to each bureau those months as well. 
XXXX, XXXX XXXX XXXX XXXX XXXX have been reporting debt on my credit report thats isnt mines. I have sent the collections agencies letters and the bureaus letters. I have spoken with the collections agencies & bureaus. I have not received any results. Each credit bureau said over the phone that I dont own the debt but until the collection agencies send an electronic authorization number for it to be remove it will not fall off until XXXX. This fraudulent debt has been on my credit report since XXXX. Each bureau keep illegally updating these fraudulent accounts. Ive asked numerous of time for them to validate the debt. They wont prove its mines. XXXX XXXX or XXXX has not responded back. XXXX, Nelnet, XXXX, XXXX bank XXXX XXXX XXXX XXXX has not responded back either. XXXX responded but did not validate or verify any debt. They updated the report as if its mines and dropped my points by XXXX.
Complaint sub-issue: Information belongs to someone else

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. DEPTEDXXXX   XXXX {$2300.00} DEPTEDXXXX XXXX {$4000.00} DEPEDXXXX XXXX {$2300.00} DEPTEDXXXX XXXX {$7300.00} DEPTEDXXXX XXXX {$1400.00} XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX {$910.00}
Complaint sub-issue: Was not notified of investigation status or results

There is a glitch in my credit file at Equifax. When I applied at the bank I got a denial letter. It was stating that I had a lot of negative items on my credit report, They only use equifax and penfed does not pull XXXX or XXXX. My score is down to XXXX. I do not have any negative information in my Equifax credit report.but when i run my application on the compurter and penfed is processing my application it ends up pulling more items on my credit report that is not mines. I even got a case number from one of the Equifax guys. He told me I should hear something in three days This is the ticket and case number. XXXX. I've been hung up on. I've been reaching out to equifax for the last couple of years. Its not fair to have my life on hold because equifax will not get to the bottom of my concerns. it against the law to have my file not properly working? Not keeping up with the accuracy of my records? Equifax should be making sure that everybody records are accurate as possible. I have called over a 100 times through out the years. Its not my fault equifax cant fix the glitch in my file.
Complaint sub-issue: Information belongs to someone else

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Confusing or misleading advertising about the credit card

i paid them off in XX/XX/2020 and they are not givng me back the 1rst loan i took out of a credit builder cd and now their threating to hold all my funds and not pay. at this time i paid over XXXX dollars in interest and fees and now they holding my funds hostage i send them my id and they still dammand more and mroe as they rack up internist payments and not giving em a dime. XXXX XXXX aka XXXX XXXX is committing fraud and imbeselment. here is the off the cuff email they sent me " If you close the account without sending the documents the payout will be frozen. Please confirm you want to close the card. '' Please let me know if you have any questions. 

Best,
Complaint sub-issue: Information belongs to someone else

This account listed is not my account please remove asap XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Account # : XXXX
Complaint sub-issue: Was not notified of investigation status or results

I filed a dispute to XXXX, a account on my credit report was older then 7 years I used credit karma to do the dispute and it said by XX/XX/XXXX I should have a answer which I did not so I called XXXX they claim the account was already removed, credit karma failed to notify me or update there records
Complaint sub-issue: Confusing or misleading advertising about the card

The following reprinted advertisement is a lie. I have not been able to contact any direct express customer service agent over the phone. The mobile app and the web site are not adequate to address my concerns. A high call volume is no excuse for not being able to get through to a customer service agent or being hung up on. This is outrageous and my money is being stolen. By the time this letter arrives and is processed how much money will be taken out of my account? This has always been an issue with Direct Express for all the years I have had the card. NOT using the card does not resolve the issue. 

I am having an issue with unauthorized withdraws from : XXXX XXXX XXXX XXXX XXXX d/b/a XXXX # XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX XXXX XXXX XXXX Already have a Direct Express card? 
For all questions related to the Direct Express card, cardholders should call : Customer Service XXXX Customer service is available 24/7 We handle calls related to : Reporting lost or stolen cards Balance inquiries PIN changes Transaction history requests Registering a complaint about a card issue Questions about card usage Questions about international card usage You can also write to us at : Direct Express, Payment Processing Services. XXXX XXXX XXXX XXXX XXXX, TX XXXX What good is this ad if you can not get thru. Plus you don't get a routing number and you can not update anything with out a customer service rep.
Complaint sub-issue: Personal information incorrect

Multiply letters send about this issue and a few other and the credit bureaus never respond or follow up
Complaint sub-issue: Account opened as a result of fraud

Scammed using my social security number to open a checking account and tried to open a credit card which was declined!
Complaint sub-issue: Problem with customer service

On XX/XX/18, a transaction in the amount of {$5200.00} was charged by a company we hired to install a whole house generator. The company took the money and did not do any of the work. We disputed the charge with our credit card company who immediately refunded our money while they investigate. They asked for a statement which I provided. They denied our dispute, stating we " received the services represented by the transaction '', which is entirely false. We appealed their decision, only to be told that we did not provide proof of our claim. They are asking us to prove a negative. We have to prove that we DID NOT receive the " services represented by the transaction ''. We asked them for their proof on how they reached that decision, and we were ignored. Any help would be greatly appreciated.
Complaint sub-issue: Debt is not yours

I leased a vehicle from XXXX XXXX XX/XX/XXXX, financed with XXXX XXXX. XX/XX/XXXX was the lease end and dealership gave me options to buy, sell or re-lease. I chose to re-lease another vehicle same day I returned the XXXX car. I payed {$990.00} as down payment and had a new lease starting XX/XX/XXXX. I would have never re-leased another car if I knew I had to pay {$13000.00} for returning the XXXX car. I payed it every month and did not miss a payment. I do not know where this amount is coming from. It states about {$4000.00} was written off and I owe the remaining balance? I do not owe anything on that XXXX car. I re-leased another car and that was the deal I chose when I returned the XXXX car and the lease for that car ended. I have disputed this with the debt collection companies for this account.
Complaint sub-issue: Problem with personal statement of dispute

XXXX agreed to remove me from their database and not to wait 5 years, if my banks XXXX XXXX. and Citi Bank intervene and tell them to remove me, since I payed the balance of {$330.00} to Citi Bank and {$850.00} to XXXX XXXX. However, nobody took steps into correcting this and removing me from the database so I can get my life back.
Complaint sub-issue: Information belongs to someone else

In XX/XX/2021 I noticed a fraudulent personal loan account for {$500.00} from MoneyLion was showing on my credit bureau reports. I immediately contacted MoneyLion and they started an investigation. 

On XX/XX/2021, I received a letter from MoneyLion stating the account was opened fraudulently and closed as a fraudulent account on XX/XX/2021. I'm attaching a copy of the letter from MoneyLion.

Today, XX/XX/2021, I received notification from XXXX that this fraudulent account is still on my credit bureau reports but is also now reporting that it is delinquent. 

Please remove this fraudulent account from my credit bureaus, I also sent another email to MoneyLion telling them they need to remove it.
Complaint sub-issue: Received bad information about your loan

I had a FFEL loan, although I didn't know it because XXXX was deceptive in their communications. So I refinanced with FedLoan to get my PSLF credits going. I followed all the directions provided and obtained forms from four previous employers with eligibility for the temporary PSLF program. It took some time to obtain these forms, and then three months after I submitted them to FedLoan, they informed me that they did not accept the forms I submitted without providing any details about what " additional information '' was needed on which forms, or how I could go about submitting whatever " additional information '' they demanded. 

In another development, I was expecting that after making now 20 years of payments under Income Based Repayment plans, I would be getting Loan Forgiveness based upon that 20 years of payments ( not requiring Public Service ). FedLoan has not responded in any way to my inquiries about that form of Loan Forgiveness. Instead, FedLoan has informed me that instead of being eligible for the PSLF program after 10 years of qualifying payments ( would be in XXXX  ), I will be required to continue payments until I reach age XXXX in XXXX  because I obtained a terminal degree! 

It is abundantly clear that FedLoan is not interested in fulfilling their contract with the US Department of Education. Instead they are interested in getting out of the Student Loan business as soon as possible and without completing any of the responsibilities that they have to the citizen taxpayer students like me and countless others.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is currently reporting an incorrect account on my credit report. Equifax is reporting uplift account which is not reported on my other two credit reports because the account is incorrect. Equifax incorrect reporting is negatively affect my credit and is causing me undue financial XXXX. Made a previous complaint and Equifax closed the compliant on basis that they could not verify my information therefore I am submitting this compliant with my ID and any other verification they may need.
Complaint sub-issue: Debt is not yours

XXXX XXXX. 
They have multiple times stated that its been verified but they havent shown me any documentation to assist in where to dispute next. There is literally no way they can prove something that didnt happen did!
Complaint sub-issue: Their investigation did not fix an error on your report

I've sent letters to the companies to who tries to collect a debt that's not mines. I asked for the original creditor and gave them 30days to verify the debt. No one did so they keep reporting the debt and lying to the credit bureaus Bout the debt being mines. I asked for proof, also 2 different companies has contacted me about the same debt. They change the date, payments and close and open it for how many times they want. They are hurting my credit score and I'm in need of help and also a victim of identity theft.
Complaint sub-issue: Debt is not mine

afni debt collection company contacted me in XX/XX/XXXX about an XXXX bill that is not/never was mine, dated XX/XX/XXXX 

Appears to be a mail order for a telephone that was delivered to a person with the same first & last name as mine ( very common one ) @ a XXXX address. 

I have lived in different state since XX/XX/XXXX, during which time I have not had an XXXX acct. or purchased anything from XXXX. I so notified Afni, Inc. when I first heard from them, but just received another dunning notice. 

This temporarily affected my excellent credit rating w/ XXXX XXXX before I was even notified of this bogus charge, which is utterly unacceptable.
Complaint sub-issue: Information belongs to someone else

Stolen identity fraud account open in my name XXXX XXXX  XXXX also known as XXXX XXXX Opened XX/XX/17 Account number XXXX Amount XXXX
Complaint sub-issue: Account terms

I had a credit card with XXXX XXXX several years ago, it is reported on my credit report as XXXX separate accounts. Yes I know I need to repay it, but XXXX bad items vs XXXX is killing my score.
Complaint sub-issue: Reporting company used your report improperly

Im accordance with the fair credit reporting act XXXX  account numbers XXXX, XXXX, XXXX, XXXX violated my rights. 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 states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Problem with customer service

I have had fedloans since XXXX I am now with XXXX since XX/XX/XXXX fedloans has removed some of there loans off my credit I have been fighting with them to remove the rest off of my credit and they are not removing it I did send in proof through XXXX and they keep denying it this is be owing really ridiculous and frustrating because XXXX will be putting my loans on my credit soon and I do not want two different student loans on my account because all of my loans are now with XXXX
Complaint sub-issue: Reporting company used your report improperly

I am a federally protected consumer under title 15 chapter 41 ; NEVER GAVE any credit reporting agency written consent to report anything on my consumer report 15 U.S Code 1681b ( a ) ( 2 ), No consent is Identity Theft. If all accounts are not removed ; the consumer is owed actual damages under 15 USC 1692k.

In light of these violations of my consumer I've sent certified mails to all three credit bureaus with tracking numbers to attest the validity of my claims. 

XXXX  ( Tracking # XXXX XXXX The item was delivered to an individual at the address at XXXX XXXX on XX/XX/2021 in XXXX, TX XXXX. 

Equifax XXXX Tracking # XXXX ) The item was delivered aXXXX XXXX XXXX on XX/XX/2021 in XXXX, GA XXXX. 

XXXX  ( Tracking # XXXX XXXX The item has been delivered to an agent for final delivery in XXXX, PA XXXX on XX/XX/2021 at XXXX XXXX. 

In my attached files are copies of the law.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I called on XX/XX/XXXX to fix a reinserted account into my equifax credit report. On XX/XX/XXXX they deleted this very account. On XX/XX/XXXX its back on and I called to dispute. As soon as I called to dispute my report goes down XXXX points. They do this everytime Im near a XXXX credit score. The only changes to my report were a lowered credit usage and remarks were taken off of accounts. I complained literally last week that they took off points for adding remarks. So now for remarks theyre taking off points for adding and removing. Its seems to be done when ever Im close to XXXX. This is criminal. The collections account of XXXX XXXXXXXX XXXX  was reinserted a week after taking it off. The FTC report was provided. The thing about this is that equifax will take off points for no reason and then add points for removing the collection. They wont give back any of the points they incorrectly removed. So it leaves me within the same range that Ive been in for the last few months.