Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Personal information incorrect

In XXXX of XXXX I attempt to get a HELOC to purchase an investment home. I needed to update the credit bureaus to reflect my new name. XXXX and XXXX both updated the information in a timely fashion. Equifax, sat on my information until it was " too old '' so I had to resend them new information. This was on XX/XX/XXXX. I called yesterday ( XX/XX/XXXX ) to check to see if they had updated my information and the representative I talked to stated they had not received it. Well, I sent them XXXX faxes, with the same information since they neglected to take action on the first fax sent back in XXXX. We are going on 5 months now and they are the only agency that hasn't updated my information and are prohibiting me from using my credit to purchase a home. I am a XXXX veteran and a United States Citizen. Im simply asking for my information to be updated ASAP. Ive played the " it'll take up to 5 days to input your information '' game twice and as stated above we are on month 5. If this doesn't resolve the issue I can only assume my next course of action is a legal one.
Complaint sub-issue: Didn't receive services that were advertised

In response to the disgusting Equifax data breach, over the past two days ( XXXX XXXX and XXXX, 2017 ) I have been trying to institute fraud alerts and credit freezes on XXXX, Equifax, and XXXX. Although I have called and logged on multiple times at various hours, I have been unable to complete the requests - their systems just say " Unable to complete your request at this time. '' and the " customer service '' operators have referred me to various other phone numbers that just refer me back to the original numbers ( the classic run-around ). Any agency that collects such vital and confidential information on almost every US citizen should be required to develop and maintain robust security consumer response systems. Our data is now " out there '' forever - we ca n't change our Social Security numbers or birth dates so we face identity/credit theft forever, too. I hope that our governmental representatives will fully investigate this failure by Equifax ( including why it took almost 2 months to reveal the leak ) and require solutions that prevent such security breaches and provide consumers with ongoing protection not just for a year, but forever, no matter what the cost to the credit agencies.
Complaint sub-issue: Information belongs to someone else

There are a lot of fraudulent information in my credit report. Examples are unauthorized inquiries and inaccurate or outdated accounts. This is damaging my credit and violates FCRA.
Complaint sub-issue: Account status incorrect

My car was totaled in XX/XX/XXXX and had a loan with Ally Financial. The insurance mad their payment on my behalf for the value in the amount of {$7300.00} in XX/XX/XXXX but was not processed to my account until XX/XX/XXXX ( which caused with inappropriate fees/interest ). In the meantime of processing this insurance payment, Ally had turned off my automatic payment for those months without my consent or notification & there were also points where the would not let me access my account. Throughout this time I was trying to get them to adjust my payment to when it was made properly and was run around in circles in their customer service department. No one had seemed to know why this was going on and no one seemed to care. 

In XX/XX/XXXX, Ally reversed my insurance payment ( for a reason I am not sure of ) and then in XXXX they had reported me to the credit bureau for being delinquent as of XX/XX/XXXX. Per my credit report, it caused my score to drop by around 100 points. Also worth noting that my mother cosigned my loan and she was also falsely reported to the bureau as well and since then she has cosigned a loan for my brother and likely received higher interest rates due to this. Since then, I have been dealing with their executive customer service group where they have been working to figure out why my insurance payment was reversed, as well as my payments I had made were not being applied to my account. In XX/XX/XXXX they reapplied by insurance payment to my account but I have no visibility into the adjustments they have made on my account to adjust for interest, fees, etc. Additionally, they had informed me that when this was adjusted that the next steps would be to work with the credit bureau to make the adjustments to both my balance as well as the delinquency status that was reported. 

As of XX/XX/XXXX, I finally had received confirmation that I will have the following things happen within two weeks of the phone call and was told I would receive a letter in the mail, as well as a personal phone call from Customer Service : 1 ) Remaining balance waived based on my severe inconveniences 2 ) Ally would submit a ticket to the Credit Bureau to adjust my credit score for the balance and delinquency status for both me, as well as the cosigner to the my loan.

Since then, I have called at least three times there has been no one that is answering my calls anymore and I have not received anything in the mail related to my account in regards to the balance and false credit reporting status. It is almost XX/XX/XXXX ( almost three months since I got confirmation ) and my balance and delinquency status is still reported incorrectly. 

I have been dealing with them for over a year for an auto loan on a car that has been totaled, 9 months since I have been trying to have them adjust the insurance payment, and it has been almost 4 months since I have been trying to resolve the balance and credit reporting issues. I have been more than patient with them and I do not see an end in sight.
Complaint sub-issue: Billing problem

On Saturday XX/XX/XXXX I paid {$460.00} via my XXXX bank account 's online bill pay option ; this payment was issued to BB & T for my auto loan. The funds were transmitted to BB & T via ACH/direct deposit/electronic transfer on Monday XX/XX/XXXX. The funds should have been credited to my loan balance as being received on TuesdayXX/XX/XXXX, however BB & T claims to never have received the payment. 

After I received several collection calls from BB & T with regard to this payment, and after I explained the issue to a different rep each time, I eventually obtained a fax number and was directed to send proof of the electronic payment so that BB & T could research the issue. I obtained this proof of payment from XXXX and faxed this support to BB & T, along with a brief explanation of the issue, on Thursday XX/XX/XXXX. 

I did not hear back from BB & T until the collection calls started again, approximately a week after I sent in my proof. At that time I spoke with a BB & T rep by the name of XXXX XXXX who advised me to send the proof of payment again, but to also send my bank statement showing the completed transaction was drafted from my bank account. I completed this action on Thursday XX/XX/XXXX by sending another fax of the requested documents, along with a more detailed letter outlining my complaint, facts of the matter, enclosures and my request for resolution. 

Today, XX/XX/XXXX, I called BB & T for a status update because my loan balance still does not reflect the missing payment as being received. After speaking with 3-5 different reps, I reached XXXX in the Collections Dept who advised me that recent notes on my account state that BB & T found my supports insufficient and that they now need a copy of the paid check. I explained to XXXX, as I had done in all of my prior contacts with BB & T, that the payment was electronically transmitted to BB & T and that there was no check copy, only the transmittal and trace information which is located on the proof of payment from XXXX. XXXX asked me to email her a copy of the supports I faxed on XX/XX/XXXX so that she could escalate this issue to the appropriate team. 

It has now been approximately 44 days since BB & T should have credited my loan balance with the {$460.00} payment, yet they still have not. I have provided them with supporting information three times now, counting my email this afternoon. I am sure BB & T has charged me additional interest during this time to punish me for this missing payment but this is a processing error on their end ( or on XXXX, however XXXX insists the transfer was completed since the transmittal and trace information is readily available ) and not mine.
Complaint sub-issue: Received bad information about your loan

When consolidating my loans from a private provider, Fedloan rolled them over in parts, then charged me to consolidate, resulting in additional fees. Agents refuse to acknowledge or address this in any way. 

Formally, I was a government employed teacher that qualified for loan forgiveness. None of my qualifying payments were entered. I have since quit teaching as I no longer trust this program. 

In addition, I have asked repeatedly over the last couple months for information regarding the percentage of interest charged on loans and they refuse to provide this information. I was sent statements days after each time I reach out that include only an overview, but not the information I requested. 

The first and last issue I would like addressed ASAP so I am not over charged as I pay off these loans.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/21 a hard inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX from XXXX XXXX XXXX pulled my report for a mortgage application however in less then 30 days they pulled my report again on XX/XX/21 for the same company. This resulted in 2 hard inquires on my Equifax, XXXX, and XXXX  reports. I have tried to resolve this issue by calling XXXX XXXX however the two inquires are still showing on all three of my reports. The second time my credit was pulled was less then 30days and without my approval. This has effected my credit score.
Complaint sub-issue: Billing problem

As you can see from attachment monthly statement, I am {$23.00} ahead in my payments with the next monthly installment due XX/XX/21 in the amount of {$420.00}. Now, as of XX/XX/21, my account says that I am {$95.00} past due and new total of {$320.00} is due on XX/XX/21. How can a past due amount reduce an amount that isnt due yet. This is outright FRAUD!
Complaint sub-issue: Debt was result of identity theft

This company has been attempting to charge and collect amount from me by assigning this account to a different persona. I have made my part by reaching out to them and to the 3 major Bureaus. But to my surprise, I have not received any response from both parties. Thus, their act of negligence is highly not acceptable. I have made my research about this matter and by then the Bureaus have violated the Credit Reporting Act, 15 USC sections 1681i within the time set forth by law.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX # XXXX, XXXXXXXX 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 XXXXXXXX and 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 a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX, I submitted a request to block the account on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXXXXXX .... Balance : {$0.00}
Complaint sub-issue: Account status incorrect

XXXX paid off my XXXX XXXX XXXX. 
XXXX XXXX XXXX still shows open account in Equifax XXXX Disputed with Equifax. Equifax rejected my dispute said it was accurate. 
XXXX disputed with Equifax XXXX Sent Equifax copy of XXXX XXXX records showing account paid off, sent copy of letter from XXXX XXXX saying all is clear, sent copy of County Recorder record showing documents recorded. 
XXXX Equifax closed dispute. No change on my credit report. Unable to open XXXX  with explanation of dispute resolution. The Equifax XXXX  won't open because apparently it is corrupted with virus. I have made several calls to Equifax during this time but phone people are very nice but very limited. 
XXXX XXXX XXXX months after payoff ; account still shows open, can't read the dispute resolution because it won't open I ask if they could put up a new explanation free of virus and they said they can't, can't accomplish anything on the phone, can't make another dispute because their process has me blocked from making another dispute. This is not hurting my credit because i have an XXXX but it certainly exposes the frailties of their system. I know in a large operation you can't be perfect, but the true up process needs to work. All I want it to make my account accurate.
Complaint sub-issue: Public record information inaccurate

On XX/XX/XXXX, I contacted Checkr to file a dispute in regard to two cases listed as Evictions. I previously had a report ran by a different agency and had the XXXX case removed following my dispute and providing information I have that proves there is no public record being reported. I spoke with a clerk who confirmed they are no longer public record and I have to dispute them to get them removed. 
Checkr says it's valid and the information is correct based of public record and refuse to remove it. I have sent a 609 letter that they ignored all together. I have asked them to provide proof that the information is valid and they have failed to do so only stating its from public record. Again, based on public record there are no judgements or evictions listed for my name or previous addresses. On their report it clearly states Eviction record. I paid for the credit report via XXXX and was only able to use it for twice before the dispute. It has been over a month and I was not able to apply for houses. Nor was the information corrected. This incorrect information is hurting my chances of moving. I am attaching my proof that the Information is not public record and that it can't be verified as well as the results from the other companies investigation.
Complaint sub-issue: Account status incorrect

THERE ARE ACCOUNTS ON MY REPORT THAT ARE CLOSED WHICH SHOULD NOT BE ON MY REPORT AS WELL AS ACCOUNTS THAT HAVE INACCURATE DATA PER BUREAU. i HAVE SENT ACTION LETTERS DEMANDING REMOVAL AND I HAVE BEEN TOLD NOTHING HAS BEEN RECIEVED AND NOTHING CAN BE DONE. PER THE LAW VIA 15 USC 1692 AS WELL AS 15 U.S. Code 1681b - Permissible purposes of consumer reports THEY NEED TO BE REMOVED ME BEING THE CONSUMER. 15 USC 1602i. tHESE ARE ALLEGED DEBTS. I AM UPSET TO SAY THE LEASE THIS INFORMATION HAS BEEN Inaccurate and has caused major loss within my life as well as i have been harassed by these companies at terrible hours of the night and early morning. only i can validate any debt and none of these are validated. these charge offs and collections are unlawful per 15 usc laws 15 usc 1681a2-b what congress says should never be on a consumers credit report.
Complaint sub-issue: Frequent or repeated calls

I have received an automated phone call from XXXX. The automated message identifies themselves as Lendgreen. This company has been leaving automated messages for every day for more than a year, sometimes several times a day.
Complaint sub-issue: Problem with fees

I have requested now 3 times with Citibank to change my billing due date to the beginning of the month. I was told it takes 2 to 3 billing cycles to take effect. I made my payments well before the cited due date on each bill around the 5th of every month. After a few months and no due date change I contacted Citibank a second time and was told there was no note on my account that I had requested it. So they again told me the same thing that it would take 2 to 3 billing cycles to take effect and cancelled only one of the late fees they charged me, this was in XX/XX/XXXX. I called again today XX/XX/XXXX. Again was told the same thing there was no notation on my account for such a request and I had been charged a late fee ranging from {$27.00} to {$38.00} every month since XXXX ( that was as far back as they could see due to archiving ). When I spoke to a manager ( XXXX ) she was said there was not a note at first, then somehow found a note on my account from my call in XXXX. She stated the note indicated that I requested a due date change but they were unable to do it due to terms being changed at that time. I was NOT told this by the person I spoke to in XXXX. I have been charged a late fee every month for the last year because they failed to comply with my request to change my due date and failed to notify me that they were unable to do it. I have made a payment every month some doubled up because of the bills I received with different amounts due. I was again told that she could not change the due date for my account. I find this incredibly hard to believe that in this day of technology they can't change a simple due date for an account. She also stated she was not authorized to waive more than one late fee per year. This seems like a simple request that has been ignored now three times, and a failure to properly note my account when I call their customer service center. In the interest of complete transparency there are XXXXwo instances where I made two payments in one month ( on separate dates ) to try and follow their sloppy billing notices so I understand the late fees there although it still was NOT my fault they failed to change the due  date/billing cycle. I was told I can call back in XXXX to request it again. It's simply ridiculous.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I 've had several issues with my Credit card issued from  Citibank,  account number ending in  XXXX . In the past  two  months, I 've made a total less of  XXXX  transactions, and  XXXX  of those I had to initiate a chargeback due to the merchant not complying with a refund and cancellation request.      Citi  makes it hard to follow up on news from a chargeback.   I follow up with citi providing documentation about my dispute and send mail vi a usps   first class  .     Citi st ates they did not receive my chargeback dispute information.   Customer service is not useful and repeats that I need to follow procedure I already did.      XXXX  transactions that I disputed, and the chargeback was not in my favor were :  XXXX / XXXX / 2017  {$100.00}  XXXX   XXXX   XXXX   XXXX    XXXX   This  XXXX  I disputed because the website did not properly complete its workflow. I attempted to purchase this ticket several times and it resulted in my getting an error page on  XXXX   XXXX . I contacted  XXXX  by phone and they stated that no charge occurred, and at the time no charge was listed on citi. I also contacted citi support via chat and they said the same thing. I attempted to purchase this ticket with several credit cards from  XXXX  and  XXXX   XXXX , and they all resulted in the same error page on the website and on those different banks did not put a charge on the credit card. I initiated a dispute, and  Citi defaulted to that the merchant responded and closed.  I did not use the flight, I did not check into the flight and I was not aware the flight had book. Ultimately I purchased a flight on a competing airline that did not give me an error when I attempted to purchase a ticket.      XXXX / XXXX  /2017  {$79.00}  XXXX    XXXX    XXXX  CA This  XXXX , cancelled via the merchant 's website, which forced me to contact their support, and they gave me the complete pitch which after refusing several times, they said they would cancel my demo membership and not charge my account.   I have email documentation saying I need to contact their support, but no  further documentation that account was cancelled. Citi sent paperwork, I replied with a printed form of the email I received from the merchant stating I needed to call them, I gave a statement I signed to citi explaining the situation and citi states they never received it and reversed the credit.      I am a responsible credit card user, I currently have no debt on these cards with   Citi, and my experience dealing with Citi makes me consider my relationship with them and the possibility of cancelling my credit cards with them. I do n't need citi, and the more I reach out for help, the more I 'm frustrated.
I plan on following up both these cases with Citi, but, I should not have to go through a game of following up online chat, phone call and replying by postal mail that now I feel has to include tracking to make sure it was received.
I 'm writing this to document my poor experience with Citi.
Complaint sub-issue: Problem with statement of dispute

eqifax optain information from XXXX of tax lien, i ask for a removal of that account, account is satify with o balance they refused to removed count do not report to credit burea
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX ( Original Creditor XXXX XXXX XXXX  XXXX  ) XXXX, and XXXX XXXX XXXX XXXX have 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 an account without my written instructions.
Complaint sub-issue: Account information incorrect

state laws changed in XX/XX/2017 regarding child support reporting and I have requested to have information removed from all three credit bureaus child support is not a contractual debt, no services or products were given and amounts are not determined as such and should be removed from credit files. All 3 bureaus refuse to remove account ; they are using a computer system to verify debt which is invalid I have receive documents from Dept of Human Services and Courts stating that they do not report public records to credit bureaus so if the information isn't getting verified from the source who or how is it getting verified. Along with Illinios DCFS these account are invalid for same reason I do not have contract and these items do not belong to me : XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX
Complaint sub-issue: Personal information incorrect

Macy 's has reported an hard inquiry that was not authorized in XXXX 2020 that has my SSI number incorrect.